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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 Framework: Banks & Lenders Small Cap
FinVolution Group (FINV), is a Small Cap company, in the Credit Services industry, last closed at $2.94, about 250.0% undervalued vs fair value, -51.2% 1Y return, ranked 490/1078 in sector.
Metrics P/E 3.8× Rev Growth 4.0% ROE 16.0% Gross Margin 78.2% Div Yield 5.56%
USD 2.94
3.89%
(Delayed)
• Vol 90d: 50.4%
52-Week Range
Market Cap
$667.70M
Enterprise Value
$425.81M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 100%
Confidence: 98%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Earnings Nov 18 Estimated

Fair Value Snapshot

Bear Base Bull
$6
$10
$19
Current: $2.94 +250% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

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

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

CNY 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 Lender Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
68
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Equity Cushion Equity cushion is strong (score 0.84).
  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.82).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Funding & Return Stability

Moderate
72
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Signals, strengths and risks for Funding & Return Stability

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 87% Coverage
Trade-Off Triangle Visualization A ternary plot showing FINV's balance between Growth (28.8%), Profitability (29.8%), and Safety (41.5%). Growth 29% Safety 41% Profitability 30%

Click axes to expand details. Marker shows current allocation.

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Growth

58th percentile vs peers
58
Key Signals
Asset Growth YoY 7.6% 68p Loan Growth YoY 55.7% 73p Equity Growth YoY 8.8% 48p EPS Growth YoY 5.6% 30p
Strengths
  • ROA in top 20% of peers (10.4%, 99th percentile)
  • ROE in top 20% of peers (16.0%, 89th 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

60th percentile vs peers
60
Key Signals
Strengths
Risks
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Safety

83th percentile vs peers
84
Key Signals
Strengths
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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
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Bear
-
- - -
- upside
-
Base
$10.29
- - -
+250.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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