Business Description
ISIN : US31810T1016
Share Class Description:
FINV: ADRTotal Employee Number:
3,869Financial Strength
| 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 | 2.63 | |||||
Beneish M-Score | -2.1 | |||||
WACC vs ROIC | ||||||
Growth Rank
| 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
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 34.62 | |||||
9-Day RSI | 33.44 | |||||
14-Day RSI | 36.18 | |||||
3-1 Month Momentum % | 5.79 | |||||
6-1 Month Momentum % | -17.39 | |||||
12-1 Month Momentum % | -49.09 |
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 % | 7.02 | |||||
Dividend Payout Ratio | 0.22 | |||||
3-Year Dividend Growth Rate | 13.6 | |||||
Forward Dividend Yield % | 7.02 | |||||
5-Year Yield-on-Cost % | 14.12 | |||||
3-Year Average Share Buyback Ratio | 4.9 | |||||
Shareholder Yield % | -9.66 |
Profitability Rank
| 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
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 3.66 | |||||
Forward PE Ratio | 3.54 | |||||
PE Ratio without NRI | 3.44 | |||||
Shiller PE Ratio | 4.91 | |||||
Price-to-Owner-Earnings | 3.66 | |||||
PEG Ratio | 0.59 | |||||
PS Ratio | 0.63 | |||||
PB Ratio | 0.44 | |||||
Price-to-Tangible-Book | 0.45 | |||||
Price-to-Free-Cash-Flow | 5.22 | |||||
Price-to-Operating-Cash-Flow | 5.22 | |||||
EV-to-EBIT | 0.54 | |||||
EV-to-EBITDA | 0.54 | |||||
EV-to-Revenue | 0.11 | |||||
EV-to-Forward-Revenue | 0.11 | |||||
EV-to-FCF | 0.95 | |||||
Price-to-GF-Value | 0.74 | |||||
Price-to-Projected-FCF | 0.23 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.64 | |||||
Price-to-Graham-Number | 0.26 | |||||
| Price-to-Net-Current-Asset-Value | 0.73 | |||||
Earnings Yield (Greenblatt) % | 185.19 | |||||
FCF Yield % | 21.55 | |||||
Forward Rate of Return (Yacktman) % | 22.2 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Annualized Return % Â
Total Annual Return % Â
FinVolution Group Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 1,888.08 | ||
| EPS (TTM) ($) | 1.193 | ||
| Beta | 0.6799 | ||
| 3-Year Sharpe Ratio | -0.12 | ||
| 3-Year Sortino Ratio | -0.17 | ||
| Volatility % | 35.31 | ||
| 14-Day RSI | 36.18 | ||
| 14-Day ATR ($) | 0.13469 | ||
| 20-Day SMA ($) | 4.6195 | ||
| 12-1 Month Momentum % | -49.09 | ||
| 52-Week Range ($) | 4.27 - 9.255 | ||
| Shares Outstanding (Mil) | 236.09 |
Piotroski F-Score Details
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 4 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
FinVolution Group Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
FinVolution Group Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-11-19 19:30 | In 87 days | ||
| Third quarter earnings results for 2026 | 2026-11-19 | In 85 days | ||
| Second quarter earnings conference call for 2026 | 2026-08-27 08:30 | In 2 days | ||
| Second quarter earnings results for 2026 | 2026-08-27 | In 1 day | ||
| 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%) |
FinVolution Group Frequently Asked Questions
Guru Commentaries on NYSE:FINV
FINV is a recent addition to the portfolio. As a large nonbank lender in China, the fintech company connects small-ticket borrowers to lenders for a fee. The company generated $326m net income with 19% net margin and 18% ROE (20% normalized) last year. Its near-$400m FCF was at a multi-year record high, resulting in roughly $1.3b cash and investments and zero debt on its balance sheet. Yet it is priced at only $2.5b, offering ~30% FCF yields when cash and investments are included. Investors appear to be hesitant in recognizing the value of FINV because of a brutal industry history. The wipeout of competition has benefitted the survivors, which operate in an oligopoly dominating 80-90% of originations. FINV appears to be the most technologically competent among survivors.
FinVolution Group, an online consumer finance company, was the top contributor to our portfolio performance during the quarter. The company reported strong international growth in Indonesia and the Philippines, driven by favorable macroeconomic conditions and an expansion in available products that boosted transaction volumes. This positive performance highlights the company's potential for continued growth in emerging markets, making it an attractive investment opportunity.
FinVolution Group, the online consumer finance company, performed well during the quarter as it reported strong international growth in Indonesia and the Philippines. Favorable macroeconomic conditions and an expansion in available products boosted transaction volumes, indicating a positive trajectory for the company. This growth in emerging markets aligns with our strategy, and we believe it positions FinVolution favorably for continued success.
FinVolution Group, an online consumer finance company, performed well during the quarter as it reported strong international growth in Indonesia and the Philippines. Favorable macroeconomic conditions and an expansion in available products boosted transaction volumes, indicating a positive trajectory for the company. This growth in emerging markets aligns with our strategy, and we believe it positions FinVolution favorably for continued success.
Press Release
Articles on FinVolution Group
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