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FinVolution GroupFINV +0.69%79 EV-to-OCF is 0.95 as of Aug. 26, 2026, which is 61% below its 10-year median of 2.46. 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 547 Credit Services companies, FinVolution Group ranks worse than 53.02% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, FinVolution Group's Enterprise Value is $211 Mil.
FinVolution Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $222 Mil. Therefore, FinVolution Group's EV-to-OCF for today is 0.95.
The historical rank and industry rank for FinVolution Group's EV-to-OCF or its related term are showing as below:
FINV'
s EV-to-OCF Range Over the Past 10 Years
Min: -19.65 Med: 2.46 Max: 386.95
Current: 0.95
During the past 11 years, the highest EV-to-OCF of FinVolution Group was 386.95. The lowest was -19.65. And the median was 2.46.
FINV's EV-to-OCF is ranked worse than 53.02% of 547
companies
in the Credit Services industry
Industry Median: -0.22
vs FINV: 0.95
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
FinVolution Group (NYSE:FINV) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
FinVolution Group's PE Ratio (TTM) for today is calculated as:
FinVolution Group's share price for today is $4.37.
FinVolution Group's Earnings per Share (Diluted) 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 $1.193.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
FinVolution Group EV-to-OCF Related Terms
FinVolution Group EV-to-OCF Historical Data
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The historical data trend for FinVolution Group's EV-to-OCF 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FinVolution Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where FinVolution Group's EV-to-OCF falls into.
FinVolution Group's current Enterprise Value is $211 Mil.
FinVolution Group's Cash Flow from Operations 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 $222 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.
FinVolution Group (FINV) has a EV-to-OCF of 0.95 as of Aug. 26, 2026. This is 61% below median its historical median of 2.46. According to the industry distribution chart, FinVolution Group ranks #290 out of 547 companies in the Credit Services industry, placing it in the top 53%.
Is FinVolution Group's EV-to-OCF too high?
FinVolution Group's current EV-to-OCF of 0.95 is 61% below median its 10-year median of 2.46. Based on the distribution chart, FinVolution Group ranks #290 out of 547 companies in the Credit Services industry, which is below 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 EV-to-OCF compare to LU and JCAP?
According to the Credit Services industry distribution chart, FinVolution Group ranks #290 out of 547 companies for EV-to-OCF. This places FinVolution Group in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. FinVolution Group's current EV-to-OCF is 0.95, which is 61% below median its own 10-year median of 2.46. 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 EV-to-OCF is 0.95, which is 61% below median its 10-year median of 2.46. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For FinVolution Group (FINV), the current EV-to-OCF is 0.95 as of Aug. 26, 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:
EV-to-OCF: 0.95 (61% below median its 10-year median of 2.46)
GF Value™: $5.93 vs. price of $4.37 (26.3% below fair value)
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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