FinVolution Group

FINV · NYSE · Financial Services / Credit Services

2.85USD+0.13 (+4.78%)

Price History

Full chart

Market Stats

Previous Close2.72

Open2.74

Day Range2.72 – 2.87

52-Week Range3.10 – 7.25

Volume767.71K

Market Cap738.97M

P/E (TTM)2.90

Forward P/E3.67

EPS1.08

Dividend Yield9.59%

Beta0.39

50-Day Avg4.15

200-Day Avg4.87

About

FinVolution Group, an investment holding company, operates in the online consumer finance industry in the People's Republic of China, Indonesia, Philippines, and internationally. It operates an online consumer finance platform through its ppdai.com and PPDai mobile application; AdaKami, an online loan platform; and JuanHand for lending and other personalized financial services. 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.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMr. Tiezheng Li
Employees3.87K
HeadquartersBuilding G1, Shanghai, China, 201203, USA
Websitehttps://ir.finvgroup.com

Leadership

Mr. Tiezheng LiCo-Founder, CEO & Vice Chairman · b. 1985
Mr. Shaofeng GuCo-founder, Chairman & Chief Innovation Officer · b. 1978
Ms. Pingping ChenPresident & Chief Compliance Officer · b. 1984
Mr. Jun ZhangCo-Founder & Director · b. 1977
Mr. Honghui HuCo-founder & Director · b. 1977
Mr. Jiayuan XuChief Financial Officer · b. 1981
Mr. Yuxiang WangCTO & COO · b. 1980
Aayush JhunjhunwalaChief Investor Relations Officer
Yam ChengHead of Capital Markets

Financials

Income Statement

Currency: CNY	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	195.69M	1.22B	3.93B	4.54B	5.96B	7.56B	9.47B	11.13B	12.60B	13.07B	13.20B
Growth (%)	-	+521.27%	+223.03%	+15.70%	+31.23%	+26.84%	+25.22%	+17.57%	+13.17%	+3.69%	+1.03%
Cost of Revenue	99.38M	388.15M	974.52M	985.57M	1.21B	1.33B	1.84B	2.04B	2.16B	2.70B	2.82B
Gross Profit	96.31M	827.61M	2.95B	3.56B	4.75B	6.24B	7.63B	9.10B	10.44B	10.36B	10.38B
Gross Margin	49.21%	68.07%	75.19%	78.31%	79.74%	82.47%	80.55%	81.69%	82.82%	79.32%	78.63%
Operating Expense	437.07M	1.81B	5.30B	6.06B	2.11B	3.93B	5.01B	6.58B	8.05B	7.83B	7.50B
Operating Income	-340.76M	-978.91M	-2.35B	-2.50B	2.65B	2.31B	2.61B	2.52B	2.38B	2.54B	2.88B
Operating Margin	-174.14%	-80.52%	-59.88%	-55.12%	44.38%	30.51%	27.60%	22.59%	18.92%	19.40%	21.84%
EBITDA	-141.82M	248.94M	1.55B	1.89B	2.75B	2.40B	2.68B	2.58B	2.45B	2.62B	3.11B
EBITDA Margin	-72.47%	20.48%	39.51%	41.57%	46.18%	31.79%	28.33%	23.17%	19.47%	20.06%	23.53%
Net Income	-72.14M	501.49M	1.08B	2.47B	2.37B	1.97B	2.51B	2.27B	2.34B	2.38B	2.47B
Net Income Margin	-36.86%	41.25%	27.58%	54.34%	39.79%	26.08%	26.49%	20.36%	18.58%	18.24%	18.74%
R&D	14.14M	114.65M	164.87M	317.96M	390.58M	370.18M	434.85M	491.48M	510.99M	496.74M	536.62M
R&D as % of Total Revenue	7.22%	9.43%	4.20%	7.00%	6.55%	4.89%	4.59%	4.41%	4.06%	3.80%	4.07%
Interest Expense	159.00K	18.19M	15.60M	60.09M	235.62M	228.32M	205.23M	205.82M	0	0	28.47M
Interest Expense % of Total Revenue	0.08%	1.50%	0.40%	1.32%	3.95%	3.02%	2.17%	1.85%	0.00%	0.00%	0.22%

Balance Sheet

Currency: CNY	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	736.92M	2.15B	8.60B	13.14B	18.30B	14.88B	18.14B	21.38B	21.29B	23.61B	25.43B
Total Liabilities	468.54M	1.38B	4.92B	7.16B	10.29B	6.45B	7.43B	8.94B	7.42B	8.05B	8.58B
Total Equity	268.38M	772.22M	3.68B	5.92B	7.95B	8.36B	10.66B	12.37B	13.75B	15.20B	16.56B
Cash	92.50M	404.68M	1.89B	1.62B	2.32B	2.63B	4.42B	3.64B	4.97B	4.67B	6.20B
Total Debt	20.00M	15.63M	17.29M	25.00M	320.14M	43.30M	33.36M	176.99M	41.63M	34.36M	1.32B
Net Debt	-72.50M	-404.68M	-1.89B	-1.59B	-2.00B	-2.59B	-4.38B	-3.46B	-4.93B	-4.64B	-4.88B

Cash Flow

Currency: CNY	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	-191.89M	1.09B	1.86B	1.88B	-215.52M	2.21B	630.23M	268.83M	1.41B	2.89B	1.87B
Investing Cash Flow	-132.24M	-684.11M	-2.50B	-1.45B	-828.22M	1.04B	1.99B	-1.55B	1.41B	-2.30B	-2.18B
Financing Cash Flow	338.05M	438.70M	2.13B	530.10M	1.75B	-3.09B	-239.80M	-795.86M	-2.56B	-622.72M	-194.70M
Capital Expenditure	17.55M	29.80M	90.87M	88.70M	48.66M	32.02M	55.27M	52.77M	538.10M	27.76M	93.35M
Free Cash Flow	-209.44M	1.06B	1.77B	1.80B	-264.18M	2.17B	574.96M	216.06M	875.33M	2.87B	1.77B
Dividends Paid	0	0	390.71M	390.71M	390.71M	263.57M	317.57M	372.48M	430.35M	441.33M	510.20M
FCF to OCF	109.14%	97.26%	95.13%	95.29%	122.58%	98.55%	91.23%	80.37%	61.93%	99.04%	95.00%
Dividend Paid to FCF	0.00%	0.00%	22.03%	21.75%	-147.90%	12.12%	55.23%	172.40%	49.16%	15.40%	28.76%

Earnings

Report Date	Aug 2, 2017	Dec 13, 2017	Mar 21, 2018	May 15, 2018	Aug 22, 2018	Nov 20, 2018	Mar 14, 2019	May 15, 2019	Aug 20, 2019	Nov 19, 2019	Mar 19, 2020	May 27, 2020	Aug 25, 2020	Nov 17, 2020	Mar 11, 2021	May 25, 2021	Aug 23, 2021	Nov 18, 2021	Mar 14, 2022	May 31, 2022	Aug 22, 2022	Nov 14, 2022	Mar 14, 2023	May 17, 2023	Aug 28, 2023	Nov 20, 2023	Mar 18, 2024	May 15, 2024	Aug 26, 2024	Nov 18, 2024	Mar 17, 2025	May 20, 2025	Aug 20, 2025	Nov 17, 2025	Mar 16, 2026	May 26, 2026	Aug 27, 2026	Nov 18, 2026
EPS Estimate	0.00	-	-0.20	0.60	1.44	1.30	1.57	1.58	1.95	2.22	1.33	0.21	1.36	1.43	1.57	2.00	2.11	2.15	2.00	0.09	0.09	0.09	1.91	2.42	1.95	2.05	1.92	1.97	-	-	-	-	0.00	0.00	1.61	-	-	-
EPS Actual	-0.19	-0.08	-4.87	1.39	1.87	1.97	2.40	2.26	2.11	1.89	1.32	1.36	1.50	2.05	1.72	2.00	0.42	0.43	2.36	1.81	0.19	0.19	1.91	0.07	1.95	2.05	0.27	0.27	0.29	0.48	2.61	2.84	2.82	0.33	1.77	0.23	0.29	-
Surprise	-	-	-2335.00%	131.67%	29.86%	51.54%	52.87%	43.04%	8.21%	-14.86%	-0.75%	547.62%	10.29%	43.36%	9.55%	0.00%	-80.09%	-80.00%	18.00%	1911.11%	111.11%	111.11%	0.00%	-97.11%	0.00%	0.00%	-86.18%	-86.11%	-	-	-	-	-	-	9.94%	-	-	-
Timing	-	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	-	-	-	-	After-hours	After-hours	-	After-hours	After-hours

Key Statistics & Ratios

Market Cap738.97M

Enterprise Value29.73M

Trailing P/E2.90

Forward P/E3.67

Price / Sales0.06

Price / Book0.30

EPS1.08

Book Value10.50

Revenue (TTM)13.16B

Gross Profit (TTM)9.24B

EBITDA5.89B

Profit Margin14.48%

Operating Margin50.01%

Return on Equity11.58%

Return on Assets14.07%

Shares Outstanding122.75M

Shares Float109.50M

Beta0.39

Dividend Yield9.59%

Dividend Rate0.31

Payout Ratio11.68%

Analyst Ratings

Strong Buy

Based on 8 analystsTarget 5.58

Strong Buy
8

Ownership Breakdown

Institutions: 44.83%
Insiders: 11.43%
Retail / Other: 43.74%

Top Institutional Holders

Susquehanna International Group, LLP
16.49M6.98%
Amvescap Plc.
4.97M2.10%
Bank of America Corp
4.18M1.77%
Vanguard Capital Management, LLC
3.28M1.39%
BlackRock Inc
3.06M1.30%
Morgan Stanley - Brokerage Accounts
2.42M1.02%
Causeway Capital Management LLC
2.40M1.02%
HHG PLC
2.17M0.92%
Acadian Asset Management LLC
2.05M0.87%
Dimensional Fund Advisors, Inc.
2.00M0.85%
State Street Corp
1.99M0.84%
Arrowstreet Capital Limited Partnership
1.90M0.80%
The Goldman Sachs Group Inc
1.84M0.78%
American Century Companies Inc
1.21M0.51%

Top Fund Holders

Invesco International Div Achiev ETF
5.84M2.48%
Vanguard Total Intl Stock Index Inv
1.44M0.61%
Vanguard Emerging Mkts Stock Idx Inv
1.41M0.60%
iShares Core MSCI Emerging Markets ETF
1.36M0.58%
Avantis Emerging Markets Equity ETF
1.09M0.46%
DFA Emerging Markets Core Equity 2 I
839.90K0.36%

Dividends

20261×

0.31Apr 16, 2026

20251×

0.28Apr 16, 2025

20241×

0.24Apr 15, 2024

20231×

0.21Apr 12, 2023

20221×

0.20Apr 12, 2022

20211×

0.17Apr 6, 2021

20201×

0.12Apr 6, 2020

20191×

0.19Apr 4, 2019