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FinVolution Group logo

FinVolution Group

FINV

NYSEFinancial ServicesFinancial - Credit Services

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Previous close

$4.35

−$0.05 · -1.14%

Aug 21, 4:00 PM ET

FINV company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

81

Deep Value

Momentum

30

Weakening

Sentiment

42

Mixed

Risk resilience

42

Elevated Risk

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Company profile

Company website

FinVolution Group manages a digital financial platform within China that specializes in connecting individual borrowers, who may be underserved by traditional lenders, with various financial institutions. Its core focus lies in the online consumer finance sector. Leveraging its proprietary technological innovations, the platform offers an automated loan transaction process, which significantly enhances the user experience. By March 31, 2022, FinVolution Group had accumulated a substantial user base of approximately 145.3 million registered individuals. Established in 2007, the company, originally known as PPDAI Group Inc., rebranded as FinVolution Group in November 2019. It maintains its headquarters in Shanghai, People's Republic of China.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
CN
CEO
Tiezheng Li
Listed since
Nov 9, 2017
Employees
3,869

Market position

Day range

Current $4.35

52-week range

Current $4.35

Open
$4.37
Previous close
$4.40
Volume
557.18K
0.72× average
Average volume
777.04K
Average daily volume
Market cap
1.08B USD
Beta
0.38
Market reference 1
50-day average
$4.7352
-8.13% below average
200-day average
$5.0995
-14.70% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
4.34B CNY
P/E (TTM)
3.32×
P/B (TTM)
0.43×
P/S (TTM)
0.55×
EV / EBITDA
1.4×
Earnings yield
26.84%
Free cash flow yield
19.25%
Dividend yield
7.03%

Profitability & efficiency

Gross margin
77.14%
Operating margin
19.26%
Net margin
16.64%
Return on equity
14.93%
Return on assets
9.73%
Return on invested capital
9.30%

Financial health

Debt / equity
0.08×
Current ratio
73.69×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends89%63%38%12%Gross margin, FY2021: 79.93%Gross margin, FY2022: 80.63%Gross margin, FY2023: 82.82%Gross margin, FY2024: 79.32%Gross margin, FY2025: 78.63%Operating margin, FY2021: 27.39%Operating margin, FY2022: 22.30%Operating margin, FY2023: 18.92%Operating margin, FY2024: 19.40%Operating margin, FY2025: 21.84%Net margin, FY2021: 26.29%Net margin, FY2022: 20.09%Net margin, FY2023: 18.58%Net margin, FY2024: 18.24%Net margin, FY2025: 18.74%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 79.93%. Gross margin FY2022 80.63%. Gross margin FY2023 82.82%. Gross margin FY2024 79.32%. Gross margin FY2025 78.63%. Operating margin FY2021 27.39%. Operating margin FY2022 22.30%. Operating margin FY2023 18.92%. Operating margin FY2024 19.40%. Operating margin FY2025 21.84%. Net margin FY2021 26.29%. Net margin FY2022 20.09%. Net margin FY2023 18.58%. Net margin FY2024 18.24%. Net margin FY2025 18.74%.

Income trends

Revenue

13.2B CNY+1.03%

Operating income

2.88B CNY+13.73%

Net income

2.47B CNY+3.78%
Income trends across reported periods14.29B CNY9.92B CNY5.55B CNY1.17B CNYRevenue, FY2021: 9.54B CNYRevenue, FY2022: 11.28B CNYRevenue, FY2023: 12.6B CNYRevenue, FY2024: 13.07B CNYRevenue, FY2025: 13.2B CNYOperating income, FY2021: 2.61B CNYOperating income, FY2022: 2.52B CNYOperating income, FY2023: 2.38B CNYOperating income, FY2024: 2.54B CNYOperating income, FY2025: 2.88B CNYNet income, FY2021: 2.51B CNYNet income, FY2022: 2.27B CNYNet income, FY2023: 2.34B CNYNet income, FY2024: 2.38B CNYNet income, FY2025: 2.47B CNYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 9.54B CNY. Revenue FY2022 11.28B CNY. Revenue FY2023 12.6B CNY. Revenue FY2024 13.07B CNY. Revenue FY2025 13.2B CNY. Operating income FY2021 2.61B CNY. Operating income FY2022 2.52B CNY. Operating income FY2023 2.38B CNY. Operating income FY2024 2.54B CNY. Operating income FY2025 2.88B CNY. Net income FY2021 2.51B CNY. Net income FY2022 2.27B CNY. Net income FY2023 2.34B CNY. Net income FY2024 2.38B CNY. Net income FY2025 2.47B CNY.
Metric (CNY)FY2025FY2024FY2023FY2022FY2021
Revenue13.2B CNY13.07B CNY12.6B CNY11.28B CNY9.54B CNY
Cost of goods sold2.82B CNY2.7B CNY2.16B CNY2.18B CNY1.92B CNY
Gross profit10.38B CNY10.36B CNY10.44B CNY9.1B CNY7.63B CNY
Research and development—496.74M CNY510.99M CNY491.48M CNY434.85M CNY
Selling, general, and administrative—2.43B CNY2.28B CNY2.09B CNY2.1B CNY
Operating expenses7.5B CNY7.83B CNY8.05B CNY6.58B CNY5.01B CNY
Interest income1.3B CNY————
Depreciation and amortization88.86M CNY86.25M CNY69.09M CNY65.01M CNY69.23M CNY
Operating income2.88B CNY2.54B CNY2.38B CNY2.52B CNY2.61B CNY
Net income2.47B CNY2.38B CNY2.34B CNY2.27B CNY2.51B CNY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
67%
2 beats, 1 miss, 0 met estimates
Average EPS surprise
+4.87%
3 comparable reports
Latest EPS result
0.26
Estimate 0.23 · Beat by 11.44%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.450.370.280.2Q3 '24No estimateQ4 '24No estimateQ1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25MissQ1 '26BeatQ2 '26Beat
Q3 2024, reported Aug 20, 2024: actual 0.3, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Nov 18, 2024: actual 0.36, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 17, 2025: actual 0.38, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 20, 2025: actual 0.41, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 20, 2025: actual 0.41, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 19, 2025: actual 0.34, estimate 0.36, surprise -5.42%, Miss. Q1 2026, reported Mar 16, 2026: actual 0.25, estimate 0.23, surprise +8.60%, Beat. Q2 2026, reported May 25, 2026: actual 0.26, estimate 0.233, surprise +11.44%, Beat.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates530.59M491.02M451.45M411.89MQ4 '24No estimateQ1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26Estimate
Q4 2024, reported Nov 18, 2024: actual 466.87M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 17, 2025: actual 473.43M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 20, 2025: actual 478.09M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 20, 2025: actual 498.95M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 19, 2025: actual 489.69M USD, estimate 510.18M USD, surprise -4.02%, Miss. Q1 2026, reported Mar 16, 2026: actual 432.29M USD, estimate 440.03M USD, surprise -1.76%, Miss. Q2 2026, reported May 25, 2026: actual 465.23M USD, estimate 438.7M USD, surprise +6.05%, Beat. Q3 2026, reported Aug 27, 2026: actual —, estimate 470.06M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$5.94

36.55% upside
Past 12 months12-month forecastHigh $6.20Average $5.94Low $5.68

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.277

2025 complete year+62.9% since 2021

2026 partial: $0.306

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Apr 16, 2026

$0.306

Annual

Record Apr 16, 2026 · Payment May 7, 2026

Dividend

Ex-dividend Apr 16, 2025

$0.277

Annual

Record Apr 16, 2025 · Payment May 7, 2025

Dividend

Ex-dividend Apr 15, 2024

$0.237

Annual

Record Apr 16, 2024 · Payment May 7, 2024

Dividend

Ex-dividend Apr 12, 2023

$0.215

Annual

Record Apr 13, 2023 · Payment May 5, 2023

Dividend

Ex-dividend Apr 12, 2022

$0.185

Annual

Record Apr 13, 2022 · Payment May 6, 2022

Dividend

Ex-dividend Apr 6, 2021

$0.17

Annual

Record Apr 7, 2021 · Payment Apr 30, 2021

FINV peers

Berkshire Hathaway Inc. logo

BRK-B

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$495.82

-0.21%

Berkshire Hathaway Inc. logo

BRK-A

Berkshire Hathaway Inc.

$743,500

-0.15%

JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

$351.58

+0.01%

Visa Inc. logo

V

Visa Inc.

$371.04

+1.45%

Mastercard Incorporated logo

MA

Mastercard Incorporated

$580.63

+1.18%

Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding FINV

Funds reporting this stock among their holdings, ordered by reported position size.

Invesco International Dividend Achievers ETF logoInvesco International Dividend Achievers ETFPID
Market value
25.69M
Weight
2.80%
AUM
923.14M USD
Expense ratio
0.53%
Price / 1D
$23.1266+0.59%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
6.99M
Weight
0.00%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Vanguard FTSE Emerging Markets ETF logoVanguard FTSE Emerging Markets ETFVWO
Market value
6.82M
Weight
0.00%
AUM
162.3B USD
Expense ratio
0.06%
Price / 1D
$60.45+0.72%
iShares Core MSCI Emerging Markets ETF logoiShares Core MSCI Emerging Markets ETFIEMG
Market value
5.96M
Weight
0.00%
AUM
160B USD
Expense ratio
0.09%
Price / 1D
$81.57+0.64%
Avantis Emerging Markets Equity ETF logoAvantis Emerging Markets Equity ETFAVEM
Market value
4.8M
Weight
0.02%
AUM
27.89B USD
Expense ratio
0.33%
Price / 1D
$94.24+0.75%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
1.7M
Weight
0.01%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$160.06+0.43%
State Street SPDR S&P Kensho New Economies Composite ETF logoState Street SPDR S&P Kensho New Economies Composite ETFKOMP
Market value
1.17M
Weight
0.04%
AUM
2.71B USD
Expense ratio
0.20%
Price / 1D
$69.24+0.92%
Invesco Golden Dragon China ETF logoInvesco Golden Dragon China ETFPGJ
Market value
519.97K
Weight
0.56%
AUM
92.77M USD
Expense ratio
0.70%
Price / 1D
$24.32+0.25%

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