FINW
FinWise·NASDAQ
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FINW fundamentals
FinWise (FINW) released its earnings on Jan 29, 2026: revenue was 46.85M (YoY +121.70%), beat estimates; EPS was 0.27 (YoY +35.00%), missed estimates.
Revenue / YoY
46.85M
+121.70%
EPS / YoY
0.27
+35.00%
Report date
Jan 29, 2026
FINW Earnings Call Summary for Q4,2025
- Revenue Summary: 2025 net income +26%, Q4 originations $1.6B (vs. $1.4B guide). Credit enhanced balances $118M vs. $115M guide.
- Financials: Q4 net income $3.9M, EPS $0.27. NIM 11.42% (10.0% ex credit enhanced). Efficiency ratio 50.5%.
- 2026 Outlook:
- Originations: $1.4B/Q baseline +5% growth.
- Credit enhanced: $8-10M/month growth.
- SBA: 2026 originations to match 2025 levels.
- Margin: 11.42% (10.0% ex credit enhanced).
- Charge-offs: $3.5M/Q for non-credit enhanced loans.
- Key Risks: SBA processing delays, deposit volatility, AI implementation costs.
- Strategic Moves: DreamFi launch, AI expansion, BIN sponsorship diversification.
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Key Indicators
FinWise (FINW) key financial stats and ratios, covering profitability, financial health, and leverage.
FinWise (FINW)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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FinWise (FINW)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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FinWise (FINW)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does FinWise (FINW) generate its revenue? Explore its key revenue streams and top earning regions.
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Track FinWise (FINW) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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What is FinWise's gross profit margin?What is FinWise's latest dividend and current dividend yield?What guidance did FinWise's management provide for the next earnings period?What were the key takeaways from FinWise’s earnings call?What is the revenue and EPS growth rate for FinWise year over year?What were the key takeaways from FinWise's earnings call?What is the market's earnings forecast for FinWise next quarter?What does FinWise do and what are its main business segments?
