(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 | 2,091m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2017-11-10 |
FINV Stock Ratings
| Growth Rating | 81.6% |
| Fundamental | 85.1% |
| Dividend Rating | 82.5% |
| Return 12m vs S&P 500 | 25.3% |
| Analyst Rating | 5.0 of 5 |
FINV Dividends
| Dividend Yield 12m | 3.58% |
| Yield on Cost 5y | 21.15% |
| Annual Growth 5y | 14.58% |
| Payout Consistency | 94.3% |
| Payout Ratio | 3.1% |
FINV Growth Ratios
| Growth Correlation 3m | -78.7% |
| Growth Correlation 12m | 82.5% |
| Growth Correlation 5y | 56.8% |
| CAGR 5y | 25.57% |
| CAGR/Max DD 3y | 0.73 |
| CAGR/Mean DD 3y | 1.81 |
| Sharpe Ratio 12m | 0.72 |
| Alpha | 0.11 |
| Beta | 0.926 |
| Volatility | 38.64% |
| Current Volume | 1267.8k |
| Average Volume 20d | 2067.9k |
| Stop Loss | 7.2 (-5.8%) |
| Signal | -0.32 |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (2.80b TTM) > 0 and > 6% of Revenue (6% = 827.5m TTM) |
| FCFTA 0.09 (>2.0%) and ΔFCFTA -0.58pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 105.7% (prev 90.61%; Δ 15.10pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.09 (>3.0%) and CFO 2.41b <= Net Income 2.80b (YES >=105%, WARN >=100%) |
| Net Debt (-4.16b) to EBITDA (3.74b) ratio: -1.11 <= 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 (264.6m) change vs 12m ago 1.81% (target <= -2.0% for YES) |
| Gross Margin 80.96% (prev 82.42%; Δ -1.47pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 57.95% (prev 58.34%; Δ -0.39pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM) |
Altman Z'' 7.54
| (A) 0.57 = (Total Current Assets 19.23b - Total Current Liabilities 4.65b) / Total Assets 25.65b |
| (B) 0.44 = Retained Earnings (Balance) 11.19b / Total Assets 25.65b |
| (C) 0.16 = EBIT TTM 3.73b / Avg Total Assets 23.80b |
| (D) 1.28 = Book Value of Equity 12.12b / Total Liabilities 9.50b |
| Total Rating: 7.54 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 85.09
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield 29.76% = 5.0 |
| 3. FCF Margin 17.46% = 4.37 |
| 4. Debt/Equity 0.07 = 2.50 |
| 5. Debt/Ebitda 0.29 = 2.43 |
| 6. ROIC - WACC 11.04% = 12.50 |
| 7. RoE 18.35% = 1.53 |
| 8. Rev. Trend 93.74% = 7.03 |
| 9. EPS Trend 44.68% = 2.23 |
What is the price of FINV shares?
Over the past week, the price has changed by -2.43%, over one month by -15.21%, over three months by -14.83% and over the past year by +48.75%.
Is FinVolution a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FINV is around 7.91 USD . This means that FINV is currently overvalued and has a potential downside of 3.53%.
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 | 48.7% |
| Analysts Target Price | 11.4 | 48.7% |
| ValueRay Target Price | 8.9 | 16% |
Last update: 2025-09-03 02:50
FINV Fundamental Data Overview
CCE Cash And Equivalents = 7.89b CNY (Cash And Short Term Investments, last quarter)
P/E Trailing = 5.5369
P/E Forward = 3.6724
P/S = 0.1514
P/B = 0.9469
Beta = 0.401
Revenue TTM = 13.79b CNY
EBIT TTM = 3.73b CNY
EBITDA TTM = 3.74b CNY
Long Term Debt = 1.03b CNY (from longTermDebt, last quarter)
Short Term Debt = 67.3m CNY (from shortTermDebt, last quarter)
Debt = 1.10b CNY (Calculated: Short Term 67.3m + Long Term 1.03b)
Net Debt = -4.16b CNY (from netDebt column, last quarter)
Enterprise Value = 8.09b CNY (14.88b + Debt 1.10b - CCE 7.89b)
Interest Coverage Ratio = unknown (Ebit TTM 3.73b / Interest Expense TTM 0.0)
FCF Yield = 29.76% (FCF TTM 2.41b / Enterprise Value 8.09b)
FCF Margin = 17.46% (FCF TTM 2.41b / Revenue TTM 13.79b)
Net Margin = 20.29% (Net Income TTM 2.80b / Revenue TTM 13.79b)
Gross Margin = 80.96% ((Revenue TTM 13.79b - Cost of Revenue TTM 2.63b) / Revenue TTM)
Tobins Q-Ratio = 0.67 (Enterprise Value 8.09b / Book Value Of Equity 12.12b)
Interest Expense / Debt = 5.42% (Interest Expense 59.7m / Debt 1.10b)
Taxrate = 16.08% (457.4m / 2.85b)
NOPAT = 3.13b (EBIT 3.73b * (1 - 16.08%))
Current Ratio = 4.14 (Total Current Assets 19.23b / Total Current Liabilities 4.65b)
Debt / Equity = 0.07 (Debt 1.10b / last Quarter total Stockholder Equity 15.80b)
Debt / EBITDA = 0.29 (Net Debt -4.16b / EBITDA 3.74b)
Debt / FCF = 0.46 (Debt 1.10b / FCF TTM 2.41b)
Total Stockholder Equity = 15.25b (last 4 quarters mean)
RoA = 10.91% (Net Income 2.80b, Total Assets 25.65b )
RoE = 18.35% (Net Income TTM 2.80b / Total Stockholder Equity 15.25b)
RoCE = 22.89% (Ebit 3.73b / (Equity 15.25b + L.T.Debt 1.03b))
RoIC = 20.13% (NOPAT 3.13b / Invested Capital 15.53b)
WACC = 9.09% (E(14.88b)/V(15.99b) * Re(9.43%)) + (D(1.10b)/V(15.99b) * Rd(5.42%) * (1-Tc(0.16)))
Shares Correlation 3-Years: -57.58 | Cagr: -0.91%
Discount Rate = 9.43% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 77.07% ; FCFE base≈2.32b ; Y1≈2.86b ; Y5≈4.88b
Fair Price DCF = 461.9 (DCF Value 64.70b / Shares Outstanding 140.1m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 44.68 | EPS CAGR: 171.8% | SUE: 2.89 | # QB: True
Revenue Correlation: 93.74 | Revenue CAGR: 6.99%
Additional Sources for FINV Stock
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Fund Manager Positions: Dataroma | Stockcircle