FinVolution Group

NYSE•FINV

執行長: Mr. Shaofeng Gu

板塊: Financial Services

行業: 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.

聯絡資訊

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

N/A

ir.finvgroup.com

市值

$1.31B

本益比 (TTM)

3.2

股息率

5.3%

52周最高

$11.08

52周最低

$4.70

52周範圍

排名24Top 10.8%

5.7

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

一般 • 5.7 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q3 2025 數據

營業收入

$487.23M+6.43%

近4季度走勢

每股收益

$0.35+6.38%

近4季度走勢

自由現金流

$121.82M-44.76%

近4季度走勢

2024 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
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%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

0.5%

溫和增長

4季度淨利複合增長率

-2.7%

盈利能力基本穩定

現金流穩定性

100%

現金流表現優異

深度研究

下次財報:2026年3月16日

每股收益:$0.23

營業收入:$440.03M

財務數據

電話會議

財務報告

新聞

損益表

資產負債表

現金流量表

財務比率

變化率

損益表	過去12個月

無資料