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FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis

NYSE:FINV - New York Stock Exchange, Inc. - US31810T1016 - ADR - Currency: USD

8.6  -0.12 (-1.38%)

Fundamental Rating

8

We assign a fundamental rating of 8 out of 10 to FINV. FINV was compared to 51 industry peers in the Consumer Finance industry. Both the health and profitability get an excellent rating, making FINV a very profitable company, without any liquidiy or solvency issues. FINV scores decently on growth, while it is valued quite cheap. This could make an interesting combination. With these ratings, FINV could be worth investigating further for value and quality investing!.


Dividend Valuation Growth Profitability Health

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8

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.
Each year in the past 5 years FINV has been profitable.
In the past 5 years FINV always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

1.2 Ratios

The Return On Assets of FINV (10.10%) is better than 88.24% of its industry peers.
FINV has a Return On Equity of 15.67%. This is in the better half of the industry: FINV outperforms 68.63% of its industry peers.
Looking at the Return On Invested Capital, with a value of 28.32%, FINV belongs to the top of the industry, outperforming 94.12% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FINV is significantly above the industry average of 10.59%.
The last Return On Invested Capital (28.32%) for FINV is above the 3 year average (27.17%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 10.1%
ROE 15.67%
ROIC 28.32%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 -60

1.3 Margins

The Profit Margin of FINV (18.24%) is better than 86.27% of its industry peers.
FINV's Profit Margin has declined in the last couple of years.
The Operating Margin of FINV (54.51%) is better than 98.04% of its industry peers.
In the last couple of years the Operating Margin of FINV has grown nicely.
FINV has a better Gross Margin (81.77%) than 76.47% of its industry peers.
FINV's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 54.51%
PM (TTM) 18.24%
GM 81.77%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

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10

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so FINV is creating value.
The number of shares outstanding for FINV has been reduced compared to 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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

An Altman-Z score of 3.73 indicates that FINV is not in any danger for bankruptcy at the moment.
FINV has a better Altman-Z score (3.73) than 90.20% of its industry peers.
The Debt to FCF ratio of FINV is 0.00, which is an excellent value as it means it would take FINV, only 0.00 years of fcf income to pay off all of its debts.
FINV's Debt to FCF ratio of 0.00 is amongst the best of the industry. FINV outperforms 94.12% of its industry peers.
FINV has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
FINV's Debt to Equity ratio of 0.00 is amongst the best of the industry. FINV outperforms 90.20% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3.73
ROIC/WACC3.66
WACC7.74%
FINV Yearly LT Debt VS Equity VS FCFFINV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

2.3 Liquidity

A Current Ratio of 4.40 indicates that FINV has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 4.40, FINV belongs to the top of the industry, outperforming 86.27% of the companies in the same industry.
A Quick Ratio of 4.40 indicates that FINV has no problem at all paying its short term obligations.
FINV has a better Quick ratio (4.40) than 86.27% of its industry peers.
Industry RankSector Rank
Current Ratio 4.4
Quick Ratio 4.4
FINV Yearly Current Assets VS Current LiabilitesFINV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 25.94% over the past year.
FINV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.42% yearly.
FINV shows a small growth in Revenue. In the last year, the Revenue has grown by 5.69%.
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)25.94%
EPS 3Y2.31%
EPS 5Y3.42%
EPS Q2Q%45.44%
Revenue 1Y (TTM)5.69%
Revenue growth 3Y11.33%
Revenue growth 5Y16.99%
Sales Q2Q%10%

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 15.46% on average per year.
Based on estimates for the next years, FINV will show a quite strong growth in Revenue. The Revenue will grow by 9.70% on average per year.
EPS Next Y19.5%
EPS Next 2Y17.16%
EPS Next 3Y15.46%
EPS Next 5YN/A
Revenue Next Year11.81%
Revenue Next 2Y11.29%
Revenue Next 3Y9.7%
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.
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 15B
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 15

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8

4. Valuation

4.1 Price/Earnings Ratio

FINV is valuated cheaply with a Price/Earnings ratio of 6.01.
FINV's Price/Earnings ratio is rather cheap when compared to the industry. FINV is cheaper than 86.27% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.19. FINV is valued rather cheaply when compared to this.
FINV is valuated cheaply with a Price/Forward Earnings ratio of 4.60.
Based on the Price/Forward Earnings ratio, FINV is valued cheaply inside the industry as 84.31% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.13. FINV is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.01
Fwd PE 4.6
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

94.12% of the companies in the same industry are more expensive than FINV, based on the Enterprise Value to EBITDA ratio.
The rest of the industry has a similar Price/Free Cash Flow ratio as FINV.
Industry RankSector Rank
P/FCF 5.47
EV/EBITDA 1.56
FINV Per share dataFINV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

FINV's 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.
A more expensive valuation may be justified as FINV's earnings are expected to grow with 15.46% in the coming years.
PEG (NY)0.31
PEG (5Y)1.76
EPS Next 2Y17.16%
EPS Next 3Y15.46%

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6

5. Dividend

5.1 Amount

FINV has a Yearly Dividend Yield of 2.99%.
Compared to an average industry Dividend Yield of 4.41, FINV pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, FINV pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.99%

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.
FINV has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)5.61%
Div Incr Years4
Div Non Decr Years4
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

18.52% of the earnings are spent on dividend by FINV. This is a low number and sustainable payout ratio.
The dividend of FINV is growing, but earnings are growing more, so the dividend growth is sustainable.
DP18.52%
EPS Next 2Y17.16%
EPS Next 3Y15.46%
FINV Yearly Income VS Free CF VS DividendFINV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B
FINV Dividend Payout.FINV Dividend Payout, showing the Payout Ratio.FINV Dividend Payout.PayoutRetained Earnings

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FINVOLUTION GROUP-ADR

NYSE:FINV (5/30/2025, 9:34:06 AM)

8.6

-0.12 (-1.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-15 2025-05-15
Earnings (Next)N/A N/A
Inst Owners51.99%
Inst Owner Change6.24%
Ins Owners8.39%
Ins Owner ChangeN/A
Market Cap2.18B
Analysts86.15
Price Target12.17 (41.51%)
Short Float %19.48%
Short Ratio3.51
Dividend
Industry RankSector Rank
Dividend Yield 2.99%
Yearly Dividend0.25
Dividend Growth(5Y)5.61%
DP18.52%
Div Incr Years4
Div Non Decr Years4
Ex-Date04-16 2025-04-16 (0.277)
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)60.58%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)6.96%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.56%
Valuation
Industry RankSector Rank
PE 6.01
Fwd PE 4.6
P/S 1.2
P/FCF 5.47
P/OCF 5.41
P/B 1.03
P/tB 1.04
EV/EBITDA 1.56
EPS(TTM)1.43
EY16.63%
EPS(NY)1.87
Fwd EY21.74%
FCF(TTM)1.57
FCFY18.29%
OCF(TTM)1.59
OCFY18.47%
SpS7.17
BVpS8.35
TBVpS8.24
PEG (NY)0.31
PEG (5Y)1.76
Profitability
Industry RankSector Rank
ROA 10.1%
ROE 15.67%
ROCE 33.39%
ROIC 28.32%
ROICexc 36.27%
ROICexgc 36.68%
OM 54.51%
PM (TTM) 18.24%
GM 81.77%
FCFM 21.93%
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%
ROICexcg growth 3Y5.31%
ROICexcg 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-Score5
Asset Turnover0.55
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 39.94%
Cap/Sales 0.21%
Interest Coverage 185.91
Cash Conversion 40.23%
Profit Quality 120.24%
Current Ratio 4.4
Quick Ratio 4.4
Altman-Z 3.73
F-Score5
WACC7.74%
ROIC/WACC3.66
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)25.94%
EPS 3Y2.31%
EPS 5Y3.42%
EPS Q2Q%45.44%
EPS Next Y19.5%
EPS Next 2Y17.16%
EPS Next 3Y15.46%
EPS Next 5YN/A
Revenue 1Y (TTM)5.69%
Revenue growth 3Y11.33%
Revenue growth 5Y16.99%
Sales Q2Q%10%
Revenue Next Year11.81%
Revenue Next 2Y11.29%
Revenue Next 3Y9.7%
Revenue Next 5YN/A
EBIT growth 1Y4.64%
EBIT growth 3Y15.88%
EBIT growth 5Y21.9%
EBIT Next Year40.81%
EBIT Next 3Y20.08%
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