FinVolution GroupFINV +1.91%79 EV-to-FCF is 1.40 as of Jun. 27, 2026, which is 44% below its 10-year median of 2.51. GuruFocus rates FINV with a GF Score™ of 79/100 and a GF Value™ of $5.87 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 265 Credit Services companies, FinVolution Group ranks better than 89.81% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, FinVolution Group's Enterprise Value is $312 Mil.
FinVolution Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $222 Mil. Therefore, FinVolution Group's EV-to-FCF for today is 1.40.
The historical rank and industry rank for FinVolution Group's EV-to-FCF or its related term are showing as below:
FINV'
s EV-to-FCF Range Over the Past 10 Years
Min: -19.65 Med: 2.51 Max: 386.95
Current: 1.4
During the past 11 years, the highest EV-to-FCF of FinVolution Group was 386.95. The lowest was -19.65. And the median was 2.51.
FINV's EV-to-FCF is ranked better than 89.81% of 265
companies
in the Credit Services industry
Industry Median: 12.99
vs FINV: 1.40
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $4.80.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
FinVolution Group EV-to-FCF Related Terms
FinVolution Group EV-to-FCF Historical Data
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The historical data trend for FinVolution Group's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FinVolution Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where FinVolution Group's EV-to-FCF falls into.
FinVolution Group's current Enterprise Value is $312 Mil.
FinVolution Group's Free Cash Flow 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-FCF of 1.40 as of Jun. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FinVolution Group and its competitors. This is 44% below median its historical median of 2.51. According to the industry distribution chart, FinVolution Group ranks #27 out of 265 companies in the Credit Services industry, placing it in the top 10.2%.
Is FinVolution Group's EV-to-FCF too high?
FinVolution Group's current EV-to-FCF of 1.40 is 44% below median its 10-year median of 2.51. The Credit Services industry median EV-to-FCF is 12.99. FinVolution Group's value of 1.40 is 89.2% below this industry median. Based on the distribution chart, FinVolution Group ranks #27 out of 265 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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-FCF compare to ATLC and LU?
According to the Credit Services industry distribution chart, FinVolution Group ranks #27 out of 265 companies for EV-to-FCF. This places FinVolution Group in the top 10% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 12.99. FinVolution Group's value of 1.40 is 89.2% below this benchmark. While the company's 10-year median is 2.51 vs. the industry median of 12.99, FinVolution Group has consistently been below 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 12.99, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinVolution Group's current EV-to-FCF of 1.40 is 89.2% below 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FinVolution Group and its competitors. For the Credit Services industry, the median EV-to-FCF is 12.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinVolution Group's current EV-to-FCF is 1.40, which is 44% below median its own 10-year median of 2.51. 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 $5.87, compared to a current price of $4.80 — trading 18.2% below its estimated fair value. The current EV-to-FCF is 1.40, which is 44% below median its 10-year median of 2.51 and 89.2% below the Credit Services industry median of 12.99. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For FinVolution Group (FINV), the current EV-to-FCF is 1.40 as of Jun. 27, 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 $4.80 is trading 18.2% below its estimated GF Value™ of $5.87.
GuruFocus considers FinVolution Group to be Modestly Undervalued.
Key valuation signals for FINV:
EV-to-FCF: 1.40 (44% below median its 10-year median of 2.51)
GF Value™: $5.87 vs. price of $4.80 (18.2% below fair value)
Industry Position: 89.2% below the Credit Services median (#27 of 265)
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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