FINV (FinVolution Group) E10: $0.89 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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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 E10?

FinVolution Group FINV +0.69% 79 E10 is $0.89 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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

FinVolution Group's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.239. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.89 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 E10 growth rate using E10 data.

As of today (2026-08-26), FinVolution Group's current stock price is $4.37. FinVolution Group's E10 for the quarter that ended in Mar. 2026 was $0.89. FinVolution Group's Shiller PE Ratio of today is 4.91.

During the past 11 years, the highest Shiller PE Ratio of FinVolution Group was 5.90. The lowest was 4.89. And the median was 5.40.


FinVolution Group  (NYSE:FINV) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

FinVolution Group's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=4.37/0.89
=4.91

* 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 Shiller P/E Ratio of FinVolution Group was 5.90. The lowest was 4.89. And the median was 5.40.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


FinVolution Group E10 Related Terms


FinVolution Group E10 Historical Data

* Premium members only.

The historical data trend for FinVolution Group's E10 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 E10 Chart

FinVolution Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
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
E10 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 0.89

FINV vs LU, JCAP, WRLD: E10 Comparison

For the Credit Services subindustry, FinVolution Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, FinVolution Group's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where FinVolution Group's Shiller PE Ratio falls into.


FINV
79GF Score
FinVolution Group FINV
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

FinVolution Group E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.239/116.3033*116.3033
=0.239

Current CPI (Mar. 2026) = 116.3033.

FinVolution Group Quarterly Data

per share eps CPI Adj_EPS
201512 0.000 100.600 0.000
201609 0.030 102.400 0.034
201612 0.009 102.600 0.010
201703 -0.138 103.200 -0.156
201706 -0.060 103.100 -0.068
201709 -0.142 104.100 -0.159
201712 -0.883 104.500 -0.983
201803 0.214 105.300 0.236
201806 0.289 104.900 0.320
201809 0.301 106.600 0.328
201812 0.360 106.500 0.393
201903 0.336 107.700 0.363
201906 0.304 107.700 0.328
201909 0.267 109.800 0.283
201912 0.189 111.200 0.198
202003 0.192 112.300 0.199
202006 0.212 110.400 0.223
202009 0.301 111.700 0.313
202012 0.260 111.500 0.271
202103 0.307 112.662 0.317
202106 0.327 111.769 0.340
202109 0.333 112.215 0.345
202112 0.345 113.108 0.355
202203 0.284 114.335 0.289
202206 0.299 114.558 0.304
202209 0.292 115.339 0.294
202212 0.273 115.116 0.276
202303 0.348 115.116 0.352
202306 0.272 114.558 0.276
202309 0.281 115.339 0.283
202312 0.266 114.781 0.270
202403 0.271 115.227 0.274
202406 0.283 114.781 0.287
202409 0.339 115.785 0.341
202412 0.357 114.893 0.361
202503 0.393 115.116 0.397
202506 0.390 114.907 0.395
202509 0.330 115.471 0.332
202512 0.234 115.832 0.235
202603 0.239 116.303 0.239

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.89 mean?
FinVolution Group (FINV) has a E10 of $0.89 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on FinVolution Group and its competitors.
Is FinVolution Group's E10 too high?
FinVolution Group's current E10 is $0.89. 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 E10 compare to LU and JCAP?
FinVolution Group's E10 of $0.89 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 E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on FinVolution Group and its competitors. FinVolution Group's current E10 is $0.89. 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 E10 is $0.89. 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 E10 calculated?
E10 is calculated from a company's financial statements. For FinVolution Group (FINV), the current E10 is $0.89 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:

  • E10: $0.89
  • 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.37
Price
$5.93
GF Value