(FINV) FinVolution - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NYSE (USA) | Market Cap: 1.328m USD | Total Return: -35.5% in 12m
Online Loans, Credit, Finance, Platform
Total Rating 21
Safety 34
Buy Signal -1.14
Credit Services
Industry Rotation: -5.6
Industry Rotation: -5.6
Market Cap:
1.33B
Avg Turnover: 5.18M USD
Avg Turnover: 5.18M USD
ATR:
5.39%
Peers RS (IBD): 18.3
Peers RS (IBD): 18.3
Risk 5d forecast
Volatility53.1%
Rel. Tail Risk-2.81%
Reward TTM
Sharpe Ratio-0.79
Alpha-69.57
Character TTM
Beta0.841
Beta Downside1.149
Drawdowns 3y
Max DD56.42%
CAGR/Max DD0.23
EPS (Earnings per Share)
EPS CAGR: -0.59%
EPS Trend: 29.8%
EPS Trend: 29.8%
Last SUE: -0.26
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 5.42%
Rev. Trend: 76.0%
Rev. Trend: 76.0%
Last SUE: -0.31
Qual. Beats: 0
Qual. Beats: 0
Warnings
Choppy
Tailwinds
No distinct edge detected
Description: FINV FinVolution
FinVolution Group (FINV) is a Chinese investment holding company operating in the online consumer finance sector. The company provides lending and financial services through platforms like ppdai.com, PPDai mobile application, KOO Virtual Credit, AdaKami, and JuanHand. Online consumer finance platforms typically leverage technology to streamline loan applications and approvals.
Founded in 2007 and headquartered in Shanghai, FinVolution Group rebranded from PPDAI Group Inc. in November 2019. The companys business model focuses on connecting borrowers with lenders through digital channels, a common practice in the rapidly evolving fintech industry.
Further research on ValueRay can provide deeper insights into FINVs financial performance and market position.
- Chinese regulatory scrutiny impacts online lending platforms
- Indonesian and international expansion drives loan volume
- Interest rate caps compress net interest margin
- Economic slowdown reduces consumer borrowing demand
Piotroski VR‑10 (Strict)
4.0
| Net Income: 2.54b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA -8.61 > 1.0 |
| NWC/Revenue: 91.62% < 20% (prev 128.8%; Δ -37.15% < -1%) |
| CFO/TA 0.07 > 3% & CFO 1.70b > Net Income 2.54b |
| Net Debt (-7.89b) to EBITDA (3.00b): -2.63 < 3 |
| Current Ratio: 73.69 > 1.5 & < 3 |
| Outstanding Shares: last quarter (265.7m) vs 12m ago -79.62% < -2% |
| Gross Margin: 78.65% > 18% (prev 0.79%; Δ 7.79k% > 0.5%) |
| Asset Turnover: 55.17% > 50% (prev 55.35%; Δ -0.17% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBITDA TTM and Interest Expense TTM) |
Altman Z''
6.59
| A: 0.49 (Total Current Assets 12.56b - Total Current Liabilities 170.5m) / Total Assets 25.43b |
| B: 0.47 (Retained Earnings 12.06b / Total Assets 25.43b) |
| C: 0.04 (EBIT TTM 883.2m / Avg Total Assets 24.52b) |
| D: 1.53 (Book Value of Equity 13.12b / Total Liabilities 8.58b) |
| Altman-Z'' Score: 6.59 = AAA |
Beneish M
-1.54
| DSRI: 1.34 (Receivables 3.35b/2.41b, Revenue 13.53b/13.07b) |
| GMI: 1.01 (GM 78.65% / 79.32%) |
| AQI: 2.92 (AQ_t 0.48 / AQ_t-1 0.16) |
| SGI: 1.04 (Revenue 13.53b / 13.07b) |
| TATA: 0.03 (NI 2.54b - CFO 1.70b) / TA 25.43b) |
| Beneish M-Score: -1.54 (Cap -4..+1) = CCC |
What is the price of FINV shares?
As of April 13, 2026, the stock is trading at USD 4.95 with a total of 659,376 shares traded.
Over the past week, the price has changed by -3.13%, over one month by -5.35%, over three months by -3.70% and over the past year by -35.47%.
Over the past week, the price has changed by -3.13%, over one month by -5.35%, over three months by -3.70% and over the past year by -35.47%.
Is FINV a buy, sell or hold?
FinVolution has received a consensus analysts rating of 5.00.
Therefore, it is recommended to buy FINV.
- StrongBuy: 8
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FINV price?
| Analysts Target Price | 7.7 | 54.5% |
FinVolution (FINV) - Fundamental Data Overview
as of 08 April 2026
P/E Trailing = 3.6763 P/E Forward = 3.6724
P/S = 0.0979
P/B = 0.5084
Revenue TTM = 13.53b USD
EBIT TTM = 883.2m USD
EBITDA TTM = 3.00b USD
Long Term Debt = 1.03b USD (from longTermDebt, two quarters ago)
Short Term Debt = 170.5m USD (from shortTermDebt, last quarter)
Debt = 1.32b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -7.89b USD (recalculated: Debt 1.32b - CCE 9.22b)
Enterprise Value = 1.33b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = unknown (Ebit TTM 883.2m / Interest Expense TTM 0.0)
EV/FCF = 0.78x (Enterprise Value 1.33b / FCF TTM 1.69b)
FCF Yield = 127.4% (FCF TTM 1.69b / Enterprise Value 1.33b)
FCF Margin = 12.51% (FCF TTM 1.69b / Revenue TTM 13.53b)
Net Margin = 18.75% (Net Income TTM 2.54b / Revenue TTM 13.53b)
Gross Margin = 78.65% ((Revenue TTM 13.53b - Cost of Revenue TTM 2.89b) / Revenue TTM)
Gross Margin QoQ = 71.98% (prev 78.26%)
Tobins Q-Ratio = 0.05 (Enterprise Value 1.33b / Total Assets 25.43b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 1.32b)
Taxrate = 17.46% (86.7m / 496.5m)
NOPAT = 729.0m (EBIT 883.2m * (1 - 17.46%))
Current Ratio = 73.69 (Total Current Assets 12.56b / Total Current Liabilities 170.5m)
Debt / Equity = 0.08 (Debt 1.32b / totalStockholderEquity, last quarter 16.56b)
Debt / EBITDA = -2.63 (Net Debt -7.89b / EBITDA 3.00b)
Debt / FCF = -4.66 (Net Debt -7.89b / FCF TTM 1.69b)
Total Stockholder Equity = 16.05b (last 4 quarters mean from totalStockholderEquity)
RoA = 10.35% (Net Income 2.54b / Total Assets 25.43b)
RoE = 15.80% (Net Income TTM 2.54b / Total Stockholder Equity 16.05b)
RoCE = 5.17% (EBIT 883.2m / Capital Employed (Equity 16.05b + L.T.Debt 1.03b))
RoIC = 4.38% (NOPAT 729.0m / Invested Capital 16.63b)
WACC = 4.48% (E(1.33b)/V(2.65b) * Re(8.94%) + D(1.32b)/V(2.65b) * Rd(0.0%) * (1-Tc(0.17)))
Discount Rate = 8.94% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.44%
[DCF] Terminal Value 88.44% ; FCFF base≈2.46b ; Y1≈3.03b ; Y5≈5.17b
[DCF] Fair Price = 1.13k (EV 150.00b - Net Debt -7.89b = Equity 157.89b / Shares 140.1m; r=6.0% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 29.81 | EPS CAGR: -0.59% | SUE: -0.26 | # QB: 0
Revenue Correlation: 75.97 | Revenue CAGR: 5.42% | SUE: -0.31 | # QB: 0
EPS current Year (2026-12-31): EPS=8.26 | Chg7d=+0.000 | Chg30d=-0.241 | Revisions Net=-3 | Growth EPS=-18.6% | Growth Revenue=-6.5%
EPS next Year (2027-12-31): EPS=10.00 | Chg7d=+0.000 | Chg30d=-0.586 | Revisions Net=-1 | Growth EPS=+21.1% | Growth Revenue=+10.7%
[Analyst] Revisions Ratio: -1.00 (0 Up / 3 Down within 30d for Current Year)
[Growth] Implied Growth Rate = -18.3% (Discount Rate 8.9% - Earnings Yield 27.2%)
[Growth] Growth Spread = +29.0% (Analyst 10.7% - Implied -18.3%)
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