Skip to content
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 Framework: Banks & Lenders Small Cap
FinVolution Group (FINV), is a Small Cap company, in the Credit Services industry, last closed at $4.79, about 1267.4% undervalued vs fair value, -44.1% 1Y return, ranked 351/1078 in sector.
Metrics P/E 0.5× Rev Growth 4.0% ROE 16.0% Gross Margin 78.4% Div Yield 38.91%
USD 4.79
-0.42%
(Delayed)
• Vol 90d: 51.2%
52-Week Range
Market Cap
$1.12B
Enterprise Value
$-2.19B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Earnings Aug 20 Estimated

Fair Value Snapshot

Bear Base Bull
$36
$66
$123
Current: $4.79 +1267% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$28.5M
Net Interest Income
$-28.5M
Total Revenue
$13.6B
4%%
Fee/Non-Interest Income
$13.6B
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
15.4%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.3B
50.2% 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 Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Developing
48
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 78% Coverage
Trade-Off Triangle Visualization A ternary plot showing FINV's balance between Growth (26.9%), Profitability (35.4%), and Safety (37.7%). Growth 27% Safety 38% Profitability 35%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

59th percentile vs peers
60
Key Signals
Asset Growth YoY 7.6% 68p Loan Growth YoY 55.7% 78p Equity Growth YoY 8.8% 48p EPS Growth YoY 5.6% 31p
Strengths
  • ROA in top 20% of peers (10.6%, 98th percentile)
  • ROE in top 20% of peers (16.0%, 88th percentile)
  • Equity/Assets in top 20% of peers (66.3%, 98th percentile)
  • Financial Leverage in top 20% of peers (1.54, 97th percentile)
Risks

No significant risks identified for this axis.

Profitability

78th percentile vs peers
79
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

83th percentile vs peers
84
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for FinVolution Group.

Loading valuation model...
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
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$65.50
- - -
+1267.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000