FINVOLUTION GROUP-ADR (FINV) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FINV - US31810T1016 - ADR
5.17 USD
0 (0%)
5.1104 USD
-0.06 (-1.15%)
Taking everything into account, FINV scores 7 out of 10 in our fundamental rating. FINV was compared to 55 industry peers in the Consumer Finance industry. FINV gets an excellent profitability rating and is at the same time showing great financial health properties. FINV scores decently on growth, while it is valued quite cheap. This could make an interesting combination. These ratings would make FINV suitable for value and quality investing!
1. Profitability
1.1 Basic Checks
In the past year FINV was profitable.
Each year in the past 5 years FINV has been profitable.
Each year in the past 5 years FINV had a positive operating cash flow.
1.2 Ratios
FINV has a Return On Assets of 10.64%. This is amongst the best in the industry. FINV outperforms 87.27% of its industry peers.
The Return On Equity of FINV (17.07%) is better than 69.09% of its industry peers.
With an excellent Return On Invested Capital value of 19.01%, FINV belongs to the best of the industry, outperforming 89.09% 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 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 Rank | Sector 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%
1.3 Margins
FINV's Profit Margin of 19.99% is fine compared to the rest of the industry. FINV outperforms 76.36% of its industry peers.
FINV's Profit Margin has declined in the last couple of years.
FINV has a better Operating Margin (38.25%) than 89.09% of its industry peers.
FINV's Operating Margin has improved in the last couple of years.
FINV's Gross Margin of 80.60% is fine compared to the rest of the industry. FINV outperforms 76.36% of its industry peers.
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 | 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%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 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.
Compared to 1 year ago, FINV has an improved debt to assets ratio.
2.2 Solvency
FINV has an Altman-Z score of 2.73. 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.
FINV has a Altman-Z score of 2.73. This is amongst the best in the industry. FINV outperforms 87.27% of its industry peers.
FINV has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.07, FINV belongs to the top of the industry, outperforming 89.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.73 |
ROIC/WACC1.91
WACC9.98%
2.3 Liquidity
A Current Ratio of 3.64 indicates that FINV has no problem at all paying its short term obligations.
FINV has a Current ratio of 3.64. This is amongst the best in the industry. FINV outperforms 83.64% of its industry peers.
A Quick Ratio of 3.64 indicates that FINV has no problem at all paying its short term obligations.
The Quick ratio of FINV (3.64) is better than 83.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.64 | ||
| Quick Ratio | 3.64 |
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.
Measured over the past 5 years, FINV shows a small growth in Earnings Per Share. The EPS has been growing by 3.42% on average per year.
The Revenue has grown by 9.11% in the past year. This is quite good.
The Revenue has been growing by 16.99% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to grow by 2.09% on average over the next years.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 3.21, the valuation of FINV can be described as very cheap.
FINV's Price/Earnings ratio is rather cheap when compared to the industry. FINV is cheaper than 89.09% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.00, FINV is valued rather cheaply.
A Price/Forward Earnings ratio of 4.19 indicates a rather cheap valuation of FINV.
Based on the Price/Forward Earnings ratio, FINV is valued cheaper than 89.09% of the companies in the same industry.
FINV is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.70, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.21 | ||
| Fwd PE | 4.19 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FINV is valued cheaper than 90.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.09 |
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.
The excellent profitability rating of FINV may justify a higher PE ratio.
PEG (NY)0.37
PEG (5Y)0.94
EPS Next 2Y-6.2%
EPS Next 3Y2.09%
5. Dividend
5.1 Amount
FINV has a Yearly Dividend Yield of 4.91%, which is a nice return.
The stock price of FINV dropped by -22.84% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
FINV's Dividend Yield is a higher than the industry average which is at 2.93.
Compared to an average S&P500 Dividend Yield of 1.94, FINV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.91% |
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 past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)5.61%
Div Incr Years5
Div Non Decr Years5
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%
5.17
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners55.97%
Inst Owner Change0%
Ins Owners8.74%
Ins Owner ChangeN/A
Market Cap1.31B
Revenue(TTM)14.00B
Net Income(TTM)2.80B
Analysts87.69
Price Target8.54 (65.18%)
Short Float %25.22%
Short Ratio3.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.91% |
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)-25.26%
PT rev (3m)-27.83%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.14%
EPS NY rev (3m)-8.63%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.46%
Revenue NY rev (3m)-4.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.21 | ||
| Fwd PE | 4.19 | ||
| P/S | 0.65 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.56 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | 1.09 |
EPS(TTM)1.61
EY31.14%
EPS(NY)1.23
Fwd EY23.86%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.91
BVpS9.27
TBVpS9.18
PEG (NY)0.37
PEG (5Y)0.94
Graham Number18.32
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.73 |
F-ScoreN/A
WACC9.98%
ROIC/WACC1.91
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.