FINVOLUTION GROUP-ADR (FINV) Fundamental Analysis & Valuation

NYSE:FINV • US31810T1016

Current stock price

4.66 USD
+0.04 (+0.87%)
At close:
4.6595 USD
0 (-0.01%)
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.
  • FINV had positive earnings in each of the past 5 years.
  • FINV had a positive operating cash flow in 4 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 2025 0 2B 4B 6B

1.2 Ratios

  • With an excellent Return On Assets value of 10.00%, FINV belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
  • With a Return On Equity value of 15.36%, FINV perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
  • FINV's Return On Invested Capital of 14.11% is amongst the best of the industry. FINV outperforms 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

  • FINV has a Profit Margin of 18.74%. This is in the better half of the industry: FINV outperforms 72.22% of its industry peers.
  • FINV's Profit Margin has declined in the last couple of years.
  • With a decent Operating Margin value of 29.30%, FINV is doing good in the industry, outperforming 75.93% of the companies in the same industry.
  • In the last couple of years the Operating Margin of FINV has declined.
  • FINV's Gross Margin of 78.63% is fine compared to the rest of the industry. FINV outperforms 68.52% of its industry peers.
  • FINV's Gross Margin has been stable in the last couple of years.
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

  • 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 about the same amount of shares outstanding.
  • The number of shares outstanding for FINV has been reduced compared to 5 years ago.
  • The debt/assets ratio for FINV is higher compared to a year ago.
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 2.64 indicates that FINV is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.64, FINV belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
  • A Debt/Equity ratio of 0.08 indicates that FINV is not too dependend on debt financing.
  • The Debt to Equity ratio of FINV (0.08) is better than 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z 2.64
ROIC/WACC1.38
WACC10.24%
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.
  • FINV's Quick ratio of 4.01 is amongst the best of the industry. FINV outperforms 88.89% of its industry peers.
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

  • The Earnings Per Share has been growing slightly by 0.50% over the past year.
  • 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

  • FINV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.26% yearly.
  • The Revenue is expected to grow by 18.38% on average over the next years. This is quite good.
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.
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

  • FINV is valuated cheaply with a Price/Earnings ratio of 4.24.
  • Based on the Price/Earnings ratio, FINV is valued a bit cheaper than 77.78% of the companies in the same industry.
  • FINV is valuated cheaply when we compare the Price/Earnings ratio to 24.89, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 3.78 indicates a rather cheap valuation of FINV.
  • FINV's Price/Forward Earnings ratio is rather cheap when compared to the industry. FINV is cheaper than 88.89% of the companies in the same industry.
  • FINV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 4.24
Fwd PE 3.78
FINV Price Earnings VS Forward Price EarningsFINV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

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.
  • FINV's Dividend Yield is a higher than the industry average which is at 3.15.
  • FINV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
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

  • FINV's earnings are growing slower than its dividend. 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 (3/27/2026, 8:17:18 PM)

After market: 4.6595 0 (-0.01%)

4.66

+0.04 (+0.87%)

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 Cap1.18B
Revenue(TTM)13.57B
Net Income(TTM)2.54B
Analysts87.69
Price Target8.63 (85.19%)
Short Float %18.74%
Short Ratio4.58
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 4.24
Fwd PE 3.78
P/S 0.6
P/FCF N/A
P/OCF N/A
P/B 0.49
P/tB 0.5
EV/EBITDA N/A
EPS(TTM)1.1
EY23.61%
EPS(NY)1.23
Fwd EY26.42%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.74
BVpS9.45
TBVpS9.25
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.29
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 2.64
F-ScoreN/A
WACC10.24%
ROIC/WACC1.38
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.


What is the profitability of FINV stock?

FINVOLUTION GROUP-ADR (FINV) has a profitability rating of 7 / 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 decline by -14.36% in the next year.