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FinVolution GroupFINV +0.69%79 Equity-to-Asset is 0.63 as of Mar. 2026, which is 9% above its 10-year median of 0.58. 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 551 Credit Services companies, FinVolution Group ranks better than 70.96% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. FinVolution Group's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $2,357 Mil. FinVolution Group's Total Assets for the quarter that ended in Mar. 2026 was $3,727 Mil.
Therefore, FinVolution Group's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.63.
The historical rank and industry rank for FinVolution Group's Equity-to-Asset or its related term are showing as below:
FINV'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.34 Med: 0.58 Max: 0.65
Current: 0.63
During the past 11 years, the highest Equity to Asset Ratio of FinVolution Group was 0.65. The lowest was 0.34. And the median was 0.58.
FINV's Equity-to-Asset is ranked better than 70.96% of 551
companies
in the Credit Services industry
Industry Median: 0.4
vs FINV: 0.63
FinVolution Group (NYSE:FINV) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
FinVolution Group Equity-to-Asset Related Terms
FinVolution Group Equity-to-Asset Historical Data
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The historical data trend for FinVolution Group's Equity-to-Asset 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.
FINV vs LU, JCAP, WRLD: Equity-to-Asset Comparison
For the Credit Services subindustry, FinVolution Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FinVolution Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where FinVolution Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
FinVolution Group's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.63 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on FinVolution Group and its competitors. This is near median its historical median of 0.58. Over the past decade, FinVolution Group's Equity-to-Asset has ranged from 0.34 to 0.65. According to the industry distribution chart, FinVolution Group ranks #160 out of 551 companies in the Credit Services industry, placing it in the top 29%.
Is FinVolution Group's Equity-to-Asset too high?
FinVolution Group's current Equity-to-Asset of 0.63 is near median its 10-year median of 0.58. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 0.65. The Credit Services industry median Equity-to-Asset is 0.40. FinVolution Group's value of 0.63 is 57.5% above this industry median. Based on the distribution chart, FinVolution Group ranks #160 out of 551 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 Equity-to-Asset compare to LU and JCAP?
According to the Credit Services industry distribution chart, FinVolution Group ranks #160 out of 551 companies for Equity-to-Asset. This puts FinVolution Group in the upper half of its industry. The industry median Equity-to-Asset is 0.40. FinVolution Group's value of 0.63 is 57.5% above this benchmark. Historically, FinVolution Group's own Equity-to-Asset has ranged from 0.34 to 0.65 over the past decade. While the company's 10-year median is 0.58 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 551 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinVolution Group's current Equity-to-Asset of 0.63 is 57.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on FinVolution Group and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinVolution Group's current Equity-to-Asset is 0.63, which is near median its own 10-year median of 0.58. 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 Equity-to-Asset is 0.63, which is near median its 10-year median of 0.58 and 57.5% above the Credit Services industry median of 0.40. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For FinVolution Group (FINV), the current Equity-to-Asset is 0.63 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:
Equity-to-Asset: 0.63 (near median its 10-year median of 0.58)
GF Value™: $5.93 vs. price of $4.37 (26.3% below fair value)
Industry Position: 57.5% above the Credit Services median (#160 of 551)
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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