Valuation
Is the price right?Insufficient data
Insufficient data: 1 of 2 inputs reported (at least 2 needed). We leave it blank rather than fill the gap with a made-up middle value.
Bringing the fundamentals into focus…
FINV Financial ServicesBeta data
FinVolution Group
$2.90-1.36%
Price as of close on Nov 3, 2026 · Financials updated Oct 1, 2026
Basics
- Sector
- Financial Services
- Industry
- Credit Services
- Country
- China
- Market cap
- 684.7M USD
- Full-time employees
- 3,869
Growth
Is it growing?37/100
Weak
3/3 inputs reported · High confidence
Since last year: ▲ Stronger
- 12-month revenue up 3.9%
Why
Compare with peers Close to the peer norm on every measure.
Behind the score
Revenue and earnings-per-share growth over one year, and revenue growth over three years.
Earnings per share growth6.1%
Yahoo Finance · fiscal year to Dec 2025Reported value33% base weight · Z-score -0.14Sector median: 0.0999 · MAD: 0.27733-year revenue growth6.8%
SEC filings · 3 years to Dec 2025Reported value33% base weight · Z-score -0.37Sector median: 0.0999 · MAD: 0.0858Revenue growth3.9%
SEC filings · 12 months to Dec 2025Reported value33% base weight · Z-score -0.24Sector median: 0.0742 · MAD: 0.1477Profitability
Does it earn well?81/100
Strong
3/3 inputs reported · High confidence
Since last year: No major change
Why
Compare with peers Stronger than most peers on:
- ▲ ROA
- ▲ ROIC
Behind the score
Return on invested capital, operating margin, and return on assets.
Operating margin21.5%
SEC filings · 12 months to Dec 2025Reported value33% base weight · Z-score -0.14Sector median: 0.2353 · MAD: 0.1462Return on assets10.0%
SEC filings · 12 months to Dec 2025Reported value33% base weight · Z-score 3.20Sector median: 0.0256 · MAD: 0.0233Return on invested capital18.4%
SEC filings · 12 months to Dec 2025Reported value33% base weight · Z-score 2.34Sector median: 0.0630 · MAD: 0.0518Other data (not scored)
Gross marginUnavailable
Missing · left out of the scoreInformational · 0% composite weightSector median: 0.7878 · MAD: 0.2122Return on equity11.6%
Yahoo Finance · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.0939 · MAD: 0.0702Risk
Debt, liquidity, price swingsLower
Lower relative risk
3/3 inputs reported · High confidence
Since last year: No major change
Why it changed since the Oct 27, 2026 close: Safety percentile 87 → 86
- Peer companies moved-1
Why
Compare with peers Stronger than most peers on:
- ▲ Beta
- ▲ Current ratio
- ▲ Debt / equity
Behind the score
Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.
Beta0.39
Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score 1.00Sector median: 0.7010 · MAD: 0.3115Current ratio7.50×
Yahoo FinanceReported value33% base weight · Z-score 4.39Sector median: 2.0250 · MAD: 1.2470Debt / equity0.09×
Yahoo FinanceReported value33% base weight · Z-score 0.88Sector median: 0.5734 · MAD: 0.5454Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.
Questions investors ask about FinVolution
- Is FinVolution getting weaker?
- Its latest SEC filing (Apr 29, 2026) showed no major changes. Its overall score is unchanged at 68/100 since Oct 28, 2026.
- How is FinVolution valued vs its peers?
- Insufficient data: 1 of 2 inputs reported (at least 2 needed).
- Is FinVolution growing?
- More slowly than most of its peers. Growth scores 37/100 against 432 financial services peers.
- How profitable is FinVolution?
- More profitable than most of its peers. Profitability scores 81/100 against 432 financial services peers. Return on assets 10.0% vs a peer median of 2.6% (stronger than 87% of peers).Return on assets 10.0% vs peers 2.6% (stronger than 87% of peers).
- How risky is FinVolution?
- Lower risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Beta 0.39 vs a peer median of 0.70 (stronger than 80% of peers).Beta 0.39 vs peers 0.70 (stronger than 80% of peers). A relative measure, not a bankruptcy probability.
Latest filing: what changed
Year ended Dec 31, 2025 · filed Apr 29, 2026 · compared with the year ended Dec 31, 2024No major changes
| Previous year | Latest year | Change | |
|---|---|---|---|
| Revenue (12 months) | 13.1B CNY | 13.6B CNY | +3.9% |
| Net income (12 months) | 2.4B CNY | 2.5B CNY | +6.7% |
| Operating margin | 19.6% | 21.5% | +2.0 pts |
| Free cash flow (12 months) | 2.9B CNY | 1.8B CNY | −37.8% |
| Cash | 4.7B CNY | 4.3B CNY | −8.3% |
From the company’s own SEC filings, as filed. Twelve-month figures roll forward one year at a time.
Financials
Fiscal years from SEC annual filings · change vs the prior year · amounts in CNY, as reported| Key ratios | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | Change |
|---|---|---|---|---|---|---|
| Operating margin | 27.6% | 23.9% | 19.4% | 19.6% | 21.5% | ▲ 2.0 pts |
| Net margin | 26.5% | 20.4% | 18.7% | 18.2% | 18.7% | ▲ 0.5 pts |
| Return on assets (ROA) | 13.8% | 10.6% | 11.0% | 10.1% | 10.0% | ▼ 0.1 pts |
| Return on equity (ROE) | 23.5% | 18.3% | 17.0% | 15.7% | 15.4% | ▼ 0.3 pts |
| Debt to equity | — | 0.00× | 0.00× | 0.00× | 0.02× | ▲ >999% |
| Interest coverage | 35.39× | 18.19× | 45.88× | 131.89× | 102.62× | ▼ 22% |
FINV price history
Price history is added with the daily price update and will appear after the next one.