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FinVolution Group

FINV

$2.90 ▼ -0.13 (-4.29%) at close

10 Visible periods

25 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

FinVolution Group shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $3.7B

Dividend Yield —

Revenue Growth 8.4% ↗

Op. Margin —

ROIC —

FCF / Share $0.20 ↘

Trailing P/E 10.0x

Price / Book 1.5x

FCF Yield 7.0%

Debt / Equity 0.02

info Valuation on last close. End-of-day price, Nov 5, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.94B

↑ +8.4% —

Net Income Profit after all expenses

$363.56M

↑ +11.4% —

FCF / Share Free cash flow per share

$0.20

↓ -33.6% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↓

Financial Health ↑

Cash Quality ↑

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
Revenue Growth YoY (%)	8.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+40%)	1.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-79%)	9.5% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+58%)	8.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+44%)	28.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+370%)	35.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+489%)	37.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+522%)	4.1% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	—	—
EPS Growth YoY (%)	16.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	4.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	4.3% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-17.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	40.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-10.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-6.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	11.4% Fair ↑ Fair Improving Year-over-year change in net income	-1.0% Weak ↓ Weak Declining Year-over-year change in net income	0.3% Caution ↓ Caution Declining Year-over-year change in net income	-16.5% Weak ↓ Weak Declining Year-over-year change in net income	30.2% Excellent ↓ Excellent Declining Year-over-year change in net income	-11.3% Weak ↓ Weak Declining Year-over-year change in net income	-5.1% Weak Weak Year-over-year change in net income	115.7% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	-33.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	239.9% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	304.4% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-65.1% Weak Weak Year-over-year change in free cash flow	-72.1% Weak Weak Year-over-year change in free cash flow	N/M	N/M	—	—	—
Revenue CAGR 3Y (%)	6.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	15.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	23.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	33.6% Excellent Excellent Compound annual revenue growth over 3 years	24.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	15.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	23.2% Excellent Excellent Compound annual revenue growth over 5 years	21.9% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	8.0% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-3.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	1.0% Caution Caution Compound annual EPS growth over 3 years	5.3% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
Effective Tax Rate (%) (%)	17.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.2% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.8% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	18.7% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	18.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	18.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	20.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	26.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	26.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	39.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	57.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+162%)	27.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	—
FCF Margin (%) (%)	13.1% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	21.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	7.0% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	1.9% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	6.1% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	29.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	-4.4% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	42.0% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—
FCF / Net Income (x)	0.70x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	1.20x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	0.37x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.10x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.23x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.11x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	-0.11x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	0.73x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	—	—

🎯 Is capital allocation efficient? 1 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
Return on Common Equity (%) (%)	15.4% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+28%)	15.7% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+31%)	17.0% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+42%)	18.3% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+53%)	23.5% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+96%)	23.6% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+97%)	29.9% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+149%)	41.7% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+247%)	29.9% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+149%)	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
Debt to Equity (x)	0.02x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	0.03x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—
Net Debt (USD)	$-575.59M	$-639.40M	$-699.10M	$-527.23M	$-693.30M	$-403.40M	$-300.14M	$-231.43M	$-290.66M	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
Revenue per Share (USD)	$1.54	$1.39	$1.29	$1.14	$1.05	$0.78	$0.56	$0.42	—	—
Basic EPS, GAAP (USD)	$0.29	$0.25	$0.24	$0.23	$0.28	$0.20	$0.22	$0.24	—	—
Free Cash Flow per Share (USD)	$0.20	$0.30	$0.09	$0.02	$0.06	$0.23	$-0.02	$0.17	—	—
Book Value per Share (USD)	$1.88	$1.62	$1.41	$1.27	$1.18	$0.87	$0.75	$0.57	—	—
Tangible Book Value per Share (USD)	$1.84	$1.60	$1.39	$1.25	$1.16	$0.85	$0.74	$0.56	—	—
Basic Weighted Avg Shares (shares)	1.26B	1.29B	1.37B	1.41B	1.42B	1.48B	1.53B	1.50B	—	665.00M

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
LT Debt (USD)	$12.81M	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$2.37B	$2.08B	$1.94B	$1.79B	$1.67B	$1.28B	$1.14B	$861.59M	$556.72M	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
Sales/Revenue/Turnover (USD)	$1.94B	$1.79B	$1.77B	$1.61B	$1.49B	$1.16B	$856.50M	$623.60M	$598.78M	—
Net Income, GAAP (USD)	$363.56M	$326.49M	$329.70M	$328.60M	$393.71M	$302.33M	$340.84M	$359.11M	$166.45M	—
Operating Cash Flow (USD)	$267.06M	$396.36M	$199.08M	$38.98M	$98.90M	$338.22M	$-30.96M	$274.15M	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 10 years · 10 quarters

FinVolution Group

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

Benchmark Lens

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