FINV Stock Analysis: FinVolution | NYSE
Credit Services | NYSE, USA | Market Cap: 1.131m USD | 12M Return: -48.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.14M
EPS Trend: 38.4%
Rev. Trend: 88.7%
Warnings
Tailwinds
No distinct edge detected
Seasonality 8.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
FinVolution Group (NYSE: FINV) is a Shanghai-headquartered investment holding company that operates online consumer finance platforms in China, Indonesia, the Philippines, and other international markets. Founded in 2007 and listed on the NYSE in November 2017, the company rebranded from PPDAI Group Inc. to its current name in November 2019. Its core platform operates through ppdai.com and the PPDai mobile application in China, while its Southeast Asian footprint is anchored by Indonesia-based AdaKami (an online loan platform) and the Philippines-based JuanHand (offering lending and personalized financial services). The business is classified within the GICS Consumer Finance sub-industry, and online consumer finance platforms in this space typically generate revenue by facilitating loan originations between borrowers and institutional funding partners or individual investors, charging service fees on matched transactions.
- China regulation pressures domestic loan volume growth
- Southeast Asia platform expansion diversifies revenue base
- Rising loan delinquencies pressure credit costs and margins
| Net Income: 2.20b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -7.26 > 1.0 |
| NWC/Revenue: 90.15% < 20% (prev 99.89%; Δ -9.74% < -1%) |
| CFO/TA 0.07 > 3% & CFO 1.75b > Net Income 2.20b |
| Net Debt (-7.75b) to EBITDA (2.64b): -2.94 < 3 |
| Current Ratio: 63.35 > 1.5 & < 3 |
| Outstanding Shares: last quarter (256.8m) vs 12m ago -2.44% < -2% |
| Gross Margin: 77.14% > 18% (prev 79.20%; Δ -2.06% > 0.5%) |
| Asset Turnover: 52.92% > 50% (prev 54.78%; Δ -1.85% > 0%) |
| Interest Coverage Ratio: 89.56 > 6 (EBIT TTM 2.55b / Interest Expense TTM 28.5m) |
| A: 0.47 (Total Current Assets 12.1b - Total Current Liabilities 191.4m) / Total Assets 25.6b |
| B: 0.47 (Retained Earnings 11.9b / Total Assets 25.6b) |
| C: 0.10 (EBIT TTM 2.55b / Avg Total Assets 25.0b) |
| D: 1.78 (Book Value of Equity 16.2b / Total Liabilities 9.11b) |
| Altman-Z'' = 7.13 = AAA |
| DSRI: 1.27 (Receivables 9.94b/7.94b, Revenue 13.2b/13.4b) |
| GMI: 1.03 (GM 79.20% / 77.14%) |
| AQI: 2.28 (AQ_t 0.50 / AQ_t-1 0.22) |
| SGI: 0.99 (Revenue 13.2b / 13.4b) |
| TATA: 0.02 (NI 2.20b - CFO 1.75b) / TA 25.6b) |
| Beneish M = -2.03 (Cap -4..+1) = BB |
As of July 06, 2026, the stock is trading at USD 4.83 with a total of 368,100 shares traded. Over the past week, the price has changed by +2.55%, over one month by -2.03%, over three months by +0.52% and over the past year by -48.58%.
Current recommended Stop Loss: 4.50 (which is 6.8% or 1.7 ATR below the current price).
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
| Analysts Target Price | 7.3 | 50.1% |
Market Cap CNY = 7.67b (1.13b USD * 6.7805 USD.CNY)
P/E Trailing = 3.8629
P/E Forward = 3.6724
P/S = 0.0848
P/B = 0.4673
Revenue TTM = 13.2b CNY
EBIT TTM = 2.55b CNY
EBITDA TTM = 2.64b CNY
Long Term Debt = 1.14b CNY (from longTermDebt, last quarter)
Short Term Debt = 191.4m CNY (from shortTermDebt, last quarter)
Debt = 1.41b CNY (from shortLongTermDebtTotal, last quarter) + Leases 44.8m
Net Debt = -7.75b CNY (calculated: Debt 1.41b - CCE 9.16b)
Enterprise Value = 7.67b CNY (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 89.56 (Ebit TTM 2.55b / Interest Expense TTM 28.5m)
EV/FCF = 5.19x (Enterprise Value 7.67b / FCF TTM 1.48b)
FCF Yield = 19.27% (FCF TTM 1.48b / Enterprise Value 7.67b)
FCF Margin = 11.16% (FCF TTM 1.48b / Revenue TTM 13.2b)
Net Margin = 16.64% (Net Income TTM 2.20b / Revenue TTM 13.2b)
Gross Margin = 77.14% ((Revenue TTM 13.2b - Cost of Revenue TTM 3.03b) / Revenue TTM)
Gross Margin QoQ = 76.25% (prev 71.98%)
Tobins Q-Ratio = 0.30 (Enterprise Value 7.67b / Total Assets 25.6b)
Interest Expense / Debt = 2.01% (Interest Expense 28.5m / Debt 1.41b)
Taxrate = 18.19% (493.7m / 2.71b)
NOPAT = 2.09b (EBIT 2.55b * (1 - 18.19%))
Current Ratio = 63.35 (Total Current Assets 12.1b / Total Current Liabilities 191.4m)
Debt / Equity = 0.09 (Debt 1.41b / totalStockholderEquity, last quarter 16.2b)
Debt / EBITDA = -2.94 (Net Debt -7.75b / EBITDA 2.64b)
Debt / FCF = -5.24 (Net Debt -7.75b / FCF TTM 1.48b)
Total Stockholder Equity = 41.3b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.81% (Net Income 2.20b / Total Assets 25.6b)
RoE = 5.33% (Net Income TTM 2.20b / Total Stockholder Equity 41.3b)
RoCE = 6.01% (EBIT 2.55b / Capital Employed (Equity 41.3b + L.T.Debt 1.14b))
RoIC = 8.37% (NOPAT 2.09b / Invested Capital 24.9b)
WACC = 7.84% (E(7.67b)/V(9.08b) * Re(8.98%) + D(1.41b)/V(9.08b) * Rd(2.01%) * (1-Tc(0.18)))
Discount Rate = 8.98% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -15.56 | Cagr: -2.76%
[DCF] Terminal Value 73.10% ; FCFF base≈2.16b ; Y1≈1.89b ; Y5≈1.53b
[DCF] Fair Price = 263.2 (EV 24.6b - Net Debt -7.75b = Equity 32.3b / Shares 122.8m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 38.36 | EPS CAGR: 25.44% | SUE: N/A | # QB: 0
Revenue Correlation: 88.69 | Revenue CAGR: 4.34% | SUE: N/A | # QB: 0
EPS current Year (2026-12-31): EPS=8.31 | Chg30d=+0.57% | Revisions=+57% | GrowthEPS=-18.1% | GrowthRev=-6.2%
EPS next Year (2027-12-31): EPS=9.75 | Chg30d=-2.56% | Revisions=+29% | GrowthEPS=+17.3% | GrowthRev=+7.6%
[Analyst] Revisions Ratio: +55% (up=7, down=1)