FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis
USA - NYSE:FINV - US31810T1016 - ADR
7.64 USD
-0.07 (-0.91%)
7.64 USD
0 (0%)
Taking everything into account, FINV scores 8 out of 10 in our fundamental rating. FINV was compared to 54 industry peers in the Consumer Finance industry. FINV has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. FINV is valued quite cheap, while showing a decent growth score. This is a good combination! With these ratings, FINV could be worth investigating further for value and quality investing!.
1. Profitability
1.1 Basic Checks
In the past year FINV was profitable.
In the past year FINV had a positive cash flow from operations.
In the past 5 years FINV has always been profitable.
In the past 5 years FINV always reported a positive cash flow from operatings.
1.2 Ratios
FINV has a better Return On Assets (10.10%) than 85.19% of its industry peers.
The Return On Equity of FINV (15.67%) is better than 62.96% of its industry peers.
FINV has a Return On Invested Capital of 28.32%. This is amongst the best in the industry. FINV outperforms 92.59% 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 11.02%.
The 3 year average ROIC (27.17%) for FINV is below the current ROIC(28.32%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.1% | ||
| ROE | 15.67% | ||
| ROIC | 28.32% |
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
The Profit Margin of FINV (18.24%) is better than 77.78% of its industry peers.
In the last couple of years the Profit Margin of FINV has declined.
The Operating Margin of FINV (54.51%) is better than 98.15% of its industry peers.
FINV's Operating Margin has improved in the last couple of years.
FINV's Gross Margin of 81.77% is fine compared to the rest of the industry. FINV outperforms 75.93% of its industry peers.
FINV's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 54.51% | ||
| PM (TTM) | 18.24% | ||
| GM | 81.77% |
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. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), FINV is creating value.
FINV has less shares outstanding than it did 1 year ago.
The number of shares outstanding for FINV has been reduced compared to 5 years ago.
The debt/assets ratio for FINV has been reduced compared to a year ago.
2.2 Solvency
FINV has an Altman-Z score of 3.59. This indicates that FINV is financially healthy and has little risk of bankruptcy at the moment.
FINV has a better Altman-Z score (3.59) than 90.74% of its industry peers.
The Debt to FCF ratio of FINV is 0.00, which is an excellent value as it means it would take FINV, only 0.00 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FINV (0.00) is better than 98.15% of its industry peers.
FINV has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.00, FINV belongs to the top of the industry, outperforming 94.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 3.59 |
ROIC/WACC2.5
WACC11.34%
2.3 Liquidity
A Current Ratio of 4.40 indicates that FINV has no problem at all paying its short term obligations.
FINV has a Current ratio of 4.40. This is amongst the best in the industry. FINV outperforms 85.19% of its industry peers.
FINV has a Quick Ratio of 4.40. This indicates that FINV is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 4.40, FINV belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.4 | ||
| Quick Ratio | 4.4 |
3. Growth
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%.
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%N/A
Revenue 1Y (TTM)37.05%
Revenue growth 3Y69.9%
Revenue growth 5YN/A
Sales Q2Q%13.14%
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 5.26% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.21 indicates a rather cheap valuation of FINV.
75.93% of the companies in the same industry are more expensive than FINV, based on the Price/Earnings ratio.
FINV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.27.
FINV is valuated cheaply with a Price/Forward Earnings ratio of 6.39.
Based on the Price/Forward Earnings ratio, FINV is valued a bit cheaper than the industry average as 79.63% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of FINV to the average of the S&P500 Index (22.77), we can say FINV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.21 | ||
| Fwd PE | 6.39 |
4.2 Price Multiples
FINV's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. FINV is cheaper than 92.59% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, FINV is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.81 | ||
| EV/EBITDA | 1.29 |
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. Dividend
5.1 Amount
FINV has a Yearly Dividend Yield of 3.33%.
FINV's Dividend Yield is a higher than the industry average which is at 4.46.
FINV's Dividend Yield is a higher than the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
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
5.3 Sustainability
FINV pays out 18.52% of its income as dividend. This is a sustainable payout ratio.
The dividend of FINV is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP18.52%
EPS Next 2Y6%
EPS Next 3Y2.84%
7.64
-0.07 (-0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners56.01%
Inst Owner Change-0.46%
Ins Owners8.74%
Ins Owner ChangeN/A
Market Cap1.94B
Analysts87.69
Price Target11.83 (54.84%)
Short Float %29.04%
Short Ratio3.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
Yearly Dividend0.25
Dividend Growth(5Y)5.61%
DP18.52%
Div Incr Years5
Div Non Decr Years5
Ex-Date
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)-4.02%
PT rev (3m)-4.02%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)4.45%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.9%
Revenue NY rev (3m)-1.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.21 | ||
| Fwd PE | 6.39 | ||
| P/S | 1.06 | ||
| P/FCF | 4.81 | ||
| P/OCF | 4.77 | ||
| P/B | 0.91 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | 1.29 |
EPS(TTM)1.06
EY13.87%
EPS(NY)1.2
Fwd EY15.65%
FCF(TTM)1.59
FCFY20.78%
OCF(TTM)1.6
OCFY20.98%
SpS7.24
BVpS8.42
TBVpS8.32
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.1% | ||
| ROE | 15.67% | ||
| ROCE | 33.39% | ||
| ROIC | 28.32% | ||
| ROICexc | 36.27% | ||
| ROICexgc | 36.68% | ||
| OM | 54.51% | ||
| PM (TTM) | 18.24% | ||
| GM | 81.77% | ||
| FCFM | 21.93% |
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%
ROICexcg growth 3Y5.31%
ROICexcg 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-Score5
Asset Turnover0.55
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 39.94% | ||
| Cap/Sales | 0.21% | ||
| Interest Coverage | 185.91 | ||
| Cash Conversion | 40.23% | ||
| Profit Quality | 120.24% | ||
| Current Ratio | 4.4 | ||
| Quick Ratio | 4.4 | ||
| Altman-Z | 3.59 |
F-Score5
WACC11.34%
ROIC/WACC2.5
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%13.14%
Revenue Next Year34.34%
Revenue Next 2Y29.09%
Revenue Next 3Y25.24%
Revenue Next 5Y18.38%
EBIT growth 1Y4.64%
EBIT growth 3Y15.88%
EBIT growth 5Y21.9%
EBIT Next Year40.81%
EBIT Next 3Y20.08%
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