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FinVolution Group (FINV) investor relations material
FinVolution Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Nov, 2025
Executive summary
Q3 2025 revenue grew 6.4% year-over-year to RMB 3,487 million, with net profit up 2.7% to RMB 641 million.
International business contributed 25% of total revenue, up from 19% a year earlier, with international revenues surging 37.4% year-over-year.
User base expanded with 1.8 million new borrowers and 5 million unique borrowers, up 67% and 47% year-over-year, respectively.
Management highlighted resilience amid regulatory changes in China and strong international momentum.
Proactive risk management and technology investments, including AI-driven enhancements, supported operational resilience.
Financial highlights
Net revenue reached RMB 3,487 million, up 6.4% year-over-year; net profit was RMB 641 million, up 2.7% year-over-year.
Outstanding loan balance grew to RMB 77.1 billion, up 13% year-over-year.
Cash and short-term investments stood at RMB 7 billion; leverage ratio at a historical low of 2.4x.
Non-GAAP net margin remained strong at 19.5% in Q3 2025.
Provision coverage ratio maintained at 517%.
Outlook and guidance
Full-year 2025 total revenue guidance set at RMB 13.1–13.7 billion, representing 0–5% year-over-year growth.
Anticipates short-term uncertainties in Q4 due to full implementation of new China consumer finance regulations.
International expansion expected to continue driving growth, with international markets outpacing China in both transaction volume and loan balance growth.
Market size in Indonesia and the Philippines projected to grow at 28% and 31% CAGR through 2030, respectively.
China market: Explain shift from risk-bearing loans
International growth drivers and future outlook
Explain diluted EPS decline despite profit growth
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Next FinVolution Group earnings date
Q4 202516 Mar, 2026
Next FinVolution Group earnings date
Q4 202516 Mar, 2026
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Frequently asked questions
FinVolution Group is a China-based financial technology company that operates an online consumer finance platform. The company connects underserved borrowers with institutional funding partners through AI-driven risk assessment and credit management systems. Its platform supports loan origination, servicing, and collections. FinVolution Group is headquartered in Shanghai, China, and its shares are listed on the NYSE.
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