FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis

NYSE:FINV • US31810T1016

5.625 USD
-0.08 (-1.32%)
Last: Feb 27, 2026, 03:55 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

8

We assign a fundamental rating of 8 out of 10 to FINV. FINV was compared to 54 industry peers in the Consumer Finance industry. Both the health and profitability get an excellent rating, making FINV a very profitable company, without any liquidiy or solvency issues. A decent growth rate in combination with a cheap valuation! Better keep an eye on FINV. These ratings would make FINV suitable for value and quality investing!


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year FINV was profitable.
  • FINV had a positive operating cash flow in the past year.
  • Each year in the past 5 years FINV has been profitable.
  • Each year in the past 5 years FINV 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 0 2B 4B 6B

1.2 Ratios

  • FINV's Return On Assets of 10.91% is amongst the best of the industry. FINV outperforms 88.89% of its industry peers.
  • FINV has a Return On Equity of 17.71%. This is in the better half of the industry: FINV outperforms 68.52% of its industry peers.
  • The Return On Invested Capital of FINV (22.71%) is better than 88.89% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for FINV is significantly above the industry average of 12.20%.
  • The 3 year average ROIC (27.17%) for FINV is well above the current ROIC(22.71%). The reason for the recent decline needs to be investigated.
Industry RankSector 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%
FINV Yearly ROA, ROE, ROICFINV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

1.3 Margins

  • FINV has a better Profit Margin (20.29%) than 77.78% of its industry peers.
  • FINV's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 45.73%, FINV belongs to the top of the industry, outperforming 94.44% of the companies in the same industry.
  • In the last couple of years the Operating Margin of FINV has grown nicely.
  • FINV's Gross Margin of 81.42% is fine compared to the rest of the industry. FINV outperforms 75.93% of its industry peers.
  • In the last couple of years the Gross Margin of FINV has remained more or less at the same level.
Industry RankSector 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%
FINV Yearly Profit, Operating, Gross MarginsFINV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

10

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so FINV is creating value.
  • The number of shares outstanding for FINV has been reduced compared to 1 year ago.
  • FINV has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for FINV has been reduced compared to a year ago.
FINV Yearly Shares OutstandingFINV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 5B 10B 15B 20B

2.2 Solvency

  • An Altman-Z score of 3.02 indicates that FINV is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of FINV (3.02) is better than 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.
  • A Debt/Equity ratio of 0.07 indicates that FINV is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.07, FINV belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.49
Altman-Z 3.02
ROIC/WACC2.33
WACC9.75%
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 0 5B 10B 15B

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 87.04% 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.
  • Looking at the Quick ratio, with a value of 5.07, FINV belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 5.07
Quick Ratio 5.07
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 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. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 0.50% over the past year.
  • The Revenue has grown by 9.11% in the past year. This is quite good.
  • 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%-7.13%
Revenue 1Y (TTM)9.11%
Revenue growth 3Y69.9%
Revenue growth 5YN/A
Sales Q2Q%3.17%

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 5B 10B
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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7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.07, which indicates a rather cheap valuation of FINV.
  • 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.
  • Compared to an average S&P500 Price/Earnings ratio of 27.11, FINV is valued rather cheaply.
  • FINV is valuated cheaply with a Price/Forward Earnings ratio of 4.52.
  • 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 28.13, FINV is valued rather cheaply.
Industry RankSector Rank
PE 5.07
Fwd PE 4.52
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

  • Based on the Enterprise Value to EBITDA ratio, FINV is valued cheaper than 90.74% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, FINV is valued a bit cheaper than 68.52% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.31
EV/EBITDA 0.88
FINV Per share dataFINV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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%

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

6

5. Dividend

5.1 Amount

  • FINV has a Yearly Dividend Yield of 4.49%, which is a nice return.
  • FINV's Dividend Yield is a higher than the industry average which is at 2.75.
  • Compared to an average S&P500 Dividend Yield of 1.80, FINV pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.49%

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
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 0 1B -1B 2B

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FINVOLUTION GROUP-ADR

NYSE:FINV (2/27/2026, 3:55:50 PM)

5.625

-0.08 (-1.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-19
Earnings (Next)03-16
Inst Owners55.97%
Inst Owner Change-10.8%
Ins Owners8.74%
Ins Owner ChangeN/A
Market Cap1.43B
Revenue(TTM)14.00B
Net Income(TTM)2.80B
Analysts87.69
Price Target8.54 (51.82%)
Short Float %22.63%
Short Ratio4.76
Dividend
Industry RankSector Rank
Dividend Yield 4.49%
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)-25.26%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-8.63%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.97%
Valuation
Industry RankSector Rank
PE 5.07
Fwd PE 4.52
P/S 0.71
P/FCF 4.31
P/OCF 4.31
P/B 0.62
P/tB 0.62
EV/EBITDA 0.88
EPS(TTM)1.11
EY19.73%
EPS(NY)1.24
Fwd EY22.12%
FCF(TTM)1.31
FCFY23.22%
OCF(TTM)1.31
OCFY23.22%
SpS7.96
BVpS9.11
TBVpS9.03
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.09
Profitability
Industry RankSector 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 RankSector 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 3.02
F-Score3
WACC9.75%
ROIC/WACC2.33
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%-7.13%
EPS Next Y-14.36%
EPS Next 2Y6%
EPS Next 3Y2.84%
EPS Next 5Y5.26%
Revenue 1Y (TTM)9.11%
Revenue growth 3Y69.9%
Revenue growth 5YN/A
Sales Q2Q%3.17%
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 Year19.81%
EBIT Next 3Y4.61%
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 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.