三季度，信也科技国际业务增长强劲，营收占比近20%，新增交易用户连续两季度超过国内市场。国际化业务在多元化经营和机构合作方面，在印尼获得由印尼金融服务监管局（OJK）监管的“多元金融牌照”（Multi-finance）。On November 19, Beijing time, finvolution (NYSE: FINV) announced its unaudited financial report for the third quarter (Q3) of 2024.
In the third quarter, finvolution achieved revenue of 3.276 billion yuan, a year-on-year increase of 2.5%; net income was 0.624 billion yuan, a year-on-year increase of 8.6%. Regarding operational indicators, the transaction volume in the period reached nearly 52.2 billion yuan, a year-on-year increase of 1.8%; the loan balance was 68.1 billion yuan, a year-on-year increase of 3.3%. As of the end of the third quarter, the company had served a total of 32.6 million users in both domestic and international markets.
Looking at other data, in the first three quarters of this year, finvolution's domestic transaction volume reached 142 billion yuan, a year-on-year increase of 4%; in the third quarter, finvolution strengthened its services for small and micro enterprises, continuously expanding service scenarios for small and micro businesses and enhancing innovation capabilities across multiple product scenarios. The transaction volume for the quarter reached 15.4 billion yuan, a year-on-year increase of 25%, with its proportion of domestic market transaction volume rising to 31%.
In the third quarter, finvolution's international business showed strong growth, accounting for nearly 20% of revenue, with the number of new transaction users exceeding that in the domestic market for two consecutive quarters. The international business obtained a 'diversified finance license' regulated by the Indonesian Financial Services Authority (OJK) in the areas of diversified operations and institutional collaboration.
