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FinVolution GroupFINV +0.69%79 FCF Margin % is 7.04% as of Mar. 2026, which is 60% below its 10-year median of 17.47. 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 538 Credit Services companies, FinVolution Group ranks better than 60.41% on this metric.
The historical data trend for FinVolution Group's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FinVolution Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where FinVolution Group's FCF Margin % falls into.
* 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 FCF Margin % of 7.04% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FinVolution Group and its competitors. This is 60% below median its historical median of 17.47. According to the industry distribution chart, FinVolution Group ranks #213 out of 538 companies in the Credit Services industry, placing it in the top 39.6%.
Is FinVolution Group's FCF Margin % too high?
FinVolution Group's current FCF Margin % of 7.04% is 60% below median its 10-year median of 17.47. Based on the distribution chart, FinVolution Group ranks #213 out of 538 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 FCF Margin % compare to LU and JCAP?
According to the Credit Services industry distribution chart, FinVolution Group ranks #213 out of 538 companies for FCF Margin %. This puts FinVolution Group in the upper 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 FCF Margin % for a Credit Services company?
A good FCF Margin % depends on the Credit Services industry context. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FinVolution Group and its competitors. FinVolution Group's current FCF Margin % is 7.04%, which is 60% below median its own 10-year median of 17.47. 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 FCF Margin % is 7.04%, which is 60% below median its 10-year median of 17.47. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For FinVolution Group (FINV), the current FCF Margin % is 7.04% 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:
FCF Margin %: 7.04% (60% below median its 10-year median of 17.47)
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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