FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FINV - US31810T1016 - ADR
5.35 USD
+0.14 (+2.69%)
5.35 USD
0 (0%)
Taking everything into account, FINV scores 7 out of 10 in our fundamental rating. FINV was compared to 55 industry peers in the Consumer Finance industry. Both the health and profitability get an excellent rating, making FINV a very profitable company, without any liquidiy or solvency issues. FINV has a decent growth rate and is not valued too expensively. These ratings could make FINV a good candidate 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.
FINV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FINV's Return On Assets of 10.91% is amongst the best of the industry. FINV outperforms 89.09% of its industry peers.
FINV's Return On Equity of 17.71% is fine compared to the rest of the industry. FINV outperforms 70.91% of its industry peers.
FINV has a better Return On Invested Capital (22.71%) than 89.09% 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 12.59%.
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
With a decent Profit Margin value of 20.29%, FINV is doing good in the industry, outperforming 78.18% 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 96.36% of its industry peers.
In the last couple of years the Operating Margin of FINV has grown nicely.
With a decent Gross Margin value of 81.42%, FINV is doing good in the industry, outperforming 76.36% 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 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
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.
FINV has a better debt/assets ratio than last year.
2.2 Solvency
FINV has an Altman-Z score of 3.00. This indicates that FINV is financially healthy and has little risk of bankruptcy at the moment.
FINV's Altman-Z score of 3.00 is amongst the best of the industry. FINV outperforms 89.09% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that FINV is not too dependend on debt financing.
FINV has a Debt to Equity ratio of 0.07. This is amongst the best in the industry. FINV outperforms 89.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3 |
ROIC/WACC2.09
WACC10.87%
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.
FINV has a better Current ratio (5.07) than 89.09% of its industry peers.
A Quick Ratio of 5.07 indicates that FINV has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 5.07, FINV belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.07 | ||
| Quick Ratio | 5.07 |
3. Growth
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 very strong growth in Revenue. The Revenue has grown by 37.05%.
Measured over the past years, FINV shows a very strong growth in Revenue. The Revenue has been growing by 69.90% on average per year.
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
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
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
Based on the Price/Earnings ratio of 5.00, the valuation of FINV can be described as very cheap.
FINV's Price/Earnings ratio is a bit cheaper when compared to the industry. FINV is cheaper than 80.00% of the companies in the same industry.
FINV is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 4.44, the valuation of FINV can be described as very cheap.
Based on the Price/Forward Earnings ratio, FINV is valued cheaper than 89.09% of the companies in the same industry.
FINV is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.56, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5 | ||
| Fwd PE | 4.44 |
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 92.73% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 0.83 |
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
FINV has a Yearly Dividend Yield of 5.13%, which is a nice return.
The stock price of FINV dropped by -28.48% 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.
FINV's Dividend Yield is a higher than the industry average which is at 5.09.
Compared to an average S&P500 Dividend Yield of 2.31, FINV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
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%
5.35
+0.14 (+2.69%)
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 Cap1.36B
Revenue(TTM)5.96B
Net Income(TTM)2.80B
Analysts87.69
Price Target8.54 (59.63%)
Short Float %27.42%
Short Ratio4.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
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)-27.83%
PT rev (3m)-27.83%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-8.76%
EPS NY rev (3m)-12.97%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-5.4%
Revenue NY rev (3m)-6.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5 | ||
| Fwd PE | 4.44 | ||
| P/S | 0.69 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.61 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | 0.83 |
EPS(TTM)1.07
EY20%
EPS(NY)1.2
Fwd EY22.51%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.7
BVpS8.82
TBVpS8.74
PEG (NY)N/A
PEG (5Y)N/A
Graham Number14.57
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 | 3 |
F-ScoreN/A
WACC10.87%
ROIC/WACC2.09
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 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 5 and the Price/Book (PB) ratio is 0.61.
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.