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.
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.
FinVolution GroupFINV +0.69%79 3-Year EBITDA Growth Rate is 10.40% as of Mar. 2026, which is 117% above its 10-year median of 4.80. 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 324 Credit Services companies, FinVolution Group ranks better than 51.54% on this metric.
During the past 12 months, FinVolution Group's average EBITDA Per Share Growth Rate was -9.80% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 10.40% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 5.80% per year.
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 average EBITDA per share growth rate.
During the past 11 years, the highest 3-Year average EBITDA Per Share Growth Rate of FinVolution Group was 119.20% per year. The lowest was -6.50% per year. And the median was 4.80% per year.
FinVolution Group (NYSE:FINV) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
FinVolution Group 3-Year EBITDA Growth Rate Related Terms
FINV vs LU, JCAP, WRLD: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, FinVolution Group's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FinVolution Group's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where FinVolution Group's 3-Year EBITDA Growth Rate falls into.
FinVolution Group 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 10.40% mean?
FinVolution Group (FINV) has a 3-Year EBITDA Growth Rate of 10.40% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for FinVolution Group and its competitors. This is 117% above median its historical median of 4.80. According to the industry distribution chart, FinVolution Group ranks #157 out of 324 companies in the Credit Services industry, placing it in the top 48.5%.
Is FinVolution Group's 3-Year EBITDA Growth Rate too high?
FinVolution Group's current 3-Year EBITDA Growth Rate of 10.40% is 117% above median its 10-year median of 4.80. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.30. FinVolution Group's value of 10.40% is 11.8% above this industry median. Based on the distribution chart, FinVolution Group ranks #157 out of 324 companies in the Credit Services industry, which is above the industry midpoint. 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 3-Year EBITDA Growth Rate compare to LU and JCAP?
According to the Credit Services industry distribution chart, FinVolution Group ranks #157 out of 324 companies for 3-Year EBITDA Growth Rate. This puts FinVolution Group in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.30. FinVolution Group's value of 10.40% is 11.8% above this benchmark. While the company's 10-year median is 4.80 vs. the industry median of 9.30, FinVolution Group has consistently been above 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 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.30, based on 324 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinVolution Group's current 3-Year EBITDA Growth Rate of 10.40% is 11.8% above 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for FinVolution Group and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinVolution Group's current 3-Year EBITDA Growth Rate is 10.40%, which is 117% above median its own 10-year median of 4.80. 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 3-Year EBITDA Growth Rate is 10.40%, which is 117% above median its 10-year median of 4.80 and 11.8% above the Credit Services industry median of 9.30. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For FinVolution Group (FINV), the current 3-Year EBITDA Growth Rate is 10.40% 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:
3-Year EBITDA Growth Rate: 10.40% (117% above median its 10-year median of 4.80)
GF Value™: $5.93 vs. price of $4.37 (26.3% below fair value)
Industry Position: 11.8% above the Credit Services median (#157 of 324)
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
Get the complete analysis for FINV
3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FINV has been successfully added to your 
