FinVolution Group

NYSE•FINV

CEO: Mr. Shaofeng Gu

セクター: Financial Services

業種: Financial - Credit Services

上場日: 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.

連絡先情報

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

N/A

ir.finvgroup.com

時価総額

$1.31B

PER (TTM)

3.2

配当利回り

5.3%

52週高値

$11.08

52週安値

$4.70

52週レンジ

順位24Top 10.8%

5.7

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 5.7 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q3 2025 データ

売上高

$487.23M+6.43%

直近4四半期の推移

EPS

$0.35+6.38%

直近4四半期の推移

フリーCF

$121.82M-44.76%

直近4四半期の推移

2024 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

$19.91B

+31.1%

$4.43B

-11.7%

NAVI

$3.20B

-24.5%

粗利益率 (最新四半期)

AGM

96.9%

+1.8pp

YRD

90.4%

+4.3pp

NAVI

88.4%

+316.6pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
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%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

0.5%

緩やかな成長

4四半期純利益CAGR

-2.7%

収益性の安定

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年3月16日

EPS:$0.23

売上高:$440.03M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし