(FINV) FinVolution - Overview
Exchange: NYSE •
Country: China •
Currency: USD •
Type: Common Stock •
ISIN: US31810T1016
Stock: Online Loans, Credit, Finance, Platform
Total Rating 29
Risk 72
Buy Signal -0.81
| Risk 5d forecast | |
|---|---|
| Volatility | 43.8% |
| Relative Tail Risk | -1.22% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.74 |
| Alpha | -51.44 |
| Character TTM | |
|---|---|
| Beta | 0.874 |
| Beta Downside | 1.708 |
| Drawdowns 3y | |
|---|---|
| Max DD | 55.28% |
| CAGR/Max DD | 0.17 |
EPS (Earnings per Share)
Revenue
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.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 2.80b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -9.38 > 1.0 |
| NWC/Revenue: 106.5% < 20% (prev 98.64%; Δ 7.86% < -1%) |
| CFO/TA 0.06 > 3% & CFO 1.70b > Net Income 2.80b |
| Net Debt (-3.09b) to EBITDA (4.37b): -0.71 < 3 |
| Current Ratio: 4.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (269.9m) vs 12m ago 2.33% < -2% |
| Gross Margin: 80.14% > 18% (prev 0.80%; Δ 7934 % > 0.5%) |
| Asset Turnover: 57.07% > 50% (prev 56.57%; Δ 0.50% > 0%) |
| Interest Coverage Ratio: -4.12 > 6 (EBITDA TTM 4.37b / Interest Expense TTM -665.8m) |
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 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) |
| Altman-Z'' Score: 7.33 = AAA |
Beneish M -2.48
| DSRI: 1.54 (Receivables 10.26b/6.15b, Revenue 14.00b/12.89b) |
| GMI: 1.00 (GM 80.14% / 79.90%) |
| AQI: 1.00 (AQ_t 0.23 / AQ_t-1 0.23) |
| SGI: 1.09 (Revenue 14.00b / 12.89b) |
| TATA: 0.04 (NI 2.80b - CFO 1.70b) / TA 26.29b) |
| Beneish M-Score: -2.48 (Cap -4..+1) = BBB |
What is the price of FINV shares?
As of March 07, 2026, the stock is trading at USD 5.17 with a total of 904,049 shares traded.
Over the past week, the price has changed by -8.01%, over one month by -2.45%, over three months by -3.36% and over the past year by -36.28%.
Over the past week, the price has changed by -8.01%, over one month by -2.45%, over three months by -3.36% and over the past year by -36.28%.
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 | 113% |
| Analysts Target Price | 11 | 113% |
FINV Fundamental Data Overview March 07, 2026
Market Cap CNY = 10.51b (1.53b USD * 6.8915 USD.CNY)
P/E Trailing = 4.0133
P/E Forward = 3.6724
P/S = 0.0969
P/B = 0.561
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 = 4.62b CNY (10.51b + Debt 1.15b - CCE 7.04b)
Interest Coverage Ratio = -4.12 (Ebit TTM 2.75b / Interest Expense TTM -665.8m)
EV/FCF = 2.73x (Enterprise Value 4.62b / FCF TTM 1.69b)
FCF Yield = 36.59% (FCF TTM 1.69b / Enterprise Value 4.62b)
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 4.62b / 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 = 9.27% (E(10.51b)/V(11.66b) * Re(9.13%) + D(1.15b)/V(11.66b) * Rd(12.73%) * (1-Tc(0.17)))
Discount Rate = 9.13% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.66%
[DCF] Terminal Value 77.26% ; FCFF base≈2.46b ; Y1≈3.03b ; Y5≈5.16b
[DCF] Fair Price = 517.0 (EV 69.33b - Net Debt -3.09b = Equity 72.42b / Shares 140.1m; r=9.27% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 4.95 | EPS CAGR: -63.97% | SUE: -1.35 | # QB: 0
Revenue Correlation: 91.79 | Revenue CAGR: 9.89% | SUE: 3.28 | # QB: 5
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%
P/E Trailing = 4.0133
P/E Forward = 3.6724
P/S = 0.0969
P/B = 0.561
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 = 4.62b CNY (10.51b + Debt 1.15b - CCE 7.04b)
Interest Coverage Ratio = -4.12 (Ebit TTM 2.75b / Interest Expense TTM -665.8m)
EV/FCF = 2.73x (Enterprise Value 4.62b / FCF TTM 1.69b)
FCF Yield = 36.59% (FCF TTM 1.69b / Enterprise Value 4.62b)
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 4.62b / 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 = 9.27% (E(10.51b)/V(11.66b) * Re(9.13%) + D(1.15b)/V(11.66b) * Rd(12.73%) * (1-Tc(0.17)))
Discount Rate = 9.13% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.66%
[DCF] Terminal Value 77.26% ; FCFF base≈2.46b ; Y1≈3.03b ; Y5≈5.16b
[DCF] Fair Price = 517.0 (EV 69.33b - Net Debt -3.09b = Equity 72.42b / Shares 140.1m; r=9.27% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 4.95 | EPS CAGR: -63.97% | SUE: -1.35 | # QB: 0
Revenue Correlation: 91.79 | Revenue CAGR: 9.89% | SUE: 3.28 | # QB: 5
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%