FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:FINV • US31810T1016

5.315 USD
+0.19 (+3.61%)
Last: Feb 6, 2026, 11:53 AM
Fundamental Rating

7

Overall FINV gets a fundamental rating of 7 out of 10. We evaluated FINV against 54 industry peers in the Consumer Finance industry. FINV scores excellent points on both the profitability and health parts. This is a solid base for a good stock. A decent growth rate in combination with a cheap valuation! Better keep an eye on FINV. This makes FINV very considerable for value and quality investing!


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year FINV was profitable.
  • In the past 5 years FINV has always 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 10.64% is amongst the best of the industry. FINV outperforms 87.04% of its industry peers.
  • FINV has a Return On Equity of 17.07%. This is in the better half of the industry: FINV outperforms 68.52% of its industry peers.
  • The Return On Invested Capital of FINV (19.01%) is better than 88.89% of its industry peers.
  • 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 RankSector 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%
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

  • With a decent Profit Margin value of 19.99%, FINV is doing good in the industry, outperforming 75.93% of the companies in the same industry.
  • FINV's Profit Margin has declined in the last couple of years.
  • FINV has a Operating Margin of 38.25%. This is amongst the best in the industry. FINV outperforms 88.89% of its industry peers.
  • In the last couple of years the Operating Margin of FINV has grown nicely.
  • Looking at the Gross Margin, with a value of 80.60%, FINV is in the better half of the industry, outperforming 79.63% 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 RankSector 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%
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

7

2. Health

2.1 Basic Checks

  • FINV has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it 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.
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 2.73 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 (2.73) than 87.04% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that FINV is not too dependend on debt financing.
  • The Debt to Equity ratio of FINV (0.07) is better than 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Altman-Z 2.73
ROIC/WACC1.9
WACC10%
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 3.64. This indicates that FINV is financially healthy and has no problem in meeting its short term obligations.
  • FINV has a Current ratio of 3.64. This is amongst the best in the industry. FINV outperforms 85.19% of its industry peers.
  • FINV has a Quick Ratio of 3.64. This indicates that FINV is financially healthy and has no problem in meeting its short term obligations.
  • FINV has a Quick ratio of 3.64. This is amongst the best in the industry. FINV outperforms 85.19% of its industry peers.
Industry RankSector Rank
Current Ratio 3.64
Quick Ratio 3.64
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

  • 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.
  • Measured over the past 5 years, FINV shows a small growth in Earnings Per Share. The EPS has been growing by 3.42% on average per year.
  • 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

  • The Earnings Per Share is expected to grow by 2.09% on average over the next years.
  • 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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
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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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 3.28, the valuation of FINV can be described as very cheap.
  • Based on the Price/Earnings ratio, FINV is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, FINV is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 4.28, 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.
  • When comparing the Price/Forward Earnings ratio of FINV to the average of the S&P500 Index (27.20), we can say FINV is valued rather cheaply.
Industry RankSector Rank
PE 3.28
Fwd PE 4.28
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

  • 88.89% of the companies in the same industry are more expensive than FINV, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.07
FINV Per share dataFINV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • FINV's 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)0.37
PEG (5Y)0.96
EPS Next 2Y-6.2%
EPS Next 3Y2.09%

More info and screens

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.99%, FINV is a good candidate for dividend investing.
  • FINV's Dividend Yield is a higher than the industry average which is at 2.67.
  • Compared to an average S&P500 Dividend Yield of 1.82, FINV pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.99%

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 2Y-6.2%
EPS Next 3Y2.09%
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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Find the best dividend stocksShow peers with best dividend

FINVOLUTION GROUP-ADR

NYSE:FINV (2/6/2026, 11:53:41 AM)

5.315

+0.19 (+3.61%)

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-4.09%
Ins Owners8.74%
Ins Owner ChangeN/A
Market Cap1.35B
Revenue(TTM)14.00B
Net Income(TTM)2.80B
Analysts87.69
Price Target8.54 (60.68%)
Short Float %24.94%
Short Ratio4.21
Dividend
Industry RankSector Rank
Dividend Yield 4.99%
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%
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 3.28
Fwd PE 4.28
P/S 0.67
P/FCF N/A
P/OCF N/A
P/B 0.57
P/tB 0.58
EV/EBITDA 1.07
EPS(TTM)1.62
EY30.48%
EPS(NY)1.24
Fwd EY23.36%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.96
BVpS9.33
TBVpS9.24
PEG (NY)0.37
PEG (5Y)0.96
Graham Number18.44
Profitability
Industry RankSector 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 RankSector 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 2.73
F-ScoreN/A
WACC10%
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.