(FINV) FinVolution - Overview

Sector: Financial ServicesIndustry: Credit Services | Exchange NYSE (USA) | Currency USD | Market Cap: 1.526m | Total Return -53.8% in 12m

Stock: Online Loans, Credit, Finance, Platform

Total Rating 18

Risk 32

Buy Signal -1.36

Credit Services +4.7
Consumer Finance +3.3

Market Cap: 1,526m
Avg Trading Vol: 6.45M USD

ATR: 6.03%
Peers RS (IBD): 18.3

Risk 5d forecast
Volatility	64.6%
Relative Tail Risk	-3.54%

Reward TTM
Sharpe Ratio	-1.44
Alpha	-62.08

Character TTM
Beta	0.833
Beta Downside	1.152

Drawdowns 3y
Max DD	56.42%
CAGR/Max DD	0.16

EPS (Earnings per Share)

EPS CAGR: -63.97%
EPS Trend: 5.0%

Last SUE: -1.35
Qual. Beats: 0

Revenue

Rev. CAGR: 5.42%
Rev. Trend: 76.0%

Last SUE: -0.31
Qual. Beats: 0

Description: FINV FinVolution March 05, 2026

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.

Headlines to watch out for

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, 0-10) 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 (-4.88b) to EBITDA (3.00b): -1.63 < 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: -0.40 > 6 (EBITDA TTM 3.00b / Interest Expense TTM -2.21b)

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 March 29, 2026, the stock is trading at USD 4.66 with a total of 1,079,955 shares traded.
Over the past week, the price has changed by -14.96%, over one month by -17.08%, over three months by -10.56% and over the past year by -53.77%.

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?

Issuer	Target	Up/Down from current
Wallstreet Target Price	11	136.3%
Analysts Target Price	11	136.3%

FINV Fundamental Data Overview March 29, 2026

P/E Trailing = 4.0133
P/E Forward = 3.6724
P/S = 0.0998
P/B = 0.5622
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 = -4.88b USD (from netDebt column, last quarter)
Enterprise Value = -6.37b USD (1.53b + Debt 1.32b - CCE 9.22b)
Interest Coverage Ratio = -0.40 (Ebit TTM 883.2m / Interest Expense TTM -2.21b)
EV/FCF = -3.76x (Enterprise Value -6.37b / FCF TTM 1.69b)
FCF Yield = -26.57% (FCF TTM 1.69b / Enterprise Value -6.37b)
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 = -0.25 (set to none) (Enterprise Value -6.37b / Total Assets 25.43b)
Interest Expense / Debt = 11.03% (Interest Expense 146.1m / 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 = -1.63 (Net Debt -4.88b / EBITDA 3.00b)
Debt / FCF = -2.88 (Net Debt -4.88b / 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 = 9.00% (E(1.53b)/V(2.85b) * Re(8.91%) + D(1.32b)/V(2.85b) * Rd(11.03%) * (1-Tc(0.17)))
Discount Rate = 8.91% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.44%
[DCF] Terminal Value 78.39% ; FCFF base≈2.46b ; Y1≈3.03b ; Y5≈5.17b
[DCF] Fair Price = 560.1 (EV 73.58b - Net Debt -4.88b = Equity 78.46b / Shares 140.1m; r=9.00% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 4.95 | EPS CAGR: -63.97% | SUE: -1.35 | # QB: 0
Revenue Correlation: 75.97 | Revenue CAGR: 5.42% | SUE: -0.31 | # QB: 0
EPS next Year (2026-12-31): EPS=12.17 | Chg7d=+0.000 | Chg30d=-0.530 | Revisions Net=-1 | Growth EPS=+7.0% | Growth Revenue=+8.0%

Additional Sources for FINV Stock

Fund Manager Positions: Dataroma | Stockcircle