(FINV) FinVolution - Overview
Stock: Online Consumer Lending, Virtual Credit, Microlending, Financial Services
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.84% |
| Yield on Cost 5y | 7.91% |
| Yield CAGR 5y | 12.98% |
| Payout Consistency | 95.0% |
| Payout Ratio | 3.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 35.2% |
| Relative Tail Risk | -0.28% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.59 |
| Alpha | -39.65 |
| Character TTM | |
|---|---|
| Beta | 0.526 |
| Beta Downside | 0.857 |
| Drawdowns 3y | |
|---|---|
| Max DD | 55.28% |
| CAGR/Max DD | 0.05 |
Description: FINV FinVolution January 14, 2026
FinVolution Group (NYSE:FINV) is a Shanghai-based investment holding company that provides online consumer-finance services across mainland China, Indonesia, and other markets through platforms such as ppdai.com, the PPDai mobile app, KOO Virtual Credit, AdaKami, and JuanHand. The firm, originally founded as PPDAI Group in 2007, rebranded to FinVolution in November 2019 and is classified under the GICS sub-industry “Consumer Finance.”
Recent filings show FINV generated approximately $112 million in revenue for the twelve months ended December 2023, with loan origination volume exceeding $1.2 billion and a user base of roughly 5 million active borrowers. The company posted a net loss of $28 million in the same period, reflecting heightened credit-risk provisions amid tighter Chinese fintech regulations.
Key macro drivers include China’s household-debt-to-GDP ratio, which has risen to about 62 % (World Bank, 2023), and the People’s Bank of China’s recent clamp-down on unsecured online lending, prompting firms like FinVolution to shift toward lower-risk, data-driven credit products and to diversify into markets such as Indonesia where regulatory friction is lower.
For a deeper quantitative breakdown, the ValueRay platform offers a granular view of FINV’s valuation metrics.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 2.80b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -9.38 > 1.0 |
| NWC/Revenue: 106.5% < 20% (prev 98.64%; Δ 7.86% < -1%) |
| CFO/TA 0.06 > 3% & CFO 1.70b > Net Income 2.80b |
| Net Debt (-3.09b) to EBITDA (4.37b): -0.71 < 3 |
| Current Ratio: 4.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (269.9m) vs 12m ago 2.33% < -2% |
| Gross Margin: 80.14% > 18% (prev 0.80%; Δ 7934 % > 0.5%) |
| Asset Turnover: 57.07% > 50% (prev 56.57%; Δ 0.50% > 0%) |
| Interest Coverage Ratio: -4.12 > 6 (EBITDA TTM 4.37b / Interest Expense TTM -665.8m) |
Altman Z'' 7.33
| A: 0.57 (Total Current Assets 19.67b - Total Current Liabilities 4.76b) / Total Assets 26.29b |
| B: 0.45 (Retained Earnings 11.82b / Total Assets 26.29b) |
| C: 0.11 (EBIT TTM 2.75b / Avg Total Assets 24.53b) |
| D: 1.33 (Book Value of Equity 12.70b / Total Liabilities 9.58b) |
| Altman-Z'' Score: 7.33 = AAA |
Beneish M -2.48
| DSRI: 1.54 (Receivables 10.26b/6.15b, Revenue 14.00b/12.89b) |
| GMI: 1.00 (GM 80.14% / 79.90%) |
| AQI: 1.00 (AQ_t 0.23 / AQ_t-1 0.23) |
| SGI: 1.09 (Revenue 14.00b / 12.89b) |
| TATA: 0.04 (NI 2.80b - CFO 1.70b) / TA 26.29b) |
| Beneish M-Score: -2.48 (Cap -4..+1) = BBB |
What is the price of FINV shares?
Over the past week, the price has changed by +3.31%, over one month by +0.00%, over three months by -11.96% and over the past year by -31.07%.
Is FINV a buy, sell or hold?
- StrongBuy: 8
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FINV price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 11 | 107.7% |
| Analysts Target Price | 11 | 107.7% |
| ValueRay Target Price | 5.4 | 2.6% |
FINV Fundamental Data Overview February 02, 2026
P/E Trailing = 4.0133
P/E Forward = 3.6724
P/S = 0.0951
P/B = 0.5396
Revenue TTM = 14.00b CNY
EBIT TTM = 2.75b CNY
EBITDA TTM = 4.37b CNY
Long Term Debt = 1.03b CNY (from longTermDebt, last quarter)
Short Term Debt = 91.8m CNY (from shortTermDebt, last quarter)
Debt = 1.15b CNY (from shortLongTermDebtTotal, last quarter)
Net Debt = -3.09b CNY (from netDebt column, last quarter)
Enterprise Value = 4.70b CNY (10.59b + Debt 1.15b - CCE 7.04b)
Interest Coverage Ratio = -4.12 (Ebit TTM 2.75b / Interest Expense TTM -665.8m)
EV/FCF = 2.78x (Enterprise Value 4.70b / FCF TTM 1.69b)
FCF Yield = 35.99% (FCF TTM 1.69b / Enterprise Value 4.70b)
FCF Margin = 12.09% (FCF TTM 1.69b / Revenue TTM 14.00b)
Net Margin = 19.99% (Net Income TTM 2.80b / Revenue TTM 14.00b)
Gross Margin = 80.14% ((Revenue TTM 14.00b - Cost of Revenue TTM 2.78b) / Revenue TTM)
Gross Margin QoQ = 78.26% (prev 81.15%)
Tobins Q-Ratio = 0.18 (Enterprise Value 4.70b / Total Assets 26.29b)
Interest Expense / Debt = 12.73% (Interest Expense 146.1m / Debt 1.15b)
Taxrate = 17.48% (135.7m / 776.5m)
NOPAT = 2.27b (EBIT 2.75b * (1 - 17.48%))
Current Ratio = 4.14 (Total Current Assets 19.67b / Total Current Liabilities 4.76b)
Debt / Equity = 0.07 (Debt 1.15b / totalStockholderEquity, last quarter 16.40b)
Debt / EBITDA = -0.71 (Net Debt -3.09b / EBITDA 4.37b)
Debt / FCF = -1.83 (Net Debt -3.09b / FCF TTM 1.69b)
Total Stockholder Equity = 15.71b (last 4 quarters mean from totalStockholderEquity)
RoA = 11.41% (Net Income 2.80b / Total Assets 26.29b)
RoE = 17.81% (Net Income TTM 2.80b / Total Stockholder Equity 15.71b)
RoCE = 16.40% (EBIT 2.75b / Capital Employed (Equity 15.71b + L.T.Debt 1.03b))
RoIC = 13.92% (NOPAT 2.27b / Invested Capital 16.28b)
WACC = 8.11% (E(10.59b)/V(11.74b) * Re(7.85%) + D(1.15b)/V(11.74b) * Rd(12.73%) * (1-Tc(0.17)))
Discount Rate = 7.85% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -0.66%
[DCF Debug] Terminal Value 80.90% ; FCFF base≈2.46b ; Y1≈3.03b ; Y5≈5.16b
Fair Price DCF = 631.1 (EV 85.32b - Net Debt -3.09b = Equity 88.41b / Shares 140.1m; r=8.11% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 4.91 | EPS CAGR: -63.97% | SUE: -1.36 | # QB: 0
Revenue Correlation: 91.79 | Revenue CAGR: 9.89% | SUE: 3.28 | # QB: 5
EPS next Year (2026-12-31): EPS=12.17 | Chg30d=-0.530 | Revisions Net=-1 | Growth EPS=+7.0% | Growth Revenue=+8.0%