FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FINV - US31810T1016 - ADR
4.74 USD
-0.03 (-0.63%)
4.86 USD
+0.12 (+2.53%)
Overall FINV gets a fundamental rating of 7 out of 10. We evaluated FINV against 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. This makes FINV very considerable for quality investing!
1. Profitability
1.1 Basic Checks
FINV had positive earnings in the past year.
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
FINV has a better Return On Assets (10.91%) than 90.91% of its industry peers.
Looking at the Return On Equity, with a value of 17.71%, FINV is in the better half of the industry, outperforming 72.73% 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 89.09% 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 11.61%.
The 3 year average ROIC (27.17%) for FINV is well above the current ROIC(22.71%). The reason for the recent decline needs to be investigated.
| 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
Looking at the Profit Margin, with a value of 20.29%, FINV is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
FINV's Profit Margin has declined in the last couple of years.
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.
FINV has a Gross Margin of 81.42%. This is in the better half of the industry: FINV outperforms 76.36% of its industry peers.
FINV's Gross Margin has been stable in the last couple of years.
| 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
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.
Compared to 5 years ago, FINV has less shares outstanding
Compared to 1 year ago, FINV has an improved debt to assets ratio.
2.2 Solvency
FINV has an Altman-Z score of 2.94. This is not the best score and indicates that FINV is in the grey zone with still only limited risk for bankruptcy at the moment.
FINV's Altman-Z score of 2.94 is amongst the best of the industry. FINV outperforms 87.27% of its industry peers.
FINV has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.07, FINV belongs to the top of the industry, outperforming 89.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.94 |
ROIC/WACC1.92
WACC11.81%
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.
With an excellent Current ratio value of 5.07, FINV belongs to the best of the industry, outperforming 87.27% of the companies in the same industry.
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 89.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.07 | ||
| Quick Ratio | 5.07 |
3. Growth
3.1 Past
FINV shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.50%.
Looking at the last year, FINV shows a very strong growth in Revenue. The Revenue has grown by 37.05%.
FINV shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 69.90% yearly.
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
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 4.47, the valuation of FINV can be described as very cheap.
Based on the Price/Earnings ratio, FINV is valued cheaper than 81.82% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.45. FINV is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 3.96, the valuation of FINV can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FINV indicates a rather cheap valuation: FINV is cheaper than 89.09% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of FINV to the average of the S&P500 Index (34.46), we can say FINV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.47 | ||
| Fwd PE | 3.96 |
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 | 0.68 |
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
With a Yearly Dividend Yield of 5.39%, FINV is a good candidate for dividend investing.
The stock price of FINV dropped by -49.73% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 5.07, FINV pays a bit more dividend than its industry peers.
FINV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
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
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 2Y6%
EPS Next 3Y2.84%
4.74
-0.03 (-0.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners57.08%
Inst Owner Change-4.88%
Ins Owners8.74%
Ins Owner ChangeN/A
Market Cap1.20B
Revenue(TTM)5.96B
Net Income(TTM)2.80B
Analysts87.69
Price Target11.42 (140.93%)
Short Float %37.84%
Short Ratio6.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
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)0%
PT rev (3m)-4.02%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-4.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.47 | ||
| Fwd PE | 3.96 | ||
| P/S | 0.62 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.54 | ||
| P/tB | 0.55 | ||
| EV/EBITDA | 0.68 |
EPS(TTM)1.06
EY22.36%
EPS(NY)1.2
Fwd EY25.25%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.65
BVpS8.76
TBVpS8.68
PEG (NY)N/A
PEG (5Y)N/A
Graham Number14.46
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 | 2.94 |
F-ScoreN/A
WACC11.81%
ROIC/WACC1.92
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 Year30.1%
EBIT Next 3Y15.84%
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 4.47 and the Price/Book (PB) ratio is 0.54.
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.