FinVolution Group Earnings Call Transcripts
Fiscal Year 2026
-
First quarter saw 6% sequential revenue growth and 1% net profit increase, with overseas business now 30% of group revenue and strong AI-driven efficiency gains. New segment reporting, expanded buybacks, and robust risk management position the group for continued growth.
Fiscal Year 2025
-
Full-year revenue grew 3.8% to RMB 13.6 billion and net profit rose 6.6% to RMB 2.5 billion, driven by strong international expansion and resilient performance amid regulatory headwinds in China. International revenue now accounts for 31% of quarterly revenue.
-
Q3 2025 saw 6.4% revenue growth and 2.7% net profit increase, driven by strong international expansion, while new China regulations raised credit risk and short-term uncertainty. Share buybacks and dividends continued, with robust cash reserves and a resilient risk posture.
-
Q2 2025 saw 13% revenue and 36% net income growth year-over-year, with international business contributing 22% of revenue and strong borrower growth. Regulatory changes in China are being managed, while international expansion is accelerating, supported by a $150M convertible bond.
-
Q1 2025 saw 10% revenue growth and record net profit, driven by strong international expansion and improved take rates in China. International business contributed over 20% of revenue, with robust borrower growth and continued operational excellence.
Fiscal Year 2024
-
2024 saw record transaction volumes, revenue growth, and expanding international operations, with strong profitability and robust capital returns to shareholders. AI innovation and regulatory progress supported operational efficiency and risk management.
-
Q3 2024 saw solid revenue and net income growth, with international markets now contributing 20% of revenue. Transaction volumes and borrower numbers rose across China, Indonesia, and the Philippines, supported by tech innovation and strong partnerships.
-
Prudent growth in China and rapid international expansion drove Q2 revenue up 3% YoY and net income up 4% QoQ. Asset quality improved, funding costs declined, and international operations—especially in Indonesia and the Philippines—showed strong momentum.