FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:FINV • US31810T1016

5.3 USD
+0.17 (+3.31%)
At close: Feb 6, 2026
5.35 USD
+0.05 (+0.94%)
After Hours: 2/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

7

Overall FINV gets a fundamental rating of 7 out of 10. We evaluated FINV against 54 industry peers in the Consumer Finance industry. FINV scores excellent points on both the profitability and health parts. This is a solid base for a good stock. FINV scores decently on growth, while it is valued quite cheap. This could make an interesting combination. These ratings could make FINV a good candidate for value and quality investing.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year FINV was profitable.
  • FINV had positive earnings in each of the past 5 years.
  • FINV had a positive operating cash flow in each of the past 5 years.
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 0 2B 4B 6B

1.2 Ratios

  • FINV's Return On Assets of 10.64% is amongst the best of the industry. FINV outperforms 87.04% of its industry peers.
  • FINV has a better Return On Equity (17.07%) than 68.52% of its industry peers.
  • With an excellent Return On Invested Capital value of 19.01%, FINV belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for FINV is significantly above the industry average of 12.42%.
  • The last Return On Invested Capital (19.01%) for FINV is well below the 3 year average (27.17%), which needs to be investigated, but indicates that FINV had better years and this may not be a problem.
Industry RankSector Rank
ROA 10.64%
ROE 17.07%
ROIC 19.01%
ROA(3y)10.56%
ROA(5y)11.75%
ROE(3y)17.01%
ROE(5y)19.63%
ROIC(3y)27.17%
ROIC(5y)26.14%
FINV Yearly ROA, ROE, ROICFINV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

1.3 Margins

  • With a decent Profit Margin value of 19.99%, FINV is doing good in the industry, outperforming 75.93% of the companies in the same industry.
  • FINV's Profit Margin has declined in the last couple of years.
  • FINV has a Operating Margin of 38.25%. This is amongst the best in the industry. FINV outperforms 88.89% of its industry peers.
  • FINV's Operating Margin has improved in the last couple of years.
  • With a decent Gross Margin value of 80.60%, FINV is doing good in the industry, outperforming 79.63% of the companies in the same industry.
  • In the last couple of years the Gross Margin of FINV has remained more or less at the same level.
Industry RankSector Rank
OM 38.25%
PM (TTM) 19.99%
GM 80.6%
OM growth 3Y4.09%
OM growth 5Y4.2%
PM growth 3Y-11.7%
PM growth 5Y-14.45%
GM growth 3Y0.5%
GM growth 5Y0.5%
FINV Yearly Profit, Operating, Gross MarginsFINV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • FINV has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • FINV has less shares outstanding than it did 1 year ago.
  • FINV has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, FINV has an improved debt to assets ratio.
FINV Yearly Shares OutstandingFINV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 5B 10B 15B 20B

2.2 Solvency

  • An Altman-Z score of 2.73 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 2.73. This is amongst the best in the industry. FINV outperforms 87.04% of its industry peers.
  • FINV has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.07, FINV belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Altman-Z 2.73
ROIC/WACC1.92
WACC9.92%
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 0 5B 10B 15B

2.3 Liquidity

  • FINV has a Current Ratio of 3.64. This indicates that FINV is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of FINV (3.64) is better than 85.19% of its industry peers.
  • FINV has a Quick Ratio of 3.64. This indicates that FINV is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 3.64, FINV belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 3.64
Quick Ratio 3.64
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 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. Growth

3.1 Past

  • FINV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.38%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 3.42% on average over the past years.
  • The Revenue has grown by 9.11% in the past year. This is quite good.
  • FINV shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.99% yearly.
EPS 1Y (TTM)27.38%
EPS 3Y2.31%
EPS 5Y3.42%
EPS Q2Q%-7.13%
Revenue 1Y (TTM)9.11%
Revenue growth 3Y11.33%
Revenue growth 5Y16.99%
Sales Q2Q%3.17%

3.2 Future

  • Based on estimates for the next years, FINV will show a small growth in Earnings Per Share. The EPS will grow by 2.09% on average per year.
  • Based on estimates for the next years, FINV will show a small growth in Revenue. The Revenue will grow by 2.78% on average per year.
EPS Next Y8.78%
EPS Next 2Y-6.2%
EPS Next 3Y2.09%
EPS Next 5YN/A
Revenue Next Year3.28%
Revenue Next 2Y-2.42%
Revenue Next 3Y2.78%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 5B 10B
FINV Yearly EPS VS EstimatesFINV Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 10

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 3.27, the valuation of FINV can be described as very cheap.
  • 88.89% of the companies in the same industry are more expensive than FINV, based on the Price/Earnings ratio.
  • FINV is valuated cheaply when we compare the Price/Earnings ratio to 27.92, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 4.27 indicates a rather cheap valuation of FINV.
  • 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 27.78, FINV is valued rather cheaply.
Industry RankSector Rank
PE 3.27
Fwd PE 4.27
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

  • FINV's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. FINV is cheaper than 88.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.07
FINV Per share dataFINV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • FINV's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The excellent profitability rating of FINV may justify a higher PE ratio.
PEG (NY)0.37
PEG (5Y)0.96
EPS Next 2Y-6.2%
EPS Next 3Y2.09%

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

6

5. Dividend

5.1 Amount

  • FINV has a Yearly Dividend Yield of 5.01%, which is a nice return.
  • FINV's Dividend Yield is a higher than the industry average which is at 2.67.
  • FINV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 5.01%

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.
  • FINV has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)5.61%
Div Incr Years5
Div Non Decr Years5
FINV Yearly Dividends per shareFINV Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2 0.25

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 2Y-6.2%
EPS Next 3Y2.09%
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 0 1B -1B 2B

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Find the best dividend stocksShow peers with best dividend

FINVOLUTION GROUP-ADR

NYSE:FINV (2/6/2026, 8:04:00 PM)

After market: 5.35 +0.05 (+0.94%)

5.3

+0.17 (+3.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-19
Earnings (Next)03-16
Inst Owners55.97%
Inst Owner Change-4.09%
Ins Owners8.74%
Ins Owner ChangeN/A
Market Cap1.34B
Revenue(TTM)14.00B
Net Income(TTM)2.80B
Analysts87.69
Price Target8.54 (61.13%)
Short Float %24.94%
Short Ratio4.21
Dividend
Industry RankSector Rank
Dividend Yield 5.01%
Yearly Dividend0.26
Dividend Growth(5Y)5.61%
DPN/A
Div Incr Years5
Div Non Decr Years5
Ex-DateN/A
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)0%
PT rev (3m)-27.83%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-8.63%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.97%
Valuation
Industry RankSector Rank
PE 3.27
Fwd PE 4.27
P/S 0.67
P/FCF N/A
P/OCF N/A
P/B 0.57
P/tB 0.57
EV/EBITDA 1.07
EPS(TTM)1.62
EY30.57%
EPS(NY)1.24
Fwd EY23.42%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.96
BVpS9.33
TBVpS9.24
PEG (NY)0.37
PEG (5Y)0.96
Graham Number18.44
Profitability
Industry RankSector Rank
ROA 10.64%
ROE 17.07%
ROCE 22.5%
ROIC 19.01%
ROICexc 23.11%
ROICexgc 23.29%
OM 38.25%
PM (TTM) 19.99%
GM 80.6%
FCFM N/A
ROA(3y)10.56%
ROA(5y)11.75%
ROE(3y)17.01%
ROE(5y)19.63%
ROIC(3y)27.17%
ROIC(5y)26.14%
ROICexc(3y)34.82%
ROICexc(5y)33.56%
ROICexgc(3y)35.17%
ROICexgc(5y)33.94%
ROCE(3y)32.03%
ROCE(5y)30.81%
ROICexgc growth 3Y5.31%
ROICexgc growth 5Y9.71%
ROICexc growth 3Y5.34%
ROICexc growth 5Y9.72%
OM growth 3Y4.09%
OM growth 5Y4.2%
PM growth 3Y-11.7%
PM growth 5Y-14.45%
GM growth 3Y0.5%
GM growth 5Y0.5%
F-ScoreN/A
Asset Turnover0.53
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Debt/EBITDA 0.21
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 3.64
Quick Ratio 3.64
Altman-Z 2.73
F-ScoreN/A
WACC9.92%
ROIC/WACC1.92
Cap/Depr(3y)883.8%
Cap/Depr(5y)572.3%
Cap/Sales(3y)1.66%
Cap/Sales(5y)1.2%
Profit Quality(3y)55.72%
Profit Quality(5y)60.07%
High Growth Momentum
Growth
EPS 1Y (TTM)27.38%
EPS 3Y2.31%
EPS 5Y3.42%
EPS Q2Q%-7.13%
EPS Next Y8.78%
EPS Next 2Y-6.2%
EPS Next 3Y2.09%
EPS Next 5YN/A
Revenue 1Y (TTM)9.11%
Revenue growth 3Y11.33%
Revenue growth 5Y16.99%
Sales Q2Q%3.17%
Revenue Next Year3.28%
Revenue Next 2Y-2.42%
Revenue Next 3Y2.78%
Revenue Next 5YN/A
EBIT growth 1Y-23.94%
EBIT growth 3Y15.88%
EBIT growth 5Y21.9%
EBIT Next Year19.81%
EBIT Next 3Y4.61%
EBIT Next 5YN/A
FCF growth 1Y227.35%
FCF growth 3Y70.81%
FCF growth 5YN/A
OCF growth 1Y104.69%
OCF growth 3Y66.2%
OCF growth 5YN/A

FINVOLUTION GROUP-ADR / FINV FAQ

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

ChartMill assigns a fundamental rating of 7 / 10 to FINV.


What is the valuation status for FINV stock?

ChartMill assigns a valuation rating of 8 / 10 to FINVOLUTION GROUP-ADR (FINV). This can be considered as Undervalued.


What is the profitability of FINV stock?

FINVOLUTION GROUP-ADR (FINV) has a profitability rating of 8 / 10.


Can you provide the financial health for FINV stock?

The financial health rating of FINVOLUTION GROUP-ADR (FINV) is 7 / 10.


What is the earnings growth outlook for FINVOLUTION GROUP-ADR?

The Earnings per Share (EPS) of FINVOLUTION GROUP-ADR (FINV) is expected to grow by 8.78% in the next year.