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FinVolution Group

FINV Clue Score54
Cayman Islands Fiscal year ends December CIK 0001691445
$3.06 -2.55% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $3.06 −49.34% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 10 Nov 2017. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue1.21Net income0.50EPS, diluted−0.09Fiscal year 2017Revenue3.90 +222.3%Net income1.08 +116.0%EPS, diluted−2.55Fiscal year 2018Revenue4.22 +8.3%Net income2.47 +128.0%EPS, diluted1.54Fiscal year 2019Net income2.37 −3.9%EPS, diluted1.53Fiscal year 2020Net income1.97 −16.9%EPS, diluted1.32Fiscal year 2021Revenue9.47Net income2.51 +27.2%EPS, diluted1.69Fiscal year 2022Revenue11.13 +17.6%Net income2.27 −9.7%EPS, diluted1.56Fiscal year 2023Revenue12.55 +12.7%Net income2.34 +3.3%EPS, diluted1.67Fiscal year 2024Revenue13.07 +4.1%Net income2.38 +1.8%EPS, diluted1.81Fiscal year 2025Revenue13.57 +3.9%Net income2.54 +6.7%EPS, diluted1.92
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 1.21 3.90 4.22 n/a n/a 9.47 11.13 12.55 13.07 13.57
Growth +222.3% +8.3% +17.6% +12.7% +4.1% +3.9%
Net income 0.50 1.08 2.47 2.37 1.97 2.51 2.27 2.34 2.38 2.54
Growth +116.0% +128.0% −3.9% −16.9% +27.2% −9.7% +3.3% +1.8% +6.7%
EPS, diluted −0.09 −2.55 1.54 1.53 1.32 1.69 1.56 1.67 1.81 1.92

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin41.5%Free cash flow margin87.6%Fiscal year 2017Net margin27.8%Free cash flow margin85.2%Fiscal year 2018Net margin58.5%Free cash flow margin42.7%Fiscal year 2019Fiscal year 2020Fiscal year 2021Net margin26.5%Free cash flow margin6.1%Fiscal year 2022Net margin20.4%Free cash flow margin1.7%Fiscal year 2023Net margin18.7%Free cash flow margin6.6%Fiscal year 2024Net margin18.2%Free cash flow margin21.9%Fiscal year 2025Net margin18.7%Free cash flow margin13.1%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 41.5% 27.8% 58.5% n/a n/a 26.5% 20.4% 18.7% 18.2% 18.7%
Free cash flow margin 87.6% 85.2% 42.7% n/a n/a 6.1% 1.7% 6.6% 21.9% 13.1%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow1.09Capital expenditure−0.03Free cash flow1.06Fiscal year 2017Operating cash flow3.41Capital expenditure−0.09Free cash flow3.32 +213.5%Fiscal year 2018Operating cash flow1.88Capital expenditure−0.08Free cash flow1.80 −45.7%Buybacks−0.45Fiscal year 2019Operating cash flow−0.22Capital expenditure−0.05Free cash flow−0.26 −114.7%Buybacks−0.04Dividends paid−0.39Fiscal year 2020Operating cash flow2.21Capital expenditure−0.01Free cash flow2.20Buybacks−0.38Dividends paid−0.26Fiscal year 2021Operating cash flow0.63Capital expenditure−0.06Free cash flow0.57 −73.8%Buybacks−0.03Dividends paid−0.32Fiscal year 2022Operating cash flow0.24Capital expenditure−0.05Free cash flow0.18 −68.0%Buybacks−0.34Dividends paid−0.37Fiscal year 2023Operating cash flow1.36Capital expenditure−0.54Free cash flow0.82 +346.8%Buybacks−0.69Dividends paid−0.43Fiscal year 2024Operating cash flow2.89Capital expenditure−0.03Free cash flow2.87 +248.3%Buybacks−0.64Dividends paid−0.44Fiscal year 2025Operating cash flow1.87Capital expenditure−0.08Free cash flow1.78 −37.8%Buybacks−0.77Dividends paid−0.51
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 1.09 3.41 1.88 −0.22 2.21 0.63 0.24 1.36 2.89 1.87
Capital expenditure −0.03 −0.09 −0.08 −0.05 −0.01 −0.06 −0.05 −0.54 −0.03 −0.08
Free cash flow 1.06 3.32 1.80 −0.26 2.20 0.57 0.18 0.82 2.87 1.78
Growth +213.5% −45.7% −114.7% −73.8% −68.0% +346.8% +248.3% −37.8%
Buybacks n/a n/a −0.45 −0.04 −0.38 −0.03 −0.34 −0.69 −0.64 −0.77
Dividends paid n/a n/a n/a −0.39 −0.26 −0.32 −0.37 −0.43 −0.44 −0.51

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.40Shareholders’ equity−0.44Fiscal year 2017Cash1.89Shareholders’ equity3.62Fiscal year 2018Cash1.62Shareholders’ equity5.92Fiscal year 2019Cash2.32Shareholders’ equity7.95Fiscal year 2020Cash2.63Shareholders’ equity8.36Fiscal year 2021Cash4.42Shareholders’ equity10.66Fiscal year 2022Cash3.64Shareholders’ equity12.37Fiscal year 2023Cash4.97Shareholders’ equity13.75Fiscal year 2024Cash4.67Shareholders’ equity15.20Fiscal year 2025Cash4.29Total debt0.09Net cash (debt)4.20Shareholders’ equity16.55Debt to equity0.01
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.40 1.89 1.62 2.32 2.63 4.42 3.64 4.97 4.67 4.29
Total debt n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.09
Net cash (debt) n/a n/a n/a n/a n/a n/a n/a n/a n/a 4.20
Shareholders’ equity −0.44 3.62 5.92 7.95 8.36 10.66 12.37 13.75 15.20 16.55
Debt to equity n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.01

In billions of CNY, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
45.5% 34.8% 62.1% n/a n/a 28.9% 24.6% 22.1% 21.8% 22.9%
41.5% 27.8% 58.5% n/a n/a 26.5% 20.4% 18.7% 18.2% 18.7%
87.6% 85.2% 42.7% n/a n/a 6.1% 1.7% 6.6% 21.9% 13.1%
Spending
n/a 4.2% 7.5% n/a n/a 4.6% 4.4% 4.1% 3.8% 4.0%
19.7% 10.9% 9.1% n/a n/a 5.5% 3.6% 3.1% 3.2% 3.3%
2.5% 2.3% 2.0% n/a n/a 0.6% 0.5% 4.3% 0.2% 0.6%
8.8% 20.2% 5.8% 16.9% 18.8% 8.8% 16.6% 14.2% 16.1% 17.9%
Returns
n/a 29.9% 41.7% 29.9% 23.6% 23.5% 18.3% 17.0% 15.7% 15.4%
23.4% 12.6% 18.8% 13.0% 13.3% 13.8% 10.6% 11.0% 10.1% 10.0%
Balance and payout
n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.01
64.0% 57.2% 54.5% 56.2% 43.4% 41.0% 41.8% 34.9% 34.1% 33.7%
n/a n/a n/a 16.5% 13.4% 12.7% 16.4% 18.4% 18.5% 20.1%
n/a n/a 25.1% n/a 29.3% 59.8% 387.3% 136.7% 37.8% 71.6%

Shown in CNY as filed; the screener converts to dollars.