FinVolution Group Balance Sheet Health
Financial Health criteria checks 5/6
FinVolution Group has a total shareholder equity of CN¥16.8B and total debt of CN¥1.3B, which brings its debt-to-equity ratio to 7.6%. Its total assets and total liabilities are CN¥25.4B and CN¥8.6B respectively. FinVolution Group's EBIT is CN¥6.4B making its interest coverage ratio 331.8. It has cash and short-term investments of CN¥7.3B.
Key information
7.59%
Debt to equity ratio
CN¥1.28b
Debt
| Interest coverage ratio | 331.8x |
| Cash | CN¥7.30b |
| Equity | CN¥16.84b |
| Total liabilities | CN¥8.57b |
| Total assets | CN¥25.41b |
Recent financial health updates
No updates
Recent updates
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).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.FinVolution: Staying Cautious, Even After Continued Pullback
Jan 05FINV: 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
Oct 30
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)
Mar 31Investors Still Aren't Entirely Convinced By FinVolution Group's (NYSE:FINV) Earnings Despite 27% Price Jump
Mar 28FinVolution Group (NYSE:FINV) Is Increasing Its Dividend To CN¥0.257
Mar 27FinVolution Group (NYSE:FINV) Analysts Are Pretty Bullish On The Stock After Recent Results
Mar 20Many Still Looking Away From FinVolution Group (NYSE:FINV)
Feb 08FinVolution: Big Data, Proven FCF Growth, And Substantial Undervaluation
Dec 13FinVolution: Strong Growth Trajectory Ahead Through LE-GO Strategy
Nov 22
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.FinVolution Group (NYSE:FINV) Soars 29% But It's A Story Of Risk Vs Reward
Oct 03FinVolution: Market Diversity And Risk Management Are Major Competitive Advantages
Sep 19Investors Holding Back On FinVolution Group (NYSE:FINV)
Jul 05FinVolution: Appealing Shareholder Yield Is Overshadowed By Downside Risks
Jun 18FinVolution Q4 2023: Striking A Balance Between Growth And Shareholder Returns
Apr 01FinVolution Group (NYSE:FINV) Has Announced That It Will Be Increasing Its Dividend To CN¥0.217
Mar 22Earnings Update: FinVolution Group (NYSE:FINV) Just Reported Its Yearly Results And Analysts Are Updating Their Forecasts
Mar 21FinVolution Remains A Long-Term Bullish Play
Feb 08FinVolution: Mixed Read-Throughs From Recent Results
Nov 23FinVolution: Eyes On Foreign Expansion And Capital Allocation
Sep 15FinVolution: Dividend Trends By The Numbers
Jul 06FinVolution's Low-Key Overseas Expansion Pays Dividends
May 24Things To Know About FinVolution Before It Breaks Out (Technical Analysis)
Jan 02FinVolution Group: Looks Like Momentum Is In Its Favor
Dec 23Financial Position Analysis
Short Term Liabilities: FINV's short term assets (CN¥20.2B) exceed its short term liabilities (CN¥2.2B).
Long Term Liabilities: FINV's short term assets (CN¥20.2B) exceed its long term liabilities (CN¥6.4B).
Debt to Equity History and Analysis
Debt Level: FINV has more cash than its total debt.
Reducing Debt: FINV's debt to equity ratio has increased from 0% to 7.6% over the past 5 years.
Debt Coverage: FINV's debt is well covered by operating cash flow (146%).
Interest Coverage: FINV's interest payments on its debt are well covered by EBIT (331.8x coverage).
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/01 04:53 |
| End of Day Share Price | 2026/05/01 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
FinVolution Group is covered by 12 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Qingqing Mao | China International Capital Corporation Limited |
| Dongping Zhou | China International Capital Corporation Limited |
| Yun-Yin Wang | China Renaissance Securities |