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Sep 30, 2025
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FinVolution Q3 2025 Earnings Report
FinVolution reported steady Q3 2025 results with revenue and profit growth, led by international expansion.
Key Takeaways
FinVolution delivered solid performance in Q3 2025. Revenue reached $489.8M and net income was $90M. The international segment continued to grow rapidly, now contributing a quarter of total revenue.
Revenue reached $489.8M, driven by growth in international markets
Net income rose to $90.0M despite lower guarantee income
International operations accounted for 25% of total revenue
Adjusted operating income hit $108.1M, up from $84.2M last year
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
For FY2025, FinVolution expects total revenue between RMB13.1B and RMB13.7B (~$1.84B to $1.92B), representing 0% to 5% YoY growth, amidst a dynamic regulatory environment in China.
Positive Outlook
- Revenue guidance implies stable to moderate growth
- International business gaining strong traction
- Improved adjusted operating margin
- Maintained strong cash position of $595M
- Share repurchases total $66.5M YTD
Challenges Ahead
- Regulatory changes in China present near-term risks
- Guarantee income declined YoY
- Other income dropped due to fewer subsidies
- Provision for loan losses rose significantly
- Flat EPS despite strong operating income growth
Historical Earnings Impact
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Avg. Return Before/After Earnings
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