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FinVolution GroupFINV +7.94%75 Forward Rate of Return (Yacktman) % is 15.43% as of Jun. 2026, which is 166% above its 10-year median of 5.79. GuruFocus rates FINV with a GF Score™ of 75/100 and a GF Value™ of $5.88 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 399 Credit Services companies, FinVolution Group ranks better than 81.45% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. FinVolution Group's forward rate of return for was 15.43%.
The historical rank and industry rank for FinVolution Group's Forward Rate of Return (Yacktman) % or its related term are showing as below:
FINV'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 2.59 Med: 5.79 Max: 23.31
Current: 19.62
During the past 11 years, FinVolution Group's highest Forward Rate of Return was 23.31. The lowest was 2.59. And the median was 5.79.
FINV's Forward Rate of Return (Yacktman) % is ranked better than 81.45% of 399
companies
in the Credit Services industry
Industry Median: 4.67
vs FINV: 19.62
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
FinVolution Group (NYSE:FINV) Forward Rate of Return (Yacktman) % Explanation
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of EBITDA per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
FinVolution Group Forward Rate of Return (Yacktman) % Related Terms
FinVolution Group Forward Rate of Return (Yacktman) % Historical Data
* Premium members only.
The historical data trend for FinVolution Group's Forward Rate of Return (Yacktman) % 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.
FinVolution Group Forward Rate of Return (Yacktman) % Chart
FINV vs GDOT, WRLD, PRAA: Forward Rate of Return (Yacktman) % Comparison
For the Credit Services subindustry, FinVolution Group's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FinVolution Group's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where FinVolution Group's Forward Rate of Return (Yacktman) % falls into.
FinVolution Group Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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.
What does a Forward Rate of Return (Yacktman) % of 15.43% mean?
FinVolution Group (FINV) has a Forward Rate of Return (Yacktman) % of 15.43% as of Jun. 2026. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on FinVolution Group and its competitors. This is 166% above median its historical median of 5.79. Over the past decade, FinVolution Group's Forward Rate of Return (Yacktman) % has ranged from 2.59 to 23.31. According to the industry distribution chart, FinVolution Group ranks #74 out of 399 companies in the Credit Services industry, placing it in the top 18.5%.
Is FinVolution Group's Forward Rate of Return (Yacktman) % too high?
FinVolution Group's current Forward Rate of Return (Yacktman) % of 15.43% is 166% above median its 10-year median of 5.79. Over the past 10 years, this metric has ranged from a low of 2.59 to a high of 23.31. The Credit Services industry median Forward Rate of Return (Yacktman) % is 4.67. FinVolution Group's value of 15.43% is 230.4% above this industry median. Based on the distribution chart, FinVolution Group ranks #74 out of 399 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 75/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does FinVolution Group's Forward Rate of Return (Yacktman) % compare to GDOT and WRLD?
According to the Credit Services industry distribution chart, FinVolution Group ranks #74 out of 399 companies for Forward Rate of Return (Yacktman) %. This places FinVolution Group in the top 19% of its industry — outperforming the majority of peers. The industry median Forward Rate of Return (Yacktman) % is 4.67. FinVolution Group's value of 15.43% is 230.4% above this benchmark. Historically, FinVolution Group's own Forward Rate of Return (Yacktman) % has ranged from 2.59 to 23.31 over the past decade. While the company's 10-year median is 5.79 vs. the industry median of 4.67, 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 Forward Rate of Return (Yacktman) % for a Credit Services company?
The median Forward Rate of Return (Yacktman) % among Credit Services companies is 4.67, based on 399 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinVolution Group's current Forward Rate of Return (Yacktman) % of 15.43% is 230.4% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on FinVolution Group and its competitors. For the Credit Services industry, the median Forward Rate of Return (Yacktman) % is 4.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinVolution Group's current Forward Rate of Return (Yacktman) % is 15.43%, which is 166% above median its own 10-year median of 5.79. 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 Possible Value Trap. The stock's GF Value™ is $5.88, compared to a current price of $3.67 — trading 37.6% below its estimated fair value. The current Forward Rate of Return (Yacktman) % is 15.43%, which is 166% above median its 10-year median of 5.79 and 230.4% above the Credit Services industry median of 4.67. FinVolution Group's overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For FinVolution Group (FINV), the current Forward Rate of Return (Yacktman) % is 15.43% as of Jun. 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 $3.67 is trading 37.6% below its estimated GF Value™ of $5.88.
GuruFocus considers FinVolution Group to be Possible Value Trap.
Key valuation signals for FINV:
Forward Rate of Return (Yacktman) %: 15.43% (166% above median its 10-year median of 5.79)
GF Value™: $5.88 vs. price of $3.67 (37.6% below fair value)
Industry Position: 230.4% above the Credit Services median (#74 of 399)
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.
75GF Score
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