FINVOLUTION GROUP-ADR (FINV) Fundamental Analysis & Valuation
NYSE:FINV • US31810T1016
Current stock price
5.48 USD
-0.11 (-1.97%)
At close:
5.48 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.
1. FINV Profitability Analysis
1.1 Basic Checks
- FINV had positive earnings in the past year.
- In the past year FINV had a positive cash flow from operations.
- In the past 5 years FINV has always been profitable.
- FINV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- FINV has a better Return On Assets (10.91%) than 88.89% of its industry peers.
- With a decent Return On Equity value of 17.71%, FINV is doing good in the industry, outperforming 66.67% of the companies in the same industry.
- FINV has a Return On Invested Capital of 22.71%. This is amongst the best in the industry. FINV outperforms 88.89% of its industry peers.
- FINV had an Average Return On Invested Capital over the past 3 years of 27.17%. This is significantly above the industry average of 12.37%.
- The last Return On Invested Capital (22.71%) 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 Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.91% | ||
| ROE | 17.71% | ||
| ROIC | 22.71% |
ROA(3y)10.56%
ROA(5y)11.75%
ROE(3y)17.01%
ROE(5y)19.63%
ROIC(3y)27.17%
ROIC(5y)26.14%
1.3 Margins
- FINV has a Profit Margin of 20.29%. This is in the better half of the industry: FINV outperforms 77.78% of its industry peers.
- FINV's Profit Margin has declined in the last couple of years.
- The Operating Margin of FINV (45.73%) is better than 94.44% of its industry peers.
- In the last couple of years the Operating Margin of FINV has grown nicely.
- Looking at the Gross Margin, with a value of 81.42%, FINV is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
- FINV's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 45.73% | ||
| PM (TTM) | 20.29% | ||
| GM | 81.42% |
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%
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.
- Compared to 1 year ago, FINV has less shares outstanding
- The number of shares outstanding for FINV has been reduced compared to 5 years ago.
- Compared to 1 year ago, FINV has an improved debt to assets ratio.
2.2 Solvency
- FINV has an Altman-Z score of 3.01. This indicates that FINV is financially healthy and has little risk of bankruptcy at the moment.
- FINV has a Altman-Z score of 3.01. This is amongst the best in the industry. FINV outperforms 88.89% of its industry peers.
- FINV has a debt to FCF ratio of 0.49. This is a very positive value and a sign of high solvency as it would only need 0.49 years to pay back of all of its debts.
- FINV has a Debt to FCF ratio of 0.49. This is amongst the best in the industry. FINV outperforms 94.44% 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.
- With an excellent Debt to Equity ratio value of 0.07, FINV belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.49 | ||
| Altman-Z | 3.01 |
ROIC/WACC2.31
WACC9.84%
2.3 Liquidity
- FINV has a Current Ratio of 5.07. This indicates that FINV is financially healthy and has no problem in meeting its short term obligations.
- FINV has a better Current ratio (5.07) than 88.89% of its industry peers.
- A Quick Ratio of 5.07 indicates that FINV has no problem at all paying its short term obligations.
- Looking at the Quick ratio, with a value of 5.07, FINV belongs to the top of the industry, outperforming 90.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.07 | ||
| Quick Ratio | 5.07 |
3. FINV Growth Analysis
3.1 Past
- FINV shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.50%.
- Looking at the last year, FINV shows a very strong growth in Revenue. The Revenue has grown by 37.05%.
- 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%N/A
Revenue 1Y (TTM)37.05%
Revenue growth 3Y69.9%
Revenue growth 5YN/A
Sales Q2Q%-13.79%
3.2 Future
- FINV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.26% yearly.
- 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
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. FINV Valuation Analysis
4.1 Price/Earnings Ratio
- FINV is valuated cheaply with a Price/Earnings ratio of 4.98.
- FINV's Price/Earnings ratio is a bit cheaper when compared to the industry. FINV is cheaper than 74.07% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 25.23, FINV is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 4.44, the valuation of FINV can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of FINV indicates a rather cheap valuation: FINV is cheaper than 88.89% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 23.28, FINV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.98 | ||
| Fwd PE | 4.44 |
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.
- Based on the Price/Free Cash Flow ratio, FINV is valued a bit cheaper than 62.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.23 | ||
| EV/EBITDA | 0.86 |
4.3 Compensation for Growth
- The excellent 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%
5. FINV Dividend Analysis
5.1 Amount
- FINV has a Yearly Dividend Yield of 5.12%, which is a nice return.
- FINV's Dividend Yield is a higher than the industry average which is at 3.15.
- Compared to an average S&P500 Dividend Yield of 1.91, FINV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
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
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 Fundamentals: All Metrics, Ratios and Statistics
5.48
-0.11 (-1.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-16 2026-03-16/amc
Earnings (Next)05-18 2026-05-18
Inst Owners47.91%
Inst Owner Change-10.05%
Ins Owners4.99%
Ins Owner ChangeN/A
Market Cap1.39B
Revenue(TTM)5.96B
Net Income(TTM)2.80B
Analysts87.69
Price Target8.54 (55.84%)
Short Float %18.74%
Short Ratio4.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
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)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.14%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.98 | ||
| Fwd PE | 4.44 | ||
| P/S | 0.69 | ||
| P/FCF | 4.23 | ||
| P/OCF | 4.23 | ||
| P/B | 0.61 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | 0.86 |
EPS(TTM)1.1
EY20.07%
EPS(NY)1.23
Fwd EY22.51%
FCF(TTM)1.29
FCFY23.63%
OCF(TTM)1.29
OCFY23.63%
SpS7.89
BVpS9.03
TBVpS8.95
PEG (NY)N/A
PEG (5Y)N/A
Graham Number14.95
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.91% | ||
| ROE | 17.71% | ||
| ROCE | 26.85% | ||
| ROIC | 22.71% | ||
| ROICexc | 29.3% | ||
| ROICexgc | 29.54% | ||
| OM | 45.73% | ||
| PM (TTM) | 20.29% | ||
| GM | 81.42% | ||
| FCFM | 16.42% |
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-Score3
Asset Turnover0.54
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.49 | ||
| Debt/EBITDA | 0.17 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 35.51% | ||
| Profit Quality | 80.94% | ||
| Current Ratio | 5.07 | ||
| Quick Ratio | 5.07 | ||
| Altman-Z | 3.01 |
F-Score3
WACC9.84%
ROIC/WACC2.31
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)0.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y-14.36%
EPS Next 2Y6%
EPS Next 3Y2.84%
EPS Next 5Y5.26%
Revenue 1Y (TTM)37.05%
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-10.03%
EBIT growth 3Y15.88%
EBIT growth 5Y21.9%
EBIT Next Year18%
EBIT Next 3Y2.52%
EBIT Next 5YN/A
FCF growth 1Y25.37%
FCF growth 3Y70.81%
FCF growth 5YN/A
OCF growth 1Y25.37%
OCF growth 3Y66.2%
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 8 / 10 to FINV.
What is the valuation status for FINV stock?
ChartMill assigns a valuation rating of 7 / 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 10 / 10.
What is the earnings growth outlook for FINVOLUTION GROUP-ADR?
The Earnings per Share (EPS) of FINVOLUTION GROUP-ADR (FINV) is expected to decline by -14.36% in the next year.