diff --git a/src/quic/session.cc b/src/quic/session.cc
index d83c1cbb89db..6841706da19c 100644
--- a/src/quic/session.cc
+++ b/src/quic/session.cc
@@ -2077,27 +2077,23 @@ void Session::SendPendingData() {
         closed = true;
         return;
       }
-    } else if (stream_data.id >= 0) {
+    } else if (ndatalen < 0 && nwrite >= 0 && stream_data.id >= 0) {
       Debug(this,
             "Session did not accept any bytes from stream %" PRIi64
             " into packet",
             stream_data.id);
+      // ndatalen < 0 means this stream's frame (data or FIN) was left out of
+      // the packet, due to congestion/pacing (nwrite == 0) or because other
+      // frames filled it. Reschedule the stream so it is retried later.
+      if (stream_data.count > 0 || stream_data.fin) {
+        application().ResumeStream(stream_data.id);
+      }
     }
 
     // When nwrite is zero, it means we are congestion limited or it is
-    // just not our turn to send something. Re-schedule the stream if it
-    // had unsent data (payload or FIN) so the next timer-triggered
-    // SendPendingData retries it. Without this, a FIN-only send that
-    // hits nwrite=0 is lost forever — the stream already returned EOS
-    // from Pull and won't be re-scheduled by anyone else.
-    // We call Application::ResumeStream directly (not Session::ResumeStream)
-    // to avoid creating a SendPendingDataScope — we're already inside
-    // SendPendingData and re-entering would just hit nwrite=0 again.
+    // just not our turn to send something.
     if (nwrite == 0 && (stream_data.id >= 0 || !HasPendingDatagrams())) {
       Debug(this, "Congestion or not our turn to send");
-      if (stream_data.id >= 0 && (stream_data.count > 0 || stream_data.fin)) {
-        application().ResumeStream(stream_data.id);
-      }
       return;
     }
 
diff --git a/test/parallel/test-quic-stream-fin-packet-full.mjs b/test/parallel/test-quic-stream-fin-packet-full.mjs
new file mode 100644
index 000000000000..2c0749fd3dc5
--- /dev/null
+++ b/test/parallel/test-quic-stream-fin-packet-full.mjs
@@ -0,0 +1,57 @@
+// Flags: --experimental-quic --experimental-stream-iter --no-warnings
+
+// Test: a FIN that does not fit in the current packet is still sent.
+//
+// For a fixed body the final data and the FIN go out as separate STREAM
+// frames, packed into the same packet where possible. When the data leaves
+// only a few bytes free, the FIN-only frame does not fit and the packet is
+// sent without it. The stream must then be retried, or the peer never sees
+// the end of the stream.
+//
+// Which body size leaves too little room depends on per-packet overhead, so
+// this sweeps sizes around one packet's payload, one stream at a time.
+
+import { hasQuic, skip, mustCall } from '../common/index.mjs';
+import assert from 'node:assert';
+
+if (!hasQuic) {
+  skip('QUIC is not enabled');
+}
+
+const { listen, connect } = await import('../common/quic.mjs');
+const { bytes } = await import('stream/iter');
+
+const kMinSize = 1000;
+const kMaxSize = 1300;
+const kCount = kMaxSize - kMinSize + 1;
+
+const received = [];
+let next = Promise.withResolvers();
+
+const serverEndpoint = await listen(mustCall((serverSession) => {
+  serverSession.onstream = mustCall(async (stream) => {
+    const data = await bytes(stream);
+    received.push(data.byteLength);
+    next.resolve();
+  }, kCount);
+}));
+
+const clientSession = await connect(serverEndpoint.address);
+await clientSession.opened;
+const closed = clientSession.closed.then(() => 'closed', () => 'closed');
+
+for (let size = kMinSize; size <= kMaxSize; size++) {
+  const stream = await clientSession.createUnidirectionalStream();
+  stream.setBody(new Uint8Array(size));
+  const result = await Promise.race([next.promise.then(() => 'ok'), closed]);
+  assert.strictEqual(result, 'ok',
+                     `session closed before the FIN of a ${size}-byte ` +
+                     'stream arrived');
+  next = Promise.withResolvers();
+  assert.strictEqual(received.at(-1), size);
+}
+
+assert.strictEqual(received.length, kCount);
+
+await clientSession.close();
+await serverEndpoint.close();