FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FINV - US31810T1016 - ADR
5.42 USD
-0.01 (-0.18%)
5.41 USD
-0.01 (-0.18%)
FINV gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. FINV gets an excellent profitability rating and is at the same time showing great financial health properties. 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!
1. Profitability
1.1 Basic Checks
In the past year FINV was profitable.
Each year in the past 5 years FINV has been profitable.
FINV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FINV (10.64%) is better than 87.50% of its industry peers.
Looking at the Return On Equity, with a value of 17.07%, FINV is in the better half of the industry, outperforming 71.43% 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 89.29% 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 12.44%.
The last Return On Invested Capital (19.01%) 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 | 10.64% | ||
| 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
Looking at the Profit Margin, with a value of 19.99%, FINV is in the better half of the industry, outperforming 76.79% of the companies in the same industry.
FINV's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 38.25%, FINV belongs to the best of the industry, outperforming 91.07% of the companies in the same industry.
In the last couple of years the Operating Margin of FINV has grown nicely.
With a decent Gross Margin value of 80.60%, FINV is doing good in the industry, outperforming 76.79% of the companies in the same industry.
FINV's Gross Margin has been stable in the last couple of years.
| 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
FINV has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
The number of shares outstanding for FINV has been reduced compared to 1 year ago.
Compared to 5 years ago, FINV has less shares outstanding
FINV has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.76 indicates that FINV is not a great score, but indicates only limited risk for bankruptcy at the moment.
FINV has a Altman-Z score of 2.76. This is amongst the best in the industry. FINV outperforms 87.50% 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 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.76 |
ROIC/WACC1.76
WACC10.83%
2.3 Liquidity
A Current Ratio of 3.64 indicates that FINV has no problem at all paying its short term obligations.
FINV's Current ratio of 3.64 is amongst the best of the industry. FINV outperforms 82.14% 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.
Looking at the Quick ratio, with a value of 3.64, FINV belongs to the top of the industry, outperforming 82.14% of the companies in the same industry.
| 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.
The Revenue has been growing by 16.99% on average over the past years. This is quite good.
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
Based on estimates for the next years, FINV will show a small growth in Earnings Per Share. The EPS will grow by 2.09% on average per year.
Based on estimates for the next years, FINV will show a small growth in Revenue. The Revenue will grow by 2.78% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
FINV is valuated cheaply with a Price/Earnings ratio of 3.37.
Based on the Price/Earnings ratio, FINV is valued cheaply inside the industry as 89.29% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of FINV to the average of the S&P500 Index (26.92), we can say FINV is valued rather cheaply.
FINV is valuated cheaply with a Price/Forward Earnings ratio of 4.41.
89.29% of the companies in the same industry are more expensive than FINV, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of FINV to the average of the S&P500 Index (23.46), we can say FINV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.37 | ||
| Fwd PE | 4.41 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FINV is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.18 |
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)0.38
PEG (5Y)0.98
EPS Next 2Y-6.2%
EPS Next 3Y2.09%
5. Dividend
5.1 Amount
FINV has a Yearly Dividend Yield of 4.73%, which is a nice return.
In the last 3 months the price of FINV has falen by -28.21%. 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 2.59, FINV pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, FINV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.73% |
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%
5.42
-0.01 (-0.18%)
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 Cap1.37B
Revenue(TTM)14.00B
Net Income(TTM)2.80B
Analysts87.69
Price Target8.54 (57.56%)
Short Float %25.12%
Short Ratio3.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.73% |
Yearly Dividend0.26
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)-25.26%
PT rev (3m)-27.83%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-8.63%
EPS NY rev (3m)-8.63%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-4.97%
Revenue NY rev (3m)-4.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.37 | ||
| Fwd PE | 4.41 | ||
| P/S | 0.69 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.59 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | 1.18 |
EPS(TTM)1.61
EY29.7%
EPS(NY)1.23
Fwd EY22.66%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.88
BVpS9.23
TBVpS9.14
PEG (NY)0.38
PEG (5Y)0.98
Graham Number18.28
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 | 2.76 |
F-ScoreN/A
WACC10.83%
ROIC/WACC1.76
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.
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 3.37 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 grow by 8.78% in the next year.