FinVolution Group · NYSE:FINV
FinVolution — Q3 2025 Earnings Presentation
26 slides from FinVolution's earnings presentation, November 2025
Slide 1: FinVolution Group Investor Presentation
FinVolution Group Investor Presentation November 2025
Slide 2: Disclaimer
Disclaimer This presentation has been prepared by FinVolution Group (the “Company”) pursuant to Section 5(d) the truth, accuracy, fairness, completeness or reasonableness of the information contained in, and of the U.S. Securities Act of 1933, as amended (the “Securities Act”) solely for information
Slide 3: Value Creation Through Long-termism
Value Creation Through Long-termism Vision Mission Values Be the Most Popular and Trusted Better Finance, with Technology Customer-Centric Fintech Group Simple & Reliable Excellence-Driven Collaborative Success 3
Slide 4: Local Excellence, Global Outlook
Local Excellence, Global Outlook 2007 2018 2020 CHINA INDONESIA THE PHILIPPINES 3.1 mn Cumulative RMB 1.4 bn borrowers Loan balance as of 3Q25 RMB 2.6 bn as of 3Q25 118% Net revenue in 3Q25 CAGR2020-2024 63% CAGR2020-2024 10% CAGR2020-2024 Broad Resilience in Transaction Volume Solid Growth in Outst
Slide 5: Consumer Lending Made Simple
Consumer Lending Made Simple Simplicity: fully online process apply anywhere & anytime Customer acquisition Connecting Connecting Borrowers Financial Institutions 38M 100+ Cumulative Borrowers Funding Partners in China and Overseas Accessible credit: funding for Individual borrowers Commercial banks
Slide 6: FinVolution is a Digital Credit Platform Offering…
FinVolution is a Digital Credit Platform Offering… 01 Resilience across Cycles 02 Growth and Diversification 03 Replicable Success 04 Validated Credit Expertise 05 Technology Enabled Business 06 Leadership with Track Record 6
Slide 7: Track Record of Resilience through Uncertainties
01 Track Record of Resilience through Uncertainties Steady Growth Trajectory since transition to loan facilitation in 2021 Chart Title RMB/billion Transaction Volume Outstanding Loan Balance Net Revenue China Market Transition to Loan Indonesia Interest Rate Adjustment Global COVID-19 Indonesia Inte
Slide 8: International Expansion delivering Growth and Diversification
02 International Expansion delivering Growth and Diversification Core Growth Driver Diversified Country Exposure Net revenue (RMB/billion) 16 25.0% 24% 22.3% 20.4% 12 2.5 2.1 19.4% 1.1 International Expansion 17.0% 0.8 16% 8 0.3 10.3% 10.5 8.9% 10.0 10.4 8.6 8% 4 7.3 3.7% 0 0% 2020 2021 2022 2023 20
Slide 9: China Experience Driving International Success
02 China Experience Driving International Success China’s Fintech is in a More Advanced stage Why FinVolution? Decades of experience in China gives us deep insight into current status of international markets 20% Outstanding Household Consumption Loans(1) in China: % of GDP 18-Year history successfu
Slide 10: Our Opportunities are There
02 Our Opportunities are There Our Total Addressable Market Where We Are Today 620 million Addressable 38 million Population cumulative borrowers (Chia430M(1) + Ines140M(2) + ppin50M(2)) （as of 3Q25） US$3.6 trillion US$10.8 billion Market Size (loan book balance) outstanding loan balance ( $3.5T(1)
Slide 11: Replicable Success Supported by Well-Established Ecosystem
03 Replicable Success Supported by Well-Established Ecosystem Replicable Success Playbook (2007) --> (2018) --> (2020) --> More… Cumulative 14% Transaction 33% Net Revenue 15% Borrowers CAGR2020-2024 Volume CAGR2020-2024 CAGR2020-2024 Extensive Partner Diversified User Network Efficient Coveted Acqu
Slide 12: Coveted and Digital-First Offerings
03 Coveted and Digital-First Offerings China Market Indonesia Market Philippines Market Global Markets Top Player Top 3 Top 1 Intelligent Voice Service End-to-end Text-To-Speech (TTS) and Generic Large Language Model (LLM) 5 languages: Chinese, English, Bahasa, Tagalog and Spanish Intent recognition
Slide 13: Customer Acquisition Know-how
03 Customer Acquisition Know-how International China Market Markets Traffic Expanding 1.8M 67% Platforms User Base New Borrowers YoY Search Engines Federated Learning- Based Joint Modeling Highly- 99% <1 min Automated Loan automation in China Approval Time Leading internet and Top e-commerce API loc
Slide 14: Risk Management Capabilities Automated by AI
ibdroot\projects\IBD-HK\firepower2024\938153_1\2. Presentation\! Investor Presentation\Firepower Investor Presentation_20250620_vF.pptx 04 Risk Management Capabilities Automated by AI 3. Post-facilitation Monitoring 1. Automated Fraud Detection 2. Credit Scoring and Assessment and Loan Collection 2,
Slide 15: Validated Credit Risk Management
04 Validated Credit Risk Management Resilient Risk Performance across Multiple Cycles M1+ Delinquency Rates by Vintage(3) 15% 100% 95% 13% 90% 11% 88% 85% 9% 80% 75% 7% 5.0% 70% 5% 65% 3% 60% 1% 55% 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Day 1 Delinquency Rate (1) 30 Day Collection R
Slide 16: Automating our Operations with Technology
05 Automating our Operations with Technology Customer 50% AI-generated marketing materials Octopus Platform Acquisition 60% reduction in advertising production cost Cyberspace Administration of China Intelligent Rice-Seed LLM registration (Generative AI) Operation Customer Service 95%+ Intention rec
Slide 17: Leadership Team with Track Record
06 Leadership Team with Track Record Awards Recognition Tiezheng LI Shaofeng GU Chief Executive Officer Chief Innovation Officer Co-founder Co-founder Vice Chairman Chairman ◼ Education: ◼ Education: ▪ Most Innovative Use of Technology (Mainland China) ▪ Best Strategic Initiative (the Philippines) Y
Slide 18: Consistent Shareholder Returns
06 Consistent Shareholder Returns Dividend per ADS Cumulative Value Returned to Shareholders (Approx.) US$ Dividend Repurchase Cumulative Share Count Reduction % US$/million 1400 50.0% CAGR2019-2024(1): 18% Total Payout Ratio in 2024: 49%+ 0.277 1200 36% 40.0% 33% 0.237 1000 26% 30.0% 0.205 0.215 83
Slide 19: Operational & Financial Metrics
Operational & Financial Metrics
Slide 20: Q3 2025 Key Summary: Managing Growth with Risk Discipline
Q3 2025 Key Summary: Managing Growth with Risk Discipline 1.8M 67% New Borrowers YoY User Base 5.0M 47% Unique Borrowers YoY RMB 51.2B -2% Transaction Volume YoY Transaction Momentum RMB 77.1B 13% Loan Balance YoY RMB 3,487M 6% Net Revenue YoY Financial Return RMB 641M 3% Net Profit YoY (1) All figu
Slide 21: International Markets Driving Overall Growth
International Markets Driving Overall Growth Transaction Volume Transaction Volume in China Market(1) Transaction Volume in International Markets(1) RMB billion RMB billion Revenue contribution from international markets 25.0% 22.3% 21.4% 54.0 YoY -4% 20.4% 50.8 19.4% YoY +33% 49.5 49.1 47.6 3.6 3.2
Slide 22: International Markets Driving Overall Growth
International Markets Driving Overall Growth Outstanding Loan Balance Outstanding Loan Balance of China Business(1) Outstanding Loan Balance of International Business(2) RMB billion RMB billion YoY +13% YoY +44% 75.4 74.8 2.3 72.2 69.8 66.5 2.1 2 1.9 1.7 1.6 2 1 1 0 3Q24 4Q24 1Q25 2Q25 3Q25 3Q24 4Q2
Slide 23: Expanding User Base
Expanding User Base Stable User Base in China(1) Fast-Growing New Borrower Base in International Markets(2) RMB billion Transaction volume from repeat borrowers in China RMB million Transaction volume from new borrowers in international markets % of transaction volume generated from repeat borrowers
Slide 24: Robust Revenue and Profitability
Robust Revenue and Profitability Net Revenue Non-GAAP Net Profit(1) RMB million RMB million Non-GAAP net margin YoY +6% 20.3% 20.7% 22.2% 22.1% 19.5% 20% 800.0 YoY +2% 0% 700.0 600.0 -20% 500.0 3,578 3,276 3,457 3,481 3,487 791 -40% 772 400.0 715 300.0 664 679 -60% 200.0 -80% 100.0 - -100% 3Q24 4Q24
Slide 25: Strong Balance Sheet and Capital Reserve to Support Long-termism
Strong Balance Sheet and Capital Reserve to Support Long-termism Leverage Ratio(1) Short-term Liquidity(2) RMB billion 3.2x 9.0 3.0x 8.5 7.9 2.7x 7.5 2.6x 7.0 2.4x 3Q24 4Q24 1Q25 2Q25 3Q25 3Q24 4Q24 1Q25 2Q25 3Q25 (1) Leverage ratio = Risk-bearing outstanding loan balance / net assets. (2) Short-ter
Slide 26: Thank You
Thank You https://ir.finvgroup.com/ ir@xinye.com