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An announcement from FinWise ( (FINW) ) is now available.
In March 2026, FinWise reported its fourth-quarter and full-year 2025 results, highlighting strong revenue growth but pressure on earnings from higher credit costs. Net interest income rose to $24.6 million in the fourth quarter of 2025 from $15.5 million a year earlier, while total non-interest income climbed to $22.3 million from $5.6 million, driving total operating revenue to $46.9 million for the quarter and $130.7 million for the year.
Provision for credit losses surged to $17.7 million in the fourth quarter and $38.6 million for 2025, reflecting higher balances in the mid-2025-launched Credit Enhanced Lending program and increased net charge-offs tied to refined servicing and administration standards in the core portfolio. As a result, fourth-quarter 2025 net income was held to $3.9 million and was negatively impacted by about $1.1 million after tax, though full-year 2025 net income still improved to $16.1 million from $12.7 million in 2024, with assets, deposits and shareholders’ equity all showing solid growth, underscoring expanding scale despite rising risk costs.
The most recent analyst rating on (FINW) stock is a Hold with a $16.50 price target. To see the full list of analyst forecasts on FinWise stock, see the FINW Stock Forecast page.
Spark’s Take on FINW Stock
According to Spark, TipRanks’ AI Analyst, FINW is a Neutral.
The score is driven primarily by solid revenue growth and a strong, low-debt balance sheet, supported by a generally constructive earnings-call outlook on originations and credit-enhanced growth. These positives are tempered by weak recent cash generation and margin compression, plus bearish technicals (below major moving averages with negative MACD) despite oversold indicators. Valuation is moderate (P/E ~14.8) but lacks dividend support.
To see Spark’s full report on FINW stock, click here.
More about FinWise
FinWise operates in the financial technology and banking-as-a-service sector, providing traditional banking products alongside fintech-enabled lending programs. The company works with fintech partners that are required to maintain deposit accounts at FinWise, which are used to recover charge-offs in its credit enhanced lending program.
Average Trading Volume: 19,202
Technical Sentiment Signal: Sell
Current Market Cap: $209.8M
See more insights into FINW stock on TipRanks’ Stock Analysis page.