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Company Analysis

FinVolution Group FINV

A comprehensive view of key metrics, scores, and financial health for FinVolution Group

Overview of FinVolution Group

FINV NYQ
Financial Services Credit Services Small Cap
FinVolution Group (FINV), is a Small Cap company, in the Credit Services industry, last closed at $5.24, about 1100.4% undervalued vs fair value, -42.5% 1Y return, ranked 432/1004 in sector.
$5.24
0.19%
As of March 13, 2026
Previous close • Vol 90d: 48.7%
52-Week Range
Market Cap
$1.36B
Enterprise Value
$-1.73B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://ir.finvgroup.com
HQ Shanghai
Employees 3,623
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$35
$63
$118
Current: $5.24 +1100% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$205.8M
Total Revenue
$13.1B
3.8%%
Operating Expense
$8.1B
1.2%%
Pre-Provision Profit
$2.5B
6.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
15.7%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.1B
45.5% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating FinVolution Group's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
63
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
67
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing FINV's balance between Growth (27.7%), Profitability (37.2%), and Safety (35.1%). Growth 28% Safety 35% Profitability 37%

Click axes to expand details. Marker shows current allocation.

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Growth

44th percentile vs peers
45
Key Signals
Revenue CAGR 3Y 11.1% 68p TSR 46.2% 81p Rev Growth YoY 3.9% 26p EPS CAGR 3Y 2.2% 40p EPS Growth YoY 8.2% 29p
Strengths
  • Interest Coverage Ratio in top 20% of peers (12.22, 83th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Tsr in top 20% of peers (46.2%, 81th percentile)
  • Cash Flow To Debt Ratio in top 20% of peers (4.60, 85th percentile)
Risks

No significant risks identified for this axis.

Profitability

60th percentile vs peers
60
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
57
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for FinVolution Group.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$62.90
- - -
+1100.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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