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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 $5.02, about 1153.0% undervalued vs fair value, -36.7% 1Y return, ranked 438/1037 in sector.
$5.02
-0.20%
As of April 28, 2026
Previous close • Vol 90d: 46.3%
52-Week Range
Market Cap
$1.25B
Enterprise Value
$-1.84B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 53%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Dividend May 7
Earnings May 20 Estimated

Fair Value Snapshot

Bear Base Bull
$35
$63
$118
Current: $5.02 +1153% 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
68
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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 (37.6%), Profitability (39.1%), and Safety (23.3%). Growth 38% Safety 23% Profitability 39%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

62th percentile vs peers
62
Key Signals
Loan Growth YoY 2.69 91p Asset Growth YoY 10.9% 61p Equity Growth YoY 10.6% 57p EPS Growth YoY 8.2% 29p
Strengths
  • Loan Growth YoY in top 20% of peers (2.69, 91th percentile)
  • ROA in top 20% of peers (10.6%, 83th percentile)
  • Equity/Assets in top 20% of peers (65.9%, 89th percentile)
  • Growth above peer median with strong metric coverage (75%)
Risks

No significant risks identified for this axis.

Profitability

64th percentile vs peers
65
Key Signals
Strengths
Risks
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Safety

38th percentile vs peers
39
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:

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  • 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
- - -
+1153.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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