FINV

BULLISH

$4.81 Live

FinVolution Group · NYSE

Target $7.7 (+60.1%)

$4.5 52W Range $10.9

FINV FinVolution Group - Fundamental Analysis

BULLISH

Console Chart News

FINV Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Credit Services

Current Price Live

$4.81

Analyst Target

$7.7

+60.1% Upside

52W High

$10.9

52W Low

$4.5

Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026

Market cap

$1.19B

P/E

3.41

ROE

15.7%

Profit margin

18.7%

Debt/Equity

0.08

Dividend yield

6.36%

AI Analysis

AI-powered fundamental assessment

Confidence

80%

FINV presents a classic deep-value opportunity, characterized by a stable Piotroski F-Score of 6/9 and an extreme valuation discount. The stock trades significantly below its Graham Number ($17.59) and Intrinsic Value ($9.87), with a P/B of 0.49 and a P/E of 3.41. While YoY revenue and earnings growth are sharply negative, the company maintains an exceptionally strong balance sheet with negligible debt (D/E 0.08) and high liquidity (Current Ratio 9.38). The bullish outlook is driven by the massive margin of safety and a sustainable 6.36% dividend yield.

Key Strengths

Extreme valuation discount (P/E 3.41, P/B 0.49)

Exceptional liquidity with a Current Ratio of 9.38

Very low leverage (Debt/Equity 0.08)

Sustainable dividend profile with a low 20.98% payout ratio

Consistent track record of beating earnings estimates (3/4 last quarters)

Key Risks

Significant YoY earnings contraction (-37.90%)

Negative revenue growth (-13.00%)

Strongly bearish technical trend (0/100)

Lack of recent insider buying activity

Potential sector-specific regulatory or macroeconomic headwinds in credit services

AI Fair Value Estimate

Based on comprehensive analysis

$11.25

+133.9% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Deep Value Play

Key drivers: Massive valuation gap, Fortress balance sheet, Growth decay

Confidence

85%

Value

98/100

Ref P/E 3.41, P/B 0.49, Graham Number $17.59

Positives

P/E of 3.41 is far below sector average
Trading at 51% of book value
Price is well below Graham Number of $17.59

Watchpoints

Market is pricing in continued growth decline

Future

35/100

Ref Growth rates

Positives

Recent Q/Q revenue growth showed a slight recovery (+6.43%)

Watchpoints

YoY Revenue growth -13%
YoY Earnings growth -37.9%

Past

65/100

Ref Historical trends

Positives

Strong history of earnings surprises
Maintained profitability despite volatility

Watchpoints

1-year price performance is down 33.7%

Health

88/100

Ref Piotroski F-Score 6/9, Debt/Equity 0.08

Positives

Piotroski F-Score 6/9 indicates stability
Debt/Equity is nearly zero
Current ratio is extremely high

Watchpoints

Altman Z-Score not provided

Dividend

82/100

Ref Yield 6.36%, Payout 20.98%

Positives

Attractive 6.36% yield
Very low payout ratio (20.98%) suggests high safety

Watchpoints

Dividend growth not specified

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$4.81

Analyst Target

$7.7

Upside/Downside

+60.1%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for FINV and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
FINV FinVolution Group Primary	-10.4%	+51.8%	-33.7%	-26.5%	+7.9%	+0.2%
EOS Eaton Vance Enhanced Equity Income Fund II Peer	+44.6%	+77.0%	+16.6%	-1.1%	+9.2%	+0.8%
AGBK AGI Inc Peer	-30.7%	-30.7%	-30.7%	-30.7%	-9.5%	+2.3%
FMBH First Mid Bancshares, Inc. Peer	+14.0%	+77.1%	+37.0%	+22.6%	+9.3%	+5.5%
CRF Cornerstone Total Return Fund, Inc. Peer	+53.8%	+67.0%	+28.0%	-1.2%	+4.1%	-1.5%

FIN

FinVolution Group

Primary

-10.4%

+51.8%

-33.7%

-26.5%

+7.9%

+0.2%

EOS

Eaton Vance Enhanced Equity Income Fund II

Peer

+44.6%

+77.0%

+16.6%

-1.1%

+9.2%

+0.8%

AGB

AGI Inc

Peer

-30.7%

-9.5%

+2.3%

FMB

First Mid Bancshares, Inc.

Peer

+14.0%

+77.1%

+37.0%

+22.6%

+9.3%

+5.5%

CRF

Cornerstone Total Return Fund, Inc.

Peer

+53.8%

+67.0%

+28.0%

-1.2%

+4.1%

-1.5%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

3.41

3.29

N/A

0.49

0.09

0.02

0.04

$1.19B

Profitability

Profit margins and return metrics

Profit Margin 18.74%

Operating Margin 34.03%

Gross Margin 73.93%

ROE 15.71%

ROA 16.39%

Growth

Revenue and earnings growth rates

Revenue Growth -13.0%

Earnings Growth -37.9%

Q/Q Revenue Growth +6.43%

Q/Q Earnings Growth -37.6%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.08

Low debt

Current Ratio

9.38

Strong

Quick Ratio

4.33

Excellent

Cash/Share

$5.88

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-20

$N/A

2026-03-16

$1.77

+9.9% surprise

2022-03-14

$2.36

+18.0% surprise

2020-08-25

$1.5

+10.1% surprise

Financial Services Sector Comparison

Comparing FINV against 763 companies in the Financial Services sector (133 bullish, 317 neutral, 313 bearish)

P/E Ratio

3.41

This Stock

38.21

Sector Avg

-91.1% (Discount)

Return on Equity (ROE)

15.71%

This Stock

-1.82%

Sector Avg

-962.9% (Below Avg)

Profit Margin

18.74%

This Stock

75.74%

Sector Avg

-75.3% (Weaker)

Debt to Equity

0.08

This Stock

1.42

Sector Avg

-94.5% (Less Debt)

Revenue Growth

-13.0%

This Stock

37.18%

Sector Avg

-135.0% (Slower)

Current Ratio

9.38

This Stock

3.32

Sector Avg

+182.4% (Stronger)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
FINV FinVolution Group	BULLISH	$1.19B	3.41	15.7%	18.7%	$4.81
EOS Eaton Vance Enhanced...	BULLISH	$1.19B	7.46	12.5%	2448.4%	$22.23	Compare
AGBK AGI Inc	NEUTRAL	$1.19B	5.78	36.4%	26.7%	$7.45	Compare
FMBH First Mid Bancshares, Inc.	BULLISH	$1.17B	11.29	10.2%	27.0%	$43.93	Compare
CRF Cornerstone Total Return Fund, Inc.	NEUTRAL	$1.16B	7.01	17.8%	1191.0%	$7.15	Compare

FINV FinVolution Group

BULLISH

Mkt Cap

$1.2B

P/E

3.4

ROE

15.7%

Price

$4.81

Compare with FINV

Compare with FINV

Compare with FINV

Compare with FINV

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-04-10	WANG YUXIANG	Chief Operating Officer	Stock Award	970,720	-
2026-04-10	CHEN PINGPING	President	Stock Award	966,140	-
2026-04-08	LI TIEZHENG	Chief Executive Officer	Stock Award	102,825	-
2026-04-02	LI TIEZHENG	Chief Executive Officer	Stock Award	380,000	-
2026-04-02	WANG YUXIANG	Chief Operating Officer	Stock Award	2,012,235	-
2026-04-02	CHEN PINGPING	President	Stock Award	1,291,500	-

WANG YUXIANG

Chief Operating Officer

Stock Award

2026-04-10

970,720 shares

CHEN PINGPING

President

Stock Award

2026-04-10

966,140 shares

LI TIEZHENG

Chief Executive Officer

Stock Award

2026-04-08

102,825 shares

LI TIEZHENG

Chief Executive Officer

Stock Award

2026-04-02

380,000 shares

WANG YUXIANG

Chief Operating Officer

Stock Award

2026-04-02

2,012,235 shares

CHEN PINGPING

President

Stock Award

2026-04-02

1,291,500 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F

2025-04-18

FinVolution Group (FINV) filed its annual report on Form 20-F on April 18, 2025, detailing its full-year financial performance and operational results. The filing provides comprehensive disclosures regarding the company's financial position and the primary regulatory and market risks impacting its business operations.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning FINV from our newsroom.

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FINV

FINV FinVolution Group - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Past News Coverage

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