FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:FINV • US31810T1016

5.01 USD
-0.01 (-0.2%)
At close: Feb 4, 2026
5.01 USD
0 (0%)
After Hours: 2/4/2026, 4:15:00 PM
Fundamental Rating

7

We assign a fundamental rating of 7 out of 10 to FINV. FINV was compared to 54 industry peers in the Consumer Finance industry. FINV gets an excellent profitability rating and is at the same time showing great financial health properties. A decent growth rate in combination with a cheap valuation! Better keep an eye on FINV. These ratings would make FINV suitable for value and quality investing!


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year FINV was profitable.
  • Each year in the past 5 years FINV has been profitable.
  • FINV had a positive operating cash flow in each of the past 5 years.
FINV Yearly Net Income VS EBIT VS OCF VS FCFFINV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

1.2 Ratios

  • With an excellent Return On Assets value of 10.64%, FINV belongs to the best of the industry, outperforming 87.04% of the companies in the same industry.
  • FINV has a better Return On Equity (17.07%) than 68.52% of its industry peers.
  • The Return On Invested Capital of FINV (19.01%) is better than 88.89% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for FINV is significantly above the industry average of 12.42%.
  • The 3 year average ROIC (27.17%) for FINV is well above the current ROIC(19.01%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA 10.64%
ROE 17.07%
ROIC 19.01%
ROA(3y)10.56%
ROA(5y)11.75%
ROE(3y)17.01%
ROE(5y)19.63%
ROIC(3y)27.17%
ROIC(5y)26.14%
FINV Yearly ROA, ROE, ROICFINV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

1.3 Margins

  • The Profit Margin of FINV (19.99%) is better than 75.93% of its industry peers.
  • In the last couple of years the Profit Margin of FINV has declined.
  • The Operating Margin of FINV (38.25%) is better than 88.89% of its industry peers.
  • In the last couple of years the Operating Margin of FINV has grown nicely.
  • The Gross Margin of FINV (80.60%) is better than 79.63% of its industry peers.
  • FINV's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 38.25%
PM (TTM) 19.99%
GM 80.6%
OM growth 3Y4.09%
OM growth 5Y4.2%
PM growth 3Y-11.7%
PM growth 5Y-14.45%
GM growth 3Y0.5%
GM growth 5Y0.5%
FINV Yearly Profit, Operating, Gross MarginsFINV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60 80

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7

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.
  • FINV has a better debt/assets ratio than last year.
FINV Yearly Shares OutstandingFINV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
FINV Yearly Total Debt VS Total AssetsFINV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

  • FINV has an Altman-Z score of 2.71. This is not the best score and indicates that FINV is in the grey zone with still only limited risk for bankruptcy at the moment.
  • The Altman-Z score of FINV (2.71) is better than 87.04% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that FINV is not too dependend on debt financing.
  • FINV's Debt to Equity ratio of 0.07 is amongst the best of the industry. FINV outperforms 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Altman-Z 2.71
ROIC/WACC1.89
WACC10.05%
FINV Yearly LT Debt VS Equity VS FCFFINV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

2.3 Liquidity

  • A Current Ratio of 3.64 indicates that FINV has no problem at all paying its short term obligations.
  • FINV's Current ratio of 3.64 is amongst the best of the industry. FINV outperforms 85.19% of its industry peers.
  • A Quick Ratio of 3.64 indicates that FINV has no problem at all paying its short term obligations.
  • FINV has a Quick ratio of 3.64. This is amongst the best in the industry. FINV outperforms 85.19% of its industry peers.
Industry RankSector Rank
Current Ratio 3.64
Quick Ratio 3.64
FINV Yearly Current Assets VS Current LiabilitesFINV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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5

3. Growth

3.1 Past

  • FINV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.38%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 3.42% on average over the past years.
  • Looking at the last year, FINV shows a quite strong growth in Revenue. The Revenue has grown by 9.11% in the last year.
  • Measured over the past years, FINV shows a quite strong growth in Revenue. The Revenue has been growing by 16.99% on average per year.
EPS 1Y (TTM)27.38%
EPS 3Y2.31%
EPS 5Y3.42%
EPS Q2Q%-7.13%
Revenue 1Y (TTM)9.11%
Revenue growth 3Y11.33%
Revenue growth 5Y16.99%
Sales Q2Q%3.17%

3.2 Future

  • FINV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.09% yearly.
  • The Revenue is expected to grow by 2.78% on average over the next years.
EPS Next Y8.78%
EPS Next 2Y-6.2%
EPS Next 3Y2.09%
EPS Next 5YN/A
Revenue Next Year3.28%
Revenue Next 2Y-2.42%
Revenue Next 3Y2.78%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FINV Yearly Revenue VS EstimatesFINV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B
FINV Yearly EPS VS EstimatesFINV Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 10

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8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 3.09, which indicates a rather cheap valuation of FINV.
  • Based on the Price/Earnings ratio, FINV is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 28.18. FINV is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 4.04, which indicates a rather cheap valuation of FINV.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FINV indicates a rather cheap valuation: FINV is cheaper than 88.89% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, FINV is valued rather cheaply.
Industry RankSector Rank
PE 3.09
Fwd PE 4.04
FINV Price Earnings VS Forward Price EarningsFINV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, FINV is valued cheaply inside the industry as 90.74% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.04
FINV Per share dataFINV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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)0.35
PEG (5Y)0.9
EPS Next 2Y-6.2%
EPS Next 3Y2.09%

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6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.99%, FINV is a good candidate for dividend investing.
  • FINV's Dividend Yield is a higher than the industry average which is at 2.68.
  • Compared to an average S&P500 Dividend Yield of 1.83, FINV pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.99%

5.2 History

  • The dividend of FINV has a limited annual growth rate of 5.61%.
  • FINV has been paying a dividend for over 5 years, so it has already some track record.
  • As FINV did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)5.61%
Div Incr Years5
Div Non Decr Years5
FINV Yearly Dividends per shareFINV Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • The dividend of FINV is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y-6.2%
EPS Next 3Y2.09%
FINV Yearly Income VS Free CF VS DividendFINV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B

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FINVOLUTION GROUP-ADR

NYSE:FINV (2/4/2026, 4:15:00 PM)

After market: 5.01 0 (0%)

5.01

-0.01 (-0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-19
Earnings (Next)03-16
Inst Owners55.97%
Inst Owner Change-4.09%
Ins Owners8.74%
Ins Owner ChangeN/A
Market Cap1.27B
Revenue(TTM)14.00B
Net Income(TTM)2.80B
Analysts87.69
Price Target8.54 (70.46%)
Short Float %24.94%
Short Ratio4.21
Dividend
Industry RankSector Rank
Dividend Yield 4.99%
Yearly Dividend0.26
Dividend Growth(5Y)5.61%
DPN/A
Div Incr Years5
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-27.83%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-8.63%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.97%
Valuation
Industry RankSector Rank
PE 3.09
Fwd PE 4.04
P/S 0.63
P/FCF N/A
P/OCF N/A
P/B 0.54
P/tB 0.54
EV/EBITDA 1.04
EPS(TTM)1.62
EY32.34%
EPS(NY)1.24
Fwd EY24.78%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.96
BVpS9.33
TBVpS9.24
PEG (NY)0.35
PEG (5Y)0.9
Graham Number18.44
Profitability
Industry RankSector Rank
ROA 10.64%
ROE 17.07%
ROCE 22.5%
ROIC 19.01%
ROICexc 23.11%
ROICexgc 23.29%
OM 38.25%
PM (TTM) 19.99%
GM 80.6%
FCFM N/A
ROA(3y)10.56%
ROA(5y)11.75%
ROE(3y)17.01%
ROE(5y)19.63%
ROIC(3y)27.17%
ROIC(5y)26.14%
ROICexc(3y)34.82%
ROICexc(5y)33.56%
ROICexgc(3y)35.17%
ROICexgc(5y)33.94%
ROCE(3y)32.03%
ROCE(5y)30.81%
ROICexgc growth 3Y5.31%
ROICexgc growth 5Y9.71%
ROICexc growth 3Y5.34%
ROICexc growth 5Y9.72%
OM growth 3Y4.09%
OM growth 5Y4.2%
PM growth 3Y-11.7%
PM growth 5Y-14.45%
GM growth 3Y0.5%
GM growth 5Y0.5%
F-ScoreN/A
Asset Turnover0.53
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Debt/EBITDA 0.21
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 3.64
Quick Ratio 3.64
Altman-Z 2.71
F-ScoreN/A
WACC10.05%
ROIC/WACC1.89
Cap/Depr(3y)883.8%
Cap/Depr(5y)572.3%
Cap/Sales(3y)1.66%
Cap/Sales(5y)1.2%
Profit Quality(3y)55.72%
Profit Quality(5y)60.07%
High Growth Momentum
Growth
EPS 1Y (TTM)27.38%
EPS 3Y2.31%
EPS 5Y3.42%
EPS Q2Q%-7.13%
EPS Next Y8.78%
EPS Next 2Y-6.2%
EPS Next 3Y2.09%
EPS Next 5YN/A
Revenue 1Y (TTM)9.11%
Revenue growth 3Y11.33%
Revenue growth 5Y16.99%
Sales Q2Q%3.17%
Revenue Next Year3.28%
Revenue Next 2Y-2.42%
Revenue Next 3Y2.78%
Revenue Next 5YN/A
EBIT growth 1Y-23.94%
EBIT growth 3Y15.88%
EBIT growth 5Y21.9%
EBIT Next Year19.81%
EBIT Next 3Y4.61%
EBIT Next 5YN/A
FCF growth 1Y227.35%
FCF growth 3Y70.81%
FCF growth 5YN/A
OCF growth 1Y104.69%
OCF growth 3Y66.2%
OCF growth 5YN/A

FINVOLUTION GROUP-ADR / FINV FAQ

What is the ChartMill fundamental rating of FINVOLUTION GROUP-ADR (FINV) stock?

ChartMill assigns a fundamental rating of 7 / 10 to FINV.


What is the valuation status for FINV stock?

ChartMill assigns a valuation rating of 8 / 10 to FINVOLUTION GROUP-ADR (FINV). This can be considered as Undervalued.


What is the profitability of FINV stock?

FINVOLUTION GROUP-ADR (FINV) has a profitability rating of 8 / 10.


Can you provide the financial health for FINV stock?

The financial health rating of FINVOLUTION GROUP-ADR (FINV) is 7 / 10.


What is the earnings growth outlook for FINVOLUTION GROUP-ADR?

The Earnings per Share (EPS) of FINVOLUTION GROUP-ADR (FINV) is expected to grow by 8.78% in the next year.