Q3 2025 FinVolution Group Earnings Call Transcript
Key Points
- FinVolution Group (FINV) reported a 6.4% year-over-year increase in total revenue, reaching RMB3.5 billion.
- The International business segment showed strong performance, with transaction volume up 33% and revenue up 37% year over year.
- The International segment now represents a record 25% of total revenue, up from 19% a year earlier.
- The company successfully expanded its international borrower base to 10 million, with new borrowers up 18% sequentially.
- FinVolution Group (FINV) continues to leverage AI and big data analytics to enhance risk assessment and pricing capabilities, maintaining a resilient operational foundation.
- The new consumer finance regulation framework in China has introduced short-term uncertainties over volume, revenue, and risk metrics.
- The day-1 delinquency rate increased by 30 basis points quarter over quarter to 5%, and the 30-day collection rate softened to 88%.
- Net income, although up 2.7% year over year, was down 14.7% sequentially due to one-off government subsidies in the previous quarter.
- The regulatory changes in China have led to increased credit risk and industry-wide liquidity tightening.
- The company anticipates potential P&L impact from risk upticks and tightened new loan origination, which could affect near-term profit levels.
Hello, ladies and gentlemen. Thank you for participating in the third-quarter 2025 earnings conference call for FinVolution Group.
(Operator Instructions) Today's conference call is being recorded.
I will now turn the call over to your host, Yam Cheng, Head of Capital Markets for the company. Yam, please go ahead.
Okay. Thank you. Before I start, thank you, everyone, for dialing in. I think the line today could be a bit choppy. In case we get disconnected, we'll dial again, so bear with us.
Okay. Welcome to the third-quarter 2025 earnings conference call.
The company's results were issued via Newswire services earlier today and posted online. You can download the earnings release and sign up for the company's e-mail alerts by visiting the IR section of our website.
Mr. Tiezheng Li, our CEO; and Mr. Jiayuan Xu, our CFO, will start the call with prepared remarks and conclude with a Q&A session.
During this call, we will be referring to
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