FinVolution Group

FINV

Market cap $1.27B

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FinVolution Group (FINV) has experienced a sharp stock decline despite strong earnings and resilient international growth, especially in Southeast Asia. FINV's international segment now accounts for 25% of revenue, providing a natural hedge against Chinese regulatory uncertainty and supporting overall growth. Management is committed to maximizing shareholder returns through buybacks, citing the stock's undervaluation at 0.6x net book value and robust financial metrics.

FinVolution Group ( FINV ) Q3 2025 Earnings Call November 19, 2025 7:30 PM EST Company Participants Yam Cheng Tiezheng Li - Co-Founder, CEO & Vice Chairman Jiayuan Xu - Chief Financial Officer Conference Call Participants Xiaoxiong Ye - UBS Investment Bank, Research Division Yun-Yin Wang - China Renaissance, Research Division Dongping Zhou - China International Capital Corporation Limited, Research Division Presentation Operator Hello, ladies and gentlemen. Thank you for participating in the third quarter 2025 earnings conference call for FinVolution Group.

- Third Quarter Revenue reached RMB3,486.6 million, up 6.4% year-over-year- - Third Quarter International Revenues reached RMB873.3 million, up 37.4% year-over-year and representing 25.0% of total net revenues- SHANGHAI , Nov. 19, 2025 /PRNewswire/ -- FinVolution Group ("FinVolution" or the "Company") (NYSE: FINV), a leading fintech platform in China, Indonesia and the Philippines, today announced its unaudited financial results for the third quarter ended September 30, 2025. For the Three Months Ended/As of YoY Change September 30 ,  2024 September 30 ,  2025 Total Transaction Volume (RMB in billions )[ 1] 52.2 51.2 -1.9 % Transaction Volume (China's Mainland)[2] 49.5 47.6 -3.8 % Transaction Volume (International)[3] 2.7 3.6 33.3 % Total Outstanding Loan Balance (RMB in billions ) 68.1 77.1 13.2 % Outstanding Loan Balance (China's Mainland)[4] 66.5 74.8 12.5 % Outstanding Loan Balance (International)[5] 1.6 2.3 43.8 % Third Quarter 2025 China Market Operational Highlights Cumulative registered users[6] reached 184.3 million as of September 30, 2025, an increase of 10.5% compared with September 30, 2024.

-Earnings Call Scheduled for 7:30 p .m. ET on November 19 , 2025- SHANGHAI , Nov. 12, 2025 /PRNewswire/ -- FinVolution Group ("FinVolution", or the "Company") (NYSE: FINV), a leading fintech platform, today announced that it will report its third quarter 2025 unaudited financial results, on Wednesday, November 19, 2025, after the close of U.S. markets.

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Both FinVolution and Qfin Holdings have demonstrated resilience in China's challenging regulatory and macroeconomic environment. QFIN focuses on technological innovation and deeper domestic partnerships, while FINV seeks growth through international expansion and market diversification. Both companies remain profitable and undervalued, though their strategies differ in efficiency, cash flow stability, and capital returns.

FinVolution Group is a Chinese fintech specializing in consumer lending, leveraging AI and expanding rapidly in Southeast Asia. FINV trades at a forward P/E of 4.21, significantly undervalued versus peers, with robust Q2 2025 results and strong international revenue growth. Tailwinds include international expansion and high borrower demand, while risks involve FX exposure and interest-rate sensitivity impacting margins.

FinVolution offers a compelling high-risk, high-reward opportunity due to its leading position in China's fintech consumer finance sector and attractive valuation. FINV is expanding internationally, with strong growth in Indonesia and the Philippines, and aims for 30% CAGR in these markets, supporting overall growth prospects. The stock trades at a low forward P/B of 0.68x and boasts a high ROCE, with a yield of ~28%, making FINV undervalued even after considering political risks.

FinVolution remains a Buy, despite a 30% stock decline, with the investment thesis intact and valuation now more attractive. FINV's topline, EPS, and international expansion all exceeded expectations, while credit discipline and risk buffers remain robust. International growth, especially in Pakistan and the Philippines, is accelerating, with upgraded profit guidance and promising new partnerships.