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FinVolution GroupFINV +0.69%79 Debt-to-EBITDA is 0.65 as of Mar. 2026, which is 3150% above its 10-year median of 0.02. GuruFocus rates FINV with a GF Score™ of 79/100 and a GF Value™ of $5.93 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 284 Credit Services companies, FinVolution Group ranks better than 90.14% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for FinVolution Group's Debt-to-EBITDA or its related term are showing as below:
FINV'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 0.51
Current: 0.51
During the past 11 years, the highest Debt-to-EBITDA Ratio of FinVolution Group was 0.51. The lowest was 0.01. And the median was 0.02.
FINV's Debt-to-EBITDA is ranked better than 90.14% of 284
companies
in the Credit Services industry
Industry Median: 8.63
vs FINV: 0.51
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
FinVolution Group Debt-to-EBITDA Related Terms
FinVolution Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for FinVolution Group's Debt-to-EBITDA 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.
For the Credit Services subindustry, FinVolution Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FinVolution Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where FinVolution Group's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
FinVolution Group (FINV) has a Debt-to-EBITDA of 0.65 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on FinVolution Group. This is 3150% above median its historical median of 0.02. Over the past decade, FinVolution Group's Debt-to-EBITDA has ranged from 0.01 to 0.51. According to the industry distribution chart, FinVolution Group ranks #28 out of 284 companies in the Credit Services industry, placing it in the top 9.9%.
Is FinVolution Group's Debt-to-EBITDA too high?
FinVolution Group's current Debt-to-EBITDA of 0.65 is 3150% above median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.51. The Credit Services industry median Debt-to-EBITDA is 8.63. FinVolution Group's value of 0.65 is 92.5% below this industry median. Based on the distribution chart, FinVolution Group ranks #28 out of 284 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Debt-to-EBITDA compare to LU and JCAP?
According to the Credit Services industry distribution chart, FinVolution Group ranks #28 out of 284 companies for Debt-to-EBITDA. This places FinVolution Group in the top 10% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 8.63. FinVolution Group's value of 0.65 is 92.5% below this benchmark. Historically, FinVolution Group's own Debt-to-EBITDA has ranged from 0.01 to 0.51 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 8.63, FinVolution Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 8.63, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinVolution Group's current Debt-to-EBITDA of 0.65 is 92.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on FinVolution Group. For the Credit Services industry, the median Debt-to-EBITDA is 8.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinVolution Group's current Debt-to-EBITDA is 0.65, which is 3150% above median its own 10-year median of 0.02. 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 Debt-to-EBITDA is 0.65, which is 3150% above median its 10-year median of 0.02 and 92.5% below the Credit Services industry median of 8.63. FinVolution Group's overall GF Score™ is 79/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For FinVolution Group (FINV), the current Debt-to-EBITDA is 0.65 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:
Debt-to-EBITDA: 0.65 (3150% above median its 10-year median of 0.02)
GF Value™: $5.93 vs. price of $4.37 (26.3% below fair value)
Industry Position: 92.5% below the Credit Services median (#28 of 284)
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 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
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