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FINV stock logo

FINV

FinVolution Group

$3.3
-0.08
 (-2.37%)
Exchange:  NYSE
Market Cap:  819.709M
Shares Outstanding:  1.498B
Delayed data
Calculate FINV Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial ServicesView sector performance
Industry:  Financial – Credit ServicesView industry performance
   
CEO:  Tiezheng Li
Full Time Employees:  3869
Address: 
Building G1
Shanghai
SH
201203
CN
Website:  https://ir.finvgroup.com
FinVolution Group manages a digital financial platform within China that specializes in connecting individual borrowers, who may be underserved by traditional lenders, with various financial institutions. Its core focus lies in the online consumer finance sector. Leveraging its proprietary technological innovations, the platform offers an automated loan transaction process, which significantly enhances the user experience. By March 31, 2022, FinVolution Group had accumulated a substantial user base of approximately 145.3 million registered individuals. Established in 2007, the company, originally known as PPDAI Group Inc., rebranded as FinVolution Group in November 2019. It maintains its headquarters in Shanghai, People’s Republic of China.

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Revenue Segmentation

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Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
FIFINV logoFINVFinVolution Group819.7M2.93.57.2%
PRPRAA logoPRAAPRA Group, Inc.801.0M—6.3221.2%
WRWRLD logoWRLDWorld Acceptance Corporation848.8M21.225.83.9%
GDGDOT logoGDOTGreen Dot Corporation746.5M—9.21.6%
NANAVI logoNAVINavient Corporation893.8M—12.539.3%
LULU logoLULufax Holding Ltd1.0B——0.2%

EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/05/25 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue12,600,55913,065,82413,199,785
Gross Profit10,435,93010,363,97210,378,650
EBITDA2,452,9772,621,3793,105,805
Operating Income2,383,8872,535,1272,883,223
Net Income2,340,8352,383,1462,473,138

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets21,293,67323,607,12125,429,787
Total Liabilities7,422,7758,053,4468,575,074
Total Stockholders Equity13,748,78515,204,06416,560,640
Total Debt41,63434,3591,324,818
Cash and Cash Equivalents4,969,3194,672,7726,201,918

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow1,413,4232,893,1601,867,600
Capital Expenditure-538,0950-93,352
Free Cash Flow875,3282,893,1601,774,248
Net Income2,383,4852,383,1462,545,202
Net Change in Cash290,303-22,318-549,101

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)9,308,241.595Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)12,108,978.544Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)10,708,610.070Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)2,309,487.042Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)3,508,699.647Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)2,909,093.345Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)1,866,361.474Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)2,884,518.496Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)2,375,439.985Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)1,436,889.990Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)1,869,232.753Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)1,653,061.372Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)8.670Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)10.810Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)6.990Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)2Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)3Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.816B  ?P/S
 (TTM)
: 
0.42
?Net Income
 (TTM)
: 
331.139M  ?P/E
 (TTM)
: 
2.85
?Enterprise Value
 (TTM)
: 
2.172B  ?EV/FCF
 (TTM)
: 
1.96
?Dividend Yield
 (TTM)
: 
9.27%  ?Payout Ratio
 (TTM)
: 
0%
?ROE
 (TTM)
: 
4.57%  ?ROIC
 (TTM)
: 
7.2%
?Net Debt
 (TTM)
: 
-1303740795  ?Debt/Equity
 (TTM)
: 
0.09
?P/B
 (TTM)
: 
0.31  ?Current Ratio
 (TTM)
: 
31.93

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
3.51Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about FINV valuation

Is FinVolution Group (FINV) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for FinVolution Group (FINV) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FINV a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FINV trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FINV’s P/E ratio?

You can see FINV’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FINV?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FINV a good long-term investment?

Whether FINV fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FINV

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-2.37
MARKETSnap

Trading Metrics:

Open: 3.43   Previous Close: 3.38
Day Low: 3.27   Day High: 3.47
Year Low: 3.22   Year High: 7.95
Price Avg 50: 4.29   Price Avg 200: 4.91
Volume: 5.941M   Average Volume: 855123

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See in Nexus

Relevant news

Why I've Added 'Trading Shares' To My FinVolution Holdings
08-09-2026 12:56
Why I've Added 'Trading Shares' To My FinVolution Holdings
PPDAI Group Q2 Earnings Call Highlights
28-08-2026 22:01
PPDAI Group Q2 Earnings Call Highlights
FinVolution Group Reports Second Quarter 2026 Unaudited Financial Results
27-08-2026 18:00
FinVolution Group Reports Second Quarter 2026 Unaudited Financial Results
FinVolution Group Publishes Eighth Annual ESG Report
17-06-2026 05:00
FinVolution Group Publishes Eighth Annual ESG Report
FinVolution Launches 11th Global AI Competition: Teaching Voice AI When to Speak
22-05-2026 02:20
FinVolution Launches 11th Global AI Competition: Teaching Voice AI When to Speak
PPDAI Group Q1 Earnings Call Highlights
25-05-2026 22:03
PPDAI Group Q1 Earnings Call Highlights

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