FINV (FinVolution Group) EBIT: $393 Mil (TTM As of Mar. 2026)

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FINV FinVolution Group FINV
79 GF Score
Price $4.37
GF Value $5.93
Valuation Modestly Undervalued
! 3 Warning Signs
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What is FinVolution Group EBIT?

FinVolution Group FINV +0.69% 79 EBIT is $393 Mil 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.

FinVolution Group's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was $77 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was $393 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. FinVolution Group's annualized ROC % for the quarter that ended in Mar. 2026 was 11.92%. FinVolution Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 160.29%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. FinVolution Group's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 186.19%.


FinVolution Group  (NYSE:FINV) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

FinVolution Group's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=317.372 * ( 1 - 18.11% )/( (2202.165 + 2159.011)/ 2 )
=259.8959308/2180.588
=11.92 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=3608.247 - 369.572 - ( 1036.51 - max(0, 552.676 - 2873.179+1036.51))
=2202.165

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=3727.341 - 504.563 - ( 1063.767 - max(0, 696.429 - 2776.157+1063.767))
=2159.011

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

FinVolution Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=308.364/( ( (98.44 + max(188.267, 0)) + (98.054 + max(-166.227, 0)) )/ 2 )
=308.364/( ( 286.707 + 98.054 )/ 2 )
=308.364/192.3805
=160.29 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(288.02 + 0 + 428.728) - (369.572 + 158.909 + 1.1368683772162E-13)
=188.267

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(232.036 + 0 + 270.293) - (504.563 + 163.994 + -0.00100000000009)
=-166.227

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

FinVolution Group's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=392.562/210.837
=186.19 %

* 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 EBIT Related Terms


FinVolution Group EBIT Historical Data

* Premium members only.

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

FinVolution Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 410.37 360.79 389.15 390.79 444.39

FinVolution Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT 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 123.08 120.60 102.79 92.09 77.09

FINV vs LU, JCAP, WRLD: EBIT Comparison

For the Credit Services subindustry, FinVolution Group's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, FinVolution Group's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where FinVolution Group's EV-to-EBIT falls into.


FINV
79GF Score
FinVolution Group FINV
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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FinVolution Group EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $393 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $393 Mil mean?
FinVolution Group (FINV) has a EBIT of $393 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on FinVolution Group.
Is FinVolution Group's EBIT too high?
FinVolution Group's current EBIT is $393 Mil. 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 EBIT compare to LU and JCAP?
FinVolution Group's EBIT of $393 Mil 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 EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on FinVolution Group. FinVolution Group's current EBIT is $393 Mil. 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 EBIT is $393 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For FinVolution Group (FINV), the current EBIT is $393 Mil 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:

  • EBIT: $393 Mil
  • 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

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

$4.37
Price
$5.93
GF Value