FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FINV - US31810T1016 - ADR
5.2 USD
+0.04 (+0.78%)
5.1852 USD
-0.01 (-0.28%)
We assign a fundamental rating of 7 out of 10 to FINV. FINV was compared to 55 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 has a decent growth rate and is not valued too expensively. With these ratings, FINV could be worth investigating further for quality investing!.
1. Profitability
1.1 Basic Checks
In the past year FINV was profitable.
Each year in the past 5 years FINV has been profitable.
In the past 5 years FINV always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of FINV (10.91%) is better than 89.09% of its industry peers.
FINV's Return On Equity of 17.71% is fine compared to the rest of the industry. FINV outperforms 70.91% of its industry peers.
With an excellent Return On Invested Capital value of 22.71%, FINV belongs to the best of the industry, outperforming 89.09% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for FINV is significantly above the industry average of 12.59%.
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
The Profit Margin of FINV (20.29%) is better than 78.18% of its industry peers.
In the last couple of years the Profit Margin of FINV has declined.
FINV's Operating Margin of 45.73% is amongst the best of the industry. FINV outperforms 96.36% of its industry peers.
In the last couple of years the Operating Margin of FINV has grown nicely.
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
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.
FINV has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.98 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 2.98, FINV belongs to the top of the industry, outperforming 89.09% of the companies in the same industry.
FINV has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
FINV has a better Debt to Equity ratio (0.07) than 89.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.98 |
ROIC/WACC2.07
WACC10.95%
2.3 Liquidity
A Current Ratio of 5.07 indicates that FINV has no problem at all paying its short term obligations.
FINV has a Current ratio of 5.07. This is amongst the best in the industry. FINV outperforms 89.09% 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's Quick ratio of 5.07 is amongst the best of the industry. FINV outperforms 90.91% 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 been growing slightly by 0.50% over the past year.
The Revenue has grown by 37.05% in the past year. This is a very strong growth!
The Revenue has been growing by 69.90% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)0.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-7.13%
Revenue 1Y (TTM)37.05%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 4.86, the valuation of FINV can be described as very cheap.
81.82% 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 26.59, FINV is valued rather cheaply.
A Price/Forward Earnings ratio of 4.32 indicates a rather cheap valuation of FINV.
89.09% of the companies in the same industry are more expensive than FINV, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.80. FINV is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.86 | ||
| Fwd PE | 4.32 |
4.2 Price Multiples
FINV's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. FINV is cheaper than 94.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 0.78 |
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 5.13%, which is a nice return.
In the last 3 months the price of FINV has falen by -30.48%. 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 5.09, FINV pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, FINV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
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
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%
5.2
+0.04 (+0.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners55.93%
Inst Owner Change-4.45%
Ins Owners8.74%
Ins Owner ChangeN/A
Market Cap1.32B
Revenue(TTM)5.96B
Net Income(TTM)2.80B
Analysts87.69
Price Target8.54 (64.23%)
Short Float %27.42%
Short Ratio4.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
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)-27.83%
PT rev (3m)-27.83%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-8.76%
EPS NY rev (3m)-12.97%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-5.4%
Revenue NY rev (3m)-6.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.86 | ||
| Fwd PE | 4.32 | ||
| P/S | 0.67 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.59 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | 0.78 |
EPS(TTM)1.07
EY20.58%
EPS(NY)1.21
Fwd EY23.17%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.7
BVpS8.82
TBVpS8.74
PEG (NY)N/A
PEG (5Y)N/A
Graham Number14.58
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 | 2.98 |
F-ScoreN/A
WACC10.95%
ROIC/WACC2.07
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)37.05%
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 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.
Can you provide the valuation status for FINVOLUTION GROUP-ADR?
ChartMill assigns a valuation rating of 6 / 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 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 4.86 and the Price/Book (PB) ratio is 0.59.
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.