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Jun 30, 2025
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FinVolution Q2 2025 Earnings Report
FinVolution reported strong growth in Q2 2025, with increased net income, EPS, and international revenue share.
Key Takeaways
FinVolution delivered a solid quarter, with revenue reaching nearly $500 million and net income exceeding $100 million. The company saw significant growth in international operations, and EPS improved both on a GAAP and non-GAAP basis.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
FinVolution reaffirmed its full-year 2025 revenue guidance of RMB14.4 to 15.0 billion, reflecting confidence in ongoing international expansion and loan growth.
Positive Outlook
- Full-year revenue guidance maintained between RMB14.4B to 15.0B
- Strong borrower acquisition strategy in international markets
- Improved brand recognition and product diversification
- Continued investment in technology to drive efficiency
- High cash position and conservative leverage ratio
Challenges Ahead
- Guarantee income declined year-over-year
- Impairment charges on legacy acquisitions
- Higher marketing and operating costs impacting margins
- International net interest income saw pressure
Historical Earnings Impact
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Avg. Return Before/After Earnings
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