Stock Analysis

FinVolution Group Full Year 2022 Earnings: EPS Misses Expectations

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FinVolution Group (NYSE:FINV) Full Year 2022 Results

Key Financial Results

  • Revenue: CN¥11.1b (up 17% from FY 2021).
  • Net income: CN¥2.27b (down 9.7% from FY 2021).
  • Profit margin: 20% (down from 26% in FY 2021). The decrease in margin was driven by higher expenses.
  • EPS: CN¥8.02 (down from CN¥8.83 in FY 2021).
NYSE:FINV Earnings and Revenue History March 16th 2023

All figures shown in the chart above are for the trailing 12 month (TTM) period

FinVolution Group EPS Misses Expectations

Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 2.5%.

Looking ahead, revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in the US.

Performance of the American Consumer Finance industry.

The company's shares are down 18% from a week ago.

Risk Analysis

Before we wrap up, we've discovered 2 warning signs for FinVolution Group (1 is significant!) that you should be aware of.

What are the risks and opportunities for FinVolution Group?

FinVolution Group operates a fintech platform that connects underserved individual borrowers with financial institutions in the People’s Republic of China.

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  • Trading at 81.7% below our estimate of its fair value

  • Earnings are forecast to grow 13.14% per year


  • High level of non-cash earnings

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