FinVolution Group 将来の成長
Future 基準チェック /06
FinVolution Group利益と収益がそれぞれ年間3.3%と3.7%増加すると予測されています。EPS は年間 増加すると予想されています。自己資本利益率は 3 年後に12.5% 4.2%なると予測されています。
主要情報
3.3%
収益成長率
4.16%
EPS成長率
| Consumer Finance 収益成長 | 19.5% |
| 収益成長率 | 3.7% |
| 将来の株主資本利益率 | 12.47% |
| アナリストカバレッジ | Good |
| 最終更新日 | 30 Mar 2026 |
今後の成長に関する最新情報
FinVolution Group (NYSE:FINV) Analysts Are Pretty Bullish On The Stock After Recent Results
The investors in FinVolution Group 's ( NYSE:FINV ) will be rubbing their hands together with glee today, after the...Earnings Update: FinVolution Group (NYSE:FINV) Just Reported Its Yearly Results And Analysts Are Updating Their Forecasts
Shareholders might have noticed that FinVolution Group ( NYSE:FINV ) filed its yearly result this time last week. The...Recent updates
FinVolution: China Risks Have Settled, What's Next (Rating Upgrade)
Summary FinVolution reported FY25 results with revenue down to CNY3 billion and operating income down 39%, pressured by regulatory and credit headwinds. International expansion continues to be strong, reaching 25% of revenue and a $15 million profit in a phase where underwritings and customer acquisitions are especially costly. There are some headwinds in delinquencies. Domestically, regulations are to blame. Internationally, digital credit quality deteriorated amid broader rate cuts. This type of shock should normalize as regulations are tightening. International structural scarcity remains a reality and opportunity for growth. As the local fintech landscapes are becoming more consolidated, it should benefit a seasoned player like FINV. Read the full article on Seeking AlphaFINV: Share Buybacks And Dividend Policy Will Support Future Upside Potential
Analysts have kept their fair value estimate for FinVolution Group broadly unchanged at about $7.61 per share, with only slight tweaks to assumptions on discount rate, revenue growth, profit margin and future P/E contributing to a steady price target view. What's in the News FinVolution issued earnings guidance for 2026, with total revenue expected in a range of about RMB11.5b to RMB12.9b, which it described as a 5% to 15% year over year decline (company guidance).FINV: Buybacks And Dividend Will Support Future Upside Potential
Analysts have made a small trim to their price target on FinVolution Group, reducing it by about $0.04 as they fine tune assumptions around fair value, discount rate, revenue growth, profit margin and future P/E levels. What's in the News FinVolution Group issued earnings guidance for 2026, with total revenue expected in a range of roughly RMB11.5b to RMB12.9b, which the company describes as a 5% to 15% year over year decline (company guidance).FINV: Share Buybacks And Dividends Will Support Further Upside Potential
Analysts have trimmed their price target for FinVolution Group slightly to about $7.65, citing refreshed assumptions on discount rate, revenue growth, profit margins and future P/E, which collectively point to a more balanced risk and return profile. What's in the News FinVolution issued earnings guidance for 2026, with total revenue expected in a range of about RMB11.5b to RMB12.9b, described by the company as representing a 5% to 15% year over year decline (Corporate guidance).FINV: Higher Future P/E Assumptions Will Support Further Upside Potential
Analysts have nudged their price target for FinVolution Group higher to about $7.66 from about $7.55, citing updated assumptions around discount rates, revenue growth, profit margins, and future P/E levels. Valuation Changes Fair Value: The updated estimate has edged up from $7.55 to about $7.66 per share, reflecting a minor adjustment in the model.FINV: Lower Discount Rate And P/E Assumptions Will Support Future Upside Potential
Analysts have lowered their price target on FinVolution Group to $6.91 from $7.00, reflecting slightly lower assumed discount rates and a modestly reduced future P/E multiple, while keeping fair value, revenue growth, and profit margin expectations essentially unchanged. Valuation Changes Fair Value: Modelled fair value remains unchanged at $7.55 per share.FINV: Share Repurchases And 2025 Revenue Guidance Will Support Future Upside Potential
Analysts have trimmed their price target on FinVolution Group slightly, reflecting small adjustments to the discount rate and forward P/E assumptions while keeping fair value and key operating metrics essentially unchanged. What's in the News FinVolution Group issued full year 2025 revenue guidance, targeting total revenue in a range of about RMB 13.1b to RMB 13.7b.FINV: Share Repurchases And 2025 Guidance Will Support Future Upside Potential
Analysts have kept their fair value estimate for FinVolution Group steady at US$7.55 per share, with small tweaks to inputs like the discount rate and future P/E, now at 7.04x, reflecting updated assumptions rather than a major shift in the investment case. What's in the News From July 1, 2025 to September 30, 2025, FinVolution Group repurchased US$0.8 million of its shares, bringing total buybacks under the March 17, 2025 program to US$36.56 million (company announcement).FINV: Share Repurchases And 2025 Guidance Will Support Future Upside Potential
Analysts have held their fair value estimate for FinVolution Group steady at US$7.55 per share, while making only minor tweaks to discount rate and future P/E inputs. This reflects updated model assumptions rather than a shift in their overall view of the stock.FINV: Share Repurchases Will Support Future Upside Despite Flat Revenue Outlook
Analysts have modestly raised their price target on FinVolution Group, citing a slightly higher assumed future price to earnings multiple that offsets softer expectations for revenue growth and profit margins. This has led to a small upward revision in estimated fair value toward approximately $7.55 per share.FINV: Share Repurchases Will Drive Future Upside Despite Softer Margins
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.FINV: Share Buybacks Will Support Long-Term Upside Amid Margin Shifts
Analysts have lowered their price target for FinVolution Group from $11.34 to $8.61. They cite revised expectations for slower revenue growth and reduced profit margins as the reasons for this adjustment.Little Excitement Around FinVolution Group's (NYSE:FINV) Earnings As Shares Take 25% Pounding
Unfortunately for some shareholders, the FinVolution Group ( NYSE:FINV ) share price has dived 25% in the last thirty...Expansion Into International Markets And AI Investments Will Increase Costs But Strengthen Future Prospects
The downward revision in FinVolution Group's Analyst Price Target reflects sharp declines in both future P/E ratio and consensus revenue growth forecasts, with fair value dropping from $11.82 to $11.34. What's in the News Completed repurchase of 3,295,800 shares for $28.04 million, totaling 27,600,104 shares (10.5%) for $150 million under the buyback announced in August 2023.FinVolution Group Is Undervalued With Catalysts (Rating Upgrade)
Summary I have lifted my rating for FinVolution to a 'Buy', as there are re-rating drivers that could allow the stock to command a higher valuation. My take is that FINV's shares are cheap based on the capital management yield and P/NAV valuation measures. The key catalysts for the Company are further growth in foreign markets and sustained positive momentum for its domestic operations. Read the full article on Seeking AlphaInvestors Still Aren't Entirely Convinced By FinVolution Group's (NYSE:FINV) Earnings Despite 27% Price Jump
FinVolution Group ( NYSE:FINV ) shares have continued their recent momentum with a 27% gain in the last month alone...FinVolution Group (NYSE:FINV) Is Increasing Its Dividend To CN¥0.257
The board of FinVolution Group ( NYSE:FINV ) has announced that it will be paying its dividend of CN¥0.257 on the 7th...FinVolution Group (NYSE:FINV) Analysts Are Pretty Bullish On The Stock After Recent Results
The investors in FinVolution Group 's ( NYSE:FINV ) will be rubbing their hands together with glee today, after the...Many Still Looking Away From FinVolution Group (NYSE:FINV)
With a price-to-earnings (or "P/E") ratio of 7x FinVolution Group ( NYSE:FINV ) may be sending very bullish signals at...FinVolution: Big Data, Proven FCF Growth, And Substantial Undervaluation
Summary FinVolution Group's internationalization efforts, big data analytics, and machine learning capabilities could drive significant free cash flow and operational efficiency, making the stock appear undervalued and a buy. The company focuses on young borrowers underserved by traditional institutions, generating revenue through transaction service fees from financial partners. FINV's automated platforms and stock repurchase programs enhance profit margins and stock price potential, supported by impressive cash flow and net income growth. Regulatory changes in China and potential credit market deterioration pose risks, but the current valuation and growth prospects make FINV an attractive investment. Read the full article on Seeking AlphaFinVolution: Strong Growth Trajectory Ahead Through LE-GO Strategy
Summary FinVolution Group's overseas expansion strategy, 'Local Excellence, Global Outlook' (LE-GO), aims for sustainable growth in emerging markets outside China, enhancing its international revenue contribution to 20% in 2024. Despite a saturated China market, FINV's risk management and funding cost optimizations support progressive profit and shareholder returns. The Company's international markets, particularly Indonesia and the Philippines, show promising profitability and growth, with significant collaborations and diversified financial products. FINV's current growth potential for transaction volume, net income, and sustainable capital return make it an attractive investment, especially given its lower PB ratio compared to peers. Read the full article on Seeking AlphaInternational Expansion And Tech Partnerships Propel Innovative Growth Worldwide
Strategic international expansion and partnerships drive revenue growth and enhance market penetration, with a focus on technological innovation improving efficiency and margins.FinVolution Group (NYSE:FINV) Soars 29% But It's A Story Of Risk Vs Reward
Despite an already strong run, FinVolution Group ( NYSE:FINV ) shares have been powering on, with a gain of 29% in the...FinVolution: Market Diversity And Risk Management Are Major Competitive Advantages
Summary I am bullish on FinVolution Group due to its diverse market reach, robust risk management strategies, and commitment to shareholder value through dividends and share buybacks. The stock is undervalued with a P/E ratio of 4.82x and a NAV/share of $7.64, presenting a good entry opportunity. FinVolution's expansion into emerging markets like the Philippines and Indonesia, coupled with its mature Chinese market, ensures both short- and long-term growth. The company employs advanced AI and big data for risk assessment, maintaining a delinquency ratio below 3%, and has a diverse funding base for financial stability. Read the full article on Seeking AlphaInvestors Holding Back On FinVolution Group (NYSE:FINV)
With a price-to-earnings (or "P/E") ratio of 4.2x FinVolution Group ( NYSE:FINV ) may be sending very bullish signals...FinVolution: Appealing Shareholder Yield Is Overshadowed By Downside Risks
Summary FinVolution Group is estimated to offer a potential shareholder yield in the teens for fiscal 2024, considering analyst consensus dividend projections and the company's annualized share repurchases. However, I am concerned that FinVolution Group's actual FY 2024 bottom-line performance could be weaker-than-expected due to asset quality issues and elevated marketing investments. I have decided to stick with a Hold rating for FinVolution after assessing its shareholder capital return and its earnings risk factors. Read the full article on Seeking AlphaFinVolution Q4 2023: Striking A Balance Between Growth And Shareholder Returns
Summary Established in China in 2007, FinVolution Group has successfully transitioned from a P2P lending platform to a loan facilitation model, serving as an intermediary between borrowers and collaborated financial institutions. Despite the regulatory pressures and challenges posed by the COVID-19 pandemic, FinVolution has demonstrated remarkable resilience in terms of its robust growth in transaction volume, outstanding loan balance across Pan-Asia. FinVolution has successfully replicated know-how in Indonesia and the Philippines. By the conclusion of 2023, approximately 17% of the total revenue will be derived from these international operations. The commitment of FINV to enhancing shareholder value is noteworthy, as evidenced by its consistent capital return program encompassing dividends and share repurchases. Their strategic approach focuses on achieving balanced growth across markets while concurrently maximizing shareholder returns. Read the full article on Seeking AlphaFinVolution Group (NYSE:FINV) Has Announced That It Will Be Increasing Its Dividend To CN¥0.217
FinVolution Group ( NYSE:FINV ) will increase its dividend from last year's comparable payment on the 7th of May to...Earnings Update: FinVolution Group (NYSE:FINV) Just Reported Its Yearly Results And Analysts Are Updating Their Forecasts
Shareholders might have noticed that FinVolution Group ( NYSE:FINV ) filed its yearly result this time last week. The...FinVolution Remains A Long-Term Bullish Play
Summary FinVolution Group's earnings fell in fiscal 2022, but the company is expected to return to growth in fiscal 2023. The company's earnings yield and return on capital point to a strong investment case. The technicals of FINV stock have not been responding, but improvements in operations and international markets could lead to significant gains. Read the full article on Seeking AlphaFinVolution: Mixed Read-Throughs From Recent Results
Summary FINV's actual 9M 2023 top line and bottom line were less than 75% of their respective full-year consensus forecasts, as the Chinese economy remained weak. But Indonesia was a bright spot for FinVolution in the most recent quarter, and there is the potential for FINV to grab a larger share of the Indonesian P2P market. I leave my Hold rating for FINV unchanged, as I have a mixed view of the insights drawn from the company's latest set of results. Read the full article on Seeking AlphaFinVolution: Eyes On Foreign Expansion And Capital Allocation
Summary FinVolution is growing its presence in international markets, which is positive for its top line, but its profit margins are impacted by higher provisions and investments associated with foreign expansion. FINV has been returning a significant amount of excess capital to shareholders in recent years, but the company should place a greater emphasis on capital investment going forward. I have a Hold rating for FinVolution Group, as I have a Neutral view of its capital allocation policies and growth strategy. Read the full article on Seeking AlphaFinVolution: Dividend Trends By The Numbers
Summary FinVolution Group's shares have been consolidating, but its 4.69% dividend yield has protected investors' purchasing power. The company's annual dividend payout has increased by over 80% since 2020. The company's free cash flow dividend payout ratio of 40.3% indicates that the dividend is sustainable. FinVolution's strong cash position of $1.128 billion further protects the dividend. Despite a drop in net earnings in fiscal 2022, the company is expected to return to earnings growth this year, with strong growth expected in subsequent years. Read the full article on Seeking AlphaFinVolution's Low-Key Overseas Expansion Pays Dividends
Summary FinVolution's revenue from its overseas businesses surged 165.8% in the first quarter to account for 14.7% of its total revenue, up from 10% for all of 2022. The company began its overseas journey at the end of 2018 in the Philippines and has since expanded into Indonesia. FinVolution is unlikely to completely shed its Chinese roots, but instead is probably trying to become more diversified by beefing up its international operations. Read the full article on Seeking AlphaThings To Know About FinVolution Before It Breaks Out (Technical Analysis)
Summary Assuming geo-political turbulences, any attempt of building a Chinese-oriented portfolio has to factor in the volatility and can lend to market timing. Chinese consumer finance FinVolution is a boring business but flying under the radar often means outsized returns for investors. Technical setup on FinVolution indicates a high probability of breakout. About the business FinVolution Group (FINV) is a Chinese consumer finance company existing since 2007, and started its US trading in 2018 on NYSE, with a current market capitalization of $1.41B. If you are considering investing in FINV, I assume that you have accepted the following risks, among others: political, currency, and regulatory, and that you are aware of the volatility that those risks pose on your investment return (need to be aware of the foreign return being different from domestic, etc.). Not to mention the linguistic barrier which remains very strong despite best attempts to provide summary translations into English from lengthy questions and answers in Chinese during the earnings calls. FinVolution's mission is to connect borrowers with institutional funding partners, which has been realized for 100% of the new loans facilitated since 2020 (when they ceased connecting individual investors for peer-to-peer credit), strategically focusing on borrowers between the ages of 20 and 40, the young and early middle age consumers who join the FinVolution platform (PPDAI in China) for the simple and fast loan transactions. In China alone, 78.1%, 88.2%, and 80.0% of the total loan volume facilitated through the FinVolution platform in 2019, 2020, and 2021 was generated from repeat borrowers. As indicated during the Q3 call, the proportion of category A and B borrowers in the domestic market who met the highest credit standards expanded to 75% of total borrowers from 58% in the same period last year. FinVolution offers loans for individual consumers and for small businesses (around 60% of the latter have been in business for more than 3 years). The annual growth of the user base numbers is visualized below with cumulative borrowers' number above 26 million (23.2 million in China and 3 million internationally: Users base in China (FINV IR Q3 2022 presentation) Users base internationally (FINV IR Q3 2022 presentation) The company operates now in 5 countries. The primary market is China, but the international expansion started in 2018 with the establishment of two subsidiaries in the Philippines, 2019 in Indonesia, and 2020 in Singapore. Another market is being developed in Vietnam. The international outstanding loan balance reached RMB 640 million, representing a sequential increase of 33% and a year-over-year increase of 88%. The management is very honest about their aim of getting to international markets as more open to the intended business operations than what is legally possible in the motherland China. Their cumulative loan balance is RMB 566 B (as of Q3 2022 earnings reporting) and the current balance is RMB 60 B, representing an increase of 7% sequentially and 34% year-over-year. Let us put into perspective of the China consumer finance market size measured at $2.5 Trillion in 2022, according to FinVolution's own presentation. Loan balances (FINV IR Q3 2022 presentation) FinVolution's business model relies on collecting transaction service fees primarily from institutional funding partners. The company acquires customers through diverse channels such as online adverts, search engine marketing, or app stores, as well as through direct sales teams. FINV ecosystem (FINV IR Q3 2022 presentation) FinVolution relies heavily on the technological savviness of the borrowers' demographics since it uses online platforms in its respective markets for loan matching and transactions, so the borrowers need to be digitally connected and trained in using apps. FINV platforms (FINV IR Q3 2022 presentation) Since 2014, FinVolution has been using the proprietary credit scoring model called Magic Mirror which in essence is a huge database laying the foundation of AI algorithms and machine learning tools. FINV digital system (FINV IR Q3 2022 presentation) As for the financial results in Q3, the net revenues for the third quarter grew to around RMB 3 billion, up 18% YoY and growing sequentially by 11.5% from Q2, delivering a non-GAAP operating profit of RMB 683 million - which, although lower by 3.8% from Q3 2021, still grew sequentially by 3.1. Q3 2022 revenues (FINV IR Q3 2022 presentation) Explanation of My Technical Analysis Toolbox I will analyze FinVolution from a perspective of a number of technical analysis tools and show the screenshots on the monthly, weekly, and daily Heikin Ashi candles charts - each timeframe presented through two separate sets of indicators - which I will complement with a simplified daily Renko chart. The first chart setup (I will call it Chart 1) uses Bill William's Alligator indicator and Awesome Oscillator, as well as Ichimoku Clouds and On Balance Volume indicator line. For fundamentals, I show the quarterly revenue trend which I use for a quick visual triage. The Alligator technical analysis tool uses three smoothed moving averages that are based on thirteen, eight, and five periods, called also Jaw (blue line), Teeth (red line), and Lips (green line), respectively. Due to the smoothing of each moving average, the Jaw makes the slowest turns and the Lips make the fastest turns. The Lips crossing down through the other lines signals a short opportunity while crossing upward signals a buying opportunity. William's Awesome Oscillator (AO) is a market momentum tool that visualizes a histogram of two moving averages, calculated on median prices of a recent number of periods compared to the momentum of a larger number of previous periods. If the AO histogram is crossing above the zero line, that's indicative of bullish momentum. Conversely, when it crosses below zero, it may indicate bearish momentum. As for the Ichimoku Cloud - I am not using a full set of lines of Ichimoku lines, only the Leading Spans A and B, whose crosses dictates the color of the Cloud and whose individual lines provide levels of the strongest support and resistance lines. Ichimoku averages are plotted into the future which in its own right provides a clearer picture but has no predictive powers. On-Balance-Volume (OBV) indicator is a volume-based tool and is supposed to indicate the crowd sentiment about the price. OBV provides a running total of an asset's trading volume and indicates whether this volume is flowing in or out, especially when viewed in divergence with the price action. The second chart setting (Chart 2) uses 2 moving averages (10- and 50-period), volume, and volume's 20-period average. On the screenshot from top to bottom, you will see the Composite Index Divergence Indicator (CIDI), which I learned from the book of Constance Brown, as well as J. Welles Wilder's Directional Movement Indicator (DMI). I also use MACD (Moving Average Convergence Divergence) which is well known to everybody: I seek crossovers of MACD and signal, as well as above/below the zero level. CIDI comes from a combination of RSI with the Momentum indicator. For more literature, see Brown's paper or read her book. CIDI has been developed to solve the problem of RSI not being able to show divergence. I personally use the CIDI's crossover above and below its slow- and fast-moving averages, as well as the position of the averages against each other. As for DMI, I skip the ADX line because it doesn't give me anything. Instead, I focus on the crossovers of the Positive Direction Indicator DI+ and Negative Direction Indicator DI-. When the DI+ is above DI-, the current price momentum is upwards. When the DI- is above DI+, the current price momentum is downwards. On the use of Heikin Ashi candles and Renko boxes, I use them as tools for trend reversal and continuation identification. Renko charts do not have a time scale and they are built on price movements that must be big enough to create a new box or brick. Similar to Heikin Ashi, Renko charts filter the noise. As you might have guessed, my focus is on identifying the trend reversal and filtering the noise that allows the position continuation without the risk of too many false signals. However, I will be honest with you - I am not showing here all the technical indicators that I use for screening and analysis since they belong to my secret sauce. The Long-Term Trend For the long-term trend analysis, I use monthly charts. I am writing this article on January 1, so I cannot see yet in the chart the final drawing of the indicators' lines that would take into account the December inputs, but we can see the monthly December candle in Chart 1 below, with the close price of Friday, December 30, $4.96. And that's how the month ended, becoming the second green Heikin Ashi candle in this timeframe. The December candle "rests" in the Alligator's Lips line (green), which crosses the Teeth (red) line which in its turn is crossing above the Jaw (blue) line; indicating an uptrend set up according to this indicator. Ichimoku Cloud's lower edge is rising and the Cloud is narrowing, potentially leading to the switch of color from red to green. Awesome Oscillator seems to have finished in red, but still in a positive number. The OBV has risen in the last 2 months, it will be clear in a couple of days how it landed for December. Chart 1 - Monthly (TradingView) On Chart 2, we can appreciate that November readings for the Indicators have been upwards for CIDI (purple line above the fast green moving average and above the slow orange average), while the MACD line is approaching the signal from below. As for the DMI lines, the Positive Direction Indicator DI+ has remained above the Negative Direction Indicator DI- since the beginning of 2021. The volume in the last two months has also grown substantially, but without crossing its 20-month average. Chart 2 - Monthly (TradingView)FinVolution Group: Looks Like Momentum Is In Its Favor
Summary With the majority of its business in China, rolling COVID-19 lockdowns could cause uneven results in any one quarter. FinVolution Group's transition to higher quality borrowers is starting to pay off. Total transaction volume in the third quarter jumped by 19 percent year-over-year. Its success in Indonesia proves it can leverage its business to other markets. Small business transactions now account for 25 percent of total transactions. Under challenging conditions China-based FinVolution Group (FINV) has been successful improving and expanding upon its business, as it attracts higher quality borrowers, boost overall transaction volume, increases the number of domestic small businesses it serves, and successful expanded its business to Indonesia, which is setting the stage for further international growth, with the Philippines likely to be its next target. One of the few things holding it back has been the rolling COVID-19 lockdowns that can disrupt its business in any quarter which has at times generated uneven results. As far as macro-economic challenges, so far it has navigated through them well, as evidenced by its continual growth in transactions and the value of its loan's portfolio. In this article look at some of the numbers from its latest earnings report, the pace of its customer and transaction growth, the increase in the number of small businesses it serves in its domestic market, and why its future growth in international markets looks very promising. Some of the numbers Revenue in the third quarter was $417 million, up 17.7 percent year-over-year. The increase in revenue was attributed to growth in its "loan facilitation service fees, post facilitation service fees and guarantee income." Fees from its loan facilitation service was $164.3 million, an increase of 8.7 percent from the third quarter of 2021. A boost in transaction volume was the catalyst there, with a decline in service fee rates partially offsetting it. Fees from post-facilitation services was $69.2 million in the reporting period, up 36.3 percent year-over-year. The gains there was from the increase in outstanding loans in the quarter and "the rolling impact of deferred transaction fees." Delinquency rates in China FINV Report Revenue from guaranteed income reached $115.6 million in the third quarter. With the company pivoting to higher quality borrowers "the fair value of quality assurance commitment upon loan origination decreased due to better asset quality. "Net income in the reporting period was $46.3 million, slightly down by 0.9 percent. Revenue from Other was $22.3 million, up 42.1 percent from the third quarter of 2021. That was attributed to an increase in customer referral fees from outside platforms. Expenses associated with sales and marketing was $75.2 million in the third quarter of 2022, up 38.1 percent from the third quarter of 2021. The increase came from the company's decision to attract higher quality borrowers domestically and internationally. To me that's money well spent. As a result of its efforts to attract higher quality borrowers the provision for loans receivable dropped 7.9 percent to $18.5 million in the reporting period. Net profit in the third quarter of 2022 was $84.2 million, or $0.06 per diluted share. At the end of the third quarter of 2022 the company had cash and cash equivalents of $427.6 million and short-term investments of $329.7 million. Transaction and user growth The total transaction volume in the quarter was up 19.4 percent year-over-year. Transaction volume from repeat individual borrowers for the third quarter of 2022 was up 28.1 percent compared to the same quarter of 2021. With the increase in transactions the total outstanding loan balance in the reporting period was up 34 percent year-over-year. The number of overall registered users at the end of the third quarter of 2022 was 154.3 million. The total number of unique borrowers in the reporting period was 3.2 million. The number of repeat borrowers climb to 2.5 million in the third quarter of 2022. Small business growth The small business segment of FINV has been growing strong, with the company serving approximately 504,000 small businesses in the third quarter, now accounting for 25 percent of the total transaction volume of the company, up 43 percent year-over-year. That will without a doubt continue to grow. The diversity of industries and geographies in the small business mix helps mitigate risk. FINV added that about 60 percent of the small business owners it does business with have been operating for over three years, suggesting probable longevity in the small business growth trend in China. Not only is its small business segment diversified internally, but the growth also provides a level of risk mitigation from its exposure to individual consumers it does business with. Combined with its international growth and success, it's providing higher support for a floor on its share price. International business The successful performance of the company in Indonesia, now accounting for 12 percent of total revenue for FINV, is important not only because of its adding to its top line performance, but because it confirms the company is able to successfully compete outside the market in China while applying the same business model. Similar to its strategy in China, it is branding and marketing for the purpose of attracting higher quality borrowers. That is progressing as it increased borrower quality from 62 percent of Indonesian borrowers in the second quarter to 68 percent of total Indonesian borrowers in the third quarter. Combined with a stronger macro-economic environment and policies around COVID-19 being eased by the government, the number of transactions from the second quarter jumped by 22 percent, and on a year-over-year basis, by 6 percent. Management believes it will be able to significantly grow the number of transactions by partnering with local financial institutions that will expand its reach to the type of borrowers it's seeking to do business with. To get an idea of how quickly business in Indonesia is growing for FINV, the proportion of loans in the third quarter increased from 39 percent in the second quarter to 48 percent in the third quarter. Last year in the third quarter there was no local funding in the Indonesian market. With this experience and success in Indonesia, I believe the company has proven it can successfully expand to international markets using its technology and business model. In the future international markets are going to become a much larger part of the percentage of revenue it generates. The next international market the company is probably going to enter is the Philippines. Conclusion Now that FINV has a clear plan and strategy in place that it has successfully tweaked domestically and internationally, it has the experience in place to leverage its tech and business model in other markets. Not only is there plenty of room to grow domestically, but it has much of Asia laying before it, and I wouldn't be surprised to see it expand beyond there in the years ahead.業績と収益の成長予測
| 日付 | 収益 | 収益 | フリー・キャッシュフロー | 営業活動によるキャッシュ | 平均アナリスト数 |
|---|---|---|---|---|---|
| 12/31/2028 | 15,175 | 2,774 | 2,429 | 2,449 | 3 |
| 12/31/2027 | 14,051 | 2,479 | 2,236 | 1,129 | 6 |
| 12/31/2026 | 12,692 | 2,023 | 734 | 602 | 7 |
| 12/31/2025 | 13,569 | 2,542 | 1,868 | 1,868 | N/A |
| 9/30/2025 | 14,022 | 2,798 | 1,795 | 1,822 | N/A |
| 6/30/2025 | 13,811 | 2,798 | 2,205 | 2,233 | N/A |
| 3/31/2025 | 13,401 | 2,602 | 3,174 | 3,202 | N/A |
| 12/31/2024 | 13,085 | 2,383 | 2,865 | 2,893 | N/A |
| 9/30/2024 | 12,886 | 2,227 | 1,939 | 2,477 | N/A |
| 6/30/2024 | 12,807 | 2,169 | 856 | 1,394 | N/A |
| 3/31/2024 | 12,715 | 2,173 | 364 | 902 | N/A |
| 12/31/2023 | 12,601 | 2,341 | 823 | 1,361 | N/A |
| 9/30/2023 | 12,520 | 2,368 | 1,606 | 1,659 | N/A |
| 6/30/2023 | 12,294 | 2,401 | 1,753 | 1,806 | N/A |
| 3/31/2023 | 11,884 | 2,428 | 923 | 976 | N/A |
| 12/31/2022 | 11,281 | 2,266 | 184 | 237 | N/A |
| 9/30/2022 | 10,606 | 2,371 | 131 | 186 | N/A |
| 6/30/2022 | 10,160 | 2,408 | -58 | -3 | N/A |
| 3/31/2022 | 9,878 | 2,453 | 247 | 302 | N/A |
| 12/31/2021 | 9,544 | 2,509 | 575 | 630 | N/A |
| 9/30/2021 | 9,103 | 2,347 | 1,128 | 1,160 | N/A |
| 6/30/2021 | 8,372 | 2,313 | 1,782 | 1,814 | N/A |
| 3/31/2021 | 7,798 | 2,144 | 3,051 | 3,083 | N/A |
| 12/31/2020 | 7,791 | 1,973 | 2,175 | 2,207 | N/A |
| 9/30/2020 | 7,179 | 1,890 | -1,415 | -1,366 | N/A |
| 6/30/2020 | 6,978 | 1,885 | -690 | -642 | N/A |
| 3/31/2020 | 6,809 | 2,089 | -1,322 | -1,274 | N/A |
| 12/31/2019 | 6,198 | 2,373 | -264 | -216 | N/A |
| 9/30/2019 | 6,193 | 2,736 | N/A | 3,127 | N/A |
| 6/30/2019 | 5,604 | 2,787 | N/A | 2,738 | N/A |
| 3/31/2019 | 5,144 | 2,733 | N/A | 2,272 | N/A |
| 12/31/2018 | 4,604 | 2,469 | N/A | 1,885 | N/A |
| 9/30/2018 | 4,100 | 391 | N/A | 1,339 | N/A |
| 6/30/2018 | 4,204 | -537 | N/A | 1,760 | N/A |
| 3/31/2018 | 4,229 | -1,266 | N/A | 3,166 | N/A |
| 12/31/2017 | 3,943 | -1,990 | N/A | 3,409 | N/A |
| 9/30/2017 | 3,533 | -669 | N/A | 3,666 | N/A |
| 6/30/2017 | 2,650 | -329 | N/A | 2,295 | N/A |
| 3/31/2017 | 1,762 | -148 | N/A | 813 | N/A |
| 12/31/2016 | 1,269 | -61 | N/A | 1,088 | N/A |
| 9/30/2016 | 800 | -143 | N/A | 271 | N/A |
| 12/31/2015 | 202 | -181 | N/A | -192 | N/A |
アナリストによる今後の成長予測
収入対貯蓄率: FINVの予測収益成長率 (年間3.3% ) は 貯蓄率 ( 3.5% ) を下回っています。
収益対市場: FINVの収益 ( 3.3% ) US市場 ( 16.4% ) よりも低い成長が予測されています。
高成長収益: FINVの収益は増加すると予測されていますが、大幅には増加しません。
収益対市場: FINVの収益 ( 3.7% ) US市場 ( 11.4% ) よりも低い成長が予測されています。
高い収益成長: FINVの収益 ( 3.7% ) 20%よりも低い成長が予測されています。
一株当たり利益成長率予想
将来の株主資本利益率
将来のROE: FINVの 自己資本利益率 は、3年後には低くなると予測されています ( 12.5 %)。
成長企業の発掘
企業分析と財務データの現状
| データ | 最終更新日(UTC時間) |
|---|---|
| 企業分析 | 2026/05/06 09:03 |
| 終値 | 2026/05/06 00:00 |
| 収益 | 2025/12/31 |
| 年間収益 | 2025/12/31 |
データソース
企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。
| パッケージ | データ | タイムフレーム | 米国ソース例 |
|---|---|---|---|
| 会社財務 | 10年 |
| |
| アナリストのコンセンサス予想 | +プラス3年 |
|
|
| 市場価格 | 30年 |
| |
| 所有権 | 10年 |
| |
| マネジメント | 10年 |
| |
| 主な進展 | 10年 |
|
* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。
特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM(Trailing Twelve Month)またはLTM(Last Twelve Month)データとして知られています。詳細はこちら。
分析モデルとスノーフレーク
本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。
シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。
業界およびセクターの指標
私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。
アナリスト筋
FinVolution Group 7 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。12
| アナリスト | 機関 |
|---|---|
| Qingqing Mao | China International Capital Corporation Limited |
| Dongping Zhou | China International Capital Corporation Limited |
| Yun-Yin Wang | China Renaissance Securities |