FinVolution Group

NYSE•FINV

CEO: Mr. Shaofeng Gu

板块: Financial Services

行业: Financial - Credit Services

上市日期: 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.

联系方式

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

N/A

ir.finvgroup.com

市值

$1.31B

市盈率 (TTM)

3.2

股息率

5.3%

52周最高

$11.08

52周最低

$4.70

52周范围

排名24Top 10.8%

5.7

F-Score

改良版 Piotroski 分析

基于 10 年期基本面

一般 • 5.7 / 9 分

评分区间 (0-9)

8-9: 价值优异

6-7: 基本面强劲

4-5: 整体稳健

0-3: 表现疲弱

数据范围: 2016-2025

财务仪表盘

Q3 2025 数据

营业收入

$487.23M+6.43%

近4季度走势

每股收益

$0.35+6.38%

近4季度走势

自由现金流

$121.82M-44.76%

近4季度走势

2024 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

$19.91B

+31.1%

$4.43B

-11.7%

NAVI

$3.20B

-24.5%

毛利率 (最新季度)

AGM

96.9%

+1.8pp

YRD

90.4%

+4.3pp

NAVI

88.4%

+316.6pp

关键指标

股票代码	市值	市盈率 (TTM)	净资产收益率 (TTM)	负债率
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%

长期趋势

近4季度

营业收入

净利润

经营现金流

4季度营收复合增长率

0.5%

温和增长

4季度净利润复合增长率

-2.7%

盈利能力基本稳定

现金流稳定性

100%

现金流表现优异

深度研究

下次财报:2026年3月16日

每股收益:$0.23

营业收入:$440.03M

财务数据

电话会议

财务报告

新闻

利润表

资产负债表

现金流量表

财务比率

变化率

利润表	过去12个月

无数据