Business Description
FinVolution Group
ISIN : US31810T1016
Share Class Description:
FINV: ADRTotal Employee Number:
3,869Description
FinVolution Group is a provider of online consumer finance in China. The company offers various loan products, making financial services available to borrowers anytime, anywhere; designs a loan transaction process, and offers tailored risk-based pricing. It offers short-term loans to borrowers to meet immediate credit needs while allowing them to gradually establish their credit history through activities on the company's platform. The company generates revenues from fees charged to borrowers. The Group's long-lived assets are located in the PRC, and its revenues are derived from within the PRC.
Financial Strength
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 5.34 | |||||
Equity-to-Asset | 0.63 | |||||
Debt-to-Equity | 0.09 | |||||
Debt-to-EBITDA | 0.51 | |||||
Interest Coverage | 149.22 | |||||
Piotroski F-Score | 4/9 | |||||
Altman Z-Score | 2.68 | |||||
Beneish M-Score | -2.1 | |||||
WACC vs ROIC | ||||||
Growth Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 9.2 | |||||
3-Year EBITDA Growth Rate | 10.4 | |||||
3-Year EPS without NRI Growth Rate | 7.4 | |||||
3-Year FCF Growth Rate | 118.1 | |||||
3-Year Book Growth Rate | 15.4 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 3.28 |
Momentum Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 48.13 | |||||
9-Day RSI | 45.71 | |||||
14-Day RSI | 46.07 | |||||
3-1 Month Momentum % | 7.14 | |||||
6-1 Month Momentum % | -8.67 | |||||
12-1 Month Momentum % | -48.06 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 3.99 | |||||
Quick Ratio | 3.99 | |||||
Cash Ratio | 1.53 | |||||
Days Sales Outstanding | 62.3 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 6.38 | |||||
Dividend Payout Ratio | 0.22 | |||||
3-Year Dividend Growth Rate | 13.6 | |||||
Forward Dividend Yield % | 6.38 | |||||
5-Year Yield-on-Cost % | 12.87 | |||||
3-Year Average Share Buyback Ratio | 4.9 | |||||
Shareholder Yield % | -8.7 |
Profitability Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 77.01 | |||||
Operating Margin % | 19.66 | |||||
Net Margin % | 16.54 | |||||
EBITDA Margin % | 20.79 | |||||
FCF Margin % | 11.78 | |||||
OCF Margin % | 11.78 | |||||
ROE % | 13.76 | |||||
ROA % | 8.69 | |||||
ROIC % | 14.72 | |||||
3-Year ROIIC % | 7.48 | |||||
ROC (Joel Greenblatt) % | 290.85 | |||||
ROCE % | 13.35 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 4 | |||||
Tariff Resilience Score | 6 |
GF Value Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 4.02 | |||||
Forward PE Ratio | 3.92 | |||||
PE Ratio without NRI | 3.78 | |||||
Shiller PE Ratio | 5.38 | |||||
Price-to-Owner-Earnings | 3.98 | |||||
PEG Ratio | 0.65 | |||||
PS Ratio | 0.67 | |||||
PB Ratio | 0.48 | |||||
Price-to-Tangible-Book | 0.49 | |||||
Price-to-Free-Cash-Flow | 5.78 | |||||
Price-to-Operating-Cash-Flow | 5.78 | |||||
EV-to-EBIT | 0.8 | |||||
EV-to-EBITDA | 0.8 | |||||
EV-to-Revenue | 0.17 | |||||
EV-to-Forward-Revenue | 0.11 | |||||
EV-to-FCF | 1.4 | |||||
Price-to-GF-Value | 0.82 | |||||
Price-to-Projected-FCF | 0.26 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.7 | |||||
Price-to-Graham-Number | 0.29 | |||||
| Price-to-Net-Current-Asset-Value | 0.81 | |||||
Earnings Yield (Greenblatt) % | 125 | |||||
FCF Yield % | 19.62 | |||||
Forward Rate of Return (Yacktman) % | 20.59 |
FinVolution Group Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
FinVolution Group Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-11-19 19:30 | In 147 days | ||
| Third quarter earnings results for 2026 | 2026-11-19 | In 145 days | ||
| Second quarter earnings conference call for 2026 | 2026-08-20 20:30 | In 56 days | ||
| Second quarter earnings results for 2026 | 2026-08-20 | In 54 days | ||
| First quarter earnings conference call for 2026 | 2026-05-25 20:30 | 4.49 (-4.26%) | ||
| First quarter earnings results for 2026 | 2026-05-25 | 4.49 (-4.26%) | ||
| Annual report for 2025 | 2026-04-29 | 5.01 (-0.20%) | ||
| USD 0.306000 Cash Dividend | 2026-04-16 | 5.13 (+0.39%) | ||
| Fourth quarter earnings conference call for 2025 | 2026-03-16 20:30 | 5.24 (-1.50%) | ||
| Fourth quarter earnings results for 2025 | 2026-03-16 | 5.24 (-1.50%) |
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