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FinVolution GroupNYSE:FINV 주식 보고서

시가총액 US$1.3b
주가
US$5.22
US$7.61
31.4% 저평가 내재 할인율
1Y-37.6%
7D7.6%
포트폴리오 가치
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FinVolution Group

NYSE:FINV 주식 리포트

시가총액: US$1.3b

FinVolution Group (FINV) 주식 개요

핀볼루션 그룹은 투자 지주 회사로 중화인민공화국, 인도네시아 및 국제적으로 온라인 소비자 금융 산업을 운영하고 있습니다. 자세히 보기

FINV 펀더멘털 분석
스노우플레이크 점수
가치 평가6/6
미래 성장0/6
과거 실적4/6
재무 건전성5/6
배당4/6

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FinVolution Group 경쟁사

가격 이력 및 성과

FinVolution Group 주가의 최고가, 최저가 및 변동 요약
과거 주가
현재 주가US$5.22
52주 최고가US$10.90
52주 최저가US$4.51
베타0.37
1개월 변동2.15%
3개월 변동1.75%
1년 변동-37.56%
3년 변동29.53%
5년 변동-16.75%
IPO 이후 변동-60.09%

최근 뉴스 및 업데이트

Seeking Alpha May 05

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 Alpha
내러티브 업데이트 Apr 27

FINV: 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).
내러티브 업데이트 Apr 11

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).
내러티브 업데이트 Mar 28

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).

Recent updates

Seeking Alpha May 05

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 Alpha
내러티브 업데이트 Apr 27

FINV: 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).
내러티브 업데이트 Apr 11

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).
내러티브 업데이트 Mar 28

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).
내러티브 업데이트 Mar 13

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.
내러티브 업데이트 Feb 26

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.
내러티브 업데이트 Feb 07

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.
내러티브 업데이트 Jan 23

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).
내러티브 업데이트 Jan 09

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.
내러티브 업데이트 Dec 21

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.
내러티브 업데이트 Dec 07

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.
내러티브 업데이트 Nov 23

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.
분석 기사 Oct 30

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...
내러티브 업데이트 Aug 27

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.
Seeking Alpha Mar 31

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 Alpha
분석 기사 Mar 28

Investors 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...
분석 기사 Mar 27

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...
분석 기사 Mar 20

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...
분석 기사 Feb 08

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...
Seeking Alpha Dec 13

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 Alpha
Seeking Alpha Nov 22

FinVolution: 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 Alpha
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새 내러티브 Nov 21

International 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.
분석 기사 Oct 03

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...
Seeking Alpha Sep 19

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 Alpha
분석 기사 Jul 05

Investors 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...
Seeking Alpha Jun 18

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 Alpha
Seeking Alpha Apr 01

FinVolution 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 Alpha
분석 기사 Mar 22

FinVolution 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...
분석 기사 Mar 21

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...
Seeking Alpha Feb 08

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 Alpha
Seeking Alpha Nov 23

FinVolution: 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 Alpha
Seeking Alpha Sep 15

FinVolution: 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 Alpha
Seeking Alpha Jul 06

FinVolution: 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 Alpha
Seeking Alpha May 24

FinVolution'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 Alpha
Seeking Alpha Jan 02

Things 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)
Seeking Alpha Dec 23

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.

주주 수익률

FINVUS Consumer FinanceUS 시장
7D7.6%1.9%3.2%
1Y-37.6%12.9%31.0%

수익률 대 산업: FINV은 지난 1년 동안 12.9%의 수익을 기록한 US Consumer Finance 산업보다 저조한 성과를 냈습니다.

수익률 대 시장: FINV은 지난 1년 동안 31%를 기록한 US 시장보다 저조한 성과를 냈습니다.

주가 변동성

Is FINV's price volatile compared to industry and market?
FINV volatility
FINV Average Weekly Movement7.5%
Consumer Finance Industry Average Movement6.9%
Market Average Movement7.1%
10% most volatile stocks in US Market16.1%
10% least volatile stocks in US Market3.2%

안정적인 주가: FINV는 지난 3개월 동안 US 시장에 비해 주가 변동성이 크지 않았습니다.

시간에 따른 변동성: FINV의 주간 변동성(8%)은 지난 1년 동안 안정적이었습니다.

회사 소개

설립직원 수CEO웹사이트
20073,623Tiezheng Liir.finvgroup.com

투자 지주 회사인 핀볼루션 그룹은 중화인민공화국, 인도네시아 및 전 세계에서 온라인 소비자 금융 산업을 운영하고 있습니다. PP다이닷컴과 PP다이 모바일 애플리케이션을 통한 온라인 소비자 금융 플랫폼, KOO 가상 신용, 온라인 대출 플랫폼인 아다카미, 대출 및 기타 개인 맞춤형 금융 서비스를 제공하는 후안핸드 등을 운영하고 있습니다. 이 회사는 이전에 PP다이 그룹으로 알려졌으나 2019년 11월에 핀볼루션 그룹으로 사명을 변경했습니다.

FinVolution Group 기초 지표 요약

FinVolution Group의 순이익과 매출은 시가총액과 어떻게 비교됩니까?
FINV 기초 통계
시가총액US$1.29b
순이익 (TTM)US$373.27m
매출 (TTM)US$1.99b
3.5x
주가수익비율(P/E)
0.7x
주가매출비율(P/S)

FINV는 고평가되어 있습니까?

공정 가치 및 평가 분석 보기

순이익 및 매출

최근 실적 보고서(TTM)의 주요 수익성 지표
FINV 손익계산서 (TTM)
매출CN¥13.57b
매출원가CN¥3.54b
총이익CN¥10.03b
기타 비용CN¥7.49b
순이익CN¥2.54b

최근 보고된 실적

Dec 31, 2025

다음 실적 발표일

해당 없음

주당순이익(EPS)10.05
총이익률73.93%
순이익률18.74%
부채/자본 비율7.6%

FINV의 장기 실적은 어땠습니까?

과거 실적 및 비교 보기

배당

5.7%
현재 배당 수익률
18%
배당 성향

FINV는 안정적으로 배당을 지급합니까?

FINV 배당 기록 및 벤치마크 보기
다가오는 배당을 받으려면 언제까지 FINV를 매수해야 하나요?
FinVolution Group 배당 일정
배당락일Apr 16 2026
배당 지급일May 07 2026
배당락일까지 남은 일수21 days
배당 지급일까지 남은 일수0 days

FINV는 안정적으로 배당을 지급합니까?

FINV 배당 기록 및 벤치마크 보기

기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/05/06 10:34
종가2026/05/06 00:00
수익2025/12/31
연간 수익2025/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지데이터기간미국 소스 예시 *
기업 재무제표10년
  • 손익계산서
  • 현금흐름표
  • 대차대조표
분석가 컨센서스 추정치+3년
  • 재무 예측
  • 분석가 목표주가
시장 가격30년
  • 주가
  • 배당, 분할 및 기타 조치
지분 구조10년
  • 주요 주주
  • 내부자 거래
경영진10년
  • 리더십 팀
  • 이사회
주요 개발10년
  • 회사 공시

* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.

분석 모델 및 스노우플레이크

이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드YouTube 튜토리얼도 제공합니다.

Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.

산업 및 섹터 지표

산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.

분석가 소스

FinVolution Group는 12명의 분석가가 다루고 있습니다. 이 중 7명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가기관
Qingqing MaoChina International Capital Corporation Limited
Dongping ZhouChina International Capital Corporation Limited
Yun-Yin WangChina Renaissance Securities