NYSE$FINV
FinVolution Group · Q4 2025 earnings
Q4 2025 earnings · · After market close · Investor relations
Briefing
FinVolution Q4 2025: RMB3.0B revenue, RMB416M net profit; FY revenue up 3.8% to RMB13.6B
FinVolution Group reported Q4 2025 net revenue of RMB3,023.9 million (US$432.4 million), down from RMB3,456.7 million in Q4 2024, as tighter underwriting in China weighed on loan facilitation fees and guarantee income. Net profit was RMB415.5 million compared with RMB680.8 million in the prior-year quarter. International revenue grew 28.6% to RMB950.9 million, representing 31.4% of Q4 total revenue. For full year 2025, net revenue rose 3.8% to RMB13.6 billion and net profit increased 6.6% to RMB2.5 billion, with international transaction volume up 38.6% to RMB14.0 billion. The company increased its dividend to US$0.306 per ADS (+10.5% YoY) and repurchased US$107.2 million of shares in 2025.
- Q4 net revenue of RMB3,023.9M; net profit of RMB415.5M amid tighter China underwriting
- FY2025 net revenue of RMB13.6B (+3.8% YoY); net profit of RMB2.5B (+6.6% YoY)
- International Q4 revenue of RMB950.9M (+28.6% YoY), 31.4% of total; Indonesia and Philippines reached full-year profitability
- China Q4 transaction volume fell 28.3% to RMB38.7B; international volume up 41.4% to RMB4.1B
- Dividend increased 10.5% to US$0.306/ADS; US$107.2M in share repurchases during 2025
Headline financials
Revenue & EPS history
FinVolution · Revenue · Quarterly
¥3.02B
Revenue by segment
FinVolution · ¥3.21B total across 5 segments · Q1 2026
- Loan facilitation service fees¥1.18B—36.8%
- Guarantee income¥886M—27.6%
- Net interest income¥485M—15.1%
- Post-facilitation service fees¥348M—10.9%
- Other revenue¥310M—9.6%
Forward guidance
FinVolution expects full-year 2026 total revenue in the range of approximately RMB11.5 billion to RMB12.9 billion, representing a year-over-year decline of approximately 5% to 15%, reflecting near-term regulatory uncertainties in China.
Tailwinds
- International expansion accelerating with Australia entry via Fundo Loans acquisition
- Indonesia and Philippines reached full-year profitability
Headwinds
- Recent regulatory changes in China create near-term revenue uncertainty
- China transaction volume and unique borrowers declining significantly
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports · overlaid with Q4 2025
+3.6%
Avg return
Earnings day
+0.3%
Avg return
5 days after
-1.0%
Avg return
30 days after
61%
22 / 36 earnings
Positive
+70.0%
Q4 2020
Best reaction
-23.0%
Q3 2019
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | — | — | — | |
| Q4 2025 | +12.2% | -17.3% | -18.4% | |
| Q3 2025 | -14.0% | -5.4% | -6.5% | |
| Q2 2025 | +5.7% | +2.7% | -11.4% | |
| Q1 2025 | -0.1% | -0.2% | +7.2% | |
| Q4 2024 | +17.5% | +10.1% | -21.5% | |
| Q3 2024 | +4.9% | +4.0% | +14.6% | |
| Q2 2024 | -5.0% | -8.1% | -5.9% | |
| Q1 2024 | -2.1% | -6.6% | -9.1% | |
| Q4 2023 | -4.0% | -3.0% | -7.3% | |
| Q3 2023 | -3.6% | -9.1% | -6.9% | |
| Q2 2023 | +2.2% | +0.2% | -2.9% | |
| Q1 2023 | -3.9% | -3.2% | +11.5% | |
| Q4 2022 | -15.1% | -17.1% | -15.7% | |
| Q3 2022 | +9.4% | -2.7% | -0.2% | |
| Q2 2022 | +6.8% | +7.7% | +1.4% | |
| Q1 2022 | +7.4% | -4.8% | +12.8% | |
| Q4 2021 | +3.9% | +36.7% | +20.8% | |
| Q3 2021 | -6.9% | -7.7% | -22.1% | |
| Q2 2021 | +8.8% | +5.0% | +1.2% | |
| Q1 2021 | -4.2% | -3.2% | +21.9% | |
| Q4 2020 | +70.0% | +59.7% | +36.8% | |
| Q3 2020 | +0.5% | +0.5% | +10.8% | |
| Q2 2020 | -6.6% | -18.8% | -34.0% | |
| Q1 2020 | -0.7% | +1.4% | +17.6% | |
| Q4 2019 | +9.2% | +16.2% | +27.7% | |
| Q3 2019 | -23.0% | -25.1% | -18.5% | |
| Q2 2019 | +0.3% | -0.3% | -6.5% | |
| Q1 2019 | +4.4% | -12.7% | -26.8% | |
| Q4 2018 | -0.8% | -6.9% | +7.1% | |
| Q3 2018 | +13.8% | +14.7% | -30.9% | |
| Q2 2018 | +6.0% | +10.0% | +27.2% | |
| Q1 2018 | +21.4% | +8.1% | -9.7% | |
| Q4 2016 | +1.6% | -2.1% | +10.0% | |
| Q4 2015 | +1.6% | -2.1% | +10.0% | |
| Q4 2017 | +4.0% | -5.7% | -12.9% | |
| Q3 2017 | +7.9% | -3.2% | -6.7% | |
| Q2 2017 | — | — | — | |
| Q1 2017 | — | — | — | |
| Q3 2016 | — | — | — | |
| Q2 2016 | — | — | — | |
| Q1 2016 | — | — | — |
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