FinVolution Group (FINV.US) announced its financial results for the fourth quarter and full year of fiscal 2025 after the U.S. market closed on Monday. The report shows that the company's Q4 net revenue reached 3.024 billion Chinese yuan, with a net profit of 416 million yuan. Diluted earnings per ADS were 1.63 yuan. On a non-GAAP basis, the adjusted operating profit was 520 million yuan, with diluted earnings per ADS of 1.77 yuan.
For the full year, net revenue was 13.570 billion yuan, representing a year-over-year increase of 3.8%. Net profit for the year was 2.545 billion yuan, an increase of 6.6% compared to the previous year.
In terms of business metrics, as of December 31, 2025, the cumulative number of registered users in the Chinese market reached 187.4 million, an increase of 8.6% year-over-year. The cumulative number of borrowers reached 29 million, up 8.2% from the previous year. In international markets, the cumulative number of registered users reached 52.1 million, a significant increase of 45.9% year-over-year. The cumulative number of borrowers in international markets reached 11.7 million, marking a substantial growth of 67.1%.
In the fourth quarter, the transaction volume in the Chinese market was 38.7 billion yuan, with outstanding loan balance standing at 68.3 billion yuan. The international market transaction volume was 4.1 billion yuan, up 41.4% year-over-year. The outstanding loan balance for international markets was 2.6 billion yuan, increasing by 52.9% compared to the prior year. Revenue from international business was 950.9 million yuan, growing 28.6% and accounting for a record high of 31.4% of total revenue.
Furthermore, the company's CFO, Xu Jiayuan, stated, "The company continues to deliver substantial returns to shareholders: we executed a $107.2 million stock repurchase for the full year, with a record $40.7 million repurchased in the fourth quarter alone. We have increased the dividend per ADS by 10.5% to $0.306, with total dividend distributions for full-year 2025 amounting to approximately $74.5 million. Recently, the company's Chairman and senior management team also made additional share purchases worth $1.9 million using their personal funds, which fully demonstrates internal confidence in our company's valuation and long-term prospects."
Looking ahead to the full year of 2026, the company expects its total revenue to be in the range of approximately 11.5 billion to 12.9 billion yuan. The company's Vice Chairman and CEO, Li Tiezheng, commented, "Looking forward, we will leverage our robust risk management capabilities, continued investment in AI innovation, and responsible growth strategy to prudently manage our domestic business while accelerating our sustainable international expansion. We will capitalize on the strong momentum of our international operations and, through disciplined execution, remain committed to creating growth and lasting value for our users, partners, and shareholders."
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