FinVolution Group(FINV)Earnings, Financials & Key Ratios

FINV•NYSE

$4.71

3.4× P/E·Price updated Jul 7, 2026

SectorFinancial Services IndustryCredit Services Sub-IndustryConsumer Credit Issuers and Installment Lenders

AboutFinVolution Group operates fintech platform that connects underserved individual borrowers with financial institutions in China. It operates in online consumer finance industry. The company's platform empowered by proprietary technologies, features automated loan transaction process, which enables a user experience. As of March 31, 2022, it had approximately 145.3 million cumulative registered users. 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.Show more

EBITDA$2.97B+13.4%
Net Income$2.47B+3.8%
EPS (Diluted)9.35+3.3%
Gross Margin78.63%-0.9%
EBITDA Margin22.52%+12.2%
Operating Margin21.84%+12.6%
Net Margin18.74%+2.7%
ROE15.26%-5.8%

FINV Price & Volume

FinVolution Group (FINV) stock price & volume — 10-year historical chart

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Margin Compression Challenges FinVolution's Stagnant Revenue Growth

Investment Thesis • Updated 2025Q4

VerdictNeutral

Growth:Decelerating

Profitability:Moderate

Financial:Fortress

Cash Flow:Mixed

Primary Risk:Regulatory IRR Cap Compression

Key Thesis Takeaways

FinVolution faces a challenging outlook as revenue remains range-bound between $3.0 billion and $3.6 billion, signaling limited top-line expansion in its core market.
While the company maintains a fortress balance sheet with a debt-to-equity ratio of 0.08, persistent regulatory pressures have compressed net margins to 14.0% as of 2025Q4.
Investors should monitor the sustainability of aggressive capital returns, such as the $744.8 million share repurchase, against the backdrop of volatile cash flow conversion and potential future regulatory tightening.

Verdict Logic

while the stock trades at a low P/E of 3.49, the significant volatility in earnings and the recent decline in net income to $418.9 million warrant caution regarding long-term profitability.

FINV Growth Metrics

FinVolution Group (FINV) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years52.37%

5 Years11.78%

3 Years5.38%

TTM-

Profit CAGR

10 Years-

5 Years4.63%

3 Years2.95%

TTM6.44%

EPS CAGR

10 Years-

5 Years7.21%

3 Years6.23%

TTM6.7%

Return on Capital

10 Years-7.96%

5 Years15.59%

3 Years13.58%

Last Year12.98%

FINV Recent Earnings

FinVolution Group (FINV) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 2/12 qtrs (67%)●Beat Revenue 2/12 qtrs (40%)

Q2 2026Latest

May 25, 2026

Metric

Actual

Est

EPS

$0.26+11.4%

$0.23

Rev

$465M+6.0%

$439M

Q2 2026

Mar 16, 2026

Metric

Actual

Est

EPS

$0.25+8.6%

$0.23

Rev

$432M-1.8%

$440M

Q4 2025

Nov 19, 2025

Metric

Actual

Est

EPS

$0.34-5.4%

$0.36

Rev

$490M-4.0%

$510M

Q3 2025

Aug 20, 2025

Metric

Actual

Est

EPS

$0.41

—

Rev

$499M

—

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	May 25, 2026	$0.26vs $0.23+11.4%	$465Mvs $439M+6.0%
Q2 2026	Mar 16, 2026	$0.25vs $0.23+8.6%	$432Mvs $440M-1.8%
Q4 2025	Nov 19, 2025	$0.34vs $0.36-5.4%	$490Mvs $510M-4.0%
Q3 2025	Aug 20, 2025	$0.41	$499M

Based on last 12 quarters of dataView full earnings history →

Latest FINV News

Recent stock market news and headlines for FinVolution Group (FINV)

PRNewsWire·Jun 17, 2026

FinVolution Group Publishes Eighth Annual ESG Report

SHANGHAI, June 17, 2026 /PRNewswire/ -- FinVolution Group ("FinVolution," or the "Company") (NYSE: FINV), a leading fintech platform operating across China and overseas markets, today announced the release of its 2025 Environmental, Social, and Governance (ESG) report, the Company's eighth consecutive annual ESG report. The report provides a comprehensive review of FinVolution's ESG initiatives and achievements in 2025, highlighting continued progress in responsible governance, inclusive finance, employee development, and social impact.

Peers Comparison

Key metrics vs top competitors for FinVolution Group (FINV)

Full Screener →

Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
FINVFinVolution GroupCurrent	$4.71	$1.17B	3.42	1.03%	18.74%	15.26%	5.97%
QFINQfin Holdings, Inc.	$14.51	$1.89B	1.15	8.83%	33.86%	24.95%	—
LXLexinFintech Holdings Ltd.	$1.85	$312.03M	1.37	-9.94%	11.52%	14.68%	—
CNFCNFinance Holdings Limited	$2.73	$918.46K	-0.01	-60.88%	-14.04%	-1.25%	—
JFINJiayin Group Inc.	$2.98	$154.86M	4.87	-85.08%	24.72%	37.66%	—
UPSTUpstart Holdings, Inc.	$33.06	$3.16B	73.47	58.87%	4.25%	6.59%	—

Compare FINV vs Peers

FinVolution Group (FINV) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs QFIN

Most directly comparable listed peer for FINV.

Scale Benchmark

vs BABA

Larger-name benchmark to compare FINV against a more recognizable public peer.

Peer Set

Compare Top 5

vs QFIN, LX, CNF, JFIN

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FINV Frequently Asked Questions

FinVolution Group (FINV) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

What is FinVolution Group's revenue?

FinVolution Group (FINV) reported $13.53B in revenue for fiscal year 2025.

How fast is FinVolution Group growing?

FinVolution Group (FINV) grew revenue by 1.0% over the past year. Growth has been modest.

Is FINV profitable?

Yes, FinVolution Group (FINV) is profitable, generating $2.54B in net income for fiscal year 2025 (18.7% net margin).

Dividend & Returns

Does FINV pay dividends?

Yes, FinVolution Group (FINV) pays a dividend with a yield of 5.97%. This makes it attractive for income-focused investors.

What is FINV's return on equity?

FinVolution Group (FINV) has a return on equity (ROE) of 15.3%. This is reasonable for most industries.

What is FinVolution Group's free cash flow?

FinVolution Group (FINV) generated $1.39B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in FINV back in 2015?

Total return calculator · dividends reinvested · 11+ years of data

See returns →

Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

May 25, 2026

$0.26vs $0.23+11.4%

$465Mvs $439M+6.0%

Q2 2026

Mar 16, 2026

$0.25vs $0.23+8.6%

$432Mvs $440M-1.8%

Q4 2025

Nov 19, 2025

$0.34vs $0.36-5.4%

$490Mvs $510M-4.0%

Q3 2025

Aug 20, 2025

$0.41

$499M

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

FINVFinVolution GroupCurrent

$4.71

$1.17B

3.42

1.03%

18.74%

15.26%

5.97%

QFINQfin Holdings, Inc.

$14.51

$1.89B

1.15

8.83%

33.86%

24.95%

—

LXLexinFintech Holdings Ltd.

$1.85

$312.03M

1.37

-9.94%

11.52%

14.68%

—

CNFCNFinance Holdings Limited

$2.73

$918.46K

-0.01

-60.88%

-14.04%

-1.25%

—

JFINJiayin Group Inc.

$2.98

$154.86M

4.87

-85.08%

24.72%

37.66%

—

UPSTUpstart Holdings, Inc.

$33.06

$3.16B

73.47

58.87%

4.25%

6.59%

—