FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FINV - US31810T1016 - ADR
5.15 USD
-0.11 (-2.09%)
5.21 USD
+0.06 (+1.17%)
Overall FINV gets a fundamental rating of 7 out of 10. We evaluated FINV against 53 industry peers in the Consumer Finance industry. FINV gets an excellent profitability rating and is at the same time showing great financial health properties. FINV may be a bit undervalued, certainly considering the very reasonable score on growth With these ratings, FINV could be worth investigating further for value and quality investing!.
1. Profitability
1.1 Basic Checks
- FINV had positive earnings in the past year.
- In the past 5 years FINV has always been profitable.
- Each year in the past 5 years FINV had a positive operating cash flow.
1.2 Ratios
- With an excellent Return On Assets value of 10.64%, FINV belongs to the best of the industry, outperforming 86.79% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 17.07%, FINV is in the better half of the industry, outperforming 67.92% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 19.01%, FINV belongs to the top of the industry, outperforming 88.68% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for FINV is significantly above the industry average of 12.42%.
- The 3 year average ROIC (27.17%) for FINV is well above the current ROIC(19.01%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.64% | ||
| ROE | 17.07% | ||
| ROIC | 19.01% |
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's Profit Margin of 19.99% is fine compared to the rest of the industry. FINV outperforms 75.47% of its industry peers.
- In the last couple of years the Profit Margin of FINV has declined.
- FINV has a better Operating Margin (38.25%) than 88.68% of its industry peers.
- FINV's Operating Margin has improved in the last couple of years.
- FINV has a Gross Margin of 80.60%. This is in the better half of the industry: FINV outperforms 79.25% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.25% | ||
| PM (TTM) | 19.99% | ||
| GM | 80.6% |
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
- 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 less shares outstanding
- FINV has less shares outstanding than it did 5 years ago.
- FINV has a better debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 2.74 indicates that FINV is not a great score, but indicates only limited risk for bankruptcy at the moment.
- With an excellent Altman-Z score value of 2.74, FINV belongs to the best of the industry, outperforming 86.79% of the companies in the same industry.
- 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 88.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.74 |
ROIC/WACC1.9
WACC9.99%
2.3 Liquidity
- A Current Ratio of 3.64 indicates that FINV has no problem at all paying its short term obligations.
- With an excellent Current ratio value of 3.64, FINV belongs to the best of the industry, outperforming 84.91% of the companies in the same industry.
- A Quick Ratio of 3.64 indicates that FINV has no problem at all paying its short term obligations.
- FINV has a Quick ratio of 3.64. This is amongst the best in the industry. FINV outperforms 84.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.64 | ||
| Quick Ratio | 3.64 |
3. Growth
3.1 Past
- FINV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.38%, which is quite impressive.
- The Earnings Per Share has been growing slightly by 3.42% on average over the past years.
- The Revenue has grown by 9.11% in the past year. This is quite good.
- Measured over the past years, FINV shows a quite strong growth in Revenue. The Revenue has been growing by 16.99% on average per year.
EPS 1Y (TTM)27.38%
EPS 3Y2.31%
EPS 5Y3.42%
EPS Q2Q%-7.13%
Revenue 1Y (TTM)9.11%
Revenue growth 3Y11.33%
Revenue growth 5Y16.99%
Sales Q2Q%3.17%
3.2 Future
- FINV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.09% yearly.
- FINV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.78% yearly.
EPS Next Y8.78%
EPS Next 2Y-6.2%
EPS Next 3Y2.09%
EPS Next 5YN/A
Revenue Next Year3.28%
Revenue Next 2Y-2.42%
Revenue Next 3Y2.78%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- 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
- A Price/Earnings ratio of 3.18 indicates a rather cheap valuation of FINV.
- 86.79% of the companies in the same industry are more expensive than FINV, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, FINV is valued rather cheaply.
- The Price/Forward Earnings ratio is 4.17, which indicates a rather cheap valuation of FINV.
- 88.68% of the companies in the same industry are more expensive than FINV, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, FINV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.18 | ||
| Fwd PE | 4.17 |
4.2 Price Multiples
- 88.68% of the companies in the same industry are more expensive than FINV, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.12 |
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.
PEG (NY)0.36
PEG (5Y)0.93
EPS Next 2Y-6.2%
EPS Next 3Y2.09%
5. Dividend
5.1 Amount
- FINV has a Yearly Dividend Yield of 4.89%, which is a nice return.
- The stock price of FINV dropped by -20.40% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
- Compared to an average industry Dividend Yield of 2.60, FINV pays a better dividend. On top of this FINV pays more dividend than 81.13% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.89, FINV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.89% |
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 the earnings are growing slower. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y-6.2%
EPS Next 3Y2.09%
5.15
-0.11 (-2.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-19 2025-11-19/amc
Earnings (Next)03-16 2026-03-16/amc
Inst Owners55.97%
Inst Owner Change-0.1%
Ins Owners8.74%
Ins Owner ChangeN/A
Market Cap1.31B
Revenue(TTM)14.00B
Net Income(TTM)2.80B
Analysts87.69
Price Target8.54 (65.83%)
Short Float %25.22%
Short Ratio3.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.89% |
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)-27.83%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.14%
EPS NY rev (3m)-8.63%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.46%
Revenue NY rev (3m)-4.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.18 | ||
| Fwd PE | 4.17 | ||
| P/S | 0.65 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.55 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | 1.12 |
EPS(TTM)1.62
EY31.46%
EPS(NY)1.24
Fwd EY24.01%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.93
BVpS9.29
TBVpS9.2
PEG (NY)0.36
PEG (5Y)0.93
Graham Number18.4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.64% | ||
| ROE | 17.07% | ||
| ROCE | 22.5% | ||
| ROIC | 19.01% | ||
| ROICexc | 23.11% | ||
| ROICexgc | 23.29% | ||
| OM | 38.25% | ||
| PM (TTM) | 19.99% | ||
| GM | 80.6% | ||
| 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 Turnover0.53
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0.21 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 3.64 | ||
| Quick Ratio | 3.64 | ||
| Altman-Z | 2.74 |
F-ScoreN/A
WACC9.99%
ROIC/WACC1.9
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)27.38%
EPS 3Y2.31%
EPS 5Y3.42%
EPS Q2Q%-7.13%
EPS Next Y8.78%
EPS Next 2Y-6.2%
EPS Next 3Y2.09%
EPS Next 5YN/A
Revenue 1Y (TTM)9.11%
Revenue growth 3Y11.33%
Revenue growth 5Y16.99%
Sales Q2Q%3.17%
Revenue Next Year3.28%
Revenue Next 2Y-2.42%
Revenue Next 3Y2.78%
Revenue Next 5YN/A
EBIT growth 1Y-23.94%
EBIT growth 3Y15.88%
EBIT growth 5Y21.9%
EBIT Next Year19.81%
EBIT Next 3Y4.61%
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 7 / 10 to FINV.
What is the valuation status for FINV stock?
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.
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 grow by 8.78% in the next year.