PPDAI`s Cost of Provisions (As % Of Loans) reached 18.6 % in 2018. This is 188 % more than in the previous year.
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| Company | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| 360 Finance Inc | % | ... | ... | ... | ... | ... | ... | ... | 1,169 | ||
| Home Credit China | % | 7.50 | 9.38 | 14.3 | 9.60 | 8.39 | |||||
| Lexin FinTech | % | ... | ... | ... | ... | ... | ... | 2.12 | 4.40 | ||
| PPDAI Group | % | ... | ... | ... | ... | ... | ... | 5.12 | 17.3 |
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