#China #Shanghai #financial results #FinVolution Group #Fintech Platform

Overview of FinVolution Group

FinVolution Group, recognized as a leading fintech platform in Asia, recently reported its unaudited financial results for the second quarter of 2025. Established in 2007, the company has consistently shown growth through its innovative approach to consumer finance, primarily in markets such as China, Indonesia, and the Philippines. The latest figures underscore its commitment to operational excellence and expansion in international markets.

Key Financial Highlights for Q2 2025

For the three months ending on June 30, 2025, FinVolution achieved remarkable figures:

• - Total Transaction Volume: The company facilitated RMB 54.0 billion, marking a 10.9% increase compared to the previous year.
• - International Transaction Volume: This soared by 39.1%, reaching RMB 3.2 billion, demonstrating FinVolution's growing international footprint.
• - Net Revenue: Increased to RMB 3,577.9 million, reflecting an 11.5% jump year-over-year.
• - Net Profit: The company reported a net income of RMB 751.3 million, which is 36.4% more than the same period last year.

These numbers indicate a robust financial health and strategic growth despite a dynamically changing market.

Detailed Market Performance

China Market Operational Achievements

In the Chinese market, FinVolution marked several operational milestones:

• - Registered Users: The platform attracted 180.9 million cumulative registered users, reflecting an 11.5% growth from the previous year.
• - Borrowers: There are now 27.9 million cumulative borrowers on the platform, an increase of 7.7% year-over-year.
• - Unique Borrowers: The number of unique borrowers for Q2 2025 reached 2.2 million, exhibiting a robust 22.2% increase compared to Q2 2024.

The transaction volume from repeat individual borrowers accounted for RMB 43.8 billion, growing 8.1% year-over-year. This sustained demand indicates the trust that users place in FinVolution's services.

International Market Insights

The international market has shown even more impressive growth:

• - Registered Users: Reached 42.8 million, up 47.1% from the previous year.
• - New Borrowers: FinVolution welcomed 1.1 million new borrowers in Q2 2025, a staggering 126.4% increase year-over-year.
• - Outstanding Loan Balance: Increased by 50% to reach RMB 2.1 billion.

Revenue generated from international operations was RMB 796.7 million, constituting 22.3% of total revenue—a substantial increase from 17.8% the previous year.

Executive Comments

Mr. Tiezheng Li, Vice Chairman and Chief Executive Officer, highlighted the company’s strategy, stating, "Our performance illustrates the effectiveness of our 'Local Excellence, Global Outlook' strategy amidst variable market conditions. We effectively acquired over 1 million new borrowers for four consecutive quarters, driven by data-centric marketing and expanding our global presence."

Mr. Jiayuan Xu, Chief Financial Officer, further emphasized the healthy operational metrics, attributing the increase in international transaction volumes to accelerating global traction and noting a conservative leverage ratio of 2.6x which demonstrates strong financial management.

Business Outlook

Looking ahead, FinVolution maintains its revenue guidance for the full year of 2025, projecting total revenues to range from approximately RMB 14.4 billion to RMB 15.0 billion, indicating a growth between 10% to 15% year-over-year. The company’s adaptive strategies appear to position it well for continued prosperity in the evolving fintech landscape.

Conclusion

FinVolution Group's impressive Q2 2025 results not only highlight its financial resilience but also affirm its expanding influence in the international fintech space. As the company continues capitalizing on technological advancements and market demands, stakeholders can remain optimistic about its future performance and profitability.