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FinVolution FINV

US equityMarket cap rank #3520
$2.93 −$0.08 (-2.66%)
Market closed · Oct 8, 7:30 am ET · Last extended-hours $2.93 0.00%
Open$2.97
Prev close$3.01
Day range$2.91 – $2.97
Volume277.3K
Market cap$691.76M
P/E (TTM)2.7
Dividend yield10.51%

Earnings

Average move on report day±7.3%last 16 reports
Closed higher7 of 1644% of the time
Best reaction+17.5%
Worst reaction-15.4%

Stock move on the day after each report

-5.3%2023/Q3-2.8%2023/Q4-2.1%2024/Q1-3.5%2024/Q2+3.3%2024/Q3+17.5%2024/Q4-0.5%2025/Q1+5.5%2025/Q2-13.9%2025/Q3+12.6%2025/Q4+11.1%2026/Q1-15.4%2026/Q2
QuarterReport dateTimingImplied moveActual moveVersus implied
2026/Q227 Aug 2026After Market±26.1%-15.42%Within range
2026/Q126 May 2026None±17.3%+11.11%Within range
2025/Q416 Mar 2026After Market±10.9%+12.57%Bigger than priced
2025/Q319 Nov 2025After Market±11.7%-13.90%Bigger than priced
2025/Q220 Aug 2025After Market±16.8%+5.55%Within range
2025/Q120 May 2025After Market±25.0%-0.46%Within range
2024/Q417 Mar 2025After Market±15.6%+17.54%Bigger than priced
2024/Q318 Nov 2024After Market±23.1%+3.32%Within range
2024/Q220 Aug 2024After Market±16.5%-3.51%Within range
2024/Q115 May 2024After Market±16.5%-2.13%Within range
2023/Q418 Mar 2024After Market±25.5%-2.81%Within range
2023/Q320 Nov 2023After Market±13.0%-5.25%Within range
2023/Q228 Aug 2023After Market±25.0%+1.75%Within range
2023/Q117 May 2023After Market±36.4%-0.51%Within range
2022/Q414 Mar 2023After Market±18.8%-14.70%Within range
2022/Q314 Nov 2022After Market±23.3%+6.07%Within range

"Implied move" is the size of move the options market was pricing ahead of the report. Move is the stock’s change on the first session after the release.

Where the revenue comes from

Quarter 2025/FY

By business line

  • Loan facilitation service feesCN¥5.18B 38.1%
  • Guarantee incomeCN¥4.12B 30.4%
  • Post-facilitation service feesCN¥1.63B 12.0%
  • Net interest incomeCN¥1.34B 9.8%
  • OthersCN¥1.08B 7.9%
  • Borrowers referral feeCN¥226.47M 1.7%

By region

  • The People's Republic of China (PRC)CN¥10.24B 75.4%
  • IndonesiaCN¥2.04B 15.0%
  • PhilippinesCN¥1.19B 8.8%
  • OthersCN¥100.12M 0.7%

Fundamentals

Full statements →

Latest reported quarter: Q2, ended Jun 2026 · reported in CNY

RevenueCN¥3.40B-4.9% YoY
Operating profitCN¥572.99M-33.7% YoY
Net profitCN¥426.77M-43.2% YoY
Diluted EPSCN¥1.80-35.7% YoY
Free cash flow-CN¥389.98M-4,620.5% YoY
Operating cash flow-CN¥389.98M

Revenue, last 8 quarters

CN¥3.3BSep '24CN¥3.5BDec '24CN¥3.5BMar '25CN¥3.6BJun '25CN¥3.5BSep '25CN¥3.1BDec '25CN¥3.2BMar '26CN¥3.4BJun '26

Net profit, last 8 quarters

CN¥624.1MSep '24CN¥680.8MDec '24CN¥737.6MMar '25CN¥751.3MJun '25CN¥640.7MSep '25CN¥415.5MDec '25CN¥421.1MMar '26CN¥426.8MJun '26

Profitability & balance sheet

Gross margin75.8%
Operating margin17.4%
Net margin14.5%
Return on equity11.8%
Return on assets7.4%
Return on invested capital10.8%
Current ratio4.02
Liabilities / assets35.8%
Cash & investmentsCN¥6.42B
Total debtCN¥1.57B
Net cash (debt)CN¥4.85B
Free cash flow / sales3.3%

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