FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis
NYSE:FINV - New York Stock Exchange, Inc. - US31810T1016 - ADR - Currency: USD
Overall FINV gets a fundamental rating of 7 out of 10. We evaluated FINV against 53 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination. With these ratings, FINV could be worth investigating further for value and quality investing!.
1. Profitability
1.1 Basic Checks
In the past year FINV was profitable.
In the past 5 years FINV has always been profitable.
FINV had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 10.10%, FINV belongs to the top of the industry, outperforming 86.79% of the companies in the same industry.
FINV's Return On Equity of 15.67% is fine compared to the rest of the industry. FINV outperforms 67.92% of its industry peers.
The Return On Invested Capital of FINV (28.32%) is better than 98.11% of its industry peers.
FINV had an Average Return On Invested Capital over the past 3 years of 27.21%. This is significantly above the industry average of 8.60%.
The last Return On Invested Capital (28.32%) for FINV is above the 3 year average (27.21%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.1% | ||
| ROE | 15.67% | ||
| ROIC | 28.32% |
ROA(3y)10.56%
ROA(5y)11.76%
ROE(3y)17.01%
ROE(5y)19.63%
ROIC(3y)27.21%
ROIC(5y)26.16%
1.3 Margins
FINV has a Profit Margin of 18.24%. This is amongst the best in the industry. FINV outperforms 83.02% of its industry peers.
FINV's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 54.51%, FINV belongs to the best of the industry, outperforming 100.00% 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 (81.77%) than 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 | 54.51% | ||
| PM (TTM) | 18.24% | ||
| GM | 81.77% |
OM growth 3Y4.08%
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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), FINV is creating value.
FINV has a better debt/assets ratio than last year.
2.2 Solvency
FINV has an Altman-Z score of 3.63. This indicates that FINV is financially healthy and has little risk of bankruptcy at the moment.
FINV has a Altman-Z score of 3.63. This is amongst the best in the industry. FINV outperforms 88.68% of its industry peers.
FINV has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
FINV has a Debt to Equity ratio of 0.00. This is amongst the best in the industry. FINV outperforms 90.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.63 |
ROIC/WACC3.52
WACC8.05%
2.3 Liquidity
FINV has a Current Ratio of 4.40. This indicates that FINV is financially healthy and has no problem in meeting its short term obligations.
FINV has a better Current ratio (4.40) than 86.79% of its industry peers.
FINV has a Quick Ratio of 4.40. This indicates that FINV is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of FINV (4.40) is better than 86.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.4 | ||
| Quick Ratio | 4.4 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.69% over the past year.
FINV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.36% yearly.
The Revenue has been growing slightly by 4.13% in the past year.
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)8.69%
EPS 3Y2.22%
EPS 5Y3.36%
EPS Q2Q%36.12%
Revenue 1Y (TTM)4.13%
Revenue growth 3Y11.33%
Revenue growth 5Y16.99%
Sales Q2Q%7.23%
3.2 Future
Based on estimates for the next years, FINV will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.46% on average per year.
Based on estimates for the next years, FINV will show a quite strong growth in Revenue. The Revenue will grow by 9.70% on average per year.
EPS Next Y19.5%
EPS Next 2Y17.16%
EPS Next 3Y15.46%
EPS Next 5YN/A
Revenue Next Year11.81%
Revenue Next 2Y11.29%
Revenue Next 3Y9.7%
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 accelerating.
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
Based on the Price/Earnings ratio of 6.15, the valuation of FINV can be described as very cheap.
FINV's Price/Earnings ratio is rather cheap when compared to the industry. FINV is cheaper than 83.02% of the companies in the same industry.
When comparing the Price/Earnings ratio of FINV to the average of the S&P500 Index (28.64), we can say FINV is valued rather cheaply.
FINV is valuated cheaply with a Price/Forward Earnings ratio of 4.75.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FINV indicates a rather cheap valuation: FINV is cheaper than 90.57% of the companies listed 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 21.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.15 | ||
| Fwd PE | 4.75 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
FINV has an outstanding profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as FINV's earnings are expected to grow with 15.46% in the coming years.
PEG (NY)0.32
PEG (5Y)1.83
EPS Next 2Y17.16%
EPS Next 3Y15.46%
5. Dividend
5.1 Amount
FINV has a Yearly Dividend Yield of 3.59%.
Compared to an average industry Dividend Yield of 4.83, FINV pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.52, FINV pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.59% |
5.2 History
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 last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
DPN/A
EPS Next 2Y17.16%
EPS Next 3Y15.46%
NYSE:FINV (4/24/2025, 9:31:39 AM)
7.63
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners51.99%
Inst Owner Change0.08%
Ins Owners8.39%
Ins Owner ChangeN/A
Market Cap1.98B
Analysts86.15
Price Target12.17 (59.5%)
Short Float %11.32%
Short Ratio3.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.59% |
Yearly Dividend0.21
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years4
Div Non Decr Years4
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)60.58%
PT rev (3m)63.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)6.96%
EPS NY rev (3m)6.96%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.56%
Revenue NY rev (3m)3.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.15 | ||
| Fwd PE | 4.75 | ||
| P/S | 1.11 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.95 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.24
EY16.25%
EPS(NY)1.61
Fwd EY21.04%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS6.9
BVpS8.03
TBVpS7.93
PEG (NY)0.32
PEG (5Y)1.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.1% | ||
| ROE | 15.67% | ||
| ROCE | 33.39% | ||
| ROIC | 28.32% | ||
| ROICexc | 36.27% | ||
| ROICexgc | 36.68% | ||
| OM | 54.51% | ||
| PM (TTM) | 18.24% | ||
| GM | 81.77% | ||
| FCFM | N/A |
ROA(3y)10.56%
ROA(5y)11.76%
ROE(3y)17.01%
ROE(5y)19.63%
ROIC(3y)27.21%
ROIC(5y)26.16%
ROICexc(3y)34.87%
ROICexc(5y)33.6%
ROICexgc(3y)35.23%
ROICexgc(5y)33.97%
ROCE(3y)32.07%
ROCE(5y)30.84%
ROICexcg growth 3Y5.48%
ROICexcg growth 5Y9.82%
ROICexc growth 3Y5.5%
ROICexc growth 5Y9.82%
OM growth 3Y4.08%
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 Turnover0.55
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| 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 | 4.4 | ||
| Quick Ratio | 4.4 | ||
| Altman-Z | 3.63 |
F-ScoreN/A
WACC8.05%
ROIC/WACC3.52
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)8.69%
EPS 3Y2.22%
EPS 5Y3.36%
EPS Q2Q%36.12%
EPS Next Y19.5%
EPS Next 2Y17.16%
EPS Next 3Y15.46%
EPS Next 5YN/A
Revenue 1Y (TTM)4.13%
Revenue growth 3Y11.33%
Revenue growth 5Y16.99%
Sales Q2Q%7.23%
Revenue Next Year11.81%
Revenue Next 2Y11.29%
Revenue Next 3Y9.7%
Revenue Next 5YN/A
EBIT growth 1Y4.64%
EBIT growth 3Y15.87%
EBIT growth 5Y21.9%
EBIT Next Year23.07%
EBIT Next 3Y19.05%
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