FinVolution (FINV) Q4 2025 Earnings Transcript

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Monday, March 16, 2026 astatine 8:30 p.m. ET

• Chief Executive Officer — Tiezheng Li

• Chief Financial Officer — Jiayuan Xu

• Investor Relations — Yam Cheng

Mr. Tiezheng Li, our CEO; and Mr. Jiayuan Xu, our CFO, volition commencement the telephone with their prepared remarks and reason with a Q&A section. During this call, we volition beryllium referring to respective non-GAAP fiscal measures to reappraisal and measure our operating performance. These non-GAAP fiscal measures are not intended to beryllium considered successful isolation oregon arsenic a substitute for the fiscal accusation prepared and presented successful accordance with U.S. GAAP. For accusation astir these non-GAAP measures and reconciliation to non-GAAP measures, delight notation to our net property release. Before we continue, delight enactment that today's treatment volition incorporate forward-looking statements made nether the harmless harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995.

Forward-looking statements impact inherent risks and uncertainties. As such, the company's results whitethorn beryllium materially antithetic from the views expressed today. Further accusation regarding these and different risks and uncertainties are included successful the company's filings with the U.S. SEC. The institution does not presume immoderate work to update immoderate forward-looking statements, but arsenic required nether applicable law. Finally, we person posted a descent presumption connected our IR website, providing details of our results for the quarter. I volition present crook the telephone implicit to our CEO, Mr. Tiezheng. Tiezheng, delight spell ahead.

Tiezheng Li: Thanks, Yam. Welcome to our 4th fourth and afloat twelvemonth 2025 net call. [Technical Difficulty]

Operator: Pardon me, everyone. It looks similar we person mislaid the audio. Please standby. Please proceed.

Tiezheng Li: Thanks, Yam. Welcome to our 4th fourth and afloat twelvemonth 2025 net call. 2025 was a important twelvemonth for us. It was FinVolution's 18th anniversary, overmuch similar a idiosyncratic stepping into adulthood, our institution has grown from a passionate recognition pioneer successful China into a determination level bridging the recognition spread crossed Asia and beyond. This travel has been much than conscionable astir scaling. We've learned, accommodate and built thing invaluable and lasting. 2025's challenging macro situation tested our resilience, but it besides reaffirmed our strategical absorption to beforehand our planetary expansion. To reason the year, we delivered afloat twelvemonth radical gross of RMB 13.6 billion, up 3.8% year-over-year.