FINV Research | Milton Maxwell

FINV

FinVolution Group

5.11

-0.06-1.16%

Dec 16, 4:00:02 PM EST

Upcoming Earnings

Report date

-/-

Earnings Call Transcripts

This Quarter (Q4 '25)

No earnings call transcript available yet

Last Quarter (Q3 '25)

FY Q3 '25

Risk eases; int'l products accelerate

11/18/25Nov 18, 2025

Q&A revealed China's day-1 delinquency hit 5% in Q3, up 30bps QoQ, with early October peaks easing 4% by November—stabilization hints if sustained two months. Management stressed proactive fixes: tighter underwriting, AI warnings, and 12% QoQ sales/marketing cuts. Internationally, Indonesia's BNPL offline grew 6x YoY transaction volume; Philippines e-comm tripled, adding telecom partnerships. Buybacks ramped 5x in early Q4 versus Q3. Take rates eyed normal levels post-regulation, but short-term P&L hits loom. Int'l to hit 50% revenue by 2030. Watch risk trends, overseas scale.

Key Stats

Market Cap

1.33B

P/E (TTM)

3.38

Basic EPS (TTM)

1.51

Dividend Yield

0.39%

About

FinVolution Group, an investment holding company, operates in the online consumer finance industry in the People's Republic of China, Indonesia, and internationally. It operates an online consumer finance platform through its ppdai.com and PPDai mobile application; KOO Virtual Credit; AdaKami, an online loan platform; and JuanHand for lending and other personalized financial services. The company was formerly known as PPDAI Group Inc. and changed its name to FinVolution Group in November 2019. FinVolution Group was founded in 2007 and is headquartered in Shanghai, the People's Republic of China.

CEO

Mr. Shaofeng Gu

IPO

11/9/2017

Website

https://ir.finvgroup.com

Employees

3,623

Sector

Financial Services

Industry

Credit Services