FINVOLUTION GROUP-ADR (FINV) Fundamental Analysis & Valuation

NYSE:FINV • US31810T1016

Current stock price

5.24 USD
+0.01 (+0.19%)
At close:
5.185 USD
-0.06 (-1.05%)
After Hours:

This FINV fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. FINV Profitability Analysis

1.1 Basic Checks

  • FINV had positive earnings in the past year.
  • In the past year FINV had a positive cash flow from operations.
  • In the past 5 years FINV has always been profitable.
  • FINV had a positive operating cash flow in each 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 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.
  • With a decent Return On Equity value of 17.71%, FINV is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • FINV's Return On Invested Capital of 22.71% is amongst the best of the industry. FINV outperforms 88.89% of its industry peers.
  • FINV had an Average Return On Invested Capital over the past 3 years of 27.17%. This is significantly above the industry average of 12.42%.
  • 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 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's Profit Margin of 20.29% is fine compared to the rest of the industry. FINV outperforms 77.78% of its industry peers.
  • In the last couple of years the Profit Margin of FINV has declined.
  • 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.
  • FINV's Operating Margin has improved in the last couple of years.
  • FINV has a better Gross Margin (81.42%) than 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

9

2. FINV Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), FINV 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.
  • FINV has a better debt/assets ratio than last year.
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 2.97 indicates that FINV is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • FINV has a better Altman-Z score (2.97) than 88.89% of its industry peers.
  • The Debt to FCF ratio of FINV is 0.49, which is an excellent value as it means it would take FINV, only 0.49 years of fcf income to pay off all of its debts.
  • FINV has a better Debt to FCF ratio (0.49) than 94.44% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that FINV is not too dependend on debt financing.
  • FINV's Debt to Equity ratio of 0.07 is amongst the best of the industry. FINV outperforms 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.49
Altman-Z 2.97
ROIC/WACC2.28
WACC9.95%
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's Current ratio of 5.07 is amongst the best of the industry. FINV outperforms 88.89% 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 Quick ratio of 5.07. This is amongst the best in the industry. FINV outperforms 90.74% of its industry peers.
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. FINV Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 0.50% over the past year.
  • FINV shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.11%.
  • 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

  • Based on estimates for the next years, FINV will show a small growth in Earnings Per Share. The EPS will grow by 5.26% on average per year.
  • 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

  • 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 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. FINV Valuation Analysis

4.1 Price/Earnings Ratio

  • FINV is valuated cheaply with a Price/Earnings ratio of 4.76.
  • 75.93% 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 25.70, FINV is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 4.25, the valuation of FINV can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, FINV is valued cheaper than 88.89% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.84. FINV is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 4.76
Fwd PE 4.25
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

  • 92.59% of the companies in the same industry are more expensive than FINV, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, FINV is valued a bit cheaper than the industry average as 64.81% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.04
EV/EBITDA 0.77
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. FINV Dividend Analysis

5.1 Amount

  • FINV has a Yearly Dividend Yield of 4.91%, which is a nice return.
  • FINV's Dividend Yield is a higher than the industry average which is at 3.06.
  • Compared to an average S&P500 Dividend Yield of 1.89, FINV pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.91%

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 0 1B -1B 2B

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FINV Fundamentals: All Metrics, Ratios and Statistics

FINVOLUTION GROUP-ADR

NYSE:FINV (3/13/2026, 8:26:23 PM)

After market: 5.185 -0.06 (-1.05%)

5.24

+0.01 (+0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-19
Earnings (Next)03-16
Inst Owners47.91%
Inst Owner Change-10.05%
Ins Owners4.99%
Ins Owner ChangeN/A
Market Cap1.33B
Revenue(TTM)14.00B
Net Income(TTM)2.80B
Analysts87.69
Price Target8.54 (62.98%)
Short Float %21.56%
Short Ratio5.09
Dividend
Industry RankSector Rank
Dividend Yield 4.91%
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)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.14%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.46%
Valuation
Industry RankSector Rank
PE 4.76
Fwd PE 4.25
P/S 0.66
P/FCF 4.04
P/OCF 4.04
P/B 0.58
P/tB 0.59
EV/EBITDA 0.77
EPS(TTM)1.1
EY20.99%
EPS(NY)1.23
Fwd EY23.56%
FCF(TTM)1.3
FCFY24.73%
OCF(TTM)1.3
OCFY24.73%
SpS7.89
BVpS9.04
TBVpS8.95
PEG (NY)N/A
PEG (5Y)N/A
Graham Number14.96
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 2.97
F-Score3
WACC9.95%
ROIC/WACC2.28
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 Year18%
EBIT Next 3Y2.52%
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 Fundamental Analysis 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 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 9 / 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.