(FINV) FinVolution - Ratings and Ratios
Digital Loans, Installment Credit, Refinance
FINV EPS (Earnings per Share)
FINV Revenue
Description: FINV FinVolution
FinVolution Group, listed on the NYSE under the ticker symbol FINV, is a Chinese company operating in the consumer finance sub-industry. As a major player in Chinas online lending market, FinVolution Groups performance is closely tied to the countrys consumer credit landscape.
The companys financial health is reflected in its return on equity (ROE) of 17.58%, indicating a strong ability to generate profits from shareholders equity. With a forward price-to-earnings (P/E) ratio of 3.67, FinVolution Group appears to be undervalued relative to its expected earnings growth, presenting a potential investment opportunity.
Key economic drivers for FinVolution Group include Chinas consumer spending habits, regulatory policies governing online lending, and the overall state of the countrys economy. As Chinas middle class continues to grow, demand for consumer credit is likely to increase, potentially benefiting FinVolution Group. However, the company must navigate a complex regulatory environment, with the Chinese government periodically introducing new policies to manage the online lending industry.
To gauge FinVolution Groups performance, key performance indicators (KPIs) such as loan origination volume, delinquency rates, and operating expenses as a percentage of revenue are crucial. A steady increase in loan origination volume, coupled with manageable delinquency rates and efficient operating expenses, would indicate a healthy and scalable business model.
Investors should also monitor macroeconomic indicators such as Chinas GDP growth rate, inflation rate, and unemployment rate, as these can impact consumer credit demand and, subsequently, FinVolution Groups business. A robust economic growth environment, low unemployment, and moderate inflation could create a favorable backdrop for the companys operations.
FINV Stock Overview
| Market Cap in USD | 2,314m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2017-11-10 |
FINV Stock Ratings
| Growth Rating | 79.2% |
| Fundamental | 86.4% |
| Dividend Rating | 82.2% |
| Return 12m vs S&P 500 | 42.2% |
| Analyst Rating | 5.0 of 5 |
FINV Dividends
| Dividend Yield 12m | 3.44% |
| Yield on Cost 5y | 18.22% |
| Annual Growth 5y | 14.58% |
| Payout Consistency | 94.3% |
| Payout Ratio | 3.2% |
FINV Growth Ratios
| Growth Correlation 3m | -5.7% |
| Growth Correlation 12m | 90.2% |
| Growth Correlation 5y | 57% |
| CAGR 5y | 40.77% |
| CAGR/Max DD 5y | 0.58 |
| Sharpe Ratio 12m | 0.82 |
| Alpha | 52.86 |
| Beta | 0.431 |
| Volatility | 51.78% |
| Current Volume | 2624.7k |
| Average Volume 20d | 2188.8k |
| Stop Loss | 7.8 (-6.6%) |
| Signal | -1.36 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (2.60b TTM) > 0 and > 6% of Revenue (6% = 802.9m TTM) |
| FCFTA 0.14 (>2.0%) and ΔFCFTA 5.69pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 99.89% (prev 83.89%; Δ 16.00pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.14 (>3.0%) and CFO 3.37b > Net Income 2.60b (YES >=105%, WARN >=100%) |
| Net Debt (-5.35b) to EBITDA (3.74b) ratio: -1.43 <= 3.0 (WARN <= 3.5) |
| Current Ratio 3.64 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (263.2m) change vs 12m ago -1.88% (target <= -2.0% for YES) |
| Gross Margin 81.12% (prev 82.76%; Δ -1.65pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 58.40% (prev 59.42%; Δ -1.02pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM) |
Altman Z'' 7.46
| (A) 0.55 = (Total Current Assets 18.42b - Total Current Liabilities 5.05b) / Total Assets 24.43b |
| (B) 0.43 = Retained Earnings (Balance) 10.44b / Total Assets 24.43b |
| (C) 0.16 = EBIT TTM 3.73b / Avg Total Assets 22.91b |
| (D) 1.32 = Book Value of Equity 11.37b / Total Liabilities 8.63b |
| Total Rating: 7.46 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 86.37
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 28.77% = 5.0 |
| 3. FCF Margin 25.15% = 6.29 |
| 4. Debt/Equity 0.23 = 2.47 |
| 5. Debt/Ebitda 0.97 = 1.82 |
| 6. ROIC - WACC 14.62% = 12.50 |
| 7. RoE 17.58% = 1.47 |
| 8. Rev. Trend 90.15% = 4.51 |
| 9. Rev. CAGR 10.19% = 1.27 |
| 10. EPS Trend -7.32% = -0.18 |
| 11. EPS CAGR 12.36% = 1.24 |
What is the price of FINV shares?
Over the past week, the price has changed by -8.54%, over one month by -5.76%, over three months by -2.91% and over the past year by +67.28%.
Is FinVolution a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FINV is around 10.25 USD . This means that FINV is currently undervalued and has a potential upside of +22.75% (Margin of Safety).
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 | 11.4 | 35.9% |
| Analysts Target Price | 11.8 | 41.7% |
| ValueRay Target Price | 11.2 | 34.5% |
Last update: 2025-08-23 02:49
FINV Fundamental Data Overview
CCE Cash And Equivalents = 8.46b CNY (Cash And Short Term Investments, last quarter)
P/E Trailing = 6.5683
P/E Forward = 3.6724
P/S = 0.1726
P/B = 1.0753
Beta = 0.401
Revenue TTM = 13.38b CNY
EBIT TTM = 3.73b CNY
EBITDA TTM = 3.74b CNY
Long Term Debt = 3.58b CNY (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 27.0m CNY (from shortTermDebt, last quarter)
Debt = 3.61b CNY (Calculated: Short Term 27.0m + Long Term 3.58b)
Net Debt = -5.35b CNY (from netDebt column, last quarter)
Enterprise Value = 11.70b CNY (16.55b + Debt 3.61b - CCE 8.46b)
Interest Coverage Ratio = unknown (Ebit TTM 3.73b / Interest Expense TTM 0.0)
FCF Yield = 28.77% (FCF TTM 3.37b / Enterprise Value 11.70b)
FCF Margin = 25.15% (FCF TTM 3.37b / Revenue TTM 13.38b)
Net Margin = 19.44% (Net Income TTM 2.60b / Revenue TTM 13.38b)
Gross Margin = 81.12% ((Revenue TTM 13.38b - Cost of Revenue TTM 2.53b) / Revenue TTM)
Tobins Q-Ratio = 1.03 (Enterprise Value 11.70b / Book Value Of Equity 11.37b)
Interest Expense / Debt = 1.65% (Interest Expense 59.7m / Debt 3.61b)
Taxrate = 16.08% (from yearly Income Tax Expense: 457.4m / 2.85b)
NOPAT = 3.13b (EBIT 3.73b * (1 - 16.08%))
Current Ratio = 3.64 (Total Current Assets 18.42b / Total Current Liabilities 5.05b)
Debt / Equity = 0.23 (Debt 3.61b / last Quarter total Stockholder Equity 15.46b)
Debt / EBITDA = 0.97 (Net Debt -5.35b / EBITDA 3.74b)
Debt / FCF = 1.07 (Debt 3.61b / FCF TTM 3.37b)
Total Stockholder Equity = 14.80b (last 4 quarters mean)
RoA = 10.65% (Net Income 2.60b, Total Assets 24.43b )
RoE = 17.58% (Net Income TTM 2.60b / Total Stockholder Equity 14.80b)
RoCE = 20.27% (Ebit 3.73b / (Equity 14.80b + L.T.Debt 3.58b))
RoIC = 21.11% (NOPAT 3.13b / Invested Capital 14.81b)
WACC = 6.49% (E(16.55b)/V(20.16b) * Re(7.60%)) + (D(3.61b)/V(20.16b) * Rd(1.65%) * (1-Tc(0.16)))
Shares Correlation 5-Years: -40.0 | Cagr: -2.98%
Discount Rate = 7.60% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈2.71b ; Y1≈3.34b ; Y5≈5.71b
Fair Price DCF = 692.9 (DCF Value 97.06b / Shares Outstanding 140.1m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 90.15 | Revenue CAGR: 10.19%
Rev Growth-of-Growth: -2.77
EPS Correlation: -7.32 | EPS CAGR: 12.36%
EPS Growth-of-Growth: 4.80
Additional Sources for FINV Stock
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