(FINV) FinVolution - Ratings and Ratios

Exchange: NYSE • Country: China • Currency: USD • Type: Common Stock • ISIN: US31810T1016

Online Consumer Lending, Virtual Credit, Microlending, Financial Services

Consumer Finance
Market Cap in USD: 1,526m
IPO / Inception: 2017-11-10
12m vs SPY: -33.5%

EPS (Earnings per Share)

EPS (Earnings per Share) of FINV over the last years for every Quarter: "2020-12": 1.72, "2021-03": 2, "2021-06": 0.42, "2021-09": 0.43, "2021-12": 2.21, "2022-03": 1.81, "2022-06": 0.19, "2022-09": 0.19, "2022-12": 1.91, "2023-03": 0.07, "2023-06": 1.95, "2023-09": 2.05, "2023-12": 0.2653, "2024-03": 0.2737, "2024-06": 0.2852, "2024-09": 0.48, "2024-12": 2.61, "2025-03": 2.85, "2025-06": 2.8, "2025-09": 0.3253, "2025-12": 0,
EPS CAGR: -63.97%
EPS Trend: 4.9%
Last SUE: -1.36
Qual. Beats: 0

Revenue

Revenue of FINV over the last years for every Quarter: 2020-12: 1852.992, 2021-03: 2112.893, 2021-06: 2384.1, 2021-09: 2525.112, 2021-12: 2448.023, 2022-03: 2446.794, 2022-06: 2665.988, 2022-09: 2971.445, 2022-12: 3049.976, 2023-03: 3050.643, 2023-06: 3075.678, 2023-09: 3197.527, 2023-12: 3276.711, 2024-03: 3165.081, 2024-06: 3168, 2024-09: 3276.051, 2024-12: 3456.692, 2025-03: 3481.041, 2025-06: 3577.951, 2025-09: 3486.607, 2025-12: null,
Rev. CAGR: 9.89%
Rev. Trend: 91.8%
Last SUE: 3.28
Qual. Beats: 5

Dividends

Dividend Yield 3.84%
Yield on Cost 5y 9.86%
Yield CAGR 5y 12.98%
Payout Consistency 95.0%
Payout Ratio 3.3%
Risk via 5d forecast
Volatility 36.5%
Value at Risk 5%th 59.9%
Relative Tail Risk -0.18%
Reward TTM
Sharpe Ratio -0.28
Alpha -32.85
CAGR/Max DD 0.07
Character TTM
Hurst Exponent 0.426
Beta 0.542
Beta Downside 0.914
Drawdowns 3y
Max DD 55.28%
Mean DD 17.19%
Median DD 15.99%

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) 3.5

Net Income (2.80b TTM) > 0 and > 6% of Revenue (6% = 840.1m TTM)
FCFTA 0.06 (>2.0%) and ΔFCFTA -9.38pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 106.5% (prev 98.64%; Δ 7.86pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.06 (>3.0%) and CFO 1.70b <= Net Income 2.80b (YES >=105%, WARN >=100%)
Net Debt (-3.09b) to EBITDA (4.37b) ratio: -0.71 <= 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 (269.9m) change vs 12m ago 2.33% (target <= -2.0% for YES)
Gross Margin 80.14% (prev 79.90%; Δ 0.24pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 57.07% (prev 56.57%; Δ 0.50pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio -4.12 (EBITDA TTM 4.37b / Interest Expense TTM -665.8m) >= 6 (WARN >= 3)

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 (Balance) 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
Total Rating: 7.33 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 77.33

1. Piotroski 3.50pt
2. FCF Yield 35.58%
3. FCF Margin 12.09%
4. Debt/Equity 0.07
5. Debt/Ebitda -0.71
6. ROIC - WACC (= 5.76)%
7. RoE 17.81%
8. Rev. Trend 91.79%
9. EPS Trend 4.91%

What is the price of FINV shares?

As of January 14, 2026, the stock is trading at USD 5.22 with a total of 996,377 shares traded.
Over the past week, the price has changed by -1.51%, over one month by +0.97%, over three months by -22.32% and over the past year by -19.75%.

Is FINV a buy, sell or hold?

FinVolution has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy FINV.
  • 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 11 110.9%
Analysts Target Price 11 110.9%
ValueRay Target Price 5.1 -3.3%

FINV Fundamental Data Overview January 10, 2026

Market Cap CNY = 10.65b (1.53b USD * 6.978 USD.CNY)
P/E Trailing = 4.0133
P/E Forward = 3.6724
P/S = 0.0958
P/B = 0.5591
Beta = 0.416
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 = 4.76b CNY (10.65b + Debt 1.15b - CCE 7.04b)
Interest Coverage Ratio = -4.12 (Ebit TTM 2.75b / Interest Expense TTM -665.8m)
EV/FCF = 2.81x (Enterprise Value 4.76b / FCF TTM 1.69b)
FCF Yield = 35.58% (FCF TTM 1.69b / Enterprise Value 4.76b)
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 4.76b / 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 = 8.16% (E(10.65b)/V(11.79b) * Re(7.91%) + D(1.15b)/V(11.79b) * Rd(12.73%) * (1-Tc(0.17)))
Discount Rate = 7.91% (= 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 80.73% ; FCFF base≈2.46b ; Y1≈3.03b ; Y5≈5.16b
Fair Price DCF = 624.8 (EV 84.43b - Net Debt -3.09b = Equity 87.52b / Shares 140.1m; r=8.16% [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%

Additional Sources for FINV Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle