FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FINV - US31810T1016 - ADR
5.22 USD
+0.08 (+1.56%)
5.22 USD
0 (0%)
FINV gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on FINV. These ratings would make FINV suitable for value and quality investing!
1. Profitability
1.1 Basic Checks
- FINV had positive earnings in the past year.
- FINV had positive earnings in each of the past 5 years.
- In the past 5 years FINV always reported a positive cash flow from operatings.
1.2 Ratios
- FINV has a better Return On Assets (10.64%) than 86.79% of its industry peers.
- FINV has a better Return On Equity (17.07%) than 67.92% of its industry peers.
- FINV's Return On Invested Capital of 19.01% is amongst the best of the industry. FINV outperforms 88.68% 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 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 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
- With a decent Profit Margin value of 19.99%, FINV is doing good in the industry, outperforming 75.47% 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 88.68% of its industry peers.
- In the last couple of years the Operating Margin of FINV has grown nicely.
- FINV's Gross Margin of 80.60% is fine compared to the rest of the industry. FINV outperforms 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 | 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.
- FINV has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for FINV has been reduced compared to 5 years ago.
- Compared to 1 year ago, FINV has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 2.74 indicates that FINV is not a great score, but indicates only limited risk for bankruptcy at the moment.
- With an excellent Altman-Z score value of 2.74, FINV belongs to the best of the industry, outperforming 86.79% of the companies in the same industry.
- FINV has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
- FINV has a better Debt to Equity ratio (0.07) than 88.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.74 |
ROIC/WACC1.91
WACC9.95%
2.3 Liquidity
- A Current Ratio of 3.64 indicates that FINV has no problem at all paying its short term obligations.
- FINV has a better Current ratio (3.64) than 84.91% 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's Quick ratio of 3.64 is amongst the best of the industry. FINV outperforms 84.91% of its industry peers.
| 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.
- FINV shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.99% yearly.
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
- FINV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.09% yearly.
- The Revenue is expected to grow by 2.78% on average over the next years.
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 3.24 indicates a rather cheap valuation of FINV.
- Based on the Price/Earnings ratio, FINV is valued cheaply inside the industry as 86.79% of the companies are valued more expensively.
- FINV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
- FINV is valuated cheaply with a Price/Forward Earnings ratio of 4.23.
- FINV's Price/Forward Earnings ratio is rather cheap when compared to the industry. FINV is cheaper than 88.68% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.04. FINV is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.24 | ||
| Fwd PE | 4.23 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FINV indicates a rather cheap valuation: FINV is cheaper than 90.57% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.11 |
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)0.95
EPS Next 2Y-6.2%
EPS Next 3Y2.09%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.97%, FINV is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.60, FINV pays a better dividend. On top of this FINV pays more dividend than 81.13% of the companies listed in the same industry.
- FINV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.97% |
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%
5.22
+0.08 (+1.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-19 2025-11-19/amc
Earnings (Next)03-16 2026-03-16/amc
Inst Owners55.97%
Inst Owner Change-0.1%
Ins Owners8.74%
Ins Owner ChangeN/A
Market Cap1.32B
Revenue(TTM)14.00B
Net Income(TTM)2.80B
Analysts87.69
Price Target8.54 (63.6%)
Short Float %25.22%
Short Ratio3.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.97% |
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)0.14%
EPS NY rev (3m)-8.63%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.46%
Revenue NY rev (3m)-4.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.24 | ||
| Fwd PE | 4.23 | ||
| P/S | 0.66 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.56 | ||
| P/tB | 0.57 | ||
| EV/EBITDA | 1.11 |
EPS(TTM)1.61
EY30.84%
EPS(NY)1.23
Fwd EY23.66%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.92
BVpS9.28
TBVpS9.19
PEG (NY)0.37
PEG (5Y)0.95
Graham Number18.33
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 | 2.74 |
F-ScoreN/A
WACC9.95%
ROIC/WACC1.91
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.