FinVolution Group (FINV)

FinVolution Group Reports First Quarter 2026 Unaudited Financial ResultsMay 25, 2026 6:00 PM
PR Newswire (US) SHANGHAI, May 25, 2026 /PRNewswire/ -- FinVolution Group ("FinVolution" or the "Company") (NYSE: FINV), a leading fintech platform across China and overseas markets, today announced its unaudited financial results for the first quarter ended March 31, 2026.
For the Three Months Ended/As ofYoYChange
March 31, 2025March 31, 2026Total Transaction Volume (RMB in billions)1 52.142.6-18.2 %- Chinese Mainland249.138.5-21.6 %- Overseas Markets3 3.04.136.7 %



Total Outstanding Loan Balance (RMB in billions)74.167.7-8.6 %- Chinese Mainland4 72.265.1-9.8 %- Overseas Markets5 1.92.636.8 %First Quarter 2026 HighlightsChinese Mainland MarketCumulative registered users reached 190.0 million as of March 31, 2026, an increase of 7.2% compared with March 31, 2025.Cumulative borrowers reached 29.6 million as of March 31, 2026, an increase of 8.4% compared with March 31, 2025.Number of unique borrowers6 for the first quarter of 2026 was 1.7 million, a decrease of 22.7% compared with the same period of 2025.Transaction volume2 was RMB38.5 billion for the first quarter of 2026, a decrease of 21.6% compared with the same period of 2025.Transaction volume facilitated for repeat individual borrowers7 for the first quarter of 2026 was RMB31.4 billion, a decrease of 26.3% compared with the same period of 2025.Outstanding loan balance4 was RMB65.1 billion as of March 31, 2026, a decrease of 9.8% compared with March 31, 2025.Average loan size was RMB12,098 for the first quarter of 2026, compared with RMB10,494 for the same period of 2025.Average loan tenure was 8.5 months for the first quarter of 2026, compared with 8.2 months for the same period of 2025.90 day+ delinquency ratio8 was 3.11% as of March 31, 2026.Net revenue9 was RMB2,216.1 million (US$321.3 million) for the first quarter of 2026, compared with RMB2,770.2 million for the same period of 2025.U.S. GAAP operating profit10 was RMB598.7 million (US$86.8 million) for the first quarter of 2026, compared with RMB913.1 million for the same period of 2025.Non-GAAP adjusted EBITDA11, which excludes depreciation and amortization and share-based compensation expenses from operating profit, was RMB614.9 million (US$89.1 million) for the first quarter of 2026, compared with RMB930.1 million for the same period of 2025.Overseas MarketsCumulative registered users reached 56.5 million as of March 31, 2026, an increase of 45.2% compared with March 31, 2025.Cumulative borrowers reached 13.4 million as of March 31, 2026, an increase of 76.3% compared with March 31, 2025.Number of unique borrowers12 for the first quarter of 2026 was 4.5 million, an increase of 155.4% compared with the same period of 2025.Number of new borrowers13 for the first quarter of 2026 was 1.7 million, an increase of 160.0% compared with the same period of 2025.Transaction volume3 reached RMB4.1 billion for the first quarter of 2026, an increase of 36.7% compared with the same period of 2025.Outstanding loan balance5 reached RMB2.6 billion as of March 31, 2026, an increase of 36.8% compared with March 31, 2025.Net revenue14 was RMB948.9 million (US$137.6 million) for the first quarter of 2026, an increase of 34.5% compared with the same period of 2025, representing 29.6% of total revenue for the first quarter of 2026.U.S. GAAP operating profit10 was RMB45.8 million (US$6.6 million) for the first quarter of 2026, compared with RMB24.4 million for the same period of 2025.Non-GAAP adjusted EBITDA11, which excludes depreciation and amortization and share-based compensation expenses from operating profit, was RMB47.5 million (US$6.9 million) for the first quarter of 2026, compared with RMB25.5 million for the same period of 2025.Group Financial HighlightsNet revenue was RMB3,210.1 million (US$465.4 million) for the first quarter of 2026, compared with RMB3,481.0 million for the same period of 2025.Net profit was RMB421.1 million (US$61.0 million) for the first quarter of 2026, compared with RMB737.6 million for the same period of 2025.U.S. GAAP operating profit was RMB546.8 million (US$79.3 million) for the first quarter of 2026, compared with RMB883.2 million for the same period of 2025.Non-GAAP adjusted operating profit15, which excludes share-based compensation expenses before tax, was RMB585.0 million (US$84.8 million) for the first quarter of 2026, compared with RMB917.9 million for the same period of 2025.Diluted net profit per American depositary share ("ADS") was RMB1.65 (US$0.24) and diluted net profit per share was RMB0.33 (US$0.05) for the first quarter of 2026, compared with RMB2.84 and RMB0.57 for the same period of 2025, respectively.Non-GAAP diluted net profit per ADS was RMB1.80 (US$0.26) and non-GAAP diluted net profit per share was RMB0.36 (US$0.05) for the first quarter of 2026, compared with RMB2.97 and RMB0.59 for the same period of 2025, respectively. Each ADS of the Company represents five Class A ordinary shares of the Company.________________________________________________________________1 Represents the total transaction volume facilitated in the Chinese Mainland and overseas markets on the Company's platform during the period presented.2 Represents our transaction volume facilitated in the Chinese Mainland during the period presented. During the first quarter, RMB15.5 billion was facilitated under the capital-light model, for which the Company does not bear principal risk.3 Represents our transaction volume facilitated in Indonesia, the Philippines and Australia during the period presented.4 Outstanding loan balance as of any date refers to the balance of outstanding loans in the Chinese Mainland market excluding loans delinquent for more than 180 days from such date. As of March 31, 2026, RMB35.0 billion was facilitated under the capital-light model, for which the Company does not bear principal risk.5 Outstanding loan balance as of any date refers to the balance of outstanding loans in Indonesia, the Philippines and Australia excluding loans delinquent for more than 30 days from such date. 6 Represents the total number of borrowers in the Chinese Mainland who successfully borrowed on the Company's platform during the period presented.7 Represents the transaction volume facilitated for borrowers who had historically completed a transaction on the Company's platform in the Chinese Mainland during the period presented.8 "90 day+ delinquency ratio" refers to the outstanding principal balance of loans, excluding loans facilitated under the capital-light model, that were 90 to 179 calendar days past due as a percentage of the total outstanding principal balance of loans, excluding loans facilitated under the capital-light model on the Company's platform as of a specific date. Loans that originated outside the Chinese Mainland are not included in the calculation.9 Represents revenue from the Chinese Mainland. Prior period segment results from the Chinese Mainland have been recast to conform to the current period presentation. Please refer to the "Selected Segment Information" tables at the end of this release for a breakdown by segment for the periods presented.10 Please refer to the "Selected Segment Information" tables at the end of this release for reconciliation between Operating Segment Profit/(Loss) and GAAP operating profit.11 Please refer to the "Selected Segment Information" tables at the end of this release for reconciliation between GAAP operating profit and Non-GAAP adjusted EBITDA.12 Represents the total number of borrowers in Indonesia, the Philippines and Australia who successfully borrowed on the Company's platforms during the period presented.13 Represents the total number of new borrowers in Indonesia, the Philippines and Australia whose transactions were facilitated on the Company's platforms during the period presented.14 Represents revenue from overseas markets outside the Chinese Mainland, namely Indonesia, the Philippines, and Australia. Prior period segment results from overseas markets have been recast to conform to the current period presentation. Please refer to "Selected Segment Information" for a breakdown by segment for the periods presented.15 Please refer to "UNAUDITED Reconciliation of GAAP and Non-GAAP Results" for reconciliation between GAAP and Non-GAAP adjusted operating profit.Mr. Tiezheng Li, Vice Chairman and Chief Executive Officer of FinVolution, commented, "In the first quarter, we delivered continued growth in our overseas business and a resilient performance in the Chinese Mainland segment against an evolving regulatory backdrop, demonstrating the strength of our two-engine model. Beginning this quarter, we are reporting our overseas business as a separate reportable segment, reflecting our strategic trajectory and the earnings power of our diversified business."In our Chinese Mainland segment, we executed with discipline, acquiring approximately 0.6 million new borrowers while prioritizing asset quality, customer quality and unit economics. The segment remained stable and profitable, reinforcing its role as the anchor of our operating cash flow."Our Overseas Markets segment delivered robust year-over-year revenue growth, contributing 29.6% of our total first quarter revenue. Our 'Local Excellence, Global Outlook+' strategy of transferring proven risk management and operational capabilities across regions drove strong year-over-year loan volume growth and more than doubled our unique overseas borrowers, underscoring our accelerating global traction."Looking ahead, we will continue to manage our China business prudently while expanding our overseas platform with deeper integration into the local ecosystems. Supported by strong technology advantages and a healthy balance sheet, we are well-positioned to continue creating durable value for customers and delivering sustainable financial returns for our stakeholders," concluded Mr. Li.Mr. Jiayuan Xu, Chief Financial Officer of FinVolution, continued, "Total net revenues for the first quarter were RMB3.2 billion, up 6.2% sequentially. Early signs of credit recovery in our Chinese Mainland business supported a recovery in loan origination volume to RMB38.5 billion, driving a 6.9% sequential increase in Chinese Mainland net revenue to RMB2.2 billion. In our overseas markets, revenue grew 34.5% year over year to RMB948.9 million, and operating profit reached RMB45.8 million, up 87.7% year over year, highlighting our overseas platform's scalability and growing operating leverage."Meanwhile, we continued to return capital to our shareholders, executing share repurchases totaling US$39.4 million in the first quarter alongside our 8th annual dividend of US$0.306 per ADS in May, a 10.5% increase year over year. We reiterate our full-year 2026 revenue guidance of approximately RMB11.5 billion to RMB12.9 billion, which reflects the expected near-term impact of China's regulatory environment. We remain confident in the resilience of our model and committed to long-term value creation," concluded Mr. Xu.First Quarter 2026 Financial ResultsNet revenue for the first quarter of 2026 was RMB3,210.1 million (US$465.4 million), compared with RMB3,481.0 million for the same period of 2025. This decrease was primarily due to decreases in loan facilitation service fees, post-facilitation service fees and guarantee income, partially offset by increases in net interest income and other revenue.Loan facilitation service fees were RMB1,181.3 million (US$171.3 million) for the first quarter of 2026, compared with RMB1,477.8 million for the same period of 2025. The decrease was primarily due to decreases in the transaction volume and average rate of transaction service fees in the Chinese Mainland market, partially offset by the increase in transaction volume in overseas markets.Post-facilitation service fees were RMB348.3 million (US$50.5 million) for the first quarter of 2026, compared with RMB380.6 million for the same period of 2025. This decrease was primarily due to the rolling impact of deferred transaction fees. Guarantee income was RMB886.1 million (US$128.5 million) for the first quarter of 2026, compared with RMB1,099.5 million for the same period of 2025. This decrease was primarily due to the decrease in risk-bearing loans in the Chinese Mainland market, as well as the rolling impact of deferred guarantee income. The fair value of quality assurance commitment upon loan origination is released as guarantee income systematically over the term of the loans subject to quality assurance commitment. Net interest income was RMB484.7 million (US$70.3 million) for the first quarter of 2026, compared with RMB241.6 million for the same period of 2025. This increase mainly resulted from the increase in the average outstanding loan balances of on-balance sheet loans in both the Chinese Mainland and overseas markets, partially offset by the decrease in interest yield in the Chinese Mainland market.Other revenue was RMB309.7 million (US$44.9 million) for the first quarter of 2026, compared with RMB281.5 million for the same period of 2025. This increase was primarily due to the increase in the contributions from other revenue streams, including other value-added services.Origination, servicing expenses and other costs of revenue were RMB745.2 million (US$108.0 million) for the first quarter of 2026, compared with RMB620.5 million for the same period of 2025. This increase was primarily driven by the increase in employee expenditures and higher loan collection expenses in both the Chinese Mainland and overseas markets.Sales and marketing expenses were RMB492.4 million (US$71.4 million) for the first quarter of 2026, compared with RMB529.7 million for the same period of 2025. This decrease was primarily due to improved efficiency and decreased investment in marketing activities in the Chinese Mainland market.Research and development expenses were RMB125.5 million (US$18.2 million) for the first quarter of 2026, compared with RMB126.0 million for the same period of 2025. This decrease was primarily due to efficiency improvements in technology development.General and administrative expenses were RMB113.8 million (US$16.5 million) for the first quarter of 2026, compared with RMB106.9 million for the same period of 2025, primarily due to an increase in office expenses.Provision for accounts receivable and contract assets was RMB111.5 million (US$16.2 million) for the first quarter of 2026, compared with RMB117.7 million for the same period of 2025. The decrease was primarily due to decreased transaction volume of off-balance sheet loans in the Chinese Mainland market, partially offset by the increase in volume of off-balance sheet loans in overseas markets. Provision for loans receivable was RMB218.1 million (US$31.6 million) for the first quarter of 2026, compared with RMB85.4 million for the same period of 2025. This increase was primarily due to the increase in the outstanding loan balance of on-balance sheet loans in the Chinese Mainland and overseas markets.Credit losses for quality assurance commitment were RMB856.6 million (US$124.2 million) for the first quarter of 2026, compared with RMB1,011.6 million for the same period of 2025. The decrease was primarily due to the decrease in risk-bearing loans in the Chinese Mainland market.Operating profit was RMB546.8 million (US$79.3 million) for the first quarter of 2026, compared with RMB883.2 million for the same period of 2025.Non-GAAP adjusted operating profit, which excludes share-based compensation expenses before tax, was RMB585.0 million (US$84.8 million) for the first quarter of 2026, compared with RMB917.9 million for the same period of 2025.Other income/(expenses) was an expense of RMB15.5 million (US$2.3 million) for the first quarter of 2026, compared with income of RMB9.0 million for the same period of 2025. The decrease was mainly due to foreign exchange losses.Income tax expense was RMB93.1 million (US$13.5 million) for the first quarter of 2026, compared with RMB153.9 million for the same period of 2025. This decrease was mainly due to the decrease in pre-tax profit.Net profit was RMB421.1 million (US$61.0 million) for the first quarter of 2026, compared with RMB737.6 million for the same period of 2025.Net profit attributable to ordinary shareholders of the Company was RMB415.1 million (US$60.2 million) for the first quarter of 2026, compared with RMB746.4 million for the same period of 2025.Diluted net profit per ADS was RMB1.65 (US$0.24) and diluted net profit per share was RMB0.33 (US$0.05) for the first quarter of 2026, compared with RMB2.84 and RMB0.57 for the same period of 2025, respectively.Non-GAAP diluted net profit per ADS was RMB1.80 (US$0.26) and non-GAAP diluted net profit per share was RMB0.36 (US$0.05) for the first quarter of 2026, compared with RMB2.97 and RMB0.59 for the same period of 2025, respectively. Each ADS represents five Class A ordinary shares of the Company.As of March 31, 2026, the Company had cash and cash equivalents of RMB4,687.8 million (US$679.6 million) and short-term investments, mainly in wealth management products and term deposits, of RMB2,643.8 million (US$383.3 million).The following chart shows the historical cumulative 30-day plus past due delinquency rates by loan origination vintage for loan products facilitated through the Company's platform in the Chinese Mainland as of March 31, 2026. Loans facilitated under the capital-light model, for which the Company does not bear principal risk, are excluded from the chart. Click here to view the chart.Shares Repurchase UpdateFor the first quarter of 2026, the Company deployed approximately US$39.4 million to repurchase its own Class A ordinary shares in the form of ADSs. As of March 31, 2026, in combination with the Company's historical and existing share repurchase programs, the Company had cumulatively repurchased its own Class A ordinary shares in the form of ADSs with a total aggregate value of approximately US$516.7 million since 2018.Business OutlookStrong execution of the Company's 'Local Excellence, Global Outlook+' Strategy drove a resilient first quarter performance despite domestic macro headwinds and seasonal softness. The Company reiterates its full-year 2026 total revenue guidance to be in the range of approximately RMB11.5 billion to RMB12.9 billion.The above forecast is based on the current market conditions and reflects the Company's current preliminary views and expectations on market and operational conditions and the regulatory and operating environment, as well as customers' and institutional partners' demands, all of which are subject to change.Conference CallThe Company's management will host an earnings conference call at 8:30 PM U.S. Eastern Time on May 25, 2026 (8:30 AM Beijing/Hong Kong Time on May 26, 2026).Participants should complete online registration using the link provided below at least 15 minutes before the scheduled start time. Upon registration, participants will receive the conference call access information, including dial-in numbers, a personal PIN and an e-mail with detailed instructions to join the conference call.Participant Online Registration:
https://register-conf.media-server.com/register/BIf9feb90f9176441083910b143e67c48dAdditionally, a live and archived webcast of the conference call will be available on the Company's investor relations website at https://ir.finvgroup.com.About FinVolution Group FinVolution Group is a leading fintech platform with strong brand recognition across China and overseas markets, connecting borrowers of the young generation with financial institutions. Established in 2007, the Company is a pioneer in China's online consumer finance industry and has developed innovative technologies and has accumulated in-depth experience in the core areas of credit risk assessment, fraud detection, big data and artificial intelligence. The Company's platforms, empowered by proprietary cutting-edge technologies, features a highly automated loan transaction process, which enables a superior user experience. As of March 31, 2026, the Company had 246.5 million cumulative registered users across China and overseas markets.For more information, please visit https://ir.finvgroup.comUse of Non-GAAP Financial MeasuresWe use non-GAAP adjusted operating profit, non-GAAP operating margin, non-GAAP adjusted EBITDA, non-GAAP net profit, non-GAAP net profit attributable to FinVolution Group, and non-GAAP basic and diluted net profit per share and per ADS which are non-GAAP financial measures, in evaluating our operating results and for financial and operational decision-making purposes. We believe that these non-GAAP financial measures help identify underlying trends in our business by excluding the impact of share-based compensation expenses and expected discretionary measures. We believe that non-GAAP financial measures provide useful information about our operating results, enhance the overall understanding of our past performance and future prospects and allow for greater visibility with respect to key metrics used by our management in its financial and operational decision-making.Non-GAAP adjusted operating profit, non-GAAP operating margin, non-GAAP adjusted EBITDA, non-GAAP net profit, non-GAAP net profit attributable to FinVolution Group, and non-GAAP basic and diluted net profit per share and per ADS are not defined under U.S. GAAP and are not presented in accordance with U.S. GAAP. These non-GAAP financial measures have limitations as analytical tool, and when assessing our operating performance, cash flows or our liquidity, investors should not consider it in isolation, or as a substitute for net income, cash flows provided by operating activities or other consolidated statements of operation and cash flow data prepared in accordance with U.S. GAAP. The Company encourages investors and others to review our financial information in its entirety and not rely on a single financial measure.For more information on this non-GAAP financial measure, please see the table captioned "Reconciliations of GAAP and Non-GAAP results" set forth at the end of this press release.Exchange Rate InformationThis announcement contains translations of certain RMB amounts into U.S. dollars at a specified rate solely for the convenience of the reader. Unless otherwise noted, all translations from RMB to U.S. dollars are made at a rate of RMB6.8980 to US$1.00, the rate in effect as of March 31, 2026 as certified for customs purposes by the Federal Reserve Bank of New York.Safe Harbor StatementThis press release contains forward-looking statements. These statements constitute "forward-looking" statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident" and similar statements. Such statements are based upon management's current expectations and current market and operating conditions and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond the Company's control. Forward-looking statements involve risks, uncertainties and other factors that could cause actual results to differ materially from those contained in any such statements. Potential risks and uncertainties include, but are not limited to, uncertainties as to the Company's ability to attract and retain borrowers and investors on its marketplace, its ability to increase volume of loans facilitated through the Company's marketplace, its ability to introduce new loan products and platform enhancements, its ability to compete effectively, laws, regulations and governmental policies relating to the online consumer finance industry in China, general economic conditions in China, and the Company's ability to meet the standards necessary to maintain listing of its ADSs on the NYSE, including its ability to cure any non-compliance with the NYSE's continued listing criteria. Further information regarding these and other risks, uncertainties or factors is included in the Company's filings with the U.S. Securities and Exchange Commission. All information provided in this press release is as of the date of this press release, and FinVolution does not undertake any obligation to update any forward-looking statement as a result of new information, future events or otherwise, except as required under applicable law.For investor and media inquiries, please contact: In China:
FinVolution Group
Head of Capital Markets
Yam Cheng
Tel: +86 (21) 8030-3200 Ext. 8601
E-mail: ir@xinye.com Piacente Financial Communications
Jenny Cai
Tel: +86 (10) 6508-0677
E-mail: finv@tpg-ir.com   In the United States:
Piacente Financial Communications
Brandi Piacente
Tel: +1-212-481-2050
E-mail: finv@tpg-ir.comFinVolution GroupUNAUDITED INTERIM CONDENSED CONSOLIDATED BALANCE SHEETS(All amounts in thousands, except share data, or otherwise noted)

As of December 31,
As of March 31,
2025
2026
RMB
RMBUSDAssets



Cash and cash equivalents4,285,121
4,687,773679,584Restricted cash1,912,850
1,862,880270,061Short-term investments3,015,226
2,643,817383,273Investments1,141,816
1,142,087165,568Quality assurance receivable, net of credit loss allowance for
  quality assurance receivable of RMB581,475 and RMB616,214
  as of December 31, 2025 and March 31, 2026, respectively   1,315,184
 1,376,678 199,576Intangible assets270,246
270,24639,177Property, equipment and software, net641,316
625,45690,672Loans receivable, net of credit loss allowance for loans receivable
  of RMB544,905 and RMB572,937 as of December 31, 2025 and
  March 31, 2026, respectively6,471,619
 6,963,186 1,009,450Accounts receivable and contract assets, net of credit loss
  allowance for accounts receivable and contract assets of
  RMB340,816 and RMB349,157 as of December 31, 2025 and
  March 31, 2026, respectively  2,028,585
1,599,215231,838Deferred tax assets2,992,071
3,219,281466,698Right of use assets52,020
50,3407,298Prepaid expenses and other assets1,207,791
1,168,487169,395Goodwill79,759
79,75911,563Total assets25,413,604
25,689,2053,724,153Deferred guarantee income1,119,004
1,130,264163,854Liability from quality assurance commitment2,574,842
2,374,176344,183Payroll and welfare payable361,188
186,74227,072Taxes payable177,064
428,80862,164Short-term borrowings 170,408
192,10127,849Funds payable to investors of consolidated trusts778,531
974,768141,312Contract liability226
--Deferred tax liabilities786,556
787,615114,180Accrued expenses and other liabilities1,448,231
1,380,470200,126Leasing liabilities44,711
44,7606,489Dividends payable-
506,70873,457Convertible senior notes1,019,266
1,005,162145,718Long-term borrowings89,590
132,11819,153Total liabilities8,569,617
9,143,6921,325,557Commitments and contingencies



FinVolution Group Shareholders' equity



Ordinary shares103
10315Additional paid-in capital5,908,586
5,942,443861,473Treasury stock(2,465,259)
(2,736,995)(396,781)Statutory reserves1,042,312
1,042,312151,104Accumulated other comprehensive income13,027
38,0835,521Retained Earnings12,051,332
11,959,6861,733,790Total FinVolution Group shareholders' equity16,550,101
16,245,6322,355,122Non-controlling interest293,886
299,88143,474Total shareholders' equity16,843,987
16,545,5132,398,596Total liabilities and shareholders' equity25,413,604
25,689,2053,724,153  FinVolution GroupUNAUDITED INTERIM CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME(All amounts in thousands, except share data, or otherwise noted)

For the Three Months Ended March 31,
2025
2026
RMB
RMBUSD




Operating revenue:



Loan facilitation service fees1,477,798
1,181,314171,255Post-facilitation service fees380,614
348,34350,499Guarantee income1,099,514
886,069128,453        Net interest income241,614
484,68170,264Other revenue281,501
309,65544,890Net revenue3,481,041
3,210,062465,361Operating expenses:



       Origination, servicing expenses and other costs of revenue(620,465)
(745,172)(108,027)Sales and marketing expenses(529,703)
(492,447)(71,390)Research and development expenses(126,041)
(125,459)(18,188)General and administrative expenses(106,894)
(113,843)(16,504)Provision for accounts receivable and contract assets(117,718)
(111,514)(16,166)Provision for loans receivable (85,414)
(218,148)(31,625)Credit losses for quality assurance commitment(1,011,615)
(856,637)(124,186)Total operating expenses(2,597,850)
(2,663,220)(386,086)Operating profit883,191
546,84279,275Interest expenses(652)
(17,147)(2,486)Other income/(expenses), net 9,033
(15,521)(2,250)Profit before income tax expense891,572
514,17474,539Income tax expenses(153,931)
(93,117)(13,499)Net profit 737,641
421,05761,040Less: Net (loss)/profit attributable to non-controlling interest shareholders(8,765)
5,995869Net profit attributable to FinVolution Group746,406
415,06260,171Foreign currency translation adjustment, net of nil tax (16,273)
25,0563,632Total comprehensive income attributable to FinVolution Group 730,133
440,11863,803Weighted average number of ordinary shares used in computing net profit per share



Basic1,265,759,932
1,194,294,9861,194,294,986Diluted1,315,948,116
1,283,838,3011,283,838,301Net profit per share attributable to FinVolution Group's ordinary shareholders



Basic0.59
0.350.05Diluted0.57
0.330.05Net profit per ADS attributable to FinVolution Group's ordinary shareholders (one ADS equals five ordinary shares)



Basic2.95
1.740.25Diluted2.84
1.650.24  FinVolution GroupUNAUDITED INTERIM CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS(All amounts in thousands, except share data, or otherwise noted)

Three Months Ended March 31,
2025
2026
RMB
RMB
USDNet cash provided by operating activities 522,335
225,990
32,760Net cash provided by investing activities365,196
146,022
21,168Net cash (used in)/provided by financing activities(198,331)
9,418
1,366Effect of exchange rate changes on cash and cash equivalents(11,265)
(28,748)
(4,166)Net increase in cash, cash equivalents and restricted cash677,935
352,682
51,128Cash, cash equivalents and restricted cash at beginning of period6,747,072
6,197,971
898,517Cash, cash equivalents and restricted cash at end of period7,425,007
6,550,653
949,645  FinVolution GroupUNAUDITED Reconciliation of GAAP and Non-GAAP Results(All amounts in thousands, except share data, or otherwise noted)

For the Three Months Ended March 31,
2025
2026
RMB
RMBUSD




Net Revenue3,481,041
3,210,062465,361Less: total operating expenses(2,597,850)
(2,663,220)(386,086)Operating Profit883,191
546,84279,275Add: share-based compensation expenses34,679
38,1735,534Non-GAAP adjusted operating profit917,870
585,01584,809




Operating Margin25.4 %
17.0 %17.0 %Non-GAAP operating margin26.4 %
18.2 %18.2 %Non-GAAP adjusted operating profit917,870
585,01584,809Less: interest expenses(652)
(17,147)(2,486)Add: other income/(expenses), net9,033
(15,521)(2,250)Less: income tax expenses(153,931)
(93,117)(13,499)Non-GAAP net profit772,320
459,23066,574Less: Net (loss)/profit attributable to non-controlling interest shareholders(8,765)
5,995869Non-GAAP net profit attributable to FinVolution Group781,085
453,23565,705




Weighted average number of ordinary shares used in computing net profit per share



Basic1,265,759,932
1,194,294,9861,194,294,986Diluted1,315,948,116
1,283,838,3011,283,838,301Non-GAAP net profit per share attributable to FinVolution Group's ordinary shareholders



Basic0.62
0.380.06Diluted0.59
0.360.05Non-GAAP net profit per ADS attributable to FinVolution Group's ordinary shareholders (one ADS equals
five ordinary shares)



Basic3.09
1.900.28Diluted2.97
1.800.26  FinVolution GroupSelected Segment Information (All amounts in thousands, except share data, or otherwise noted)
For the Three Months Ended March 31, 2026





Chinese Mainland Overseas Markets(1)Others(2)EliminationTotal
RMBRMBRMBRMBRMBNet Revenue2,216,096948,94650,148(5,128)3,210,062Less(3): Operating Expenses (4)(1,617,349)(903,196)(88,761)5,128(2,604,178)Operating Segment Profit/(Loss)598,74745,750(38,613)-605,884Less: Unallocated expenses(5)



(59,042)Operating profit



546,842

For the Three Months Ended March 31, 2025





Chinese Mainland Overseas Markets(1)Others(2)EliminationTotal
RMBRMBRMBRMBRMBNet Revenue2,770,160705,3438,250(2,712)3,481,041Less(3): Operating Expenses (4)(1,857,018)(680,964)(27,901)2,712(2,563,171)Operating Segment Profit/(Loss)913,14224,379(19,651)-917,870Less: Unallocated expenses(5)



(34,679)Operating profit



883,191
Notes:(1): "Overseas Markets" includes Indonesia, the Philippines and Australia.(2): "Others" includes a combination of multiple business activities that each does not meet the quantitative thresholds to qualify as reportable segments.(3): The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM.(4): "Operating Expenses" includes Origination, servicing expenses and other costs of revenue, Sales and marketing expenses, General and
administrative expenses, Research and development expenses, Credit losses for quality assurance commitment, Provision for loans receivable and Provision
for accounts receivable and contract assets.(5): Unallocated expenses are mainly related to share-based compensation, impairment of goodwill of prior acquisitions, and other miscellaneous items that
are not allocated to segments. These expenses are excluded from segment results as they are not reviewed by the CODM as part of segment performance.  FinVolution GroupSelected Segment Information(All amounts in thousands, except share data, or otherwise noted)
For the Three Months Ended March 31, 2026





Chinese Mainland Overseas MarketsOthersUnallocated expensesTotal
RMBRMBRMBRMBRMBOperating profit598,74745,750(38,613)(59,042)546,842Add: Depreciation and amortization16,1801,785116-18,081Add: Share-based compensation expenses---38,17338,173Non-GAAP Adjusted EBITDA614,92747,535(38,497)(20,869)603,096

For the Three Months Ended March 31, 2025





Chinese Mainland Overseas MarketsOthersUnallocated expensesTotal
RMBRMBRMBRMBRMBOperating profit913,14224,379(19,651)(34,679)883,191Add: Depreciation and amortization16,9191,10411-18,034Add: Share-based compensation expenses---34,67934,679Non-GAAP Adjusted EBITDA930,06125,483(19,640)-935,904
Note:"Non-GAAP Adjusted EBITDA" represents operating profit (loss) plus (a) depreciation and amortization expenses and (b) share-based compensation expenses.  View original content:https://www.prnewswire.com/news-releases/finvolution-group-reports-first-quarter-2026-unaudited-financial-results-302781329.htmlSOURCE FinVolution Group Original: FinVolution Group Reports First Quarter 2026 Unaudited Financial Results

FinVolution Group Announces New Share Repurchase Program of Up to US$150 millionMay 25, 2026 6:05 PM
PR Newswire (US) SHANGHAI, May 25, 2026 /PRNewswire/ -- FinVolution Group ("FinVolution," or the "Company") (NYSE: FINV), a leading fintech platform across China and overseas markets, today announced that the board of directors of the Company (the "Board") has authorized a new share repurchase program (the "New Share Repurchase Program") effective on May 30, 2026. Pursuant to the New Share Repurchase Program, the Company may repurchase up to US$150.0 million worth of its shares (including ADSs) during the period from May 30, 2026 to May 29, 2028.Mr. Tiezheng Li, Vice Chairman and Chief Executive Officer of FinVolution Group, said, "Shareholder return remains a cornerstone of our capital allocation strategy. Since the initial launch of our first share repurchase program on March 21, 2018, through March 31, 2026, we have cumulatively deployed approximately US$516.7 million to repurchase the Company's ADSs. The New Share Repurchase Program is also our fifth share repurchase program, reflecting our continued commitment to shareholder value creation. Supported by a healthy balance sheet and strong confidence in our 'Local Excellence, Global Outlook+' strategy, we continue to believe in the underlying value of the investment in our own equity."Mr. Shaofeng Gu, Chairman of FinVolution Group, added, "The Board's approval of this new program reflects our conviction in the Company's growth trajectory and disciplined approach to capital allocation. As our international platform continues to gain traction across multiple geographies and our domestic operations deliver stable profitability, we believe share buybacks represent a compelling use of capital. We are confident in our ability to deliver sustainable long-term returns to our stakeholders."The Company's proposed repurchases may be made from time to time on the open market at prevailing market prices, in privately negotiated transactions, in block trades and/or through other legally permissible means, depending on market conditions and in accordance with applicable rules and regulations. The Board will review the share repurchase program periodically, and may authorize adjustment of its terms and size.About FinVolution Group FinVolution Group is a leading fintech platform with strong brand recognition across China and overseas markets, connecting borrowers of the young generation with financial institutions. Established in 2007, the Company is a pioneer in China's online consumer finance industry and has developed innovative technologies and has accumulated in-depth experience in the core areas of credit risk assessment, fraud detection, big data and artificial intelligence. The Company's platforms, empowered by proprietary cutting-edge technologies, features a highly automated loan transaction process, which enables a superior user experience. As of March 31, 2026, the Company had 246.5 million cumulative registered users across China and overseas markets.For more information, please visit https://ir.finvgroup.comSafe Harbor StatementThis press release contains forward-looking statements. These statements constitute "forward-looking" statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident" and similar statements. Such statements are based upon management's current expectations and current market and operating conditions and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond the Company's control. Forward-looking statements involve risks, uncertainties and other factors that could cause actual results to differ materially from those contained in any such statements. Potential risks and uncertainties include, but are not limited to, uncertainties as to the Company's ability to attract and retain borrowers and investors on its marketplace, its ability to increase volume of loans facilitated through the Company's marketplace, its ability to introduce new loan products and platform enhancements, its ability to compete effectively, laws, regulations and governmental policies relating to the online consumer finance industry in China, general economic conditions in China, and the Company's ability to meet the standards necessary to maintain listing of its ADSs on the NYSE, including its ability to cure any non-compliance with the NYSE's continued listing criteria. Further information regarding these and other risks, uncertainties or factors is included in the Company's filings with the U.S. Securities and Exchange Commission. All information provided in this press release is as of the date of this press release, and FinVolution does not undertake any obligation to update any forward-looking statement as a result of new information, future events or otherwise, except as required under applicable law.For investor and media inquiries, please contact: In China:
FinVolution Group
Head of Capital Markets
Yam Cheng
Tel: +86 (21) 8030 3200 Ext. 8601
E-mail: ir@xinye.com Piacente Financial Communications
Jenny Cai
Tel: +86 (10) 6508-0677
E-mail: finv@tpg-ir.com In the United States:
Piacente Financial Communications
Brandi Piacente
Tel: +1-212-481-2050
E-mail: finv@tpg-ir.com View original content:https://www.prnewswire.com/news-releases/finvolution-group-announces-new-share-repurchase-program-of-up-to-us150-million-302781331.htmlSOURCE FinVolution Group Original: FinVolution Group Announces New Share Repurchase Program of Up to US$150 million

FinVolution Group to Report First Quarter 2026 Financial Results on Monday, May 25, 2026May 19, 2026 5:00 AM
PR Newswire (US) -Earnings Call Scheduled for 8:30 p.m. ET on May 25, 2026-SHANGHAI, May 19, 2026 /PRNewswire/ -- FinVolution Group ("FinVolution", or the "Company") (NYSE: FINV), a leading fintech platform across China and international markets, today announced that it will report its first quarter 2026 unaudited financial results, on Monday, May 25, 2026.The Company's management will host an earnings conference call at 8:30 PM U.S. Eastern Time on May 25, 2026 (8:30 AM Beijing/Hong Kong Time on May 26, 2026).Participants should complete online registration using the link provided below at least 15 minutes before the scheduled start time. Upon registration, participants will receive the conference call access information, including dial-in numbers, a personal PIN and an e-mail with detailed instructions to join the conference call.Participant Online Registration:
https://register-conf.media-server.com/register/BIf9feb90f9176441083910b143e67c48dAdditionally, a live and archived webcast of the conference call will be available on the Company's investor relations website at https://ir.finvgroup.com.About FinVolution GroupFinVolution Group is a leading fintech platform with strong brand recognition across China and international markets, connecting borrowers of the young generation with financial institutions. Established in 2007, the Company is a pioneer in China's online consumer finance industry and has developed innovative technologies and has accumulated in-depth experience in the core areas of credit risk assessment, fraud detection, big data and artificial intelligence. The Company's platforms, empowered by proprietary cutting-edge technologies, features a highly automated loan transaction process, which enables a superior user experience. As of December 31, 2025, the Company had 239.6 million cumulative registered users across China and international markets.For more information, please visit https://ir.finvgroup.com.For investor and media inquiries, please contact:In China:
FinVolution Group
Head of Capital Markets
Yam Cheng
Tel: +86 (21) 8030-3200 Ext. 8601
E-mail: ir@xinye.comPiacente Financial Communications
Jenny Cai
Tel: +86 (10) 6508-0677
E-mail: finv@tpg-ir.com  In the United States:
Piacente Financial Communications
Brandi Piacente
Tel: +1-212-481-2050
E-mail: finv@tpg-ir.com View original content:https://www.prnewswire.com/news-releases/finvolution-group-to-report-first-quarter-2026-financial-results-on-monday-may-25-2026-302775791.htmlSOURCE FinVolution Group Original: FinVolution Group to Report First Quarter 2026 Financial Results on Monday, May 25, 2026

82% 90% upside $FINV

Bought Chinese company $FINV 5.11. 890 shares. I think its way I undervalued has a dividend company believes in stock. Holding for profit way undervalued.

$FINV: Approaching $2 yards in Annual Revs.....

Just found out on the show INDUSTRY that one yard is a BIllion DOLLARS.

Go figure

https://en.finvgroup.com/


In financial slang, a yard represents one billion (\(1,000,000,000\)) units of a currency. It is primarily used by traders in foreign exchange (Forex) and bond markets to clearly denote a billion without confusion with "million" or "trillion" in high-pressure, verbal communication.Key Aspects of "A Yard":Numerical Value: \(1,000,000,000\) (one followed by nine zeros), which is a billion.Usage: It refers to one billion units of a currency. For example, a "yard of U.S. dollars" is US\(\$1\) billion, while a "yard of yen" is \(1\) billion Japanese yen.Origin: The term is derived from "milliard," a European word used to describe a thousand million (one billion).Purpose: It ensures accuracy, as "billion" can be easily misheard, leading to significant trading mistakes.While the term is used to describe large transactions by banks and financial institutions, its usage has slightly declined due to the rise of electronic, non-verbal trading.


GO $FINV

FinVolution Group Files 2025 Annual Report on Form 20-FApril 29, 2026 4:30 PM
PR Newswire (US)

SHANGHAI, April 29, 2026 /PRNewswire/ -- FinVolution Group ("FinVolution," or the "Company") (NYSE: FINV), a leading fintech platform across China and international markets, today announced that it has filed its annual report on Form 20-F for the fiscal year ended December 31, 2025 with the Securities and Exchange Commission (the "SEC") on April 29, 2026.The annual report on Form 20-F can be accessed on the SEC's website at http://www.sec.gov and on the Company's investor relations website at http://ir.finvgroup.com. The Company will also provide a hard copy of the annual report containing its audited consolidated financial statements, free of charge, to its shareholders and ADS holders upon request.About FinVolution Group FinVolution Group is a leading fintech platform with strong brand recognition across China and international markets, connecting borrowers of the young generation with financial institutions. Established in 2007, the Company is a pioneer in China's online consumer finance industry and has developed innovative technologies and has accumulated in-depth experience in the core areas of credit risk assessment, fraud detection, big data and artificial intelligence. The Company's platforms, empowered by proprietary cutting-edge technologies, features a highly automated loan transaction process, which enables a superior user experience. As of December 31, 2025, the Company had 239.6 million cumulative registered users across China and international markets.For more information, please visit: http://ir.finvgroup.com.For investor and media inquiries, please contact: In China:
FinVolution Group
Head of Capital Markets
Yam Cheng
Tel: +86 (21) 8030-3200 Ext. 8601
E-mail: ir@xinye.com Piacente Financial Communications
Jenny Cai
Tel: +86 (10) 6508-0677
E-mail: finv@tpg-ir.com In the United States:
Piacente Financial Communications
Brandi Piacente
Tel: +1-212-481-2050
E-mail: finv@tpg-ir.com



View original content:https://www.prnewswire.com/news-releases/finvolution-group-files-2025-annual-report-on-form-20-f-302757915.htmlSOURCE FinVolution Group

Original: FinVolution Group Files 2025 Annual Report on Form 20-F

I got a tripple bagger like $RBBN stock is $FINV should not be 4 dollar stock. Fair Value upside 80%. Reported earnings a month ago spiked great and sold off. Must be manipulation. Great earnings making millions quarterly. Going to buy Monday morning.

FinVolution Group Reports Fourth Quarter and Fiscal Year 2025 Unaudited Financial ResultsMarch 16, 2026 6:00 PM
PR Newswire (US)

-Full Year 2025 Revenue reached RMB13.6 billion, up 3.8% year-over-year--Full Year 2025 International Transaction Volume reached RMB14.0 billion, up 38.6% year-over-year-- Full Year International Revenues reached RMB3.3 billion, up 32.0% year-over-year and representing 24.6% of total net revenues-SHANGHAI, March 16, 2026 /PRNewswire/ -- FinVolution Group ("FinVolution" or the "Company") (NYSE: FINV), a leading fintech platform across China and international markets, today announced its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2025.

For the Three Months
Ended/As ofYoY ChangeFor the Full
Year Ended /
As of December
31, YoYChange
December 31, 
2024December
31, 202520242025
Total Transaction Volume (RMB in
billions)1           56.942.8-24.8 %206.2200.3-2.9 %Transaction Volume (China's Mainland)254.038.7-28.3 %196.1186.3-5.0 %Transaction Volume (International)3 2.94.141.4 %10.114.038.6 %Total Outstanding Loan Balance (RMB in
billions)71.570.9-0.8 %71.570.9-0.8 %Outstanding Loan Balance (China's Mainland)4   69.868.3-2.1 %69.868.3-2.1 %Outstanding Loan Balance (International)5 1.72.652.9 %1.72.652.9 %Fourth Quarter 2025 China Market Operational HighlightsCumulative registered users6 reached 187.4 million as of December 31, 2025, an increase of 8.6% compared with December 31, 2024.Cumulative borrowers7 reached 29.0 million as of December 31, 2025, an increase of 8.2% compared with December 31, 2024.Number of unique borrowers8 for the fourth quarter of 2025 was 1.5 million, a decrease of 28.6% compared with the same period of 2024.Transaction volume2 was RMB38.7 billion for the fourth quarter of 2025, a decrease of 28.3% compared with the same period of 2024.Transaction volume facilitated for repeat individual borrowers9 for the fourth quarter of 2025 was RMB30.8 billion, a decrease of 34.0% compared with the same period of 2024.Outstanding loan balance4 was RMB68.3 billion as of December 31, 2025, a decrease of 2.1% compared with December 31, 2024.Average loan size10 was RMB12,877 for the fourth quarter of 2025, compared with RMB11,466 for the same period of 2024.Average loan tenure11 was 8.2 months for the fourth quarter of 2025, compared with 8.0 months for the same period of 2024.90 day+ delinquency ratio12 was 2.85% as of December 31, 2025.Fourth Quarter 2025 International Market Operational HighlightsCumulative registered users13 reached 52.1 million as of December 31, 2025, an increase of 45.9% compared with December 31, 2024.Cumulative borrowers14 for the international markets reached 11.7 million as of December 31, 2025, an increase of 67.1% compared with December 31, 2024.Number of unique borrowers15 for the fourth quarter of 2025 was 3.8 million, an increase of 133.8% compared with the same period of 2024.Number of new borrowers16 for the fourth quarter of 2025 was 1.6 million, an increase of 117.3% compared with the same period of 2024.Transaction volume3 reached RMB4.1 billion for the fourth quarter of 2025, an increase of 41.4% compared with the same period of 2024.Outstanding loan balance5 reached RMB2.6 billion as of December 31, 2025, an increase of 52.9% compared with December 31, 2024.International business revenue was RMB950.9 million (US$136.0 million) for the fourth quarter of 2025, an increase of 28.6% compared with the same period of 2024, representing 31.4% of total revenue for the fourth quarter of 2025.Fourth Quarter 2025 Financial HighlightsNet revenue was RMB3,023.9 million (US$432.4 million) for the fourth quarter of 2025, compared with RMB3,456.7 million for the same period of 2024.Net profit was RMB415.5 million (US$59.4 million) for the fourth quarter of 2025, compared with RMB680.8 million for the same period of 2024.Non-GAAP adjusted operating income,17 which excludes share-based compensation expenses before tax, was RMB519.8 million (US$74.3 million) for the fourth quarter of 2025, compared with RMB822.0 million for the same period of 2024.Diluted net profit per American depositary share ("ADS") was RMB1.63 (US$0.23) and diluted net profit per share was RMB0.33 (US$0.05) for the fourth quarter of 2025, compared with RMB2.61 and RMB0.52 for the same period of 2024, respectively.Non-GAAP diluted net profit per ADS was RMB1.77 (US$0.25) and non-GAAP diluted net profit per share was RMB0.35 (US$0.05) for the fourth quarter of 2025, compared with RMB2.74 and RMB0.55 for the same period of 2024, respectively. Each ADS of the Company represents five Class A ordinary shares of the Company.________________________________________________________________1 Represents the total transaction volume facilitated in China's Mainland and the international markets on the Company's platforms during the period presented.2 Represents our transaction volume facilitated in China's Mainland during the period presented. During the fourth quarter, RMB19.0 billion was facilitated under the capital-light model, for which the Company does not bear principal risk.3 Represents our transaction volume facilitated in markets outside China's Mainland during the period presented. These operating data include those of Fundo Loans Pty Ltd, an Australian company acquired in October 2025, for the period after its acquisition.4 Outstanding loan balance (China's Mainland) as of any date refers to the balance of outstanding loans in China's Mainland market excluding loans delinquent for more than 180 days from such date. As of December 31, 2025, RMB37.8 billion was facilitated under the capital-light model, for which the Company does not bear principal risk.5 Outstanding loan balance (international) as of any date refers to the balance of outstanding loans in the international markets excluding loans delinquent for more than 30 days from such date. These operating data include those of Fundo Loans Pty Ltd, an Australian company acquired in October 2025, as of December 31, 2025, covering both pre- and post-acquisition periods.6 On a cumulative basis, the total number of users in China's Mainland market registered on the Company's platform as of December 31, 2025.7 On a cumulative basis, the total number of borrowers in China's Mainland market registered on the Company's platform as of December 31, 2025.8 Represents the total number of borrowers in China's Mainland who successfully borrowed on the Company's platform during the period presented.9 Represents the transaction volume facilitated for repeat borrowers in China's Mainland who successfully completed a transaction on the Company's platform during the period presented.10 Represents the average loan size on the Company's platform in China's Mainland during the period presented.11 Represents the average loan tenor on the Company's platform in China's Mainland during the period presented.12 "90 day+ delinquency ratio" refers to the outstanding principal balance of loans, excluding loans facilitated under the capital-light model, that were 90 to 179 calendar days past due as a percentage of the total outstanding principal balance of loans, excluding loans facilitated under the capital-light model on the Company's platform as of a specific date. Loans that originated outside China's Mainland are not included in the calculation.13 On a cumulative basis, the total number of users registered on the Company's platforms outside China's Mainland market, as of December 31, 2025. These operating data include those of Fundo Loans Pty Ltd, an Australian company acquired in October 2025, as of December 31, 2025, covering both pre- and post-acquisition periods.14 On a cumulative basis, the total number of borrowers on the Company's platforms outside China's Mainland market, as of December 31, 2025. These operating data include those of Fundo Loans Pty Ltd, an Australian company acquired in October 2025, as of December 31, 2025, covering both pre- and post-acquisition periods.15 Represents the total number of borrowers outside China's Mainland who successfully borrowed on the Company platforms during the period presented. These operating data include those of Fundo Loans Pty Ltd, an Australian company acquired in October 2025, for the period after its acquisition.16 Represents the total number of new borrowers outside China's Mainland whose transactions were facilitated on the Company's platforms during the period presented. These operating data include those of Fundo Loans Pty Ltd, an Australian company acquired in October 2025, for the period after its acquisition.17 Please refer to "UNAUDITED Reconciliation of GAAP and Non-GAAP Results" for reconciliation between GAAP and Non-GAAP adjusted operating income.Mr. Tiezheng Li, Vice Chairman and Chief Executive Officer of FinVolution, commented, "In 2025, we proudly celebrated FinVolution's 18th anniversary, marking a milestone in our evolution from a passionate Chinese fintech pioneer to a regional platform expanding responsible credit access across Asia and beyond. Despite a challenging macro and regulatory environment in China, we delivered resilient full-year results, with Group revenue of RMB13.6 billion, up 3.8% year over year, and net profit rising 6.6% to RMB2.5 billion. Our effective 'Local Excellence, Global Outlook' strategy drove international revenue to a record 31.4% contribution in the fourth quarter, highlighted by full-year profitability in Indonesia and the Philippines."We also made a strategic entry into our first developed market, Australia, employing the regulatory maturity and consumer-first mindset we have developed in China alongside our successful experience scaling in Southeast Asia. Going forward, our resilient risk management, ongoing AI innovation investments, and responsible growth will ensure prudent management of our China business while continue to accelerate sustainable international expansion. As we build on our international momentum, we remain committed to delivering growth and enduring value for our users, partners, and shareholders through disciplined execution," concluded Mr. Li.Mr. Jiayuan Xu, Chief Financial Officer of FinVolution, continued, "In the fourth quarter, we navigated a complex environment, prioritizing portfolio quality in China while sustaining strong growth internationally. Group net revenue was RMB3.0 billion and net income was RMB415.5 million, reflecting the near-term impact of tighter underwriting in China, offset by a 28.6% year-over-year increase in international revenues. We also recorded robust international transaction volume growth of 41.4% year over year to RMB4.1 billion and unique borrowers up 133.8% to 3.8 million, underscoring the resilience of our diversified model and our ability to adapt quickly in a dynamic landscape."Meanwhile, we continued to deliver meaningful shareholder returns, executing US$107.2 million in full-year buybacks, including a record US$40.7 million in the fourth quarter, and increasing our dividend per ADS by 10.5% to US$0.306, totaling approximately US$74.5 million for 2025. Our Chairman and senior management team recently invested an additional US$1.9 million of their own capital, reflecting strong internal confidence in our valuation and long-term prospects. We will continue to advance our strategy with a clear emphasis on execution quality and portfolio resilience, balancing growth and risk management to drive sustainable returns and value creation," concluded Mr. Xu.Fourth Quarter 2025 Financial ResultsNet revenue for the fourth quarter of 2025 was RMB3,023.9 million (US$432.4 million), compared with RMB3,456.7 million for the same period of 2024. This decrease was primarily due to decreases in loan facilitation service fees, post-facilitation service fees and guarantee income, partially offset by increases in net interest income and other revenue.Loan facilitation service fees were RMB848.9 million (US$121.4 million) for the fourth quarter of 2025, compared with RMB1,344.8 million for the same period of 2024. The decrease was primarily due to decreases in the transaction volume and average rate of transaction service fees in the China market, partially offset by the increase in transaction volume in international markets.Post-facilitation service fees were RMB392.8 million (US$56.2 million) for the fourth quarter of 2025, compared with RMB460.5 million for the same period of 2024. This decrease was primarily due to the rolling impact of deferred transaction fees. Guarantee income was RMB948.5 million (US$135.6 million) for the fourth quarter of 2025, compared with RMB1,205.5 million for the same period of 2024. This decrease was primarily due to the decrease in risk-bearing loans in the China market, as well as the rolling impact of deferred guarantee income. The fair value of quality assurance commitment upon loan origination is released as guarantee income systematically over the term of the loans subject to quality assurance commitment. Net interest income was RMB471.9 million (US$67.5 million) for the fourth quarter of 2025, compared with RMB217.9 million for the same period of 2024. This increase mainly resulted from the increase in the average outstanding loan balances of on-balance sheet loans in both China and the international markets, partially offset by the decrease in interest yield in the China market.Other revenue was RMB361.8 million (US$51.7 million) for the fourth quarter of 2025, compared with RMB228.0 million for the same period of 2024. This increase was primarily due to the increase in the contributions from other revenue streams including other value-added services.Origination, servicing expenses and other costs of revenue were RMB847.3 million (US$121.2 million) for the fourth quarter of 2025, compared with RMB664.0 million for the same period of 2024. This increase was primarily driven by the increase in employee expenditures and higher loan collection expenses in both China and the international markets.Sales and marketing expenses were RMB512.4 million (US$73.3 million) for the fourth quarter of 2025, compared with RMB531.5 million for the same period of 2024. This decrease was primarily due to improved efficiency and decreased investment in marketing activities in China.Research and development expenses were RMB142.6 million (US$20.4 million) for the fourth quarter of 2025, compared with RMB126.3 million for the same period of 2024. This increase was primarily due to increased investments in technology development.        General and administrative expenses were RMB124.5 million (US$17.8 million) for the fourth quarter of 2025, compared with RMB112.6 million for the same period of 2024, primarily due to higher professional service fees in the international market.Provision for accounts receivable and contract assets was RMB106.4 million (US$15.2 million) for the fourth quarter of 2025, compared with RMB95.1 million for the same period of 2024. The increase was primarily due to increased transaction volume of off-balance sheet loans in the international market, partially offset by decrease in volume of off-balance sheet loans in the China market. Provision for loans receivable was RMB261.7 million (US$37.4 million) for the fourth quarter of 2025, compared with RMB64.3 million for the same period of 2024. This increase was primarily due to the increase in the outstanding loan balance of on-balance sheet loans in both China and the international markets.Credit losses for quality assurance commitment were RMB546.4 million (US$78.1 million) for the fourth quarter of 2025, compared with RMB1,075.0 million for the same period of 2024. The decrease was primarily due to the decrease in risk-bearing loans in the China market.Operating profit was RMB482.7 million (US$69.0 million) for the fourth quarter of 2025, compared with RMB787.9 million for the same period of 2024.Non-GAAP adjusted operating income, which excludes share-based compensation expenses before tax, was RMB519.8 million (US$74.3 million) for the fourth quarter of 2025, compared with RMB822.0 million for the same period of 2024.Other income was RMB20.8 million (US$3.0 million) for the fourth quarter of 2025, compared with RMB25.9 million for the same period of 2024. The decrease was mainly due to lower gains from a reduction in investment products.Income tax expense was RMB87.9 million (US$12.6 million) for the fourth quarter of 2025, compared with RMB133.1 million for the same period of 2024. This decrease was mainly due to the decrease in pre-tax profit.Net profit was RMB415.5 million (US$59.4 million) for the fourth quarter of 2025, compared with RMB680.8 million for the same period of 2024.Net profit attributable to ordinary shareholders of the Company was RMB424.7 million (US$60.7 million) for the fourth quarter of 2025, compared with RMB680.7 million for the same period of 2024.Diluted net profit per ADS was RMB1.63 (US$0.23) and diluted net profit per share was RMB0.33 (US$0.05) for the fourth quarter of 2025, compared with RMB2.61 and RMB0.52 for the same period of 2024, respectively.Non-GAAP diluted net profit per ADS was RMB1.77 (US$0.25) and non-GAAP diluted net profit per share was RMB0.35 (US$0.05) for the fourth quarter of 2025, compared with RMB2.74 and RMB0.55 for the same period of 2024, respectively. Each ADS represents five Class A ordinary shares of the Company.As of December 31, 2025, the Company had cash and cash equivalents of RMB 4,285.1 million (US$612.8 million) and short-term investments, mainly in wealth management products and term deposits, of RMB3,015.2 million (US$431.2 million).The following chart shows the historical cumulative 30-day plus past due delinquency rates by loan origination vintage for loan products facilitated through the Company's platform in China's Mainland as of December 31, 2025. Loans facilitated under the capital-light model, for which the Company does not bear principal risk, are excluded from the chart.Click here to view the chart.Fiscal Year 2025 Financial ResultsNet revenue for 2025 was RMB13,569.5 million (US$ 1,940.4 million), compared with RMB13,065.8 million in 2024. This increase was primarily due to increases in loan facilitation service fees, net interest income and other revenue, partially offset by decreases in guarantee income and post-facilitation service fees.Loan facilitation service fees were RMB5,176.5 million (US$740.2 million) for 2025, compared with RMB4,694.4 million in 2024. The increase was primarily due to increases in transaction volume and average rate of transaction service fees in the international markets, partially offset by the decreases in transaction volume and average rate of transaction service fees in the China market.Post-facilitation service fees were RMB1,629.8 million (US$233.1 million) for 2025, compared with RMB1,740.2 million in 2024. This decrease was primarily due to the rolling impact of deferred transaction fees. Guarantee income was RMB4,124.9 million (US$589.9 million) for 2025, compared with RMB5,085.3 million in 2024. This decrease was primarily due to the decrease in risk-bearing loans in the China market, partially offset by an increase in such loans in international markets, as well as the rolling impact of deferred guarantee income. The fair value of quality assurance commitment upon loan origination is released as guarantee income systematically over the term of the loans subject to quality assurance commitment. Net interest income was RMB1,336.5 million (US$191.1 million) for 2025, compared with RMB853.8 million in 2024. This increase mainly resulted from the increase in the average outstanding loan balances of on-balance sheet loans in both China and the international markets.Other revenue was RMB1,301.9 million (US$186.2 million) for 2025, compared with RMB692.1 million in 2024. This increase was primarily due to the increase in the contributions from other revenue streams including other value-added services.Origination, servicing expenses and other costs of revenue were RMB2,900.1 million (US$414.7 million) for 2025, compared with RMB2,381.8 million in 2024. This increase was primarily driven by higher facilitation costs in both China and international markets.Sales and marketing expenses were RMB2,200.5 million (US$314.7 million) for 2025, compared with RMB2,014.3 million in 2024 as a result of our more proactive customer acquisition efforts focusing on quality borrowers in both China and the international markets.Research and development expenses were RMB536.6 million (US$76.7 million) for 2025, compared with RMB496.7 million in 2024. This increase was primarily due to increased investments in technology development.General and administrative expenses were RMB442.1 million (US$63.2 million) for 2025, compared with RMB413.5 million in 2024, primarily due to increases in rents and renovation expenses, professional service fees and miscellaneous administrative expenses.Provision for accounts receivable and contract assets was RMB426.0 million (US$60.9 million) for 2025, compared with RMB317.0 million in 2024. The increase was primarily due to increased transaction volume of off-balance sheet loans in the international market. Provision for loans receivable was RMB637.7 million (US$91.2 million) for 2025, compared with RMB320.0 million in 2024. This increase was primarily due to the increase in the outstanding loan balance of on-balance sheet loans in both China and the international markets.Credit losses for quality assurance commitment were RMB3,462.4 million (US$495.1 million) for 2025, compared with RMB4,587.3 million in 2024. The decrease was primarily due to the decrease in risk-bearing loans in the China market, partially offset by the increase in risk-bearing loans in the international markets.Impairment of goodwill and intangible assets was RMB50.7 million (US$7.2 million) for 2025, compared with nil for the same period of 2024. The increase was primarily due to an impairment of goodwill related to a certain micro-lending company acquired by the Group in 2017, following a performance review during the year.Operating profit was RMB2,913.3 million (US$416.6 million) for 2025, compared with RMB2,535.1 million in 2024.Non-GAAP adjusted operating income, which excludes share-based compensation expenses before tax, was RMB3,062.3 million (US$437.9 million) for 2025, compared with RMB2,679.2 million in 2024.Other income was RMB188.1 million (US$26.9 million) for 2025, compared with RMB310.1 million in 2024. The decrease was mainly due to lower gains from a reduction in investment products, reduced income from investments, and the reduction in government subsidies.Income tax expense was RMB556.2 million (US$79.5 million) for 2025, compared with RMB457.4 million in 2024. This increase was mainly due to the increase in pre-tax profit and the increase in effective tax rate.Net profit was RMB2,545.2 million (US$364.0 million) for 2025, compared with RMB2,387.8 million in 2024.Net profit attributable to ordinary shareholders of the Company was RMB2,542.4 million (US$363.6 million) for 2025, compared with RMB2,383.1 million in 2024.Shares Repurchase Update and Management PurchaseFor the full year of 2025, the Company deployed approximately US$107.2 million to repurchase its own Class A ordinary shares in the form of ADSs. These repurchases included US$60.7 million worth of ADSs that were repurchased concurrently with the offering of convertible senior notes in June. As of December 31, 2025, in combination with the Company's historical and existing share repurchase programs, the Company had cumulatively repurchased its own Class A ordinary shares in the form of ADSs with a total aggregate value of approximately US$477.3 million since 2018.In December 2025, Chairman of the Board Mr. Shaofeng Gu and other senior management of the Company, purchased in their personal capacity approximately 0.37 million of the Company's ADS, with a total aggregate value of approximately US$1.9 million, independently of the Company's share repurchase programs. The share purchases by senior management reflect strong conviction in the Company's resilient business model, solid fundamentals, and accelerating international expansion. We believe these strengths, supported by the current valuation, position the Company well to execute its "Local Excellence, Global Outlook" strategy and deliver sustainable value to all stakeholders.Business OutlookThrough prudent navigation of a complex environment, the Company delivered solid results in 2025. As a result of the near-term uncertainties introduced by recent regulatory changes in China, the Company expects its full-year 2026 total revenue guidance to be in the range of approximately RMB11.5 billion to RMB12.9 billion, representing a year-over-year decline of approximately 5% to 15%.The above forecast is based on the current market conditions and reflects the Company's current preliminary views and expectations on market and operational conditions and the regulatory and operating environment, as well as customers' and institutional partners' demands, all of which are subject to change.Conference CallThe Company's management will host an earnings conference call at 8:30 PM U.S. Eastern Time on March 16, 2026 (8:30 AM Beijing/Hong Kong Time on March 17, 2026).Dial-in details for the earnings conference call are as follows:United States (toll free):+1-888-346-8982Canada (toll free):+1-855-669-9657International:+1-412-902-4272Hong Kong, China (toll free):800-905-945Mainland, China:400-120-1203Participants should dial in at least five minutes before the scheduled start time and ask to be connected to the call for "FinVolution Group".Additionally, a live and archived webcast of the conference call will be available on the Company's investor relations website at https://ir.finvgroup.com.A replay of the conference call will be accessible approximately one hour after the conclusion of the live call until March 23, 2026, by dialing the following telephone numbers:United States / Canada (toll free):                 +1-855-669-9658International:+1-412-317-0088Replay Access Code:9046716About FinVolution Group FinVolution Group is a leading fintech platform with strong brand recognition across China and international markets, connecting borrowers of the young generation with financial institutions. Established in 2007, the Company is a pioneer in China's online consumer finance industry and has developed innovative technologies and has accumulated in-depth experience in the core areas of credit risk assessment, fraud detection, big data and artificial intelligence. The Company's platforms, empowered by proprietary cutting-edge technologies, features a highly automated loan transaction process, which enables a superior user experience. As of December 31, 2025, the Company had 239.6 million cumulative registered users across China and international markets.For more information, please visit https://ir.finvgroup.comUse of Non-GAAP Financial MeasuresWe use non-GAAP adjusted operating income, non-GAAP operating margin, non-GAAP net profit, non-GAAP net profit attributable to FinVolution Group, and non-GAAP basic and diluted net profit per share and per ADS which are non-GAAP financial measures, in evaluating our operating results and for financial and operational decision-making purposes. We believe that these non-GAAP financial measures help identify underlying trends in our business by excluding the impact of share-based compensation expenses and expected discretionary measures. We believe that non-GAAP financial measures provide useful information about our operating results, enhance the overall understanding of our past performance and future prospects and allow for greater visibility with respect to key metrics used by our management in its financial and operational decision-making.Non-GAAP adjusted operating income, non-GAAP operating margin, non-GAAP net profit, non-GAAP net profit attributable to FinVolution Group, and non-GAAP basic and diluted net profit per share and per ADS are not defined under U.S. GAAP and are not presented in accordance with U.S. GAAP. These non-GAAP financial measures have limitations as analytical tool, and when assessing our operating performance, cash flows or our liquidity, investors should not consider it in isolation, or as a substitute for net income, cash flows provided by operating activities or other consolidated statements of operation and cash flow data prepared in accordance with U.S. GAAP. The Company encourages investors and others to review our financial information in its entirety and not rely on a single financial measure.For more information on this non-GAAP financial measure, please see the table captioned "Reconciliations of GAAP and Non-GAAP results" set forth at the end of this press release.Exchange Rate InformationThis announcement contains translations of certain RMB amounts into U.S. dollars at a specified rate solely for the convenience of the reader. Unless otherwise noted, all translations from RMB to U.S. dollars are made at a rate of RMB6.9931 to US$1.00, the rate in effect as of December 31, 2025 as certified for customs purposes by the Federal Reserve Bank of New York.Safe Harbor StatementThis press release contains forward-looking statements. These statements constitute "forward-looking" statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident" and similar statements. Such statements are based upon management's current expectations and current market and operating conditions and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond the Company's control. Forward-looking statements involve risks, uncertainties and other factors that could cause actual results to differ materially from those contained in any such statements. Potential risks and uncertainties include, but are not limited to, uncertainties as to the Company's ability to attract and retain borrowers and investors on its marketplace, its ability to increase volume of loans facilitated through the Company's marketplace, its ability to introduce new loan products and platform enhancements, its ability to compete effectively, laws, regulations and governmental policies relating to the online consumer finance industry in China, general economic conditions in China, and the Company's ability to meet the standards necessary to maintain listing of its ADSs on the NYSE, including its ability to cure any non-compliance with the NYSE's continued listing criteria. Further information regarding these and other risks, uncertainties or factors is included in the Company's filings with the U.S. Securities and Exchange Commission. All information provided in this press release is as of the date of this press release, and FinVolution does not undertake any obligation to update any forward-looking statement as a result of new information, future events or otherwise, except as required under applicable law.For investor and media inquiries, please contact: In China:
FinVolution Group
Head of Capital Markets
Yam Cheng
Tel: +86 (21) 8030-3200 Ext. 8601
E-mail: ir@xinye.com Piacente Financial Communications
Jenny Cai
Tel: +86 (10) 6508-0677
E-mail: finv@tpg-ir.com   In the United States:
Piacente Financial Communications
Brandi Piacente
Tel: +1-212-481-2050
E-mail: finv@tpg-ir.com  FinVolution GroupUNAUDITED INTERIM CONDENSED CONSOLIDATED BALANCE SHEETS (All amounts in thousands, except share data, or otherwise noted)

As of December 31,As of December 31,
20242025
RMBRMBUSDAssets


Cash and cash equivalents4,672,7724,285,121612,764Restricted cash2,074,3001,912,850273,534Short-term investments2,832,3823,015,226431,172Investments1,173,0031,141,816163,278Quality assurance receivable, net of credit loss allowance for
quality assurance receivable of RMB426,949 and RMB
581,475 as of December 31, 2024 and December 31, 2025,
respectively1,639,5911,315,184188,069Intangible assets137,298270,24638,645Property, equipment and software, net623,792641,31691,707Loans receivable, net of credit loss allowance for loans
receivable of RMB226,467 and RMB 544,905 as of
December 31, 2024 and December 31, 2025,
respectively4,157,6216,471,619925,429Accounts receivable and contract assets, net of credit loss
allowance for accounts receivable and contract assets of
RMB290,267 and RMB 340,816 as of December 31, 2024
and December 31, 2025, respectively2,405,8802,028,585290,084Deferred tax assets2,513,8652,992,071427,860Right of use assets36,82652,0207,439Prepaid expenses and other assets1,289,3801,207,791172,712Goodwill50,41179,75911,405Total assets23,607,12125,413,6043,634,098Liabilities and Shareholders' Equity
Deferred guarantee income1,515,9501,119,004160,015Liability from quality assurance commitment2,964,1162,574,842368,198Payroll and welfare payable290,389361,18851,649Taxes payable705,928177,06425,320Short-term borrowings 5,594170,40824,368Funds payable to investors of consolidated trusts796,122778,531111,328Contract liability10,18522632Deferred tax liabilities491,213786,556112,476Accrued expenses and other liabilities1,245,1841,448,231207,094Leasing liabilities28,76544,7116,394Convertible senior notes-1,019,266145,753Long-term borrowings-89,59012,811Total liabilities8,053,4468,569,6171,225,438Commitments and contingencies


FinVolution Group Shareholders' equity


Ordinary shares10310315Additional paid-in capital5,815,4375,908,586844,917Treasury stock(1,765,542)(2,465,259)(352,527)Statutory reserves852,7231,042,312149,049Accumulated other comprehensive income92,62613,0271,863Retained Earnings10,208,71712,051,3321,723,318Total FinVolution Group shareholders' equity15,204,06416,550,1012,366,635Non-controlling interest349,611293,88642,025Total shareholders' equity15,553,67516,843,9872,408,660Total liabilities and shareholders' equity23,607,12125,413,6043,634,098  FinVolution GroupUNAUDITED INTERIM CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (All amounts in thousands, except share data, or otherwise noted)

For the Three Months Ended December 31,For the Year Ended December 31,
2024202520242025
RMBRMBUSDRMBRMBUSDOperating revenue:





Loan facilitation service fees1,344,799848,943121,3974,694,3805,176,457740,224Post-facilitation service fees460,465392,75656,1631,740,2411,629,777233,055Guarantee income1,205,502948,461135,6285,085,2964,124,934589,858        Net interest income217,927471,92267,484853,7791,336,459191,111Other Revenue227,999361,80251,737692,1281,301,856186,163Net revenue3,456,6923,023,884432,40913,065,82413,569,4831,940,411Operating expenses:





       Origination, servicing expenses and other cost of
revenue(663,982)(847,318)(121,165)(2,381,839)(2,900,149)(414,716)Sales and marketing expenses(531,530)(512,448)(73,279)(2,014,254)(2,200,543)(314,673)Research and development expenses(126,257)(142,573)(20,388)(496,740)(536,617)(76,735)General and administrative expenses(112,570)(124,454)(17,797)(413,548)(442,148)(63,226)Provision for accounts receivable and contract
assets(95,132)(106,405)(15,216)(317,049)(425,966)(60,912)Provision for loans receivable (64,346)(261,657)(37,416)(320,013)(637,700)(91,190)Credit losses for quality assurance commitment(1,074,955)(546,374)(78,130)(4,587,254)(3,462,384)(495,114)Impairment of goodwill and intangible assets ----(50,676)(7,247)Total operating expenses(2,668,772)(2,541,229)(363,391)(10,530,697)(10,656,183)(1,523,813)Operating profit787,920482,65569,0182,535,1272,913,300416,598Other income, net25,94520,7762,971310,123188,14526,904Profit before income tax expense813,865503,43171,9892,845,2503,101,445443,502Income tax expenses(133,110)(87,904)(12,570)(457,405)(556,243)(79,542)Net profit 680,755415,52759,4192,387,8452,545,202363,960          Less: Net profit/(loss) attributable to non-
controlling interest shareholders50(9,186)(1,314)4,6992,797400Net profit attributable to FinVolution Group680,705424,71360,7332,383,1462,542,405363,560          Foreign currency translation adjustment, net of
nil tax 28,205(18,371)(2,627)12,620(79,599)(11,383)Total comprehensive income attributableto FinVolution Group 708,910406,34258,1062,395,7662,462,806352,177Weighted average number of ordinary shares used
      in computing net income per share





Basic1,266,235,8091,240,449,2521,240,449,2521,287,853,2071,259,849,5211,259,849,521Diluted1,303,393,4651,328,365,2181,328,365,2181,320,229,4921,334,237,9851,334,237,985Net profit per share attributable to FinVolution
      Group's ordinary shareholders





Basic0.540.340.051.852.020.29Diluted0.520.330.051.811.920.27Net profit per ADS attributable to FinVolution
      Group's ordinary shareholders (one ADS
      equal five ordinary shares)





Basic2.691.710.249.2510.091.44Diluted2.611.630.239.039.591.37  FinVolution GroupUNAUDITED INTERIM CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS  (All amounts in thousands, except share data, or otherwise noted)

Three Months Ended December 31,
Year Ended December 31,
2024
2025
2024
2025
RMB
RMB
USD
RMB
RMB
USDNet cash provided by operating
activities 419,707
464,913
66,482
2,893,160
1,867,600
267,064Net cash used in investing
activities(737,991)
(330,241)
(47,222)
(2,295,816)
(2,183,697)
(312,263)Net cash provided by/(used in)
financing activities127,539
(530,864)
(75,912)
(622,715)
(194,696)
(27,841)Effect of exchange rate changes
on cash and cash equivalents5,407
(13,185)
(1,888)
3,053
(38,308)
(5,480)Net decrease in cash, cash
equivalent and restricted cash(185,338)
(409,377)
(58,540)
(22,318)
(549,101)
(78,520)Cash, cash equivalent and
restricted cash at beginning of
period6,932,410
6,607,348
944,838
6,769,390
6,747,072
964,818Cash, cash equivalent and
restricted cash at end of period6,747,072
6,197,971
886,298
6,747,072
6,197,971
886,298  FinVolution GroupUNAUDITED Reconciliation of GAAP and Non-GAAP Results  (All amounts in thousands, except share data, or otherwise noted)

For the Three Months Ended December 31,For the Year Ended December 31,
2024202520242025
RMBRMBUSDRMBRMBUSDNet Revenues3,456,6923,023,884432,40913,065,82413,569,4831,940,411Less: total operating expenses(2,668,772)(2,541,229)(363,391)(10,530,697)(10,656,183)(1,523,813)Operating Income787,920482,65569,0182,535,1272,913,300416,598Add: share-based compensation expenses34,06437,1835,317144,052149,04521,313Non-GAAP adjusted operating income821,984519,83874,3352,679,1793,062,345437,911






Operating Margin22.8 %16.0 %16.0 %19.4 %21.5 %21.5 %Non-GAAP operating margin23.8 %17.2 %17.2 %20.5 %22.6 %22.6 %Non-GAAP adjusted operating income821,984519,83874,3352,679,1793,062,345437,911Add: other income, net25,94520,7762,971310,123188,14526,904Less: income tax expenses(133,110)(87,904)(12,570)(457,405)(556,243)(79,542)Non-GAAP net profit714,819452,71064,7362,531,8972,694,247385,273Net profit/(loss) attributable to non-controlling interestshareholders50(9,186)(1,314)4,6992,797400Non-GAAP net profit attributable to FinVolution Group714,769461,89666,0502,527,1982,691,450384,873






Weighted average number of ordinary
shares used in computing net income
per share





Basic1,266,235,8091,240,449,2521,240,449,2521,287,853,2071,259,849,5211,259,849,521Diluted1,303,393,4651,328,365,2181,328,365,2181,320,229,4921,334,237,9851,334,237,985Non-GAAP net profit per share
attributable to FinVolution Group's
ordinary shareholders





Basic0.560.370.051.962.140.31Diluted0.550.350.051.912.030.29Non-GAAP net profit per ADS
attributable to    FinVolution Group's
ordinary shareholders (one ADS equal
five ordinary shares)





Basic2.821.860.279.8110.681.53Diluted2.741.770.259.5710.151.44 



View original content:https://www.prnewswire.com/news-releases/finvolution-group-reports-fourth-quarter-and-fiscal-year-2025-unaudited-financial-results-302714768.htmlSOURCE FinVolution Group

Original: FinVolution Group Reports Fourth Quarter and Fiscal Year 2025 Unaudited Financial Results

FinVolution Group Announces Dividend Increase to US$0.306 per American Depositary Share, Up 10.5% Year-Over-YearMarch 16, 2026 6:05 PM
PR Newswire (US)

-Represents approximately 20.5% payout ratio of Net Income for FY 2025-
-Marks eighth consecutive year of dividend declaration-SHANGHAI, March 16, 2026 /PRNewswire/ -- FinVolution Group ("FinVolution," or the "Company") (NYSE: FINV), a leading fintech platform across China and international markets, today announced that its board of directors (the "Board") has approved a cash dividend of US$0.306 per American Depositary Share, which represents a payout ratio of approximately 20.5% of the Company's net income for fiscal year 2025. The dividend is expected to be distributed on or around May 7, 2026 to shareholders of record as of the close of business on April 16, 2026.The decision to distribute dividends, and the amount of any such dividend payments, is made at the Board's discretion based on the Company's operations, earnings, cash flows, financial condition and other relevant factors.For fiscal year 2025, the Company's distributions to shareholders will total approximately US$181.7 million, consisting of US$107.2 million in share repurchases and US$74.5 million in dividends, representing a total payout ratio of approximately 50.0%.Mr. Shaofeng Gu, Chairman of the Board of FinVolution, commented, "We are pleased to declare dividends for the eighth consecutive year, underscoring our unwavering commitment to shareholder returns. The fiscal year 2025 distribution reflects this dedication to creating long-term value, and we will continue to build on this track record of strong and consistent shareholder returns."Mr. Tiezheng Li, Vice Chairman of the Board and Chief Executive Officer of FinVolution commented, "Our Local Excellence, Global Outlook Strategy continues to drive robust performance across our core China market and accelerating international operations, fueling sustainable, high-quality growth. The strong execution of our capital return program underscores our confidence in our business outlook and our unwavering commitment to sharing the rewards of our growth with shareholders."About FinVolution Group FinVolution Group is a leading fintech platform with strong brand recognition across China and international markets, connecting borrowers of the young generation with financial institutions. Established in 2007, the Company is a pioneer in China's online consumer finance industry and has developed innovative technologies and has accumulated in-depth experience in the core areas of credit risk assessment, fraud detection, big data and artificial intelligence. The Company's platforms, empowered by proprietary cutting-edge technologies, features a highly automated loan transaction process, which enables a superior user experience. As of December 31, 2025, the Company had 239.6 million cumulative registered users across China and international markets.For more information, please visit https://ir.finvgroup.comSafe Harbor StatementThis press release contains forward-looking statements. These statements constitute "forward-looking" statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident" and similar statements. Such statements are based upon management's current expectations and current market and operating conditions and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond the Company's control. Forward-looking statements involve risks, uncertainties and other factors that could cause actual results to differ materially from those contained in any such statements. Potential risks and uncertainties include, but are not limited to, uncertainties as to the Company's ability to attract and retain borrowers and investors on its marketplace, its ability to increase volume of loans facilitated through the Company's marketplace, its ability to introduce new loan products and platform enhancements, its ability to compete effectively, laws, regulations and governmental policies relating to the online consumer finance industry in China, general economic conditions in China, and the Company's ability to meet the standards necessary to maintain listing of its ADSs on the NYSE, including its ability to cure any non-compliance with the NYSE's continued listing criteria. Further information regarding these and other risks, uncertainties or factors is included in the Company's filings with the U.S. Securities and Exchange Commission. All information provided in this press release is as of the date of this press release, and FinVolution does not undertake any obligation to update any forward-looking statement as a result of new information, future events or otherwise, except as required under applicable law.For investor and media inquiries, please contact: In China:
FinVolution Group
Head of Capital Markets
Yam Cheng
Tel: +86 (21) 8030 3200 Ext. 8601
Email: ir@xinye.com Piacente Financial Communications
Jenny Cai
Tel: +86 (10) 6508-0677
Email: finv@tpg-ir.com In the United States:
Piacente Financial Communications
Brandi Piacente
Tel: +1-212-481-2050
E-mail: finv@tpg-ir.com 



View original content:https://www.prnewswire.com/news-releases/finvolution-group-announces-dividend-increase-to-us0-306-per-american-depositary-share-up-10-5-year-over-year-302714765.htmlSOURCE FinVolution Group

Original: FinVolution Group Announces Dividend Increase to US$0.306 per American Depositary Share, Up 10.5% Year-Over-Year

FinVolution Group to Report Fourth Quarter and Fiscal Year 2025 Financial Results on Monday, March 16, 2026March 9, 2026 5:00 AM
PR Newswire (US)

-Earnings Call Scheduled for 8:30 p.m. ET on March 16, 2026-SHANGHAI, March 9, 2026 /PRNewswire/ -- FinVolution Group ("FinVolution", or the "Company") (NYSE: FINV), a leading fintech platform across China and international markets, today announced that it will report its fourth quarter and fiscal year 2025 unaudited financial results, on Monday, March 16, 2026, after the close of U.S. markets.The Company's management will host an earnings conference call at 8:30 PM U.S. Eastern Time on March 16, 2026 (8:30 AM Beijing/Hong Kong Time on March 17, 2026).Dial-in details for the earnings conference call are as follows:United States (toll free):+1-888-346-8982Canada (toll free):                      +1-855-669-9657International:+1-412-902-4272Hong Kong, China (toll free):800-905-945Mainland, China (toll free):400-120-1203Participants should dial-in at least 5 minutes before the scheduled start time and ask to be connected to the call for "FinVolution Group".Additionally, a live and archived webcast of the conference call will be available on the Company's investor relations website at https://ir.finvgroup.com.A replay of the conference call will be accessible approximately one hour after the conclusion of the live call until March 23, 2026, by dialing the following telephone numbers:United States / Canada (toll free)             +1-855-669-9658International:+1-412-317-0088Replay Access Code:9046716About FinVolution GroupFinVolution Group is a leading fintech platform with strong brand recognition across China and international markets, connecting borrowers of the young generation with financial institutions. Established in 2007, the Company is a pioneer in China's online consumer finance industry and has developed innovative technologies and has accumulated in-depth experience in the core areas of credit risk assessment, fraud detection, big data and artificial intelligence. The Company's platforms, empowered by proprietary cutting-edge technologies, features a highly automated loan transaction process, which enables a superior user experience. As of September 30, 2025, the Company had 231.3 million cumulative registered users across China and international markets.For more information, please visit https://ir.finvgroup.com.For investor and media inquiries, please contact:In China:
FinVolution Group
Head of Capital Markets
Yam Cheng
Tel: +86 (21) 8030-3200 Ext. 8601
E-mail: ir@xinye.comPiacente Financial Communications
Jenny Cai
Tel: +86 (10) 6508-0677
E-mail: finv@tpg-ir.com  In the United States:
Piacente Financial Communications
Brandi Piacente
Tel: +1-212-481-2050
E-mail: finv@tpg-ir.com



View original content:https://www.prnewswire.com/news-releases/finvolution-group-to-report-fourth-quarter-and-fiscal-year-2025-financial-results-on-monday-march-16-2026-302707948.htmlSOURCE FinVolution Group

Original: FinVolution Group to Report Fourth Quarter and Fiscal Year 2025 Financial Results on Monday, March 16, 2026

FINV new 52 week high

50% later and nope. :)

* * $FINV Video Chart 03-11-2021 * *

Link to Video - click here to watch the technical chart video

Looks to be heading in the right direction, we’ll see if I get any company.

Punched out, getting too hot.

Nice $$$ made today, looking for consolidation/retrace.

gl

Loading Sept $5 calls.

Looks good from here.

China fintechs getting hot.

Earnings March 18ish.

Anyone know anything about this stock? Seems like some big institutions are in it.