FINVOLUTION GROUP-ADR (FINV)
US31810T1016 - ADR
We assign a fundamental rating of 8 out of 10 to FINV. FINV was compared to 51 industry peers in the Consumer Finance industry. FINV has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. FINV may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make FINV a good candidate for value and quality investing.
1. Profitability
1.1 Basic Checks
In the past year FINV was profitable.
In the past year FINV had a positive cash flow from operations.
In the past 5 years FINV has always been profitable.
Of the past 5 years FINV 4 years had a positive operating cash flow.
1.2 Ratios
FINV has a Return On Assets of 10.99%. This is amongst the best in the industry. FINV outperforms 98.04% of its industry peers.
FINV has a Return On Equity of 17.03%. This is amongst the best in the industry. FINV outperforms 80.39% of its industry peers.
The Return On Invested Capital of FINV (29.01%) is better than 100.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FINV is significantly above the industry average of 6.29%.
The 3 year average ROIC (25.34%) for FINV is below the current ROIC(29.01%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.99% | ||
| ROE | 17.03% | ||
| ROIC | 29.01% |
ROA(3y)11.81%
ROA(5y)12.33%
ROE(3y)19.63%
ROE(5y)22.47%
ROIC(3y)25.34%
ROIC(5y)24.12%
1.3 Margins
Looking at the Profit Margin, with a value of 18.66%, FINV belongs to the top of the industry, outperforming 80.39% of the companies in the same industry.
In the last couple of years the Profit Margin of FINV has declined.
The Operating Margin of FINV (54.25%) is better than 100.00% of its industry peers.
FINV's Operating Margin has improved in the last couple of years.
With an excellent Gross Margin value of 83.17%, FINV belongs to the best of the industry, outperforming 80.39% of the companies in the same industry.
In the last couple of years the Gross Margin of FINV has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 54.25% | ||
| PM (TTM) | 18.66% | ||
| GM | 83.17% |
OM growth 3Y-1.67%
OM growth 5Y5.03%
PM growth 3Y-10.57%
PM growth 5Y-19.95%
GM growth 3Y0.28%
GM growth 5Y1.46%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), FINV is creating value.
FINV has less shares outstanding than it did 1 year ago.
The number of shares outstanding for FINV has been reduced compared to 5 years ago.
Compared to 1 year ago, FINV has a worse debt to assets ratio.
2.2 Solvency
FINV has an Altman-Z score of 3.62. This indicates that FINV is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 3.62, FINV belongs to the best of the industry, outperforming 90.20% of the companies in the same industry.
FINV has a debt to FCF ratio of 0.00. This is a very positive value and a sign of high solvency as it would only need 0.00 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.00, FINV belongs to the top of the industry, outperforming 96.08% of the companies in the same industry.
FINV has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
FINV has a Debt to Equity ratio of 0.00. This is amongst the best in the industry. FINV outperforms 88.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 3.62 |
ROIC/WACC3.85
WACC7.54%
2.3 Liquidity
FINV has a Current Ratio of 8.48. This indicates that FINV is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 8.48, FINV belongs to the top of the industry, outperforming 92.16% of the companies in the same industry.
FINV has a Quick Ratio of 8.48. This indicates that FINV is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 8.48, FINV belongs to the best of the industry, outperforming 92.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.48 | ||
| Quick Ratio | 8.48 |
3. Growth
3.1 Past
FINV shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.64%.
FINV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.62% yearly.
The Revenue has grown by 12.69% in the past year. This is quite good.
FINV shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.59% yearly.
EPS 1Y (TTM)6.64%
EPS 3Y8.12%
EPS 5Y1.62%
EPS growth Q2Q-1.64%
Revenue 1Y (TTM)12.69%
Revenue growth 3Y18.38%
Revenue growth 5Y23.59%
Revenue growth Q2Q5.69%
3.2 Future
Based on estimates for the next years, FINV will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.89% on average per year.
FINV is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.31% yearly.
EPS Next Y8.34%
EPS Next 2Y11.25%
EPS Next 3Y11.89%
EPS Next 5YN/A
Revenue Next Year6.52%
Revenue Next 2Y8.34%
Revenue Next 3Y9.31%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 4.23, the valuation of FINV can be described as very cheap.
Based on the Price/Earnings ratio, FINV is valued cheaper than 88.24% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 24.80. FINV is valued rather cheaply when compared to this.
FINV is valuated cheaply with a Price/Forward Earnings ratio of 3.55.
Based on the Price/Forward Earnings ratio, FINV is valued cheaper than 98.04% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.27. FINV is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.23 | ||
| Fwd PE | 3.55 |
4.2 Price Multiples
FINV's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.8 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FINV has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)0.51
PEG (5Y)2.62
EPS Next 2Y11.25%
EPS Next 3Y11.89%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.57%, FINV is a good candidate for dividend investing.
FINV's Dividend Yield is rather good when compared to the industry average which is at 4.20. FINV pays more dividend than 82.35% of the companies in the same industry.
FINV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.57% |
5.2 History
FINV has been paying a dividend for over 5 years, so it has already some track record.
FINV has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
DPN/A
EPS Next 2Y11.25%
EPS Next 3Y11.89%
FINVOLUTION GROUP-ADR
NYSE:FINV (4/19/2024, 3:06:22 PM)
After market: 4.74 0 (0%)4.74
+0.01 (+0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.33B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.57% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.23 | ||
| Fwd PE | 3.55 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.51
PEG (5Y)2.62
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.99% | ||
| ROE | 17.03% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 54.25% | ||
| PM (TTM) | 18.66% | ||
| GM | 83.17% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.59
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 8.48 | ||
| Quick Ratio | 8.48 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)6.64%
EPS 3Y8.12%
EPS 5Y
EPS growth Q2Q
EPS Next Y8.34%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)12.69%
Revenue growth 3Y18.38%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y