FINVOLUTION GROUP-ADR (FINV) Fundamental Analysis & Valuation

NYSE:FINV • US31810T1016

5.24 USD
+0.01 (+0.19%)
At close: Mar 13, 2026
5.185 USD
-0.06 (-1.05%)
After Hours: 3/13/2026, 5:23:34 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This FINV fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

7

We assign a fundamental rating of 7 out of 10 to FINV. FINV was compared to 54 industry peers in the Consumer Finance industry. FINV gets an excellent profitability rating and is at the same time showing great financial health properties. FINV may be a bit undervalued, certainly considering the very reasonable score on growth With these ratings, FINV could be worth investigating further for value and quality investing!.


Dividend Valuation Growth Profitability Health

8

1. FINV Profitability Analysis

1.1 Basic Checks

  • In the past year FINV was profitable.
  • In the past year FINV had a positive cash flow from operations.
  • 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 has a Return On Assets of 10.91%. This is amongst the best in the industry. FINV outperforms 88.89% 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 66.67% of the companies in the same industry.
  • FINV has a better Return On Invested Capital (22.71%) 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 last Return On Invested Capital (22.71%) 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 RankSector 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%
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 20.29%, FINV is doing good in the industry, outperforming 77.78% of the companies in the same industry.
  • FINV's Profit Margin has declined in the last couple of years.
  • FINV has a better Operating Margin (45.73%) than 94.44% 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 81.42%, FINV is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
  • FINV's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
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

9

2. FINV Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), FINV is creating value.
  • Compared to 1 year ago, FINV has less shares outstanding
  • The number of shares outstanding for FINV has been reduced compared to 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

  • FINV has an Altman-Z score of 2.97. 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.
  • With an excellent Altman-Z score value of 2.97, FINV belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • FINV has a debt to FCF ratio of 0.49. This is a very positive value and a sign of high solvency as it would only need 0.49 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.49, FINV belongs to the top of the industry, outperforming 94.44% of the companies in the same industry.
  • A Debt/Equity ratio of 0.07 indicates that FINV is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.07, FINV belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.49
Altman-Z 2.97
ROIC/WACC2.28
WACC9.95%
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

  • A Current Ratio of 5.07 indicates that FINV has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 5.07, FINV belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
  • A Quick Ratio of 5.07 indicates that FINV has no problem at all paying its short term obligations.
  • FINV's Quick ratio of 5.07 is amongst the best of the industry. FINV outperforms 90.74% of its industry peers.
Industry RankSector Rank
Current Ratio 5.07
Quick Ratio 5.07
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. FINV Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 0.50% over the past year.
  • Looking at the last year, FINV shows a quite strong growth in Revenue. The Revenue has grown by 9.11% in the last year.
  • 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)9.11%
Revenue growth 3Y69.9%
Revenue growth 5YN/A
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 5.26% yearly.
  • 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

  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
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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7

4. FINV Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 4.76 indicates a rather cheap valuation of FINV.
  • FINV's Price/Earnings ratio is a bit cheaper when compared to the industry. FINV is cheaper than 75.93% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, FINV is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 4.23, 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 88.89% 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 23.82.
Industry RankSector Rank
PE 4.76
Fwd PE 4.23
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

  • Based on the Enterprise Value to EBITDA ratio, FINV is valued cheaply inside the industry as 92.59% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, FINV is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.03
EV/EBITDA 0.76
FINV Per share dataFINV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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%

More info and screens

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

6

5. FINV Dividend Analysis

5.1 Amount

  • FINV has a Yearly Dividend Yield of 4.91%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.82, FINV pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, FINV pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.91%

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 2Y6%
EPS Next 3Y2.84%
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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FINV Fundamentals: All Metrics, Ratios and Statistics

FINVOLUTION GROUP-ADR

NYSE:FINV (3/13/2026, 5:23:34 PM)

After market: 5.185 -0.06 (-1.05%)

5.24

+0.01 (+0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-19
Earnings (Next)03-16
Inst Owners47.91%
Inst Owner Change-10.05%
Ins Owners4.99%
Ins Owner ChangeN/A
Market Cap1.33B
Revenue(TTM)14.00B
Net Income(TTM)2.80B
Analysts87.69
Price Target8.54 (62.98%)
Short Float %21.56%
Short Ratio5.09
Dividend
Industry RankSector Rank
Dividend Yield 4.91%
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)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.14%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.46%
Valuation
Industry RankSector Rank
PE 4.76
Fwd PE 4.23
P/S 0.66
P/FCF 4.03
P/OCF 4.03
P/B 0.58
P/tB 0.58
EV/EBITDA 0.76
EPS(TTM)1.1
EY20.99%
EPS(NY)1.24
Fwd EY23.65%
FCF(TTM)1.3
FCFY24.83%
OCF(TTM)1.3
OCFY24.83%
SpS7.92
BVpS9.08
TBVpS8.99
PEG (NY)N/A
PEG (5Y)N/A
Graham Number14.99
Profitability
Industry RankSector 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 16.42%
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-Score3
Asset Turnover0.54
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.49
Debt/EBITDA 0.17
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion 35.51%
Profit Quality 80.94%
Current Ratio 5.07
Quick Ratio 5.07
Altman-Z 2.97
F-Score3
WACC9.95%
ROIC/WACC2.28
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)9.11%
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 Year18%
EBIT Next 3Y2.52%
EBIT Next 5YN/A
FCF growth 1Y25.37%
FCF growth 3Y70.81%
FCF growth 5YN/A
OCF growth 1Y25.37%
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 7 / 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 9 / 10.


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.