FinVolution Group (ADR)
Facilitates consumer loans by linking younger borrowers with financial institutions.
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Profile
Facilitates consumer loans by connecting younger borrowers with financial institutions through an automated process. Credit-risk assessment, fraud detection, big-data analysis and AI support the platform across China and international markets.
Connecting younger-generation borrowers with financial institutions, the platform facilitates consumer loans through an automated transaction process. Credit-risk assessment, fraud detection, big-data analysis and AI support underwriting and matching.
Operations began in China and now extend to international markets, with profitable operations reported in Indonesia and the Philippines. The company shifted from an online marketplace funded mainly by individuals to a model funded through institutional partners. It remains a credit facilitator rather than a bank balance-sheet lender. Its business operates within the regulatory framework for China's online-lending intermediaries and depends on relationships with those funding institutions.
Company facts
Categories
Key statistics
Year to date −35.0% · Average volume (30d) 644.6K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 28, 2026 | Citigroup | Downgrade | Buy | Neutral | ||
| Aug 28, 2026 | Jefferies | Reiterate | Buy | $6.20 | $4.70 | |
| May 23, 2025 | UBS | Upgrade | Neutral | Buy | ||
| Mar 20, 2025 | UBS | Downgrade | Buy | Neutral | ||
| Mar 18, 2025 | Citigroup | Upgrade | Neutral | Buy |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 27, 2026Q2 FY26 | — | $0.29 | — | $499.9M | $500.9M | +0.2% | −15.42% |
| May 25, 2026Q1 FY26 | $0.23 | $0.26 | +11.4% | $438.7M | $465.2M | +6.0% | +10.24% |
| Mar 16, 2026Q4 FY25 | $0.23 | $0.25 | +8.6% | $440.0M | $432.3M | −1.8% | +12.57% |
| Nov 19, 2025Q3 FY25 | $0.36 | $0.34 | −5.4% | $510.2M | $489.7M | −4.0% | −13.90% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $518.0M | $532.4M | $518.8M | $443.7M | $474.7M | $504.9M | |
| Gross profit | $425.6M | $432.0M | $406.0M | $319.4M | $362.0M | $393.2M | |
| Operating income | $131.4M | $121.3M | $108.9M | $70.8M | $78.3M | $85.0M | |
| Net income | $111.1M | $111.1M | $92.9M | $62.3M | $61.4M | $65.5M | |
| Diluted EPS | $0.42 | $0.42 | $0.34 | $0.24 | $0.25 | $0.26 | |
| Gross margin | 82.2% | 81.1% | 78.3% | 72.0% | 76.3% | 77.9% | |
| Operating margin | 25.4% | 22.8% | 21.0% | 16.0% | 16.5% | 16.8% |
Fiscal years (4-quarter sums)FY21 $1.41B · FY22 $1.66B · FY23 $1.87B · FY24 $1.94B · FY25 $2.01B
Revenue by product · FY25
Revenue by geography · FY25
Balance sheet, Jun 30, 2026Cash & short-term investments $1.20B · Total debt $234.4M · Total assets $3.88B · Shareholders' equity $2.48B
Dividends
Raised for 5 straight years — most recently to $0.306 from $0.277 in Apr 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Apr 16, 2026 | Apr 16 | May 7 | $0.306 | raised from $0.277 |
| Apr 16, 2025 | Apr 16 | May 7 | $0.277 | raised from $0.237 |
| Apr 15, 2024 | Apr 16 | May 7 | $0.237 | raised from $0.215 |
| Apr 12, 2023 | Apr 13 | May 5 | $0.215 | raised from $0.205 split-adjusted |
| Apr 12, 2022 | Apr 13 | May 6 | $0.185 |
Ownership
Shares outstanding 248.40M · Float 110.86M · 44.6% free float
Insiders — filings are in the shares behind the receipt.
This listing is a depositary receipt and the Form 4 positions here are filed in the shares behind it, a different unit from the share count and in a ratio the filings never state, so no insider percentage is shown.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| PPD Investment Limited | 429.77M | 35.30% | 13D | Jan 12, 2026 |
| Susquehanna Fundamental Investments, LLC | 82.66M | 11.30% | 13G | Feb 13, 2025 |
| Sun Hung Kai & Co. Limited | 38.88M | 5.60% | 13G | May 8, 2025 |
| Susquehanna International Group, LLP | 16.49M | 6.64% | 13F | May 15, 2026 |
| Invesco Ltd. | 4.97M | 2.00% | 13F | May 12, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 28, 2026 | Bing Xiang | director | −75,000 | $1.07 |
Peers
- Qfin (ADR)
AI credit-tech platform serving consumers and financial institutions
- LexinFintech (ADR)
Personal-finance enabler linking young consumers and institutions
- Yiren Digital (ADR)
Digital consumer-lending platform backed mainly by institutions
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| FinVolution Group (ADR) | $3.46 | +1.91% | $844.5M | 3.1 | — | 0.4 | +0.4% |
| Qfin (ADR) | $8.78 | −0.31% | $1.15B | 1.3 | 3.0 | 0.5 | −13.0% |
| LexinFintech (ADR) | $1.18 | +0.43% | $199.0M | 1.0 | — | 0.1 | +12.5% |
| Yiren Digital (ADR) | $1.09 | +3.81% | $91.3M | — | 1.4 | 0.1 | −32.0% |
| Median | 1.1 | 2.2 | 0.1 | −13.0% |