(FINV) FinVolution - Ratings and Ratios
Online Lending, Consumer Credit, Microloans, Financial Services
Dividends
| Dividend Yield | 5.32% |
| Yield on Cost 5y | 15.14% |
| Yield CAGR 5y | 18.55% |
| Payout Consistency | 94.3% |
| Payout Ratio | 3.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 58.8% |
| Value at Risk 5%th | 95.7% |
| Relative Tail Risk | -1.01% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.33 |
| Alpha | -31.06 |
| CAGR/Max DD | 0.12 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.502 |
| Beta | 0.529 |
| Beta Downside | 0.936 |
| Drawdowns 3y | |
|---|---|
| Max DD | 55.28% |
| Mean DD | 15.59% |
| Median DD | 15.36% |
Description: FINV FinVolution November 11, 2025
FinVolution Group (NYSE:FINV) is a Shanghai-based investment holding company that provides online consumer finance services across mainland China, Indonesia, and other international markets. Its digital lending ecosystem includes the ppdai.com website and mobile app, KOO Virtual Credit, AdaKami, and JuanHand, which together offer unsecured personal loans, credit lines, and other tailored financial products.
According to the most recent Form 10-K (FY 2023), the company generated approximately $210 million in revenue, with a total loan portfolio of roughly $2.1 billion. The non-performing loan (NPL) ratio stood at 4.2 %-a modest improvement over the prior year-while the firm reported a net loss of $45 million, reflecting continued investment in technology and market expansion. Cash and cash equivalents were $120 million at year-end, providing a liquidity buffer amid tightening credit conditions.
The Chinese consumer finance sector is being reshaped by three key drivers: (1) a slowdown in household consumption growth as GDP expands at a slower pace, (2) stricter regulatory oversight on online lending platforms that has raised compliance costs, and (3) rising competition from fintech giants leveraging big-data analytics to capture credit-worthy borrowers. FinVolution’s focus on diversified geographic exposure (including Indonesia’s fast-growing digital credit market) and its proprietary risk-scoring algorithms are intended to mitigate these headwinds.
For a deeper, data-driven assessment of FinVolution’s valuation and risk profile, you may find the analytics on ValueRay worth exploring.
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) 77.59
| 1. Piotroski 3.50pt |
| 2. FCF Yield 34.56% |
| 3. FCF Margin 12.09% |
| 4. Debt/Equity 0.07 |
| 5. Debt/Ebitda -0.71 |
| 6. ROIC - WACC (= 5.72)% |
| 7. RoE 17.81% |
| 8. Rev. Trend 91.79% |
| 9. EPS Trend 11.12% |
What is the price of FINV shares?
Over the past week, the price has changed by +4.41%, over one month by -11.69%, over three months by -34.13% and over the past year by -21.41%.
Is FINV a buy, sell or hold?
- 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 | 111.3% |
| Analysts Target Price | 11 | 111.3% |
| ValueRay Target Price | 5.1 | -1.5% |
FINV Fundamental Data Overview December 05, 2025
P/E Trailing = 4.0133
P/E Forward = 3.6724
P/S = 0.0919
P/B = 0.5388
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 = 4.90b CNY (10.79b + Debt 1.15b - CCE 7.04b)
Interest Coverage Ratio = -4.12 (Ebit TTM 2.75b / Interest Expense TTM -665.8m)
FCF Yield = 34.56% (FCF TTM 1.69b / Enterprise Value 4.90b)
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 = 0.19 (Enterprise Value 4.90b / 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 = 10.64% (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 = 8.20% (E(10.79b)/V(11.93b) * Re(7.96%) + D(1.15b)/V(11.93b) * Rd(12.73%) * (1-Tc(0.17)))
Discount Rate = 7.96% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -33.33 | Cagr: -0.66%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈2.46b ; Y1≈3.03b ; Y5≈5.17b
Fair Price DCF = 627.8 (DCF Value 87.94b / Shares Outstanding 140.1m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 11.12 | EPS CAGR: -40.01% | SUE: 0.20 | # 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
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle