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FinVolution GroupFINV +0.69%79 Net Debt Paydown Yield % is -16.70% as of Aug. 26, 2026. 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 475 Credit Services companies, FinVolution Group ranks worse than 65.47% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, FinVolution Group's Net Debt Paydown Yield % was -16.70%.
FinVolution Group (NYSE:FINV) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
FinVolution Group Net Debt Paydown Yield % Related Terms
FinVolution Group Net Debt Paydown Yield % Historical Data
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The historical data trend for FinVolution Group's Net Debt Paydown Yield % 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: Net Debt Paydown Yield % Comparison
For the Credit Services subindustry, FinVolution Group's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FinVolution Group's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where FinVolution Group's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of -16.70% mean?
FinVolution Group (FINV) has a Net Debt Paydown Yield % of -16.70% as of Aug. 26, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on FinVolution Group and its competitors. According to the industry distribution chart, FinVolution Group ranks #311 out of 475 companies in the Credit Services industry, placing it in the top 65.5%.
Is FinVolution Group's Net Debt Paydown Yield % too high?
FinVolution Group's current Net Debt Paydown Yield % is -16.70%. Based on the distribution chart, FinVolution Group ranks #311 out of 475 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 Net Debt Paydown Yield % compare to LU and JCAP?
According to the Credit Services industry distribution chart, FinVolution Group ranks #311 out of 475 companies for Net Debt Paydown Yield %. 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 Net Debt Paydown Yield % for a Credit Services company?
A good Net Debt Paydown Yield % depends on the Credit Services industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on FinVolution Group and its competitors. FinVolution Group's current Net Debt Paydown Yield % is -16.70%. 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 Net Debt Paydown Yield % is -16.70%. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For FinVolution Group (FINV), the current Net Debt Paydown Yield % is -16.70% 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:
Net Debt Paydown Yield %: -16.70%
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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