FinVolution Group (FINV) Q2 2025 Earnings Call Transcript
Net Revenue RMB 3.6 billion, up 13% year-over-year, driven by a 10% increase in transaction volume in China and a 39% surge in international transaction volume.
Net Income RMB 751 million, representing an increase of 36% year-over-year and 2% quarter-over-quarter.
International Transaction Volume RMB 3.2 billion, increased 39% year-over-year, with loan balance rising 50% to RMB 2.1 billion. International operations contributed 22% of net revenue, up from 18% in the same period last year.
New Borrowers 1.6 million new borrowers onboarded during the second quarter, a 96% year-over-year increase. Transaction volume from new borrowers reached RMB 7.1 billion, up 20% year-over-year.
Take Rate in China Stable at 3.4%, with the average loan tenure extending slightly to 8.3 months.
Day 1 Delinquency Rate 4.7%, rising 10 basis points quarter-over-quarter.
30-Day Collection Rate 89%, remaining steady.
Provision Coverage Ratio 543%, supporting a prudent approach to provisioning.
Revenue from International Markets RMB 797 million, up 42% year-over-year.
Indonesia Loan Volume Grew 9% year-over-year, with outstanding loan balance increasing 25% to RMB 1.3 billion.
Philippines Loan Volume More than doubled year-over-year to RMB 1.4 billion, accounting for 45% of international business. Buy Now, Pay Later products contributed 32% of volume, up from 30% in the same period last year.
Cash and Short-Term Investments RMB 7.9 billion, providing ample liquidity to support strategic priorities.
Leverage Ratio 2.6x, defined as risk-bearing loans to shareholders' equity.
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Analyst Views on FINV
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Benzinga Unveils Top Ten International Value Stocks for 2026
- Global Value Investment Opportunities: The Benzinga Value Ranking system identifies the top ten non-U.S. value stocks by integrating multiple valuation metrics, assisting investors in finding margin of safety and upside potential in a mispriced market.
- Valuation Dispersion Phenomenon: Outside the U.S., many profitable and asset-rich companies are overlooked, trading at single-digit earnings multiples, highlighting extreme valuation dispersion that presents potential investment opportunities.
- Risk Management Advantage: By focusing on the top decile of the Benzinga Value Ranking, investors can access the cheapest segment of the global market, thereby reducing risk as these stocks typically come with lower expectations.
- Long-Term Growth Potential: As we approach 2026, the Benzinga Value Ranking provides a systematic approach to uncover overlooked global stocks, which, while not guaranteed winners, offer limited downside risk and significant upside potential.
Daira Partners with Infinix, itel, and Tecno to Launch Smartphone BNPL Plans in Pakistan
- Strategic Partnership: Daira has formed a strategic alliance with Infinix, itel, and Tecno Mobile Pakistan to introduce Buy Now, Pay Later (BNPL) plans, enabling consumers to purchase smartphones flexibly, significantly lowering the upfront costs of device ownership and promoting access to essential digital tools.
- Digital Transformation Opportunity: This initiative comes at a critical juncture in Pakistan's digital transformation, where nearly half of mobile users still rely on feature phones, making smartphone affordability a key barrier to broader digital participation, aligning with the government's vision for digital inclusion.
- User Growth: Since its launch in October 2024, Daira has registered over 1.5 million users and disbursed more than PKR 3 billion in loans by January 2026, demonstrating strong market traction and user trust.
- Policy Support: Daira's BNPL model directly supports the national agenda for digital inclusion, fostering greater access to digital services and empowering users to engage more fully in the digital economy, in line with the Ministry of IT and Telecommunication's
Palo Alto, Vizsla Silver, NetEase, and Other Major Stocks Decline in Thursday's Pre-Market Trading
U.S. Stock Futures: U.S. stock futures rose this morning, with Nasdaq futures increasing by approximately 300 points on Thursday.
Palo Alto Networks Performance: Palo Alto Networks reported strong first-quarter results for fiscal 2026, with revenue of $2.47 billion and adjusted earnings of 93 cents per share, both exceeding analyst expectations, despite a 4.6% drop in pre-market trading.
Other Stocks Declining: Several stocks experienced declines in pre-market trading, including WeShop Holdings Limited, which fell 38.8%, and Vizsla Silver Corp, which dropped 12.6% after announcing a convertible senior notes offering.
Market Reactions: Other notable declines included FinVolution Group down 5.6%, Kyverna Therapeutics down 5.1%, and NetEase Inc down 3.2%, reflecting a mixed market sentiment following various earnings reports.
Nvidia Shares Rise Over 5%; Check Out 20 Stocks Making Moves in Premarket Trading
NVIDIA's Strong Performance: NVIDIA Corp's shares rose 5.2% in pre-market trading after reporting a 62% year-over-year revenue increase to $57.0 billion for Q3, surpassing expectations with a strong revenue forecast for the current quarter.
Notable Gainers: Several stocks saw significant pre-market gains, including Sonder Holdings Inc (+138.8%), Inspire Veterinary Partners Inc (+60.3%), and Cerence Inc (+29.2%), following positive financial results or forecasts.
Major Losers: WeShop Holdings Limited experienced a sharp decline of 38.8% in pre-market trading after a previous surge, while other notable losers included Brera Holdings PLC (-35.5%) and Meihua International Medical Tech Co Ltd (-23.8%).
Market Overview: The pre-market trading session showed a mix of gains and losses across various stocks, with some companies reporting better-than-expected financial results while others faced significant declines.
FinVolution Group Enters Oversold Territory (FINV)
FinVolution Group's Stock Performance: On Wednesday, FinVolution Group (FINV) shares reached an RSI of 29.8, indicating they are in oversold territory, with a trading price as low as $5.53 per share.
Comparison with S&P 500 ETF: The current RSI for the S&P 500 ETF (SPY) is 41.4, suggesting that FINV's recent heavy selling may be nearing exhaustion, potentially signaling a buying opportunity for investors.
52-Week Range Analysis: FINV's 52-week low is $5.46 and the high is $11.08, with the last trade recorded at $5.50, indicating a significant drop from its peak.
Author's Disclaimer: The opinions expressed in the article are those of the author and do not necessarily reflect the views of Nasdaq, Inc.
FinVolution Group Reports Non-GAAP EPADS of $0.34 and Revenue of $489.76 Million
Q3 Financial Performance: FinVolution Group reported a Q3 Non-GAAP EPADS of $0.34 and revenue of $489.76 million, reflecting a year-over-year increase of 4.9%.
2025 Revenue Guidance: The company anticipates its full-year 2025 total revenue to be between RMB13.1 billion and RMB13.7 billion, indicating a projected growth of 0% to 5% year-over-year.
Investment Insights: Analysts suggest that both FinVolution and Qfin are undervalued, with Qfin presenting a larger margin of safety for investors.
Risk and Opportunity: FinVolution is characterized as a high-risk, high-reward investment, offering potential asymmetric upside for those seeking international exposure.
Benzinga Unveils Top Ten International Value Stocks for 2026
- Global Value Investment Opportunities: The Benzinga Value Ranking system identifies the top ten non-U.S. value stocks by integrating multiple valuation metrics, assisting investors in finding margin of safety and upside potential in a mispriced market.
- Valuation Dispersion Phenomenon: Outside the U.S., many profitable and asset-rich companies are overlooked, trading at single-digit earnings multiples, highlighting extreme valuation dispersion that presents potential investment opportunities.
- Risk Management Advantage: By focusing on the top decile of the Benzinga Value Ranking, investors can access the cheapest segment of the global market, thereby reducing risk as these stocks typically come with lower expectations.
- Long-Term Growth Potential: As we approach 2026, the Benzinga Value Ranking provides a systematic approach to uncover overlooked global stocks, which, while not guaranteed winners, offer limited downside risk and significant upside potential.
Daira Partners with Infinix, itel, and Tecno to Launch Smartphone BNPL Plans in Pakistan
- Strategic Partnership: Daira has formed a strategic alliance with Infinix, itel, and Tecno Mobile Pakistan to introduce Buy Now, Pay Later (BNPL) plans, enabling consumers to purchase smartphones flexibly, significantly lowering the upfront costs of device ownership and promoting access to essential digital tools.
- Digital Transformation Opportunity: This initiative comes at a critical juncture in Pakistan's digital transformation, where nearly half of mobile users still rely on feature phones, making smartphone affordability a key barrier to broader digital participation, aligning with the government's vision for digital inclusion.
- User Growth: Since its launch in October 2024, Daira has registered over 1.5 million users and disbursed more than PKR 3 billion in loans by January 2026, demonstrating strong market traction and user trust.
- Policy Support: Daira's BNPL model directly supports the national agenda for digital inclusion, fostering greater access to digital services and empowering users to engage more fully in the digital economy, in line with the Ministry of IT and Telecommunication's
Palo Alto, Vizsla Silver, NetEase, and Other Major Stocks Decline in Thursday's Pre-Market Trading
U.S. Stock Futures: U.S. stock futures rose this morning, with Nasdaq futures increasing by approximately 300 points on Thursday.
Palo Alto Networks Performance: Palo Alto Networks reported strong first-quarter results for fiscal 2026, with revenue of $2.47 billion and adjusted earnings of 93 cents per share, both exceeding analyst expectations, despite a 4.6% drop in pre-market trading.
Other Stocks Declining: Several stocks experienced declines in pre-market trading, including WeShop Holdings Limited, which fell 38.8%, and Vizsla Silver Corp, which dropped 12.6% after announcing a convertible senior notes offering.
Market Reactions: Other notable declines included FinVolution Group down 5.6%, Kyverna Therapeutics down 5.1%, and NetEase Inc down 3.2%, reflecting a mixed market sentiment following various earnings reports.
Nvidia Shares Rise Over 5%; Check Out 20 Stocks Making Moves in Premarket Trading
NVIDIA's Strong Performance: NVIDIA Corp's shares rose 5.2% in pre-market trading after reporting a 62% year-over-year revenue increase to $57.0 billion for Q3, surpassing expectations with a strong revenue forecast for the current quarter.
Notable Gainers: Several stocks saw significant pre-market gains, including Sonder Holdings Inc (+138.8%), Inspire Veterinary Partners Inc (+60.3%), and Cerence Inc (+29.2%), following positive financial results or forecasts.
Major Losers: WeShop Holdings Limited experienced a sharp decline of 38.8% in pre-market trading after a previous surge, while other notable losers included Brera Holdings PLC (-35.5%) and Meihua International Medical Tech Co Ltd (-23.8%).
Market Overview: The pre-market trading session showed a mix of gains and losses across various stocks, with some companies reporting better-than-expected financial results while others faced significant declines.
FinVolution Group Enters Oversold Territory (FINV)
FinVolution Group's Stock Performance: On Wednesday, FinVolution Group (FINV) shares reached an RSI of 29.8, indicating they are in oversold territory, with a trading price as low as $5.53 per share.
Comparison with S&P 500 ETF: The current RSI for the S&P 500 ETF (SPY) is 41.4, suggesting that FINV's recent heavy selling may be nearing exhaustion, potentially signaling a buying opportunity for investors.
52-Week Range Analysis: FINV's 52-week low is $5.46 and the high is $11.08, with the last trade recorded at $5.50, indicating a significant drop from its peak.
Author's Disclaimer: The opinions expressed in the article are those of the author and do not necessarily reflect the views of Nasdaq, Inc.
FinVolution Group Reports Non-GAAP EPADS of $0.34 and Revenue of $489.76 Million
Q3 Financial Performance: FinVolution Group reported a Q3 Non-GAAP EPADS of $0.34 and revenue of $489.76 million, reflecting a year-over-year increase of 4.9%.
2025 Revenue Guidance: The company anticipates its full-year 2025 total revenue to be between RMB13.1 billion and RMB13.7 billion, indicating a projected growth of 0% to 5% year-over-year.
Investment Insights: Analysts suggest that both FinVolution and Qfin are undervalued, with Qfin presenting a larger margin of safety for investors.
Risk and Opportunity: FinVolution is characterized as a high-risk, high-reward investment, offering potential asymmetric upside for those seeking international exposure.
