FinVolution Group

NYSE:FINV Stock Report

Market Cap: US$1.6b

FinVolution Group Valuation

Is FINV undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of FINV when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: FINV ($6.18) is trading below our estimate of fair value ($19.23)

Significantly Below Fair Value: FINV is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for FINV?

Key metric: As FINV is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for FINV. This is calculated by dividing FINV's market cap by their current earnings.
What is FINV's PE Ratio?
PE Ratio5.2x
EarningsCN¥2.23b
Market CapCN¥11.64b

Price to Earnings Ratio vs Peers

How does FINV's PE Ratio compare to its peers?

The above table shows the PE ratio for FINV vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average22.7x
LC LendingClub
36.3x52.7%US$1.9b
PRG PROG Holdings
12.4x-0.2%US$2.0b
ENVA Enova International
15.2x23.9%US$2.7b
DAVE Dave
26.7x2.3%US$1.1b
FINV FinVolution Group
5.2x11.7%US$1.6b

Price-To-Earnings vs Peers: FINV is good value based on its Price-To-Earnings Ratio (5.2x) compared to the peer average (22.7x).

Price to Earnings Ratio vs Industry

How does FINV's PE Ratio compare vs other companies in the US Consumer Finance Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
YRD Yiren Digital
1.7xn/aUS$421.63m
XYF X Financial
1.7xn/aUS$311.46m
JFIN Jiayin Group
2xn/aUS$311.30m
No more companies available in this PE range
FINV 5.2xIndustry Avg. 12.4xNo. of Companies4PE0816243240+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: FINV is good value based on its Price-To-Earnings Ratio (5.2x) compared to the US Consumer Finance industry average (12.4x).

Price to Earnings Ratio vs Fair Ratio

What is FINV's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

FINV PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.2x
Fair PE Ratio14.7x

Price-To-Earnings vs Fair Ratio: FINV is good value based on its Price-To-Earnings Ratio (5.2x) compared to the estimated Fair Price-To-Earnings Ratio (14.7x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst FINV forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$6.18
US$7.09
+14.8%
11.5%US$8.40US$6.00n/a7
Nov ’25US$5.94
US$6.71
+13.0%
8.8%US$7.55US$5.79n/a7
Oct ’25US$6.37
US$6.71
+5.4%
8.8%US$7.55US$5.79n/a7
Sep ’25US$5.30
US$6.65
+25.5%
9.5%US$7.51US$5.76n/a6
Aug ’25US$5.38
US$6.30
+17.0%
9.6%US$7.19US$5.28n/a7
Jul ’25US$4.80
US$6.27
+30.5%
9.1%US$7.19US$5.27n/a8
Jun ’25US$4.78
US$6.27
+31.1%
9.1%US$7.19US$5.27n/a8
May ’25US$4.87
US$6.23
+27.9%
9.3%US$7.16US$5.27n/a8
Apr ’25US$5.09
US$6.26
+23.0%
9.3%US$7.20US$5.30n/a8
Mar ’25US$5.39
US$6.39
+18.6%
9.5%US$7.33US$5.41n/a8
Feb ’25US$4.83
US$6.39
+32.3%
9.5%US$7.33US$5.41n/a8
Jan ’25US$4.90
US$6.44
+31.5%
9.5%US$7.36US$5.44n/a8
Dec ’24US$4.46
US$6.50
+45.7%
9.7%US$7.35US$5.43n/a7
Nov ’24US$4.79
US$6.61
+38.0%
7.0%US$7.19US$5.99US$5.947
Oct ’24US$4.98
US$6.61
+32.8%
7.0%US$7.19US$5.99US$6.377
Sep ’24US$5.12
US$6.63
+29.4%
6.6%US$7.22US$6.02US$5.308
Aug ’24US$5.94
US$5.97
+0.6%
11.0%US$6.68US$4.60US$5.388
Jul ’24US$4.60
US$5.90
+28.2%
11.1%US$6.60US$4.70US$4.806
Jun ’24US$4.01
US$5.90
+47.1%
11.1%US$6.60US$4.70US$4.786
May ’24US$4.03
US$6.10
+51.2%
8.4%US$6.72US$5.09US$4.876
Apr ’24US$4.17
US$6.10
+46.2%
8.4%US$6.72US$5.09US$5.096
Mar ’24US$5.15
US$6.70
+30.1%
7.5%US$7.23US$5.72US$5.396
Feb ’24US$5.77
US$6.69
+15.9%
7.6%US$7.22US$5.71US$4.836
Jan ’24US$4.96
US$6.26
+26.1%
7.2%US$6.87US$5.67US$4.906
Dec ’23US$4.70
US$6.26
+33.1%
7.2%US$6.87US$5.67US$4.466
Nov ’23US$4.44
US$5.71
+28.6%
8.1%US$6.20US$4.92US$4.796

Analyst Forecast: Target price is less than 20% higher than the current share price.

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