What is FINVOLUTION GRP's earnings per share (EPS)?

FINVOLUTION GRP (FVGPY) reported diluted earnings per share of $0.27 for fiscal year 2025. This represents a 8.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

FINVOLUTION GRP (FVGPY) Financials

FVGPY

FY2025 annual

Revenue $1.9B +8.4% YoY

Net Income $363.6M +11.4% YoY

EPS (Diluted) $0.27 +8.0% YoY

Free Cash Flow $255.0M -35.0% YoY

Source SEC Filings (10-K/10-Q) Latest period FY2025, ended Dec 31, 2025 Reported Apr 29, 2026 Currency USD FYE December

Newest figures come from the 10-K for FY2025, filed Apr 29, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FVGPY SEC filings page.

FINVOLUTION GRP (FVGPY) reported $1.9B in revenue for fiscal year 2025, up 8.4% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FVGPY FY2025 2026-08-30

The dominant mechanic is cash-funded capital allocation: earnings are steady, while investing flows and shareholder returns drive financial variability.

From FY2021 to FY2025, revenue expanded 30.6% while net income fell 7.7%, taking net margin from 26.5% to 18.7%; growth therefore brought weaker earnings yield rather than proportional profit expansion. Yet cash conversion is not linear: operating cash flow exceeded net income in FY2024, then fell below it in FY2025, while free cash flow remained positive, indicating working-capital or investment-timing effects rather than a stable conversion rate.

The balance sheet is becoming more equity-funded: reported debt-to-equity fell from 0.7x to 0.0x, while total liabilities remained roughly half of equity; the financing profile is not debt-heavy, although liabilities extend beyond the narrow debt measure. Across the period, ROA declined from 13.8% to 10.0% as the asset base expanded, implying less profit per dollar of assets.

The investing line is unusually influential: FY2025 investing cash flow was -$312M against only $12M of capital expenditures, so most investing cash movement was not routine property spending. Shareholder distributions of $183M consumed a large portion of $255M in free cash flow, making capital allocation a material cash-use decision.

Financial Health Signals

Financial health score not available

FINVOLUTION GRP does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

2/5

FINVOLUTION GRP passes 2 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 2 of 4 profitability signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.73x

For every $1 of reported earnings, FINVOLUTION GRP generates $0.73 in operating cash flow ($267.1M OCF vs $363.6M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

None of these metrics is reported for Q4 2025.

Cash & Balance Sheet

Cash & Debt

$612.8M

YoY-4.3%

QoQ-4.3%

FINVOLUTION GRP held $612.8M in cash against $12.8M in long-term debt as of Q4 2025.

Free Cash Flow

Not reported for Q4 2025.

Dividends Per Share

Not reported for Q4 2025.

Shares Outstanding

Not reported for Q4 2025.

Margins & Returns

None of these metrics is reported for Q4 2025.

Capital Allocation

None of these metrics is reported for Q4 2025.

FVGPY Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FVGPY quarterly income statement

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Revenue	$1.9B+8.4%	$1.8B+1.3%	$1.8B+9.5%	$1.6B+8.6%	$1.5B+28.2%	$1.2B+35.3%	$856.5M+35.3%	$632.8M+6.1%	$596.4M
R&D Expenses	$76.7M+12.8%	$68.1M-5.4%	$72.0M+1.0%	$71.3M+4.4%	$68.2M+20.3%	$56.7M+1.1%	$56.1M	N/A	N/A
SG&A Expenses	$63.2M+11.6%	$56.7M+3.1%	$54.9M-5.7%	$58.2M-28.4%	$81.3M+15.1%	$70.7M+12.9%	$62.6M-38.6%	$102.0M+12.7%	$90.5M
Interest Expense	$4.1M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$79.5M+26.9%	$62.7M+12.6%	$55.6M-15.6%	$65.9M+74.5%	$37.8M-45.9%	$69.8M+0.8%	$69.2M+214.8%	$22.0M-47.9%	$42.2M
Net Income	$363.6M+11.4%	$326.5M-1.0%	$329.7M+0.3%	$328.6M-16.5%	$393.7M+30.2%	$302.3M-11.3%	$340.8M-5.1%	$359.1M+115.7%	$166.5M
EPS (Basic)	$0.29+16.0%	$0.25+4.2%	$0.24+4.3%	$0.23-17.9%	$0.28+40.0%	$0.20-10.5%	$0.22-6.8%	$0.24	N/A
EPS (Diluted)	$0.27+8.0%	$0.25+4.2%	$0.24+4.3%	$0.23-14.8%	$0.27+35.0%	$0.20-8.9%	$0.22-2.2%	$0.22	N/A
Diluted Shares (Avg)	1.33B+1.1%	1.32B-5.9%	1.40B-3.5%	1.45B-1.9%	1.48B-0.6%	1.49B-3.9%	1.55B-2.9%	1.60B+105.1%	780M

Metric	Q4'2510-K	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q4'2110-K	Q4'2010-K	Q4'1910-K	Q4'1810-K

Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, Interest Expense, Income Tax, Net Income, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).

FVGPY Balance Sheet

FVGPY quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Total Assets	$3.6B+12.4%	$3.2B+7.8%	$3.0B-3.3%	$3.1B+8.9%	$2.8B+24.8%	$2.3B-13.3%	$2.6B+37.6%	$1.9B+44.6%	$1.3B
Cash & Equivalents	$612.8M-4.3%	$640.2M-8.5%	$699.9M+32.8%	$527.2M-24.0%	$693.3M+71.9%	$403.4M+20.8%	$333.9M+42.0%	$235.1M-19.1%	$290.7M
Short-Term Investments	$431.2M+11.1%	$388.0M-7.0%	$417.0M-16.1%	$496.9M+162.8%	$189.1M-37.4%	$302.1M+1735.6%	$16.5M-93.3%	$246.5M-18.1%	$301.1M
Accounts Receivable	$290.1M-12.0%	$329.6M+6.0%	$311.1M-3.2%	$321.5M+8.4%	$296.7M+124.1%	$132.4M+4.5%	$126.7M+7.3%	$118.1M+4223.1%	$2.7M
Long-Term Investments	$163.3M+1.6%	$160.7M+0.5%	$159.9M+1.7%	$157.2M+3.1%	$152.4M+4.6%	$145.7M+6.4%	$136.9M+461.8%	$24.4M	$0
Goodwill	$11.4M+65.1%	$6.9M-2.7%	$7.1M-2.9%	$7.3M-7.6%	$7.9M+2.4%	$7.7M+6.7%	$7.2M-1.2%	$7.3M-5.4%	$7.7M
Total Liabilities	$1.2B+11.1%	$1.1B+5.5%	$1.0B-19.3%	$1.3B+11.2%	$1.2B+17.9%	$988.8M-33.1%	$1.5B+42.0%	$1.0B+37.6%	$756.4M
Long-Term Debt	$12.8M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$2.4B+13.6%	$2.1B+7.6%	$1.9B+8.0%	$1.8B+7.3%	$1.7B+30.5%	$1.3B+12.3%	$1.1B+32.5%	$861.6M+54.8%	$556.7M
Retained Earnings	$1.7B+23.2%	$1.4B+18.8%	$1.2B+25.0%	$942.0M+28.0%	$736.1M+81.1%	$406.4M+43.9%	$282.5M+4152.4%	$6.6M+101.8%	-$368.7M

Metric	Q4'2510-K	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q4'2110-K	Q4'2010-K	Q4'1910-K	Q4'1810-K
Total Assets	$3.6B+12.4%	$3.2B+7.8%	$3.0B-3.3%	$3.1B+8.9%	$2.8B+24.8%	$2.3B-13.3%	$2.6B+37.6%	$1.9B+44.6%
Cash & Equivalents	$612.8M-4.3%	$640.2M-8.5%	$699.9M+32.8%	$527.2M-24.0%	$693.3M+71.9%	$403.4M+20.8%	$333.9M+42.0%	$235.1M-19.1%
Short-Term Investments	$431.2M+11.1%	$388.0M-7.0%	$417.0M-16.1%	$496.9M+162.8%	$189.1M-37.4%	$302.1M+1735.6%	$16.5M-93.3%	$246.5M-18.1%
Accounts Receivable	$290.1M-12.0%	$329.6M+6.0%	$311.1M-3.2%	$321.5M+8.4%	$296.7M+124.1%	$132.4M+4.5%	$126.7M+7.3%	$118.1M+4223.1%
Long-Term Investments	$163.3M+1.6%	$160.7M+0.5%	$159.9M+1.7%	$157.2M+3.1%	$152.4M+4.6%	$145.7M+6.4%	$136.9M+461.8%	$24.4M
Goodwill	$11.4M+65.1%	$6.9M-2.7%	$7.1M-2.9%	$7.3M-7.6%	$7.9M+2.4%	$7.7M+6.7%	$7.2M-1.2%	$7.3M-5.4%
Total Liabilities	$1.2B+11.1%	$1.1B+5.5%	$1.0B-19.3%	$1.3B+11.2%	$1.2B+17.9%	$988.8M-33.1%	$1.5B+42.0%	$1.0B+37.6%
Long-Term Debt	$12.8M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$2.4B+13.6%	$2.1B+7.6%	$1.9B+8.0%	$1.8B+7.3%	$1.7B+30.5%	$1.3B+12.3%	$1.1B+32.5%	$861.6M+54.8%
Retained Earnings	$1.7B+23.2%	$1.4B+18.8%	$1.2B+25.0%	$942.0M+28.0%	$736.1M+81.1%	$406.4M+43.9%	$282.5M+4152.4%	$6.6M+101.8%

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Non-Current Liabilities.

FVGPY Cash Flow Statement

FVGPY quarterly cash flow statement

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Operating Cash Flow	$267.1M-32.6%	$396.4M+99.1%	$199.1M+410.8%	$39.0M-60.6%	$98.9M-70.8%	$338.2M+1192.5%	-$31.0M-111.3%	$274.2M-4.3%	$286.6M
Depreciation & Amortization	$9.5M-0.1%	$9.5M+200.2%	$3.2M-8.2%	$3.5M-41.0%	$5.8M-26.3%	$7.9M-4.3%	$8.3M+35.2%	$6.1M+76.9%	$3.5M
Stock-Based Compensation	$21.3M+8.0%	$19.7M+20.4%	$16.4M+27.0%	$12.9M-13.6%	$14.9M+131.2%	$6.5M+6.5%	$6.1M-17.1%	$7.3M-55.1%	$16.3M
Capital Expenditures	$12.0M+216.6%	$3.8M-95.0%	$75.8M+890.4%	$7.7M-11.8%	$8.7M+413.8%	$1.7M-75.8%	$7.0M-42.5%	$12.2M-13.0%	$14.0M
Free Cash Flow	$255.0M-35.0%	$392.6M+218.4%	$123.3M+293.6%	$31.3M-65.3%	$90.2M-73.2%	$336.5M+986.9%	-$37.9M-114.5%	$262.0M-3.9%	$272.6M
Investing Cash Flow	-$312.3M+0.7%	-$314.5M-258.0%	$199.1M+188.4%	-$225.2M-171.9%	$313.0M+96.1%	$159.6M+234.2%	-$119.0M+43.5%	-$210.5M	N/A
Financing Cash Flow	-$27.8M+67.4%	-$85.3M+76.3%	-$360.4M-212.4%	-$115.4M-206.6%	-$37.6M+92.1%	-$473.8M-288.5%	$251.3M+225.9%	$77.1M	N/A
Dividends Paid	$73.0M+20.7%	$60.5M-0.3%	$60.6M+12.2%	$54.0M+8.4%	$49.8M+23.4%	$40.4M-28.0%	$56.1M	N/A	N/A
Share Buybacks	$109.7M+24.5%	$88.1M-9.9%	$97.8M+98.0%	$49.4M+1111.3%	$4.1M-93.0%	$58.2M+858.9%	$6.1M-90.8%	$65.8M	N/A

Metric	Q4'2510-K	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q4'2110-K	Q4'2010-K	Q4'1910-K	Q4'1810-K

Not reported in any period shown, so not listed: Operating Cash Flow, Depreciation & Amortization, Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Investing Cash Flow, Financing Cash Flow, Dividends Paid, Share Buybacks.

FVGPY Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FVGPY quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Net Margin	18.7%+0.5pp	18.2%-0.4pp	18.7%-1.7pp	20.4%-6.1pp	26.5%+0.4pp	26.1%-13.7pp	39.8%-17.0pp	56.8%+28.8pp	27.9%
Return on Equity	15.4%-0.3pp	15.7%-1.4pp	17.0%-1.3pp	18.3%-5.2pp	23.5%0.0pp	23.6%-6.3pp	29.8%-11.8pp	41.7%+11.8pp	29.9%
Return on Assets	10.0%-0.1pp	10.1%-0.9pp	11.0%+0.4pp	10.6%-3.2pp	13.8%+0.6pp	13.3%+0.3pp	13.0%-5.8pp	18.8%+6.2pp	12.6%
Debt-to-Equity	0.01-0.5x	0.530.0x	0.54-0.2x	0.720.0x	0.70-0.1x	0.77-0.5x	1.30+0.1x	1.21-0.2x	1.36
Asset Turnover	0.530.0x	0.550.0x	0.59+0.1x	0.520.0x	0.520.0x	0.51+0.2x	0.330.0x	0.33-0.1x	0.45
FCF Margin	13.1%-8.8pp	21.9%+14.9pp	7.0%+5.0pp	1.9%-4.1pp	6.1%-23.0pp	29.0%+33.5pp	-4.4%-45.8pp	41.4%-4.3pp	45.7%

Metric	Q4'2510-K	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q4'2110-K	Q4'2010-K	Q4'1910-K	Q4'1810-K
Debt-to-Equity	0.01-0.5x	0.530.0x	0.54-0.2x	0.720.0x	0.70-0.1x	0.77-0.5x	1.30+0.1x	1.21-0.2x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Return on Assets, Current Ratio, Asset Turnover, FCF Margin.

Where FINVOLUTION GRP Ranks

Frequently Asked Questions

What is FINVOLUTION GRP's annual revenue?

FINVOLUTION GRP (FVGPY) reported $1.9B in total revenue for fiscal year 2025. This represents a 8.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is FINVOLUTION GRP's revenue growing?

FINVOLUTION GRP (FVGPY) revenue grew by 8.4% year-over-year, from $1.8B to $1.9B in fiscal year 2025.

Is FINVOLUTION GRP profitable?

Yes, FINVOLUTION GRP (FVGPY) reported a net income of $363.6M in fiscal year 2025, with a net profit margin of 18.7%.

How much debt does FINVOLUTION GRP have?

As of fiscal year 2025, FINVOLUTION GRP (FVGPY) had $612.8M in cash and equivalents against $12.8M in long-term debt.

What is FINVOLUTION GRP's net profit margin?

FINVOLUTION GRP (FVGPY) had a net profit margin of 18.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is FINVOLUTION GRP's return on equity (ROE)?

FINVOLUTION GRP (FVGPY) has a return on equity of 15.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is FINVOLUTION GRP's free cash flow?

FINVOLUTION GRP (FVGPY) generated $255.0M in free cash flow during fiscal year 2025. This represents a -35.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is FINVOLUTION GRP's operating cash flow?

FINVOLUTION GRP (FVGPY) generated $267.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are FINVOLUTION GRP's total assets?

FINVOLUTION GRP (FVGPY) had $3.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are FINVOLUTION GRP's capital expenditures?

FINVOLUTION GRP (FVGPY) invested $12.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does FINVOLUTION GRP spend on research and development?

FINVOLUTION GRP (FVGPY) invested $76.7M in research and development during fiscal year 2025.

Does FINVOLUTION GRP buy back shares?

Yes, FINVOLUTION GRP (FVGPY) spent $109.7M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is FINVOLUTION GRP's debt-to-equity ratio?

FINVOLUTION GRP (FVGPY) had a debt-to-equity ratio of 0.01 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is FINVOLUTION GRP's return on assets (ROA)?

FINVOLUTION GRP (FVGPY) had a return on assets of 10.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is FINVOLUTION GRP's Piotroski F-Score?

FINVOLUTION GRP (FVGPY) has a Piotroski F-Score of 2 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are FINVOLUTION GRP's earnings high quality?

FINVOLUTION GRP (FVGPY) has an earnings quality ratio of 0.73x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.