FINV (FinVolution Group) Cyclically Adjusted FCF per Share: $0.81 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FINV FinVolution Group FINV
79 GF Score
Price $4.37
GF Value $5.93
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is FinVolution Group Cyclically Adjusted FCF per Share?

FinVolution Group FINV +0.69% 79 Cyclically Adjusted FCF per Share is $0.81 as of Mar. 2026. GuruFocus rates FINV with a GF Score™ of 79/100 and a GF Value™ of $5.93 (Modestly Undervalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

FinVolution Group's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.128. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $0.81 for the trailing ten years ended in Mar. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

As of today (2026-08-26), FinVolution Group's current stock price is $4.37. FinVolution Group's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $0.81. FinVolution Group's Cyclically Adjusted Price-to-FCF of today is 5.40.

During the past 11 years, the highest Cyclically Adjusted Price-to-FCF of FinVolution Group was 6.48. The lowest was 5.37. And the median was 5.94.


FinVolution Group  (NYSE:FINV) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

FinVolution Group's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=4.37/0.81
=5.40

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 11 years, the highest Cyclically Adjusted Price-to-FCF of FinVolution Group was 6.48. The lowest was 5.37. And the median was 5.94.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


FinVolution Group Cyclically Adjusted FCF per Share Related Terms


FinVolution Group Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for FinVolution Group's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

FinVolution Group Cyclically Adjusted FCF per Share Chart

FinVolution Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

FinVolution Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.81

FINV vs LU, JCAP, WRLD: Cyclically Adjusted FCF per Share Comparison

For the Credit Services subindustry, FinVolution Group's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


FinVolution Group Cyclically Adjusted Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, FinVolution Group's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where FinVolution Group's Cyclically Adjusted Price-to-FCF falls into.


FINV
79GF Score
FinVolution Group FINV
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

FinVolution Group Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, FinVolution Group's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.128/116.3033*116.3033
=0.128

Current CPI (Mar. 2026) = 116.3033.

FinVolution Group Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201512 0.000 100.600 0.000
201609 0.088 102.400 0.100
201612 0.377 102.600 0.427
201703 0.000 103.200 0.000
201706 0.380 103.100 0.429
201709 0.786 104.100 0.878
201712 -0.014 104.500 -0.016
201803 0.043 105.300 0.047
201806 0.073 104.900 0.081
201809 0.523 106.600 0.571
201812 0.241 106.500 0.263
201903 0.227 107.700 0.245
201906 0.286 107.700 0.309
201909 0.674 109.800 0.714
201912 -1.309 111.200 -1.369
202003 -0.270 112.300 -0.280
202006 0.580 110.400 0.611
202009 0.396 111.700 0.412
202012 0.398 111.500 0.415
202103 0.152 112.662 0.157
202106 0.063 111.769 0.066
202109 0.072 112.215 0.075
202112 0.116 113.108 0.119
202203 -0.019 114.335 -0.019
202206 -0.164 114.558 -0.166
202209 0.159 115.339 0.160
202212 0.137 115.116 0.138
202303 0.339 115.116 0.342
202306 0.248 114.558 0.252
202309 0.088 115.339 0.089
202312 0.002 114.781 0.002
202403 0.108 115.227 0.109
202406 0.505 114.781 0.512
202409 0.696 115.785 0.699
202412 0.221 114.893 0.224
202503 0.274 115.116 0.277
202506 0.005 114.907 0.005
202509 0.453 115.471 0.456
202512 0.245 115.832 0.246
202603 0.128 116.303 0.128

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $0.81 mean?
FinVolution Group (FINV) has a Cyclically Adjusted FCF per Share of $0.81 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on FinVolution Group and its competitors.
Is FinVolution Group's Cyclically Adjusted FCF per Share too high?
FinVolution Group's current Cyclically Adjusted FCF per Share is $0.81. Overall, FinVolution Group has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FinVolution Group's Cyclically Adjusted FCF per Share compare to LU and JCAP?
FinVolution Group's Cyclically Adjusted FCF per Share of $0.81 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Credit Services company?
A good Cyclically Adjusted FCF per Share depends on the Credit Services industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on FinVolution Group and its competitors. FinVolution Group's current Cyclically Adjusted FCF per Share is $0.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FinVolution Group stock overvalued right now?
Based on GuruFocus' analysis, FinVolution Group (FINV) is currently considered Modestly Undervalued. The stock's GF Value™ is $5.93, compared to a current price of $4.37 — trading 26.3% below its estimated fair value. The current Cyclically Adjusted FCF per Share is $0.81. FinVolution Group's overall GF Score™ is 79/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For FinVolution Group (FINV), the current Cyclically Adjusted FCF per Share is $0.81 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is FinVolution Group (FINV) Overvalued in 2026?

Based on GuruFocus' analysis, FinVolution Group stock appears to be undervalued. The current stock price of $4.37 is trading 26.3% below its estimated GF Value™ of $5.93. GuruFocus considers FinVolution Group to be Modestly Undervalued.

Key valuation signals for FINV:

  • Cyclically Adjusted FCF per Share: $0.81
  • GF Value™: $5.93 vs. price of $4.37 (26.3% below fair value)
  • GF Score™: 79/100 with 3 warning signs

No single metric tells the full story. See the FINV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


FinVolution Group Business Description

Other Exchanges PP3:Germany
Address No. 999 Dangui Road, Building G1, Pudong New District, Shanghai, CHN, 201203
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.
79GF Score

Get the complete analysis for FINV

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.37
Price
$5.93
GF Value