FinVolution Group 대차대조표 건전성
재무 건전성 기준 점검 5/6
FinVolution Group 의 총 주주 지분은 CN¥16.5B 이고 총 부채는 CN¥1.3B, 이는 부채 대 자기자본 비율을 8% 로 가져옵니다. 총자산과 총부채는 각각 CN¥25.7B 및 CN¥9.1B 입니다. FinVolution Group 의 EBIT는 CN¥6.0B 이며 이자보상배율은 72.9 입니다. CN¥7.3B 의 현금 및 단기 투자금을 보유하고 있습니다.
핵심 정보
8.03%
부채/자본 비율
CN¥1.33b
부채
| 이자보상배율 | 72.9x |
| 현금 | CN¥7.33b |
| 자본 | CN¥16.55b |
| 총부채 | CN¥9.14b |
| 총자산 | CN¥25.69b |
최근 재무 건전성 업데이트
업데이트 없음
Recent updates
내러티브 업데이트 • May 18
FINV: Share Buybacks And Dividend Policy Will Support Future Return Potential
Analysts have nudged their price target on FinVolution Group higher to $7.61. This reflects slightly adjusted assumptions around the stock's discount rate, revenue growth outlook, and future P/E expectations.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 Alpha내러티브 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 Alpha분석 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 AlphaSeeking 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
새로운 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 Alpha분석 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 AlphaSeeking 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 Alpha분석 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 AlphaSeeking 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 AlphaSeeking 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 AlphaSeeking 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 AlphaSeeking 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 Alpha재무 상태 분석
단기부채: FINV 의 단기 자산 ( CN¥20.3B )이 단기 부채( CN¥2.7B ).
장기 부채: FINV의 단기 자산(CN¥20.3B)이 장기 부채(CN¥6.4B)를 초과합니다.
부채/자본 비율 추이 및 분석
부채 수준: FINV 총 부채보다 더 많은 현금을 보유하고 있습니다.
부채 감소: FINV의 부채 대비 자본 비율은 지난 5년 동안 0%에서 8%로 증가했습니다.
부채 범위: FINV 의 부채는 영업 현금 흐름 ( 118.2% )에 의해 잘 충당되었습니다.
이자 보장: FINV 의 부채에 대한 이자 지급은 EBIT(72.9x 적용 범위)로 잘 충당됩니다.
대차대조표
건전한 기업 찾아보기
기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/05/26 07:46 |
| 종가 | 2026/05/26 00:00 |
| 수익 | 2026/03/31 |
| 연간 수익 | 2025/12/31 |
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.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
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| 분석가 컨센서스 추정치 | +3년 |
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| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
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| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
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* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
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이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.
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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.
| 분석가 | 기관 |
|---|---|
| Qingqing Mao | China International Capital Corporation Limited |
| Dongping Zhou | China International Capital Corporation Limited |
| Yun-Yin Wang | China Renaissance Securities |