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FinVolution Group Reports Q3 2025 Financial Outcomes

FinVolution Group, a prominent fintech platform operating in China, Indonesia, and the Philippines, recently shared its unaudited financial results for the third quarter of 2025. The report reveals not only some impressive figures but also strategic insights into the company's ability to adapt amidst changing regulations and market dynamics in the fintech sector.

Financial Performance Overview

For the third quarter of the fiscal year, FinVolution reported total revenues amounting to RMB 3,486.6 million, reflecting a year-over-year increase of 6.4%. Despite fluctuations in transaction volumes, the company managed to maintain robust growth through international operations, which accounted for RMB 873.3 million—a remarkable 37.4% increase year-over-year and representing 25% of the total revenue for the quarter.

Key Metrics

1. Total Transaction Volume: The overall transaction volume marginally decreased to RMB 51.2 billion from the previous year's RMB 52.2 billion, down by 1.9%. This was largely due to a dip in transaction volumes within mainland China, which fell 3.8% to RMB 47.6 billion.

2. International Transactions: The international transaction volume surged by 33.3% to RMB 3.6 billion, underscoring the platform’s successful expansion into these new markets.

3. Outstanding Loan Balances: The loan balance experienced a significant boost, rising 13.2% to RMB 77.1 billion from RMB 68.1 billion year-over-year, with international loan balances expanding by an impressive 43.8%.

4. User Growth: The fintech platform continues to attract more users, with cumulative registered users reaching 231.3 million across its operating regions.

Operational Highlights

In terms of user engagement, the cumulative number of registered users in international markets saw a tremendous increase, climbing 45.1% to 47 million. The total number of borrowers in these regions rose by 58.7% to 10 million, indicating strong market penetration and the effectiveness of FinVolution’s service offerings. Additionally, the number of new borrowers grew significantly, suggesting that the company is successfully attracting more clients in its international markets.

Resilience in China Market

While the Chinese market faces challenges due to regulatory shifts, the company remains steadfast, having implemented robust risk management strategies that have proven effective in maintaining service quality and operational efficiency. The financial report highlights that the unique borrowers in the third quarter remained stable at 2 million compared to the same period in 2024.

CEO Tiezheng Li emphasized the company’s adaptive strategy, ‘Local Excellence, Global Outlook,’ which has effectively balanced the performance in China with accelerating international growth. This strategy continues to provide FinVolution resilience as it navigates through a changing regulatory landscape.

Financial Highlights

In addition to revenue increases, FinVolution also reported slight growth in net profit, which was RMB 640.7 million, a 2.7% increase from the previous year. The net profit per American depositary share (ADS) stood at RMB 2.34, consistent with the company’s aim of delivering value to shareholders even amidst fluctuating market conditions.

The adjusted operating income reached RMB 769.8 million, a substantial growth compared to RMB 599.8 million in the previous year. This reflects FinVolution's continued commitment to improving operational efficiency and its proactive management of costs.

Looking Ahead

Looking toward the future, FinVolution remains optimistic despite potential regulatory hurdles. The management has set guidance for total revenue for the fiscal year 2025 to be within RMB 13.1 billion to RMB 13.7 billion, anticipating a growth rate of approximately 0% to 5%. The company's emphasis on sustainable growth will be crucial as it strives to maintain its competitive edge in both domestic and international markets.

Conclusion

As FinVolution Group continues to exhibit resilience in challenging conditions, stakeholders are encouraged to remain vigilant on the developments within the fintech landscape, especially regarding regulatory impacts. The company’s consistent growth, both domestically and internationally, positions it strongly for future advances. Investors and market participants can tune into the earnings conference call to gain further insights into the financial standings and future outlook of FinVolution as they navigate the evolving landscape of financial services in Asia.

For additional information, visit the FinVolution Group investor relations page.