(FINV) FinVolution - Ratings and Ratios
Online Lending, Consumer Credit, Microloans, Financial Services
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.55% |
| Yield on Cost 5y | 15.83% |
| Yield CAGR 5y | 18.55% |
| Payout Consistency | 94.3% |
| Payout Ratio | 3.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 64.7% |
| Value at Risk 5%th | 106% |
| Relative Tail Risk | -0.67% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.22 |
| Alpha | -27.39 |
| CAGR/Max DD | 0.11 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.441 |
| Beta | 0.534 |
| Beta Downside | 0.953 |
| Drawdowns 3y | |
|---|---|
| Max DD | 55.28% |
| Mean DD | 15.24% |
| Median DD | 15.29% |
Description: FINV FinVolution November 11, 2025
FinVolution Group (NYSE:FINV) is a Shanghai-based investment holding company that provides online consumer finance services across mainland China, Indonesia, and other international markets. Its digital lending ecosystem includes the ppdai.com website and mobile app, KOO Virtual Credit, AdaKami, and JuanHand, which together offer unsecured personal loans, credit lines, and other tailored financial products.
According to the most recent Form 10-K (FY 2023), the company generated approximately $210 million in revenue, with a total loan portfolio of roughly $2.1 billion. The non-performing loan (NPL) ratio stood at 4.2 %-a modest improvement over the prior year-while the firm reported a net loss of $45 million, reflecting continued investment in technology and market expansion. Cash and cash equivalents were $120 million at year-end, providing a liquidity buffer amid tightening credit conditions.
The Chinese consumer finance sector is being reshaped by three key drivers: (1) a slowdown in household consumption growth as GDP expands at a slower pace, (2) stricter regulatory oversight on online lending platforms that has raised compliance costs, and (3) rising competition from fintech giants leveraging big-data analytics to capture credit-worthy borrowers. FinVolution’s focus on diversified geographic exposure (including Indonesia’s fast-growing digital credit market) and its proprietary risk-scoring algorithms are intended to mitigate these headwinds.
For a deeper, data-driven assessment of FinVolution’s valuation and risk profile, you may find the analytics on ValueRay worth exploring.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (2.80b TTM) > 0 and > 6% of Revenue (6% = 827.5m TTM) |
| FCFTA 0.09 (>2.0%) and ΔFCFTA -0.62pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 105.7% (prev 90.61%; Δ 15.10pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.09 (>3.0%) and CFO 2.41b <= Net Income 2.80b (YES >=105%, WARN >=100%) |
| Net Debt (-4.16b) to EBITDA (4.18b) ratio: -1.00 <= 3.0 (WARN <= 3.5) |
| Current Ratio 4.14 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (264.6m) change vs 12m ago 1.81% (target <= -2.0% for YES) |
| Gross Margin 80.96% (prev 80.43%; Δ 0.53pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 57.95% (prev 58.34%; Δ -0.39pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 10.81 (EBITDA TTM 4.18b / Interest Expense TTM 344.6m) >= 6 (WARN >= 3) |
Altman Z'' 7.54
| (A) 0.57 = (Total Current Assets 19.23b - Total Current Liabilities 4.65b) / Total Assets 25.65b |
| (B) 0.44 = Retained Earnings (Balance) 11.19b / Total Assets 25.65b |
| (C) 0.16 = EBIT TTM 3.73b / Avg Total Assets 23.80b |
| (D) 1.28 = Book Value of Equity 12.12b / Total Liabilities 9.50b |
| Total Rating: 7.54 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 85.06
| 1. Piotroski 4.50pt |
| 2. FCF Yield 59.31% |
| 3. FCF Margin 17.39% |
| 4. Debt/Equity 0.07 |
| 5. Debt/Ebitda -1.00 |
| 6. ROIC - WACC (= 11.76)% |
| 7. RoE 18.35% |
| 8. Rev. Trend 93.50% |
| 9. EPS Trend 3.55% |
What is the price of FINV shares?
Over the past week, the price has changed by +5.27%, over one month by -15.71%, over three months by -40.24% and over the past year by -25.81%.
Is FINV a buy, sell or hold?
- Strong Buy: 8
- Buy: 0
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the FINV price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 11 | 120.6% |
| Analysts Target Price | 11 | 120.6% |
| ValueRay Target Price | 4.9 | -1.6% |
FINV Fundamental Data Overview November 22, 2025
P/E Trailing = 4.0133
P/E Forward = 3.6724
P/S = 0.0897
P/B = 0.6317
Beta = 0.416
Revenue TTM = 13.79b CNY
EBIT TTM = 3.73b CNY
EBITDA TTM = 4.18b CNY
Long Term Debt = 1.03b CNY (from longTermDebt, last quarter)
Short Term Debt = 67.3m CNY (from shortTermDebt, last quarter)
Debt = 1.14b CNY (from shortLongTermDebtTotal, last quarter)
Net Debt = -4.16b CNY (from netDebt column, last quarter)
Enterprise Value = 4.04b CNY (10.80b + Debt 1.14b - CCE 7.89b)
Interest Coverage Ratio = 10.81 (Ebit TTM 3.73b / Interest Expense TTM 344.6m)
FCF Yield = 59.31% (FCF TTM 2.40b / Enterprise Value 4.04b)
FCF Margin = 17.39% (FCF TTM 2.40b / Revenue TTM 13.79b)
Net Margin = 20.29% (Net Income TTM 2.80b / Revenue TTM 13.79b)
Gross Margin = 80.96% ((Revenue TTM 13.79b - Cost of Revenue TTM 2.63b) / Revenue TTM)
Gross Margin QoQ = 81.15% (prev 82.18%)
Tobins Q-Ratio = 0.16 (Enterprise Value 4.04b / Total Assets 25.65b)
Interest Expense / Debt = 5.26% (Interest Expense 59.7m / Debt 1.14b)
Taxrate = 19.21% (178.7m / 930.0m)
NOPAT = 3.01b (EBIT 3.73b * (1 - 19.21%))
Current Ratio = 4.14 (Total Current Assets 19.23b / Total Current Liabilities 4.65b)
Debt / Equity = 0.07 (Debt 1.14b / totalStockholderEquity, last quarter 15.80b)
Debt / EBITDA = -1.00 (Net Debt -4.16b / EBITDA 4.18b)
Debt / FCF = -1.74 (Net Debt -4.16b / FCF TTM 2.40b)
Total Stockholder Equity = 15.25b (last 4 quarters mean from totalStockholderEquity)
RoA = 10.91% (Net Income 2.80b / Total Assets 25.65b)
RoE = 18.35% (Net Income TTM 2.80b / Total Stockholder Equity 15.25b)
RoCE = 22.89% (EBIT 3.73b / Capital Employed (Equity 15.25b + L.T.Debt 1.03b))
RoIC = 19.38% (NOPAT 3.01b / Invested Capital 15.53b)
WACC = 7.62% (E(10.80b)/V(11.94b) * Re(7.98%) + D(1.14b)/V(11.94b) * Rd(5.26%) * (1-Tc(0.19)))
Discount Rate = 7.98% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -33.33 | Cagr: -1.65%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈2.31b ; Y1≈2.86b ; Y5≈4.87b
Fair Price DCF = 591.6 (DCF Value 82.86b / Shares Outstanding 140.1m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 3.55 | EPS CAGR: -55.19% | SUE: 0.0 | # QB: 0
Revenue Correlation: 93.50 | Revenue CAGR: 9.74% | SUE: 3.28 | # QB: 5
Additional Sources for FINV Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle