FINVOLUTION GROUP-ADR (FINV) Fundamental Analysis & Valuation

NYSE:FINV • US31810T1016

Current stock price

5.03 USD
+0.07 (+1.41%)
At close:
5.03 USD
0 (0%)
After Hours:

This FINV fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. FINV Profitability Analysis

1.1 Basic Checks

  • In the past year FINV was profitable.
  • FINV had positive earnings in each of the past 5 years.
  • Of the past 5 years FINV 4 years had a positive operating cash flow.
FINV Yearly Net Income VS EBIT VS OCF VS FCFFINV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B

1.2 Ratios

  • FINV has a better Return On Assets (10.00%) than 88.89% of its industry peers.
  • The Return On Equity of FINV (15.36%) is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 14.11%, FINV belongs to the top of the industry, outperforming 87.04% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for FINV is significantly above the industry average of 9.54%.
  • The 3 year average ROIC (22.16%) for FINV is well above the current ROIC(14.11%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA 10%
ROE 15.36%
ROIC 14.11%
ROA(3y)10.36%
ROA(5y)11.1%
ROE(3y)16.02%
ROE(5y)17.99%
ROIC(3y)22.16%
ROIC(5y)22.52%
FINV Yearly ROA, ROE, ROICFINV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40

1.3 Margins

  • With a decent Profit Margin value of 18.74%, FINV is doing good in the industry, outperforming 72.22% of the companies in the same industry.
  • FINV's Profit Margin has declined in the last couple of years.
  • The Operating Margin of FINV (29.30%) is better than 79.63% of its industry peers.
  • In the last couple of years the Operating Margin of FINV has declined.
  • FINV has a better Gross Margin (78.63%) than 68.52% of its industry peers.
  • FINV's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 29.3%
PM (TTM) 18.74%
GM 78.63%
OM growth 3Y-24.76%
OM growth 5Y-17.47%
PM growth 3Y-2.72%
PM growth 5Y-6.4%
GM growth 3Y-1.27%
GM growth 5Y-0.95%
FINV Yearly Profit, Operating, Gross MarginsFINV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 60 80

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7

2. FINV Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so FINV is creating value.
  • FINV has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, FINV has less shares outstanding
  • FINV has a worse debt/assets ratio than last year.
FINV Yearly Shares OutstandingFINV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
FINV Yearly Total Debt VS Total AssetsFINV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • An Altman-Z score of 2.67 indicates that FINV is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • FINV has a Altman-Z score of 2.67. This is amongst the best in the industry. FINV outperforms 88.89% of its industry peers.
  • FINV has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
  • FINV has a better Debt to Equity ratio (0.08) than 90.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z 2.67
ROIC/WACC1.4
WACC10.05%
FINV Yearly LT Debt VS Equity VS FCFFINV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

2.3 Liquidity

  • FINV has a Current Ratio of 4.01. This indicates that FINV is financially healthy and has no problem in meeting its short term obligations.
  • FINV's Current ratio of 4.01 is amongst the best of the industry. FINV outperforms 87.04% of its industry peers.
  • FINV has a Quick Ratio of 4.01. This indicates that FINV is financially healthy and has no problem in meeting its short term obligations.
  • The Quick ratio of FINV (4.01) is better than 88.89% of its industry peers.
Industry RankSector Rank
Current Ratio 4.01
Quick Ratio 4.01
FINV Yearly Current Assets VS Current LiabilitesFINV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. FINV Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 0.50% over the past year.
  • FINV shows a small growth in Revenue. In the last year, the Revenue has grown by 3.85%.
  • The Revenue has been growing by 69.90% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)0.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-38.52%
Revenue 1Y (TTM)3.85%
Revenue growth 3Y69.9%
Revenue growth 5YN/A
Sales Q2Q%-13.79%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.26% on average over the next years.
  • FINV is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.38% yearly.
EPS Next Y-14.36%
EPS Next 2Y6%
EPS Next 3Y2.84%
EPS Next 5Y5.26%
Revenue Next Year34.34%
Revenue Next 2Y29.09%
Revenue Next 3Y25.24%
Revenue Next 5Y18.38%

3.3 Evolution

  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
FINV Yearly Revenue VS EstimatesFINV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
FINV Yearly EPS VS EstimatesFINV Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 5 10

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5

4. FINV Valuation Analysis

4.1 Price/Earnings Ratio

  • FINV is valuated cheaply with a Price/Earnings ratio of 4.53.
  • Compared to the rest of the industry, the Price/Earnings ratio of FINV indicates a somewhat cheap valuation: FINV is cheaper than 79.63% of the companies listed in the same industry.
  • FINV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
  • FINV is valuated cheaply with a Price/Forward Earnings ratio of 4.03.
  • Based on the Price/Forward Earnings ratio, FINV is valued cheaper than 88.89% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.41, FINV is valued rather cheaply.
Industry RankSector Rank
PE 4.53
Fwd PE 4.03
FINV Price Earnings VS Forward Price EarningsFINV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FINV Per share dataFINV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • The decent profitability rating of FINV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y6%
EPS Next 3Y2.84%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. FINV Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.77%, FINV is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.11, FINV pays a bit more dividend than its industry peers.
  • FINV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 5.77%

5.2 History

  • The dividend of FINV has a limited annual growth rate of 5.61%.
  • FINV has been paying a dividend for over 5 years, so it has already some track record.
  • As FINV did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)5.61%
Div Incr Years6
Div Non Decr Years6
FINV Yearly Dividends per shareFINV Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3

5.3 Sustainability

  • The dividend of FINV is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y6%
EPS Next 3Y2.84%
FINV Yearly Income VS Free CF VS DividendFINV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

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FINV Fundamentals: All Metrics, Ratios and Statistics

FINVOLUTION GROUP-ADR

NYSE:FINV (5/1/2026, 8:27:31 PM)

After market: 5.03 0 (0%)

5.03

+0.07 (+1.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry StrengthN/A
Industry GrowthN/A
Earnings (Last)03-16
Earnings (Next)05-18
Inst Owners47.69%
Inst Owner Change-0.98%
Ins Owners5.04%
Ins Owner Change15.32%
Market Cap1.27B
Revenue(TTM)13.57B
Net Income(TTM)2.54B
Analysts87.69
Price Target7.85 (56.06%)
Short Float %29.16%
Short Ratio5.46
Dividend
Industry RankSector Rank
Dividend Yield 5.77%
Yearly Dividend0.26
Dividend Growth(5Y)5.61%
DPN/A
Div Incr Years6
Div Non Decr Years6
Ex-Date04-16
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-8.95%
PT rev (3m)-8.02%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-3.52%
EPS NY rev (3m)-3.52%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.34%
Valuation
Industry RankSector Rank
PE 4.53
Fwd PE 4.03
P/S 0.64
P/FCF N/A
P/OCF N/A
P/B 0.53
P/tB 0.54
EV/EBITDA N/A
EPS(TTM)1.11
EY22.07%
EPS(NY)1.25
Fwd EY24.78%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.84
BVpS9.56
TBVpS9.36
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.4549 (207.25%)
Profitability
Industry RankSector Rank
ROA 10%
ROE 15.36%
ROCE 17.13%
ROIC 14.11%
ROICexc 17.28%
ROICexgc 17.6%
OM 29.3%
PM (TTM) 18.74%
GM 78.63%
FCFM N/A
ROA(3y)10.36%
ROA(5y)11.1%
ROE(3y)16.02%
ROE(5y)17.99%
ROIC(3y)22.16%
ROIC(5y)22.52%
ROICexc(3y)28.65%
ROICexc(5y)29.05%
ROICexgc(3y)28.99%
ROICexgc(5y)29.38%
ROCE(3y)26.74%
ROCE(5y)27.16%
ROICexgc growth 3Y-23.54%
ROICexgc growth 5Y-16.43%
ROICexc growth 3Y-23.77%
ROICexc growth 5Y-16.52%
OM growth 3Y-24.76%
OM growth 5Y-17.47%
PM growth 3Y-2.72%
PM growth 5Y-6.4%
GM growth 3Y-1.27%
GM growth 5Y-0.95%
F-ScoreN/A
Asset Turnover0.53
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 4.01
Quick Ratio 4.01
Altman-Z 2.67
F-ScoreN/A
WACC10.05%
ROIC/WACC1.4
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-38.52%
EPS Next Y-14.36%
EPS Next 2Y6%
EPS Next 3Y2.84%
EPS Next 5Y5.26%
Revenue 1Y (TTM)3.85%
Revenue growth 3Y69.9%
Revenue growth 5YN/A
Sales Q2Q%-13.79%
Revenue Next Year34.34%
Revenue Next 2Y29.09%
Revenue Next 3Y25.24%
Revenue Next 5Y18.38%
EBIT growth 1Y-44.18%
EBIT growth 3Y-19.64%
EBIT growth 5Y-7.24%
EBIT Next Year-21.86%
EBIT Next 3Y2.97%
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

FINVOLUTION GROUP-ADR / FINV Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FINVOLUTION GROUP-ADR (FINV) stock?

ChartMill assigns a fundamental rating of 6 / 10 to FINV.


What is the valuation status for FINV stock?

ChartMill assigns a valuation rating of 5 / 10 to FINVOLUTION GROUP-ADR (FINV). This can be considered as Fairly Valued.


How profitable is FINVOLUTION GROUP-ADR (FINV) stock?

FINVOLUTION GROUP-ADR (FINV) has a profitability rating of 7 / 10.


What are the PE and PB ratios of FINVOLUTION GROUP-ADR (FINV) stock?

The Price/Earnings (PE) ratio for FINVOLUTION GROUP-ADR (FINV) is 4.53 and the Price/Book (PB) ratio is 0.53.


Can you provide the expected EPS growth for FINV stock?

The Earnings per Share (EPS) of FINVOLUTION GROUP-ADR (FINV) is expected to decline by -14.36% in the next year.