FinVolution Group

NYSE•FINV

CEO: Mr. Shaofeng Gu

Sector: Financial Services

Industry: Financial - Credit Services

Listing Date: 2017-11-09

FinVolution Group operates in the online consumer finance industry. The company operates a fintech platform that is empowered by borrowers with financial institutions. It operates in China and internationally. The company was formerly known as PPDAI Group Inc. and changed its name to FinVolution Group in November 2019. FinVolution Group was founded in 2007 and is headquartered in Shanghai, the People's Republic of China.

Contact Information

Building G1, No. 999 Dangui Road Pudong New District, Shanghai, 201203, China

N/A

ir.finvgroup.com

Market Cap

$1.31B

P/E (TTM)

3.2

Dividend Yield

5.3%

52W High

$11.08

52W Low

$4.70

52W Range

Rank24Top 10.8%

5.7

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 5.7 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$487.23M+6.43%

4-Quarter Trend

EPS

$0.35+6.38%

4-Quarter Trend

FCF

$121.82M-44.76%

4-Quarter Trend

2024 Annual Earnings Highlights

Key Highlights

Net Revenue Growth 2024 Net revenues reached RMB13.07B in 2024, marking a 4.1% increase from RMB12.55B reported in the prior year period.

Operating Cash Flow Surges Net cash provided by operating activities significantly increased to RMB2.89B in 2024, up from RMB1.36B in 2023, showing strong liquidity generation.

Overseas Revenue Contribution Rises Overseas markets generated 19.4% of total net revenues in 2024, up from 17.0% in 2023, driven by expansion in Indonesia and Philippines.

Revised Annual Dividend Policy Board approved revised policy to declare recurring cash dividends between 20% and 30% of net income after tax going forward, starting March 2025.

Risk Factors

90-Day Delinquency Rate Rises 90+ day delinquency rate for China loans increased to 2.13% in 2024, up from 1.98% in 2023, indicating potential credit quality deterioration.

PRC Regulatory Structure Uncertainty Reliance on VIE contractual arrangements faces uncertainty; adverse PRC government interpretation could force restructuring or relinquish interests in operations.

Quality Assurance Credit Exposure Group bears credit risk for majority of off-balance sheet loans via quality assurance commitments, exposing results to default rate increases.

Increasing Labor and Compliance Costs Labor costs are expected to continue increasing due to statutory benefits and competition for skilled personnel, potentially impacting financial performance.

Outlook

New Share Repurchase Program Board approved new 2025 Share Repurchase Program up to US$150M through March 2027, signaling capital return commitment.

Continued Overseas Market Expansion Focus remains on expanding global operations, particularly in Indonesia and Philippines, despite inherent risks in less familiar local regulatory environments.

Technology and Innovation Investment Continued investment in proprietary technology, including Magic Mirror Model refinement and big-data analytics, to enhance risk management and efficiency.

Recent Acquisition Completed Group completed acquisition of 100% interest in Guangzhou Pingan Haodai Microloan Co., Ltd. in March 2025, diversifying product offerings.

Peer Comparison

Revenue (TTM)

$19.91B

+31.1%

$4.43B

-11.7%

NAVI

$3.20B

-24.5%

Gross Margin (Latest Quarter)

AGM

96.9%

+1.8pp

YRD

90.4%

+4.3pp

NAVI

88.4%

+316.6pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
IX	$34.67B	11.9	10.9%	37.0%
ENVA	$3.55B	11.4	24.4%	70.5%
QFIN	$1.92B	1.9	28.8%	10.3%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

0.5%

Moderate Growth

4Q Net Income CAGR

-2.7%

Stable Profitability

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Mar 16, 2026

EPS:$0.23

Revenue:$440.03M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data