FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis
USA - NYSE:FINV - US31810T1016 - ADR
6.02 USD
0 (0%)
6.02 USD
0 (0%)
Overall FINV gets a fundamental rating of 8 out of 10. We evaluated FINV against 55 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on FINV. Finally FINV also has an excellent dividend rating. These ratings would make FINV suitable for value and dividend and quality investing!
1. Profitability
1.1 Basic Checks
In the past year FINV was profitable.
FINV had positive earnings in each of the past 5 years.
Each year in the past 5 years FINV had a positive operating cash flow.
1.2 Ratios
FINV has a better Return On Assets (10.91%) than 90.91% of its industry peers.
Looking at the Return On Equity, with a value of 17.71%, FINV is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
FINV has a better Return On Invested Capital (22.71%) than 89.09% 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 11.72%.
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 better Profit Margin (20.29%) than 81.82% of its industry peers.
In the last couple of years the Profit Margin of FINV has declined.
FINV has a better Operating Margin (45.73%) than 96.36% of its industry peers.
FINV's Operating Margin has improved in the last couple of years.
With a decent Gross Margin value of 81.42%, FINV is doing good in the industry, outperforming 76.36% 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 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. 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.
The number of shares outstanding for FINV has been reduced compared to 1 year ago.
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
An Altman-Z score of 3.08 indicates that FINV is not in any danger for bankruptcy at the moment.
FINV has a Altman-Z score of 3.08. This is amongst the best in the industry. FINV outperforms 89.09% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that FINV is not too dependend on debt financing.
FINV has a Debt to Equity ratio of 0.07. This is amongst the best in the industry. FINV outperforms 89.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.08 |
ROIC/WACC2.02
WACC11.24%
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 87.27% of its industry peers.
FINV has a Quick 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 Quick ratio (5.07) than 89.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.07 | ||
| Quick Ratio | 5.07 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 34.08% over the past year.
FINV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.42% yearly.
The Revenue has grown by 8.13% in the past year. This is quite good.
The Revenue has been growing by 16.99% on average over the past years. This is quite good.
EPS 1Y (TTM)34.08%
EPS 3Y2.31%
EPS 5Y3.42%
EPS Q2Q%37.73%
Revenue 1Y (TTM)8.13%
Revenue growth 3Y11.33%
Revenue growth 5Y16.99%
Sales Q2Q%13.14%
3.2 Future
The Earnings Per Share is expected to grow by 14.44% on average over the next years. This is quite good.
The Revenue is expected to grow by 8.61% on average over the next years. This is quite good.
EPS Next Y19.05%
EPS Next 2Y16.9%
EPS Next 3Y14.44%
EPS Next 5YN/A
Revenue Next Year8.67%
Revenue Next 2Y8.37%
Revenue Next 3Y8.61%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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.
4. Valuation
4.1 Price/Earnings Ratio
FINV is valuated cheaply with a Price/Earnings ratio of 3.86.
Based on the Price/Earnings ratio, FINV is valued cheaply inside the industry as 89.09% of the companies are valued more expensively.
FINV is valuated cheaply when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 3.20, the valuation of FINV can be described as very cheap.
Based on the Price/Forward Earnings ratio, FINV is valued cheaper than 89.09% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 32.68. FINV is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.86 | ||
| Fwd PE | 3.2 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FINV is valued cheaper than 92.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.03 |
4.3 Compensation for Growth
The 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.
A more expensive valuation may be justified as FINV's earnings are expected to grow with 14.44% in the coming years.
PEG (NY)0.2
PEG (5Y)1.13
EPS Next 2Y16.9%
EPS Next 3Y14.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.27%, FINV is a good candidate for dividend investing.
In the last 3 months the price of FINV has falen by -34.78%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 4.79, FINV pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, FINV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.27% |
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 earnings are growing more, so the dividend growth is sustainable.
DPN/A
EPS Next 2Y16.9%
EPS Next 3Y14.44%
6.02
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners57.08%
Inst Owner Change0.83%
Ins Owners8.74%
Ins Owner ChangeN/A
Market Cap1.53B
Revenue(TTM)13.79B
Net Income(TTM)2.80B
Analysts87.69
Price Target11.83 (96.51%)
Short Float %25.42%
Short Ratio3.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.27% |
Yearly Dividend0.25
Dividend Growth(5Y)5.61%
DPN/A
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)0%
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)-4.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.86 | ||
| Fwd PE | 3.2 | ||
| P/S | 0.79 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.69 | ||
| P/tB | 0.69 | ||
| EV/EBITDA | 1.03 |
EPS(TTM)1.56
EY25.91%
EPS(NY)1.88
Fwd EY31.22%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.64
BVpS8.76
TBVpS8.67
PEG (NY)0.2
PEG (5Y)1.13
Graham Number17.53
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 | 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 Turnover0.54
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0.17 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 5.07 | ||
| Quick Ratio | 5.07 | ||
| Altman-Z | 3.08 |
F-ScoreN/A
WACC11.24%
ROIC/WACC2.02
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)34.08%
EPS 3Y2.31%
EPS 5Y3.42%
EPS Q2Q%37.73%
EPS Next Y19.05%
EPS Next 2Y16.9%
EPS Next 3Y14.44%
EPS Next 5YN/A
Revenue 1Y (TTM)8.13%
Revenue growth 3Y11.33%
Revenue growth 5Y16.99%
Sales Q2Q%13.14%
Revenue Next Year8.67%
Revenue Next 2Y8.37%
Revenue Next 3Y8.61%
Revenue Next 5YN/A
EBIT growth 1Y-10.03%
EBIT growth 3Y15.88%
EBIT growth 5Y21.9%
EBIT Next Year30.1%
EBIT Next 3Y15.84%
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 8 / 10 to FINV.
Can you provide the valuation status for FINVOLUTION GROUP-ADR?
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.
What are the PE and PB ratios of FINVOLUTION GROUP-ADR (FINV) stock?
The Price/Earnings (PE) ratio for FINVOLUTION GROUP-ADR (FINV) is 3.86 and the Price/Book (PB) ratio is 0.69.
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 19.05% in the next year.