GOCMEN Intro We wrote about FinVolution Group (NYSE:FINV) in July of last year when we went through the key financial trends & metrics that make up the company's dividend. In the company's short history, management has rewarded shareholders well through both an above-average dividend (encompassing strong growth levels) as well as significant share buybacks. Although earnings fell by approximately $0.20 per share in fiscal 2022, FinVolution's well-covered dividend, strong balance sheet, and expectation of a ...

SHANGHAI, Jan. 18, 2024 /PRNewswire/ -- Leapstack, a prominent insurtech company, recently secured an impressive 200 million RMB yuan in Series C+ Funding, led by Qiming Venture Partners. The funding round also saw active participation from Soochow Yihe Capital, and existing shareholder Legend Capital, with exclusive financial advisory services provided by MountainView Capital. As a technology-driven enterprise, Leapstack specializes in cutting-edge digital solutions for medical insurance. The company offer ...

FinVolution Group (NYSE:FINV) Q3 2023 Results Conference Call November 20, 2023 7:30 PM ET Company Participants Jimmy Tan - Head, IR Tiezheng Li - CEO Jiayuan Xu - CFO Conference Call Participants Alex Ye - UBS Yada Li - CICC Cindy Wang - China Renaissance Operator Hello, ladies and gentlemen. Thank you for participating in the Third Quarter 2023 Earnings Conference Call for FinVolution Group. At this time, all participants are in a listen-only mode. After management's prepared remarks, there will be a ques ...

FinVolution Group Reports Third Quarter 2023 Unaudited Financial Results -International transaction volume increased 99.1% year-over-year, contributing 18.3% of total revenue- -International revenue reached RMB584.8 million, a year-over-year increase of 67.3%- SHANGHAI, Nov. 20, 2023 /PRNewswire/ – FinVolution Group ("FinVolution" or the "Company") (NYSE: FINV), a leading fintech platform, today announced its unaudited financial results for the third quarter ended September 30, 2023. | --- | --- | --- | --- ...

Financial Data and Key Metrics Changes - FinVolution's total transaction volume in Q2 2023 increased to RMB 47.3 billion, a 14% year-over-year growth, while the outstanding loan balance reached RMB 63.7 billion, up 13% year-over-year [7] - Net revenues for Q2 rose to RMB 3.1 billion, a 15% increase year-over-year, and net income reached RMB 590 million, up 1% year-over-year [21] - The cash position remains robust with over RMB 8.2 billion, representing a 58% year-over-year increase [21] Business Line Data and Key Metrics Changes - In China, transaction volume reached RMB 45.5 billion, and outstanding loan balance was RMB 62.6 billion, both up 12% year-over-year [15] - The Small Business Owners segment served around 459,000 borrowers, facilitating RMB 11.5 billion in loans, an 11% increase year-over-year [17] - International transaction volumes grew by 100% year-over-year, reaching RMB 1.8 billion, with outstanding loan balance at RMB 1.1 billion, up 131% year-over-year [19] Market Data and Key Metrics Changes - The manufacturing PMI in Indonesia grew to 52.5 points, indicating a positive macroeconomic environment [18] - The Philippines market showed strong growth across various metrics, with unique borrowers, transaction volume, and outstanding loan balance all increasing significantly year-over-year [19] Company Strategy and Development Direction - The company is adopting a strategy of progressive growth in the China market while pursuing rapid growth in international markets [6] - FinVolution aims to leverage technological innovation as a core competitive advantage, focusing on AI and machine learning to enhance operational efficiency [9][10] - The company is exploring opportunities in Southeast Asia, Africa, and Latin America, expanding its business model beyond online lending [28] Management's Comments on Operating Environment and Future Outlook - Management noted that the domestic macro environment remains challenging, but international markets show positive growth [14] - The company expects transaction volume in China for Q3 2023 to be around RMB 49 billion, a 10.4% year-over-year increase, while international markets are projected to reach RMB 1.9 billion, a 73% increase year-over-year [24] - Management expressed confidence in navigating the current economic challenges and capitalizing on growth opportunities [25] Other Important Information - The company celebrated its 16th anniversary, highlighting its commitment to sustainable growth and technological innovation [13] - FinVolution has returned approximately USD 491 million to shareholders through dividends and stock repurchase programs [22] Q&A Session Summary Question: What is the latest trend of leading indicators like day 1 vintage delinquency? - Management reported that the vintage delinquency performance is around 2.3%, with a stable 30-day loan collection recovery rate of around 90% [27] Question: Can you provide updates on international business expansion? - Management indicated that they are in leading positions in Indonesia and the Philippines and are exploring opportunities in other Southeast Asian countries [28] Question: How do you foresee the profitability of international market operations in the medium term? - Management stated that the international business is already profitable but still small compared to China, with ongoing investments needed for growth [32] Question: Are there plans to tap into prime customers with APR less than 18%? - Management has optimized pricing to 22.3% to attract better quality borrowers, indicating a focus on improving risk performance [33] Question: What is the competitive landscape in overseas markets? - Management highlighted the positive macro environment in Indonesia and the Philippines, with ongoing investments to maintain leading positions [38]

Exhibit 99.1 FinVolution Group Reports Second Quarter 2023 Unaudited Financial Results -International transaction volume guidance for full-year 2023 raised to RMB7.7 billion, representing year-over-year growth of around 80.0%- -International transaction volume increased 100.0% year-over-year, contributing 16.3% of total revenue- -International revenue reached RMB502.5 million, a year-over-year increase of 112.1%- SHANGHAI, Aug. 28, 2023 /PRNewswire/ – FinVolution Group ("FinVolution," or the "Company") (NYS ...

| --- | --- | --- | --- | |-----------|-------|-------------------------------------------|-------| | | | | | | | | | | | | | FinVolution Group Investor Presentation | | | i l . · • | | May 2023 | | mmun Disclaimer This presentation has been prepared by FinVolution Group (the "Company") pursuant to Section 5(d) of the U.S. Securities Act of 1933, as amended (the "Securities Act") solely for informational purposes and is not an offer to buy or sell or a solicitation of an offer to buy or sell any security or ...

Financial Data and Key Metrics Changes - Total transaction volume increased by 9.3% year-over-year to reach RMB43.4 billion, while total outstanding loan balance rose by 15.8% year-over-year to RMB62.3 billion [7] - Net revenues for Q1 2023 rose to RMB3.1 billion, up 25% year-over-year, and net income reached RMB690 million, up 29% year-over-year [20] - Diluted net profit per ADS was RMB2.42, an increase of 34% year-over-year [20] - Cash position improved to over RMB7.8 billion, representing a 10% sequential increase [21] Business Line Data and Key Metrics Changes - Domestic transaction volume rose year-over-year to RMB141.8 billion, representing an increase of 8%, while total outstanding loan balance stood at RMB61.3 billion, up 15% year-over-year [15] - International loan volume decreased by 83% year-over-year to RMB1.57 billion, but outstanding balance grew 164% year-over-year to RMB0.95 billion [18] - International revenue reached RMB448 million, an increase of RMB163.6 million year-over-year, contributing around 15% of total revenue in Q1 [18] Market Data and Key Metrics Changes - The Purchasing Managers' Index showed improvements across various industries, but fell to 49.2% in April, indicating ongoing economic recovery challenges [13] - Total social financing amount grew by RMB14.5 trillion in Q1, but only RMB1.2 trillion in April, below market expectations [14] - In Indonesia, the Consumer Confidence Index remains high at 100 points, with GDP growth projected at 4.8% for 2023 [17] Company Strategy and Development Direction - The company is committed to its "Local Focus, Global Outlook" strategy, expanding its borrower base to 28 million across China, Indonesia, and the Philippines [7] - Continued investment in technology, with over RMB2 billion invested in the last five years, focusing on AI and data tools to enhance operational efficiency [7][8] - Plans to build an open-source model platform to improve intelligent marketing and customer service operations [8] Management Comments on Operating Environment and Future Outlook - Management expressed cautious optimism regarding economic recovery, expecting growth to accelerate in the second half of 2023 [14][22] - The company plans to maintain a prudent approach to risk management, with expectations of vintage delinquency around 2.3% [15] - Anticipated transaction volume in China for Q2 2023 is around RMB45 billion, representing an 11% year-over-year increase [23] Other Important Information - The company achieved a strong loan collection recovery rate of 90% in Q1 [15] - The average borrowing rate was reduced to 22.7% in Q4, with funding costs optimized to 6.7% from 7.8% a year ago [15][20] - The company has returned US$458 million to shareholders through dividends and share repurchase programs [21] Q&A Session Summary Question: Loan pricing stability and vintage delinquency trends - Management indicated that the average borrowing rate was 23.7% in Q1, with expectations for future rates between 22% to 23% [26] - Vintage delinquency remained stable at 2.3%, with confidence in maintaining this level [27] Question: Domestic growth and take rate clarification - Management acknowledged that the recovery is below expectations but noted improvements in user demand metrics [31] - The reported take rate of 3.5% is specific to the domestic business, with higher rates expected in international markets [32] Question: Sustainability of high take rates in international markets - Management stated that the international take rate depends on pricing, funding costs, and risk performance, with expectations for adjustments based on borrower quality [36]

Exhibit 99.1 1 FinVolution Group Reports First Quarter 2023 Unaudited Financial Results -Net revenue reached RMB3,050.6 million, representing a year-over-year increase of 24.7% - -International business revenue contribution reached 14.7% of total revenue for the first quarter through Local Focus, Global Outlook Strategy- SHANGHAI, May 17, 2023 /PRNewswire/ — FinVolution Group ("FinVolution," or the "Company") (NYSE: FINV), a leading fintech platform, today announced its unaudited financial results for the f ...

Foreign Currency Exchange Risk - In 2022, the company did not enter into hedging transactions to mitigate foreign currency exchange risk, which may adversely affect investments due to exchange rate fluctuations [258]. - The company's operations in overseas markets expose it to currency exchange rate fluctuations, as revenues are earned in local currencies while some costs are in U.S. dollars [259]. - The PRC government imposes controls on the convertibility of RMB into foreign currencies, which may limit the company's ability to utilize net revenues effectively and affect the price of its ADSs [260]. Regulatory Compliance and Taxation - The company may face penalties for failing to make adequate contributions to employee benefit plans and withhold individual income tax on employees' salaries as required by PRC regulations [263]. - M&A Rules and PRC regulations establish complex procedures for acquisitions by foreign investors, potentially complicating the company's growth through acquisitions in China [264]. - PRC regulations regarding offshore investment activities may limit the company's ability to increase registered capital or distribute profits from its PRC subsidiaries [266]. - Failure to comply with SAFE registration requirements for employee stock incentive plans may subject the company to fines and limit its ability to contribute additional capital to PRC subsidiaries [271]. - If classified as a PRC resident enterprise, the company could face unfavorable tax consequences, including a 25% tax rate on global income [273]. - The tax residency status of the company is uncertain, and if determined to be a PRC resident enterprise, it may be subject to PRC tax on gains from the sale of ADSs [274]. - The company may face a withholding tax rate of 10% on dividends from its PRC subsidiaries, which could be reduced to 5% under certain conditions [276]. - The company is subject to uncertainties regarding indirect transfers of equity interests in PRC resident enterprises, which may require reporting to PRC tax authorities [277]. - The SAT Public Notice 7 introduces a new tax regime for indirect transfers, potentially subjecting gains to PRC enterprise income tax at a rate of 10% [278]. - The company may incur significant compliance costs related to SAT Circular 698 and SAT Public Notice 7, which could adversely affect its financial condition [280]. Securities Regulation and Market Risks - Approval from the CSRC may be required for offshore offerings, and delays or failures in obtaining such approval could lead to sanctions [281]. - The Trial Administrative Measures require PRC domestic companies to file with the CSRC for overseas offerings, with penalties for non-compliance ranging from RMB1 million to RMB10 million [283]. - The PCAOB's ability to inspect auditors in China has been restored, but future access remains uncertain, impacting investor confidence [287]. - Under the HFCA Act, if the SEC determines the company has not filed audit reports from PCAOB-inspected firms for two consecutive years, trading of its ADSs may be prohibited [289]. - The PCAOB may restrict trading of the company's securities in the U.S. if it cannot fully inspect accounting firms in mainland China and Hong Kong, which could materially impact the company's financial condition and prospects [290]. - The market price of the company's American Depositary Shares (ADSs) is likely to be volatile, influenced by the performance of other Chinese companies listed in the U.S. and broader market factors [291]. - Significant fluctuations in trading volume and price of the company's ADSs may occur due to changes in economic performance or market valuations of online consumer finance platforms [293]. - The company may face adverse effects on its ADSs' market price if analysts do not maintain adequate research coverage or publish unfavorable reports [294]. - Future sales or perceived potential sales of ADSs could lead to a decline in their market price, especially after the expiration of the 180-day lock-up period following the initial public offering [295]. - The depositary may close its transfer books or refuse to register transfers of ADSs, which could limit the ability to transfer these securities [306]. Corporate Governance and Shareholder Rights - The company operates under the laws of the Cayman Islands, making it difficult for shareholders to enforce judgments obtained in U.S. courts against the company or its directors [307]. - The company may not be able to distribute dividends or other distributions to ADS holders if it is deemed illegal or impractical [305]. - The company may not be able to provide rights offerings to ADS holders unless registered under the Securities Act, potentially leading to dilution of holdings [303]. - The discretionary proxy given to the depositary may limit shareholders' ability to influence management decisions regarding the underlying Class A ordinary shares [299]. - As of March 31, 2023, holders of Class B ordinary shares own 93.2% of the aggregate voting power, significantly limiting the influence of Class A shareholders on corporate matters [314]. - The maximum number of Class A ordinary shares that may be issued under the 2013 Plan is 221,917,800, with 127,415,885 options granted as of March 31, 2023 [316]. - Under the 2017 Plan, the maximum number of Class A ordinary shares that may be issued is 1,000,000,000, with 6,710,045 options granted and 109,433,625 restricted share units granted as of March 31, 2023 [317]. - Share-based compensation expenses incurred in 2022 amounted to RMB88.2 million (US$12.8 million), indicating a potential increase in future expenses due to ongoing share incentive awards [319]. - The company is classified as a passive foreign investment company (PFIC) for U.S. federal income tax purposes for the taxable year ended December 31, 2022, which may have adverse tax consequences for U.S. investors [323]. - The company incurs significant accounting, legal, and compliance costs as a public entity, which may strain management and operational resources [326]. - The dual-class share structure may discourage potential change of control transactions, affecting the opportunity for Class A shareholders to sell shares at a premium [314]. - The company is exempt from certain U.S. securities regulations, resulting in less extensive and timely information being available to investors compared to U.S. domestic issuers [320]. - The rights of shareholders under Cayman Islands law are less clearly established than in some U.S. jurisdictions, potentially complicating shareholder actions [310]. - The company has adopted anti-takeover provisions that could limit the ability of third parties to acquire control, adversely affecting shareholder rights [315].