FinVolution Group (FINV) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 | Q1'21 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 2.15B | 2.73B | 2.9B | 2.86B | 2.73B | 2.67B | 2.34B | 2.63B | 2.66B | 2.68B | 2.56B | 2.54B | 2.53B | 2.48B | 2.14B | 1.95B | 1.93B | 2.07B | 1.93B | 1.7B |
| Gross Margin % | 71.98% | 78.26% | 81.15% | 82.18% | 78.93% | 81.59% | 73.77% | 82.95% | 81.19% | 83.74% | 83.22% | 83.2% | 83.07% | 83.34% | 80.13% | 79.66% | 78.99% | 81.8% | 80.92% | 80.45% |
| Gross Profit Growth % | -21.33% | 2.09% | 24.23% | 8.95% | 2.55% | -0.17% | -8.7% | 3.44% | 5% | 8.12% | 19.82% | 30.23% | 31.03% | 19.89% | 10.74% | 14.66% | 39.31% | 42.02% | 25.42% | -8.45% |
| Operating Expenses | 1.67B | 2B | 2.09B | 1.98B | 1.94B | 2.11B | 1.78B | 2B | 2.15B | 2.12B | 1.98B | 1.8B | 1.92B | 1.82B | 1.48B | 1.37B | 1.41B | 1.34B | 1.22B | 1.04B |
| OpEx % of Revenue | 56.02% | 57.27% | 58.35% | 56.8% | 56.14% | 64.49% | 56.14% | 63.1% | 65.54% | 66.43% | 64.51% | 58.87% | 62.85% | 61.13% | 55.5% | 55.87% | 57.6% | 52.9% | 51.36% | 49.42% |
| Selling, General & Admin | 0 | 652.55M | 716.64M | 636.6M | 644.1M | 676.98M | 575.19M | 531.54M | 606.59M | 628.75M | 559.6M | 482.52M | 605.09M | 635.58M | 422.96M | 423.12M | 545.63M | 510.69M | 599.32M | 446.84M |
| SG&A % of Revenue | - | 18.72% | 20.03% | 18.29% | 18.63% | 20.66% | 18.16% | 16.79% | 18.51% | 19.66% | 18.19% | 15.82% | 19.84% | 21.39% | 15.86% | 17.29% | 22.29% | 20.22% | 25.14% | 21.15% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 475.99M | 731.93M | 815.52M | 883.19M | 787.92M | 560.23M | 558.53M | 628.45M | 512.77M | 553.39M | 575.45M | 742.28M | 616.77M | 659.84M | 656.69M | 582.04M | 523.51M | 729.85M | 704.68M | 655.73M |
| Operating Margin % | 15.96% | 20.99% | 22.79% | 25.37% | 22.79% | 17.1% | 17.63% | 19.86% | 15.65% | 17.31% | 18.71% | 24.33% | 20.22% | 22.21% | 24.63% | 23.79% | 21.39% | 28.9% | 29.56% | 31.03% |
| Operating Income Growth % | -39.59% | 30.65% | 46.01% | 40.53% | 53.66% | 1.24% | -2.94% | -15.34% | -16.86% | -16.13% | -12.37% | 27.53% | 17.81% | -9.59% | -6.81% | -11.24% | -12.1% | 5.92% | 24.24% | 43.87% |
| EBITDA | 496.48M | 732.2M | 865.93M | 906.03M | 872.91M | 560.23M | 558.53M | 647.6M | 574.62M | 553.39M | 575.45M | 748.24M | 622.73M | 669.16M | 666.01M | 582.04M | 592.74M | 729.85M | 704.68M | 655.73M |
| EBITDA Margin % | 16.65% | 21% | 24.2% | 26.03% | 25.25% | 17.1% | 17.63% | 20.46% | 17.54% | 17.31% | 18.71% | 24.53% | 20.42% | 22.52% | 24.98% | 23.79% | 24.21% | 28.9% | 29.56% | 31.03% |
| EBITDA Growth % | -43.12% | 30.7% | 55.04% | 39.91% | 51.91% | 1.24% | -2.94% | -13.45% | -7.73% | -17.3% | -13.6% | 28.55% | 5.06% | -8.32% | -5.49% | -11.24% | -14.34% | 5.92% | 24.24% | 43.87% |
| D&A (Non-Cash Add-back) | 0 | 0 | 0 | 22.84M | 84.99M | 0 | 0 | 19.15M | 61.84M | 0 | 0 | 5.96M | 5.96M | 9.32M | 9.32M | 0 | 69.23M | 0 | 0 | 0 |
| EBIT | 496.48M | 732.2M | 865.93M | 883.19M | 787.92M | 560.23M | 558.53M | 628.45M | 512.77M | 553.39M | 575.45M | 742.28M | 616.77M | 659.84M | 656.69M | 582.04M | 523.51M | 729.85M | 704.68M | 655.73M |
| Net Interest Income | 465.41M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -146.31M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Income | 465.41M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 146.13M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 496.48M | 776.46M | 929.98M | 891.57M | 813.87M | 745.74M | 626.19M | 659.45M | 580.4M | 677.78M | 695.35M | 825.06M | 681.3M | 718.24M | 703.6M | 632.89M | 562.57M | 744.63M | 730.51M | 698.42M |
| Pretax Margin % | 16.65% | 22.27% | 25.99% | 25.61% | 23.54% | 22.76% | 19.77% | 20.84% | 17.71% | 21.2% | 22.61% | 27.05% | 22.34% | 24.17% | 26.39% | 25.87% | 22.98% | 29.49% | 30.64% | 33.06% |
| Income Tax | 86.69M | 135.74M | 178.67M | 153.93M | 133.11M | 121.67M | 75.15M | 127.48M | 51.57M | 103.06M | 105.23M | 135.24M | 124.99M | 112.74M | 118.42M | 98.63M | -87.11M | 112.18M | 110.07M | 105.67M |
| Effective Tax Rate % | 17.46% | 17.48% | 19.21% | 17.27% | 16.36% | 16.31% | 12% | 19.33% | 8.89% | 15.21% | 15.13% | 16.39% | 18.35% | 15.7% | 16.83% | 15.58% | -15.48% | 15.07% | 15.07% | 15.13% |
| Net Income | 418.85M | 624.29M | 747M | 746.41M | 680.71M | 623.6M | 551.14M | 527.7M | 524.56M | 565.96M | 554.43M | 695.88M | 551.48M | 599.03M | 581.21M | 534.66M | 655.85M | 636.34M | 626.38M | 590.37M |
| Net Margin % | 14.05% | 17.91% | 20.88% | 21.44% | 19.69% | 19.04% | 17.4% | 16.67% | 16.01% | 17.7% | 18.03% | 22.81% | 18.08% | 20.16% | 21.8% | 21.85% | 26.79% | 25.2% | 26.27% | 27.94% |
| Net Income Growth % | -38.47% | 0.11% | 35.54% | 41.44% | 29.77% | 10.18% | -0.59% | -24.17% | -4.88% | -5.52% | -4.61% | 30.15% | -15.92% | -5.86% | -7.21% | -9.44% | 32.78% | 5.59% | 37.15% | 40.77% |
| Net Income (Continuing) | 409.79M | 640.72M | 751.31M | 737.64M | 680.75M | 624.08M | 551.04M | 531.98M | 528.83M | 574.72M | 590.12M | 689.82M | 556.31M | 605.5M | 585.19M | 534.26M | 649.68M | 632.45M | 620.43M | 592.75M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 294.07M | 2.25B | 345.16M | 340.85M | 349.61M | 360.67M | 360.19M | 137.36M | 122.11M | 131.73M | 122.97M | 87.29M | 72.79M | 67.95M | 61.49M | 53.96M | 54.36M | 59.56M | 63.46M | 69.41M |
| EPS (Diluted) | 1.60 | 2.30 | 2.80 | 2.85 | 2.60 | 2.35 | 2.05 | 1.95 | 1.90 | 2.05 | 1.95 | 2.40 | 1.90 | 2.05 | 2.00 | 1.80 | 2.20 | 2.15 | 2.10 | 2.00 |
| EPS Growth % | -38.46% | -2.13% | 36.59% | 46.15% | 36.84% | 14.63% | 5.13% | -18.75% | 0% | 0% | -2.5% | 33.33% | -13.64% | -4.65% | -4.76% | -10% | 29.41% | 4.88% | 40% | 48.15% |
| EPS (Basic) | 1.70 | 2.50 | 2.90 | 2.95 | 2.60 | 2.35 | 2.05 | 2.00 | 1.95 | 2.10 | 2.00 | 2.45 | 1.95 | 2.10 | 2.05 | 1.85 | 2.30 | 2.25 | 2.20 | 2.10 |
| Diluted Shares Outstanding | 265.67M | 269.9M | 264.56M | 263.19M | 260.68M | 263.76M | 266.84M | 268.24M | 273.49M | 276.41M | 284.8M | 287.38M | 289.02M | 292.67M | 294.03M | 294.9M | 297.03M | 296.28M | 297.43M | 295.16M |
| Basic Shares Outstanding | 248.09M | 250.7M | 256.01M | 253.15M | 261.81M | 265.33M | 268.85M | 262.3M | 276.08M | 271.36M | 277.42M | 282.11M | 283.93M | 282.46M | 284.57M | 286.35M | 286.17M | 284.97M | 284.41M | 281.06M |
| Dividend Payout Ratio | - | - | - | - | 64.83% | - | - | - | 82.04% | - | - | - | 67.54% | - | - | - | 48.42% | - | - | - |