Finvolution Group ( (FINV) ) has released its Q3 earnings. Here is a breakdown of the information Finvolution Group presented to its investors.
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FinVolution Group is a leading fintech platform operating in China, Indonesia, and the Philippines, known for connecting young borrowers with financial institutions through its advanced technology and automated loan processes. In its third-quarter 2025 financial report, FinVolution Group announced a 6.4% year-over-year increase in revenue, reaching RMB3,486.6 million, with international revenues contributing significantly at 25% of the total. The company also reported a net profit of RMB640.7 million, marking a 2.7% increase from the previous year.
Key financial highlights include a 33.3% increase in international transaction volume and a 43.8% rise in the outstanding loan balance in international markets. The company saw a decrease in transaction volume within China’s mainland by 3.8%, but maintained a stable number of unique borrowers. FinVolution’s international business showed robust growth, with cumulative registered users increasing by 45.1% and new borrowers rising by 88.2% year-over-year.
The company’s strategic focus on international expansion is evident, with international business revenues growing by 37.4% year-over-year. Despite a slight decline in transaction volumes in China, the company’s overall outstanding loan balance increased by 12.5%. FinVolution’s financial resilience is supported by a strong balance sheet, with RMB7.0 billion in cash and short-term investments, and a stable leverage ratio of 2.4x.
Looking forward, FinVolution Group remains optimistic about capturing long-term growth opportunities, despite regulatory uncertainties in China. The company expects its full-year 2025 total revenue to grow between 0% and 5%, driven by its diversified business model and strategic international expansion.