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Finvolution Group (FINV)
:FINV
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FinVolution Group
(NYSE:FINV)
Select Model
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Rating:71Outperform
Price Target:
$6.00
▲(19.05% Upside)
FinVolution Group's strong financial performance and attractive valuation are key strengths, but bearish technical indicators and regulatory challenges in China present risks. The company's international growth and technological advancements provide a positive outlook, though tempered by increased delinquency rates.
Positive Factors
International Business Expansion
The significant growth in international markets, now contributing 25% of total revenue, indicates successful geographic diversification and potential for sustained growth.
Technological Advancements
Continued investment in AI and technology enhances operational efficiency and customer satisfaction, strengthening competitive advantage.
Strong Financial Health
A low debt-to-equity ratio indicates minimal leverage risk, providing financial stability and flexibility for future investments.
Negative Factors
Regulatory Challenges in China
Regulatory changes in China may impact revenue and risk metrics, posing a challenge to domestic operations and requiring strategic adjustments.
Increased Delinquency Rates
Rising delinquency rates could affect loan performance and profitability, necessitating enhanced risk management strategies.
Decline in Free Cash Flow Growth
A decline in free cash flow growth may constrain liquidity and limit the company's ability to fund new initiatives or weather economic downturns.
FinVolution Group (FINV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.25B
Dividend Yield5.31%
Average Volume (3M)1.88M
Price to Earnings (P/E)3.4
Beta (1Y)0.75
Revenue Growth9.32%
EPS Growth29.40%
CountryUS
Employees3,623
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.33
Shares Outstanding140,073,870
10 Day Avg. Volume2,353,505
30 Day Avg. Volume1,878,932
Financial Highlights & Ratios
PEG Ratio0.62
Price to Book (P/B)0.86
Price to Sales (P/S)1.00
P/FCF Ratio4.55
Enterprise Value/Market Cap0.70
Enterprise Value/Revenue0.06
Enterprise Value/Gross Profit0.08
Enterprise Value/Ebitda0.27
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
FinVolution Group Business Overview & Revenue Model
Company DescriptionFinVolution Group (FINV) is a leading technology-driven consumer finance platform in China, specializing in providing online financial services to underserved consumers and small businesses. The company operates primarily in the fintech sector, leveraging advanced data analytics and artificial intelligence to facilitate credit assessments and risk management. FinVolution offers a range of products, including personal loans, small business loans, and credit products tailored to meet the diverse needs of its clients.
How the Company Makes MoneyFinVolution generates revenue primarily through interest income from the loans it issues to consumers and small businesses. The company's revenue model is built on charging interest on these loans, as well as fees associated with loan origination and processing. Additionally, FinVolution may earn income from partnerships with financial institutions and other service providers, including referral fees for directing clients to partner services. The use of technology and data analytics allows FinVolution to optimize its lending processes and manage risk effectively, contributing to its profitability.
FinVolution Group Earnings Call Summary
Earnings Call Date:Nov 19, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Mar 23, 2026
Earnings Call Sentiment Neutral
The earnings call highlighted notable growth in international markets and technological advancements, but was tempered by challenges in the Chinese regulatory landscape and increased delinquency rates.Q3-2025 Updates
Positive Updates
Revenue Growth
Total revenue grew 6.4% year-over-year to RMB 3.5 billion, with net profit up 2.7% year-over-year to RMB 641 million.
International Business Expansion
International business transaction volume increased by 33% year-over-year, and revenue rose by 37% year-over-year. It now represents 25% of total revenue compared to 19% a year earlier.
Operational Strength in Southeast Asia
In Indonesia, transaction volume increased 14% year-over-year, and loan balance was up 21%. In the Philippines, transaction volume increased by 86% year-over-year with loan balances up 101%.
Technological Advancements and Partnerships
Hosted the annual FinVolution Global Data Science Competition and leveraged AI for customer service improvements, completing over 1 million service interactions.
Negative Updates
Regulatory Challenges in China
New consumer finance regulation framework took effect, introducing transitional effects and potential short-term uncertainties over volume, revenue, and risk metrics.
Increased Delinquency Rates
Day 1 delinquency rate increased by 30 basis points quarter-over-quarter to 5%, and the 30-day loan collection rate softened to 88%.
Sequential Decline in Net Income
Net income decreased by 14.7% sequentially, partially due to one-off government subsidies in Q2.
Company Guidance
During the third quarter of 2025, FinVolution Group achieved a total revenue of RMB 3.5 billion, marking a 6.4% year-over-year increase, while net profit rose by 2.7% to RMB 641 million. The company's international business was particularly robust, with transaction volume up by 33% and revenue increasing by 37% year-over-year, contributing a record 25% of total revenue compared to 19% the previous year. The borrower base expanded to 10 million, with new borrowers increasing by 18% sequentially, and the international segment surpassing China's new borrower count for six consecutive quarters. In Indonesia, transaction volume grew by 14% to RMB 2.1 billion, and loan balance increased by 21% year-over-year. Meanwhile, the Philippines saw transaction volume rise by 86% to RMB 1.6 billion, despite seasonal challenges. The company anticipates short-term uncertainties due to new consumer finance regulations in China, yet remains confident in its long-term strategy, projecting full-year 2025 revenue to range between RMB 13.1 billion and RMB 13.7 billion, reflecting a potential growth of 0% to 5%.FinVolution Group Financial Statement Overview
Summary
FinVolution Group demonstrates strong profitability with high margins and a robust balance sheet with minimal leverage. However, the decline in free cash flow growth is a concern, slightly offsetting the overall financial health.Income Statement
FinVolution Group demonstrates strong profitability with a high gross profit margin of 80.14% and a solid net profit margin of 19.99% for TTM. Revenue growth is modest at 1.53% TTM, indicating stability but limited expansion. EBIT and EBITDA margins are healthy, reflecting efficient operations.85
Very Positive
Balance Sheet
The company maintains a strong balance sheet with a low debt-to-equity ratio of 0.07, indicating minimal leverage. Return on equity is robust at 17.81%, showcasing effective use of equity to generate profits. The equity ratio is solid, reflecting a strong capital structure.90
Very Positive
Cash Flow
Cash flow analysis shows a decline in free cash flow growth by 31.72% TTM, which could be a concern. However, the operating cash flow to net income ratio is reasonable at 0.33, and free cash flow to net income ratio is high at 97.58%, indicating efficient cash conversion.70
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 14.00B | 13.07B | 12.60B | 11.28B | 9.54B | 7.56B |
| Gross Profit | 11.22B | 10.36B | 9.90B | 9.10B | 7.63B | 6.24B |
| EBITDA | 3.29B | 2.62B | 2.45B | 2.58B | 2.68B | 2.40B |
| Net Income | 2.80B | 2.38B | 2.34B | 2.27B | 2.51B | 1.97B |
Balance Sheet | ||||||
| Total Assets | 26.29B | 23.61B | 21.29B | 21.38B | 18.14B | 14.88B |
| Cash, Cash Equivalents and Short-Term Investments | 7.04B | 7.51B | 7.93B | 7.06B | 5.62B | 4.60B |
| Total Debt | 1.15B | 34.36M | 41.63M | 176.99M | 33.36M | 43.30M |
| Total Liabilities | 9.58B | 8.05B | 7.42B | 8.94B | 7.43B | 6.45B |
| Stockholders Equity | 16.40B | 15.20B | 13.75B | 12.37B | 10.66B | 8.36B |
Cash Flow | ||||||
| Free Cash Flow | 1.52B | 2.87B | 875.33M | 216.06M | 574.96M | 2.17B |
| Operating Cash Flow | 1.56B | 2.89B | 1.41B | 268.83M | 630.23M | 2.21B |
| Investing Cash Flow | -2.60B | -2.30B | 1.41B | -1.55B | 1.99B | 1.04B |
| Financing Cash Flow | 738.11M | -622.72M | -2.56B | -795.86M | -239.80M | -3.09B |
FinVolution Group Technical Analysis
Negative
5.04
Price Trends
6.00
Negative
7.18
Negative
7.99
Negative
Market Momentum
-0.25
Negative
43.12
Neutral
45.90
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FINV, the sentiment is Negative. The current price of 5.04 is below the 20-day moving average (MA) of 5.27, below the 50-day MA of 6.00, and below the 200-day MA of 7.99, indicating a bearish trend. The MACD of -0.25 indicates Negative momentum. The RSI at 43.12 is Neutral, neither overbought nor oversold. The STOCH value of 45.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FINV.
FinVolution Group Risk Analysis
FinVolution Group disclosed 91 risk factors in its most recent earnings report. FinVolution Group reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 3 New Risks
1.
We bear credit risks for a substantial majority of the loans funded by institutional funding partners to borrowers we introduced. If we fail to effectively manage credit risk of our loans and our overdue loans increase, our business, financial condition and results of operations may be materially adversely affected. Q4, 2023
2.
We face indirect technology, cybersecurity and operational risks relating to third parties. Q4, 2023
3.
We face uncertainties with respect to the implementation of the Foreign Investment Law of the PRC and how it may impact the viability of our current corporate structure, corporate governance and business operations. Q4, 2023
FinVolution Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $1.25B | 3.36 | 17.76% | 5.31% | 9.32% | 29.40% | |
70 Outperform | $376.73M | 2.18 | 12.53% | 9.68% | 10.48% | -30.67% | |
69 Neutral | $551.90M | 2.34 | 15.85% | 9.35% | -3.62% | 131.69% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $655.55M | 5.92 | 6.75% | ― | -62.48% | 1441.74% | |
52 Neutral | $2.43B | ― | ― | ― | ― | ― | |
45 Neutral | $878.07M | -3.36 | -79.90% | ― | 510.69% | -145.92% |
* Financial Sector Average
FINV
FinVolution Group
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FinVolution Group Corporate Events
FinVolution Group’s Q3 2025 Financial Results Show Strong International Growth
Nov 20, 2025
FinVolution Group reported its unaudited financial results for the third quarter of 2025, showing a 6.4% year-over-year increase in revenue to RMB3,486.6 million. The company’s international revenues grew significantly by 37.4%, accounting for 25% of the total net revenues. Despite a slight decline in total transaction volume in China’s mainland, the international market saw a substantial increase in transaction volume and outstanding loan balance. The company’s net profit also saw a modest increase, reflecting its expanding footprint in international markets.
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.