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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%

Fundamentals

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

Diluted EPS by quarter

2.40Sep '242.60Dec '242.85Mar '252.80Jun '252.35Sep '251.65Dec '251.65Mar '261.80Jun '26

Free cash flow by quarter

CN¥1.3BSep '24CN¥392.0MDec '24CN¥522.3MMar '25CN¥8.6MJun '25CN¥871.7MSep '25CN¥371.6MDec '25CN¥226.0MMar '26CN¥-390.0MJun '26

Annual revenue

CN¥7.8BFY20CN¥9.5BFY21CN¥11.3BFY22CN¥12.6BFY23CN¥13.1BFY24CN¥13.6BFY25

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%

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%

This company reports in its own local currency, not U.S. dollars. Every figure below is labeled with its real currency, not automatically converted.

Income statement

Line item 2026 Q2
(CNY)
2026 Q1
(CNY)
2025 ANNUAL
(CNY)
2025 Q4
(CNY)
2025 Q3
(CNY)
Total Revenue as Reported CN¥3.40B CN¥3.21B CN¥13.57B CN¥3.02B CN¥3.49B
Total Operating Revenue CN¥3.40B CN¥3.21B CN¥13.61B CN¥3.06B CN¥3.49B
Cost of Revenue CN¥752.93M CN¥762.32M CN¥2.97B CN¥912.71M CN¥757.82M
Gross Profit CN¥2.65B CN¥2.45B CN¥10.64B CN¥2.15B CN¥2.73B
Operating Expense CN¥2.08B CN¥1.92B CN¥7.71B CN¥1.69B CN¥2.00B
Selling and Admin Expenses CN¥587.20M CN¥606.29M CN¥2.64B CN¥636.90M CN¥652.55M
-Selling & Marketing Expense CN¥480.85M CN¥492.45M CN¥2.20B CN¥512.45M CN¥551.95M
-General & Admin Expense CN¥106.35M CN¥113.84M CN¥442.15M CN¥124.45M CN¥100.60M
Research & Development CN¥118.93M CN¥125.46M CN¥536.62M CN¥142.57M CN¥139.03M
Asset Impairment Loss CN¥262.30M CN¥329.66M CN¥1.06B CN¥368.06M CN¥287.75M
Other Operating Expenses CN¥1.11B CN¥856.64M CN¥3.46B CN¥546.37M CN¥917.26M
Operating Profit CN¥572.99M CN¥529.70M CN¥2.94B CN¥454.18M CN¥732.20M
Other Income (Expense) -CN¥29.86M -CN¥15.52M CN¥165.94M CN¥49.25M CN¥44.26M
Special Income (Charges) -CN¥63.76M – -CN¥50.68M CN¥0.00 -CN¥265,000.00
-Less:Impairment of Capital Assets CN¥63.76M – CN¥50.68M CN¥0.00 CN¥265,000.00
Other Non-Operating Income (Expenses) CN¥33.90M -CN¥15.52M CN¥216.62M CN¥49.25M CN¥44.52M
Pretax Profit CN¥543.13M CN¥514.17M CN¥3.10B CN¥503.43M CN¥776.46M
Tax CN¥116.36M CN¥93.12M CN¥556.24M CN¥87.90M CN¥135.74M
Net Profit CN¥426.77M CN¥421.06M CN¥2.55B CN¥415.53M CN¥640.72M
Profit from Continuing Operations CN¥426.77M CN¥421.06M CN¥2.55B CN¥415.53M CN¥640.72M
Minority Interests -CN¥14.78M CN¥6.00M CN¥2.80M -CN¥9.19M CN¥16.43M
Net Income to Parent Company CN¥441.55M CN¥415.06M CN¥2.54B CN¥424.71M CN¥624.29M
Net Income to Common Stockholders CN¥441.55M CN¥415.06M CN¥2.54B CN¥424.71M CN¥624.29M
Basic EPS CN¥1.85 CN¥1.75 CN¥10.10 CN¥1.70 CN¥2.50
Diluted EPS CN¥1.80 CN¥1.65 CN¥9.60 CN¥1.65 CN¥2.35
Dividend Per Share CN¥2.09 CN¥0.00 CN¥2.01 CN¥0.00 CN¥0.00

Balance sheet

Line item 2026 Q2
(CNY)
2026 Q1
(CNY)
2025 ANNUAL
(CNY)
2025 Q4
(CNY)
2025 Q3
(CNY)
Total Assets CN¥26.07B CN¥25.69B CN¥25.41B CN¥25.41B CN¥26.29B
Total Current Assets CN¥18.97B CN¥19.13B CN¥20.24B CN¥20.24B CN¥19.67B
Cash and Cash Equivalents & Short-Term Investments CN¥6.42B CN¥7.33B CN¥7.30B CN¥7.30B CN¥7.04B
-Cash and Cash Equivalents CN¥3.26B CN¥4.69B CN¥4.29B CN¥4.29B CN¥4.24B
-Short Term Investments CN¥3.16B CN¥2.64B CN¥3.02B CN¥3.02B CN¥2.80B
Receivables CN¥10.92B CN¥9.94B CN¥9.92B CN¥9.92B CN¥10.26B
-Accounts Receivable CN¥2.90B CN¥1.60B CN¥2.03B CN¥2.03B CN¥2.42B
-Loans Receivable CN¥6.60B CN¥6.96B CN¥6.47B CN¥6.47B CN¥6.35B
-Other Receivables CN¥1.42B CN¥1.38B CN¥1.32B CN¥1.32B CN¥1.50B
Restricted Cash CN¥1.63B CN¥1.86B CN¥1.91B CN¥1.91B CN¥2.37B
Total Non-Current Assets CN¥7.11B CN¥6.56B CN¥5.18B CN¥5.18B CN¥6.62B
Net PPE CN¥665.70M CN¥675.80M CN¥693.34M CN¥693.34M CN¥645.49M
-Gross PPE CN¥665.70M CN¥675.80M CN¥1.05B CN¥1.05B CN¥645.49M
Investments and Advances CN¥1.16B CN¥1.14B CN¥1.14B CN¥1.14B CN¥1.21B
Goodwill and Other Intangible Assets CN¥286.24M CN¥350.01M CN¥350.01M CN¥350.01M CN¥147.63M
-Goodwill CN¥79.76M CN¥79.76M CN¥79.76M CN¥79.76M CN¥0.00
-Other Intangible Assets CN¥206.48M CN¥270.25M CN¥270.25M CN¥270.25M CN¥147.63M
Non-Current Deferred Assets CN¥3.50B CN¥3.22B CN¥2.99B CN¥2.99B CN¥3.40B
Other Non-Current Assets CN¥1.48B CN¥1.17B – – CN¥1.22B
Total Liabilities CN¥9.33B CN¥9.14B CN¥8.57B CN¥8.57B CN¥9.58B
Total Current Liabilities CN¥4.72B CN¥4.80B CN¥3.89B CN¥3.89B CN¥4.76B
Payables CN¥1.46B CN¥2.10B CN¥1.97B CN¥1.97B CN¥1.91B
-Total Tax Payable CN¥477.07M CN¥428.81M CN¥177.06M CN¥177.06M CN¥667.52M
-Other Payable CN¥983.65M CN¥1.16B CN¥1.77B CN¥1.77B CN¥1.25B
Current Accrued Expenses CN¥1.62B CN¥1.38B CN¥632.38M CN¥632.38M CN¥1.43B
Short-Term Debt and Capital Lease Obligation CN¥387.46M CN¥192.10M CN¥170.41M CN¥170.41M CN¥91.85M
-Current Debt CN¥387.46M CN¥192.10M CN¥170.41M CN¥170.41M CN¥91.85M
Current Deferred Liabilities CN¥1.26B CN¥1.13B CN¥1.12B CN¥1.12B CN¥1.32B
Total Non-Current Liabilities CN¥4.61B CN¥4.34B CN¥4.68B CN¥4.68B CN¥4.82B
Long Term Debt and Capital Lease Obligation CN¥1.19B CN¥1.18B CN¥1.15B CN¥1.15B CN¥1.06B
-Long Term Debt CN¥1.15B CN¥1.14B CN¥1.11B CN¥1.11B CN¥1.03B
-Long Term Capital Lease Obligation CN¥40.06M CN¥44.76M CN¥44.71M CN¥44.71M CN¥27.30M
Non-Current Deferred Liabilities CN¥736.81M CN¥787.62M CN¥786.56M CN¥786.56M CN¥676.34M
Other Non-Current Liabilities CN¥2.68B CN¥2.37B CN¥2.74B CN¥2.74B CN¥3.09B
Total Equity CN¥16.74B CN¥16.55B CN¥16.84B CN¥16.84B CN¥16.71B
Stockholders' Equity CN¥16.63B CN¥16.25B CN¥16.55B CN¥16.55B CN¥16.40B
Capital Stock CN¥103,000.00 CN¥103,000.00 CN¥103,000.00 CN¥103,000.00 CN¥103,000.00
-Common Stock CN¥103,000.00 CN¥103,000.00 CN¥103,000.00 CN¥103,000.00 CN¥103,000.00
Additional Paid-In Capital CN¥5.99B CN¥5.94B CN¥5.91B CN¥5.91B CN¥5.88B
Retained Earnings CN¥12.40B CN¥11.96B CN¥12.05B CN¥12.05B CN¥11.82B
Less: Treasury Stock CN¥2.83B CN¥2.74B CN¥2.47B CN¥2.47B CN¥2.18B
Gains/Losses Not Affecting Retained Earnings CN¥1.08B CN¥1.08B CN¥1.06B CN¥1.06B CN¥884.12M
Minority Interests CN¥108.85M CN¥299.88M CN¥293.89M CN¥293.89M CN¥316.68M
-Dividends Payable – CN¥506.71M – – –
-Taxes Receivable – – CN¥64.30M CN¥64.30M –
-Due from Related Parties Current – – CN¥36.73M CN¥36.73M –
Prepaid Assets – – CN¥1.11B CN¥1.11B –
-Accumulated Depreciation – – -CN¥354.89M -CN¥354.89M –
-Due to Related Parties Current – – CN¥18.70M CN¥18.70M –

Cash flow

Line item 2026 Q2
(CNY)
2026 Q1
(CNY)
2025 ANNUAL
(CNY)
2025 Q4
(CNY)
2025 Q3
(CNY)
Operating Cash Flow -CN¥389.98M CN¥225.99M CN¥1.87B CN¥464.91M CN¥871.73M
Net cash flow from investing -CN¥515.47M CN¥146.02M -CN¥2.18B -CN¥330.24M -CN¥1.19B
Financing Cash Flow -CN¥708.06M CN¥9.42M -CN¥194.70M -CN¥530.86M -CN¥123.53M
Ending Cash Balance CN¥4.89B CN¥6.55B CN¥6.20B CN¥6.20B CN¥6.61B
Net Change in Cash -CN¥1.61B CN¥381.43M -CN¥510.79M -CN¥396.19M -CN¥445.37M
Beginning Cash Balance CN¥6.55B CN¥6.20B CN¥6.75B CN¥6.61B CN¥7.07B
Effect of Exchange Rate Changes -CN¥46.22M -CN¥28.75M -CN¥38.31M -CN¥13.19M -CN¥19.61M
Free Cash Flow -CN¥389.98M CN¥225.99M CN¥1.77B CN¥371.56M CN¥871.73M
Net cash flow from continuing operations – – CN¥1.87B – –
Net Income from Continuing Operations – – CN¥2.55B – –
Gain/Loss from Continuing Operations – – CN¥28.74M – –
Depreciation & Depletion & Amortization – – CN¥88.86M – –
Other Non-Cash Items – – -CN¥1.34B – –
Change in Working Capital – – -CN¥1.20B – –
-Change in Receivables – – -CN¥178.34M – –
-Change in Prepaid Assets – – CN¥182.78M – –
-Change in Payables and Accrued Expense – – -CN¥195.87M – –
-Change in Other Current Liabilities – – -CN¥413.40M – –
-Change In Other Working Capital – – -CN¥592.20M – –
Net Cash Flow from Continuing Investing Activities – – -CN¥2.18B – –
Net PPE Purchase and Sale – – -CN¥84.19M – –
Net Intangibles Purchase and Sale – – -CN¥9.16M – –
Net Business Purchase and Sale – – -CN¥226.72M – –
Net Investment Purchase and Sale – – -CN¥199.63M – –
Net Other Investing Changes – – -CN¥1.66B – –
Net Cash Flow from Continuing Financing Activities – – -CN¥194.70M – –
Net Issuance Payments Of Debt – – CN¥1.16B – –
Net Common Stock Issuance – – -CN¥767.00M – –
Cash Dividends Paid – – -CN¥510.20M – –
Proceeds from Stock Option Exercised – – CN¥10.26M – –
Net Other Financing Charges – – -CN¥90.25M – –

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