Update shared on 07 Dec 2025
Fair value Decreased 12%Analysts have modestly reduced their price target on FinVolution Group, citing tempered expectations for revenue growth and slightly lower profit margins. These factors outweigh a marginally higher assumed future P/E multiple.
What's in the News
- Completed share repurchases totaling approximately $36.56 million under the buyback program announced on March 17, 2025, including $0.8 million repurchased between July 1 and September 30, 2025 (Key Developments).
- Issued full year 2025 revenue guidance in the range of RMB 13.1 billion to RMB 13.7 billion, implying approximately 0% to 5% year over year growth based on current market and regulatory conditions (Key Developments).
Valuation Changes
- Fair Value: reduced moderately, declining from 8.61 to 7.55 per share and indicating a lower intrinsic value estimate.
- Discount Rate: risen slightly from 8.72 percent to 8.77 percent and reflecting a marginally higher required return.
- Revenue Growth: fallen significantly from about 5.97 percent to 1.95 percent and signaling more cautious expectations for top line expansion.
- Net Profit Margin: edged down from roughly 18.40 percent to 17.50 percent and pointing to slightly weaker projected profitability.
- Future P/E: increased modestly from 6.23x to 6.42x and implying a small uplift in the valuation multiple applied to future earnings.
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