FinVolution Group · NYSE:FINV
FinVolution — Investor Presentation (March 2026)
22 slides from FinVolution's investor presentation, March 2026
Slide 1: FinVolution Group Investor Presentation
March 2026 FinVolution Group Investor Presentation
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: Better Finance, with Technology
Better Finance, with Technology 3
Slide 4: Local Excellence, Global Outlook
Local Excellence, Global Outlook 2007 2018 2020 Top 3 (1) Top 2 (1) Top 1 (1) 3.4 mn Cumulative RMB 1.5 bn borrowers Loan balance as of 4Q25 RMB 10.2 bn as of 4Q25 82% Net revenue in 2025 CAGR2021-2025 50% CAGR2021-2025 4% CAGR2021-2025 Transaction Volume Outstanding Loan Balance RMB/bn RMB/bn 194.3
Slide 5: Building a Regional Platform…
Building a Regional Platform… High Potential AI Technology Pipelines for the Next Batch of Exponential Upside Optionality Growth Markets New Country Incubation 2025 Expanding Unique Users 38% Visible Profit Driver CAGR2021-2025 Growth Market Near-term Superior Volume Growth 39% CAGR2021-2025 2018 Sc
Slide 6: … with Clear Growth Matrix
… with Clear Growth Matrix Cash Loan Scenario-based Credit Innovative Credit Products Product Higher New Product Expansion Initiatives ARPU Offline Online BNPL Near-Prime Prime Higher Customer Broader User Base Transaction Upgrade Niche Target Customer Base Volume Larger Ticket Size Mature Market Gr
Slide 7: "LEGO+" Strategy: Entering Developed Market
“LEGO+” Strategy: Entering Developed Market Overseas Overseas Developing Market 1.0 Our Experience in China Has Evolved… 2.0 Developed Market China Before 2020 China Now Growth Growth Economy Moderate Stable Emerging Emerging Regulation Maturing Advanced Consumer Protection Low Low Credit Penetratio
Slide 8: Platform of Capability
Platform of Capability Developed Market’s High Entry Barrier License Rich Regulatory Experience: Online and Offline licenses in Multiple Countries Reputation & Trust Market leader trusted by 100+ financial institutions and 41M users in APAC Capital Listed platform with Robust Balance Sheet to fund e
Slide 9: Entering Australia: Fundo Acquisition
Entering Australia: Fundo Acquisition ACL Licensed Australian Credit License Online Consumer Credit Product Offering Near-prime Focused Borrower Cohort (1) Fundo Loans Pty Ltd, an Australian financial services company, was acquired by FINV in October 2025. 9
Slide 10: Replicable Operating System
Replicable Operating System Extensive Partner Diversified User Network Efficient Coveted Acquisition Operation Sophisticated Risk Products 100+ Assessment institutional funding Sharing operation partners across excellence across Proven risk multiple markets multiple markets management across cycle a
Slide 11: Customer Acquisition Know-how
Customer Acquisition Know-how International China Market Markets Traffic Expanding 6.7M 77% Platforms User Base New Borrowers in 2025 YoY Search Engines Federated Learning- Based Joint Modeling Highly- 99% <1 min Automated Loan automation in China Approval Time Leading internet and Embedded Top e-co
Slide 12: Cycle-Tested Risk Management
Cycle-Tested Risk Management Resilient Risk Performance across Multiple Cycles M1+ Delinquency Rates by Vintage(3) 20% 100% 18% 95% 16% 90% 14% 85% 86% 12% 80% 10% 75% 8% 70% 6% 5.5% 65% 4% 60% 2% 55% 0% 50% 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 Day 1 Delinquency Rate (1) 30 Da
Slide 13: Consistent Shareholder Return
Consistent Shareholder Return Total Value Returned to Shareholders (Approx.) US$/million Dividend Repurchase Total Payout Ratio (1) Dividend per ADS 80.0% 300.0 Record High Quarterly Buyback (3) 50% 60.0% 49% 49% 250.0 34% 40.0% US$ 40.7mn US$ 107.2mn 0.306 4Q25 Share 2025 Share 16% 0.277 20.0% Repu
Slide 14: Leadership Team with Track Record
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) Yuxi
Slide 15: Operational & Financial Metrics
Operational & Financial Metrics
Slide 16: 2025: Progress with Balance
2025: Progress with Balance Accelerated International Expansion moderated by China Regulatory Transition 6.7M 77% New Borrowers YoY User Base 10.5M 51% Unique Borrowers YoY RMB 200.3B -3% Transaction Volume YoY Transaction Momentum RMB 70.9B -1% Loan Balance YoY RMB 13.6B 4% Net Revenue YoY Financia
Slide 17: International Market as source of Growth and Diversification
International Market as source of Growth and Diversification 16 Core Growth Driver Diversified Exposure Net Revenue (RMB/billion) 14 12 3.3 Revenue Contribution from 2.5 2.1 International Markets 1.1 10 0.8 41% 8 25% CAGR 19% 6 17% 10.4 10.5 10.2 10.0 4% 10% 8.6 9% CAGR 4 2 2021 2022 2023 2024 2025
Slide 18: 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 YoY -5% YoY +39% 196.1 186.4 186.3 14.0 171.1 133.6 10.1 7.9 4.3 3.7 0 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 (1) Tr
Slide 19: 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 -2% YoY +53% 2.6 66.1 69.8 68.3 3 63.8 2 50.0 1.7 2 1.3 1 0.8 1 0.3 0 2021 2022 2023 2024 2025 2021 20
Slide 20: Expanding User Base
Expanding User Base Onboarding more Borrowers in China Growth in International Borrower base Accelerated Unique Borrowers(1) Unique Borrowers(1) RMB million RMB million YoY +108% 7 7 5.9 YoY +12% 6 6 5.6 5 4.7 4.6 5 4.4 4.1 4 4 3 3 2.9 1.9 1.7 2 1.6 2 1 1 0 0 2021 2022 2023 2024 2025 2021 2022 2023
Slide 21: Robust Revenue and Profitability
Robust Revenue and Profitability Net Revenue Non-GAAP Net Profit(1) RMB billion RMB billion YoY +4% YoY +6% 3.000 13.6 2.7 13.1 2.6 12.5 2.500 2.5 2.5 2.4 11.1 9.5 2.000 1.500 1.000 0.500 0.000 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 (1) Non-GAAP net profit is adjusted to exclude share-bas
Slide 22: Thank You
Thank You https://ir.finvgroup.com/ ir@xinye.com
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