FINVOLUTION GROUP-ADR (FINV) Fundamental Analysis & Valuation

NYSE:FINV • US31810T1016

Current stock price

4.94 USD
+0.05 (+1.02%)
At close:
4.94 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

  • FINV had positive earnings in the past year.
  • Each year in the past 5 years FINV has been profitable.
  • 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

  • The Return On Assets of FINV (10.00%) is better than 85.19% of its industry peers.
  • FINV has a Return On Equity (15.36%) which is in line with its industry peers.
  • FINV has a better Return On Invested Capital (14.11%) than 88.89% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for FINV is significantly above the industry average of 12.01%.
  • 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.
  • FINV has a Operating Margin of 29.30%. This is in the better half of the industry: FINV outperforms 75.93% of its industry peers.
  • In the last couple of years the Operating Margin of FINV has declined.
  • Looking at the Gross Margin, with a value of 78.63%, FINV is in the better half of the industry, outperforming 68.52% 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 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

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), FINV is creating value.
  • The number of shares outstanding for FINV remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, FINV has less shares outstanding
  • Compared to 1 year ago, FINV has a worse debt to assets ratio.
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.
  • The Altman-Z score of FINV (2.67) is better than 88.89% of its industry peers.
  • A Debt/Equity ratio of 0.08 indicates that FINV is not too dependend on debt financing.
  • FINV has a Debt to Equity ratio of 0.08. This is amongst the best in the industry. FINV outperforms 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z 2.67
ROIC/WACC1.4
WACC10.09%
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

  • A Current Ratio of 4.01 indicates that FINV has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 4.01, FINV belongs to the top of the industry, outperforming 87.04% of the companies in the same industry.
  • A Quick Ratio of 4.01 indicates that FINV has no problem at all paying its short term obligations.
  • With an excellent Quick ratio value of 4.01, FINV belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
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

  • FINV shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.50%.
  • FINV shows a small growth in Revenue. In the last year, the Revenue has grown by 3.85%.
  • Measured over the past years, FINV shows a very strong growth in Revenue. The Revenue has been growing by 69.90% on average per year.
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

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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 0 5 10

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5

4. FINV Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 4.49, the valuation of FINV can be described as very cheap.
  • Based on the Price/Earnings ratio, FINV is valued a bit cheaper than the industry average as 75.93% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 25.60. FINV is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 4.00, 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/Forward Earnings ratio.
  • FINV is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 4.49
Fwd PE 4
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

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

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

6

5. FINV Dividend Analysis

5.1 Amount

  • FINV has a Yearly Dividend Yield of 6.19%, which is a nice return.
  • Compared to an average industry Dividend Yield of 3.15, 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 1.88.
Industry RankSector Rank
Dividend Yield 6.19%

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 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 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 (4/2/2026, 8:24:36 PM)

After market: 4.94 0 (0%)

4.94

+0.05 (+1.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-16
Earnings (Next)05-18
Inst Owners47.91%
Inst Owner Change-10.05%
Ins Owners4.99%
Ins Owner Change0%
Market Cap1.25B
Revenue(TTM)13.57B
Net Income(TTM)2.54B
Analysts87.69
Price Target8.63 (74.7%)
Short Float %16.06%
Short Ratio2.99
Dividend
Industry RankSector Rank
Dividend Yield 6.19%
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)1.02%
PT rev (3m)1.02%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.49%
Revenue NY rev (3m)1.49%
Valuation
Industry RankSector Rank
PE 4.49
Fwd PE 4
P/S 0.64
P/FCF N/A
P/OCF N/A
P/B 0.52
P/tB 0.53
EV/EBITDA N/A
EPS(TTM)1.1
EY22.27%
EPS(NY)1.23
Fwd EY24.98%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.76
BVpS9.47
TBVpS9.27
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.31
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
WACC10.09%
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-24.63%
EBIT Next 3YN/A
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 4.49 and the Price/Book (PB) ratio is 0.52.


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.