| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 3/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 3/6 |
FINV Overview
FinVolution Group, an investment holding company, operates an online consumer finance marketplace in the People’s Republic of China.
Share Price & News
How has FinVolution Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: FINV is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: FINV's weekly volatility has decreased from 17% to 7% over the past year.
Market Performance
7 Day Return
-6.3%
FINV
2.1%
US Consumer Finance
-0.6%
US Market
1 Year Return
255.8%
FINV
75.0%
US Consumer Finance
33.8%
US Market
Return vs Industry: FINV exceeded the US Consumer Finance industry which returned 75% over the past year.
Return vs Market: FINV exceeded the US Market which returned 33.8% over the past year.
Shareholder returns
| FINV | Industry | Market | |
|---|---|---|---|
| 7 Day | -6.3% | 2.1% | -0.6% |
| 30 Day | 0.3% | 1.7% | 1.0% |
| 90 Day | -35.6% | -0.3% | 3.4% |
| 1 Year | 263.6%255.8% | 78.5%75.0% | 35.8%33.8% |
| 3 Year | -0.4%-12.1% | 51.8%43.5% | 60.0%50.1% |
| 5 Year | n/a | 149.2%127.6% | 123.0%98.7% |
Long-Term Price Volatility Vs. Market
How volatile is FinVolution Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall St
I Ran A Stock Scan For Earnings Growth And FinVolution Group (NYSE:FINV) Passed With Ease1 month ago | Simply Wall St
Shareholders Are Thrilled That The FinVolution Group (NYSE:FINV) Share Price Increased 201%2 months ago | Simply Wall St
Is FinVolution Group's (NYSE:FINV) Shareholder Ownership Skewed Towards Insiders?FinVolution Group Fundamentals Summary
| FINV fundamental statistics | |
|---|---|
| Market Cap | CN¥10.63b |
| Earnings (TTM) | CN¥2.31b |
| Revenue (TTM) | CN¥8.37b |
4.6x
P/E Ratio1.3x
P/S RatioIs FINV overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| FINV income statement (TTM) | |
|---|---|
| Revenue | CN¥8.37b |
| Cost of Revenue | CN¥1.82b |
| Gross Profit | CN¥6.55b |
| Expenses | CN¥4.24b |
| Earnings | CN¥2.31b |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 8.12 |
| Gross Margin | 78.26% |
| Net Profit Margin | 27.63% |
| Debt/Equity Ratio | 0% |
How did FINV perform over the long term?
See historical performance and comparisonDividends
2.9%
Current Dividend Yield14%
Payout RatioValuation
Is FinVolution Group undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: FINV ($5.8) is trading below our estimate of fair value ($31.72)
Significantly Below Fair Value: FINV is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: FINV is good value based on its PE Ratio (4.6x) compared to the US Consumer Finance industry average (8x).
PE vs Market: FINV is good value based on its PE Ratio (4.6x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: FINV is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: FINV is good value based on its PB Ratio (1.1x) compared to the US Consumer Finance industry average (1.6x).
Future Growth
How is FinVolution Group forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
8.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FINV's forecast earnings growth (8.4% per year) is above the savings rate (2%).
Earnings vs Market: FINV's earnings (8.4% per year) are forecast to grow slower than the US market (14.8% per year).
High Growth Earnings: FINV's earnings are forecast to grow, but not significantly.
Revenue vs Market: FINV's revenue (15.6% per year) is forecast to grow faster than the US market (9.8% per year).
High Growth Revenue: FINV's revenue (15.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: FINV's Return on Equity is forecast to be high in 3 years time (21.1%)
Past Performance
How has FinVolution Group performed over the past 5 years?
50.4%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FINV has high quality earnings.
Growing Profit Margin: FINV's current net profit margins (27.6%) are higher than last year (27%).
Past Earnings Growth Analysis
Earnings Trend: FINV has become profitable over the past 5 years, growing earnings by 50.4% per year.
Accelerating Growth: FINV's earnings growth over the past year (22.7%) is below its 5-year average (50.4% per year).
Earnings vs Industry: FINV earnings growth over the past year (22.7%) underperformed the Consumer Finance industry 126.5%.
Return on Equity
High ROE: FINV's Return on Equity (24.6%) is considered high.
Financial Health
How is FinVolution Group's financial position?
Financial Position Analysis
Short Term Liabilities: FINV's short term assets (CN¥13.7B) exceed its short term liabilities (CN¥952.4M).
Long Term Liabilities: FINV's short term assets (CN¥13.7B) exceed its long term liabilities (CN¥4.9B).
Debt to Equity History and Analysis
Debt Level: FINV is debt free.
Reducing Debt: FINV has no debt compared to 5 years ago when its debt to equity ratio was 1.6%.
Debt Coverage: FINV has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: FINV has no debt, therefore coverage of interest payments is not a concern.
Balance Sheet
Dividend
What is FinVolution Group current dividend yield, its reliability and sustainability?
2.89%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: FINV's dividend (2.89%) is higher than the bottom 25% of dividend payers in the US market (1.33%).
High Dividend: FINV's dividend (2.89%) is low compared to the top 25% of dividend payers in the US market (3.6%).
Stability and Growth of Payments
Stable Dividend: FINV has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: FINV has only been paying a dividend for 3 years, and since then payments have fallen.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (13.7%), FINV's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: FINV's dividends in 3 years are forecast to be thoroughly covered by earnings (14.8% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
1.5yrs
Average management tenure
CEO
Feng Zhang (45 yo)
1.5yrs
Tenure
Mr. Feng Zhang has been the Chief Executive Officer of FinVolution Group (formally known as PPDAI Group Inc.) since March 2020. He was Co-Chief Executive Officer of FinVolution Group (formally known as PPD...
Leadership Team
Experienced Management: FINV's management team is not considered experienced ( 1.5 years average tenure), which suggests a new team.
Board Members
Experienced Board: FINV's board of directors are considered experienced (3.8 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
FinVolution Group's company bio, employee growth, exchange listings and data sources
Key Information
- Name: FinVolution Group
- Ticker: FINV
- Exchange: NYSE
- Founded: 2007
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$1.644b
- Shares outstanding: 283.38m
- Website: https://ir.finvgroup.com
Number of Employees
Location
- FinVolution Group
- Building G1
- No. 999 Dangui Road
- Shanghai
- 201203
- China
Listings
Biography
FinVolution Group, an investment holding company, operates an online consumer finance marketplace in the People’s Republic of China. It operates a fintech platform that connects underserved individual borr...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/09/19 22:15 |
| End of Day Share Price | 2021/09/17 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.