FinVolution Group FINV

Latest FY: 2025 Financial Services Credit Services
Market Price $3.40
Market Cap $441.83M
P/E Ratio 12.59
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑8.4% YoY
$1.94B
3-Yr CAGR: -42.2%
Net Income ↑11.4% YoY
$363.56M
Net Margin: 18.7%
Free Cash Flow ↓-35.0% YoY
$255.03M
FCF Yield: 57.72%
EPS (Diluted) ↑8.0% YoY
$0.27
Basic: $0.29
Return on Equity Efficiency
15.4%
ROA: 10.0%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (FINV)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $1,208.7M $251.5M $501.5M $-0.09
FY 2017 $598.8M -50.5% $96.1M $166.5M -66.8% $-2.55 -2,704.9% 0.00% $286.6M $272.6M
FY 2018 $623.6M +4.1% $123.6M $359.1M +115.7% $0.22 +108.8% 0.00% $274.2M $262.0M -3.9%
FY 2019 $5,962.8M +856.2% $4,798.0M $340.8M -5.1% $0.22 -2.2% 0.00% $-31.0M $-37.9M -114.5%
FY 2020 $7,563.1M +26.8% $6,247.6M $302.3M -11.3% $0.20 -8.9% 0.00% $338.2M $336.5M +986.9%
FY 2021 $8,284.6M +9.5% $6,450.1M $393.7M +30.2% $0.27 +35.0% 0.00% $98.9M $90.2M -73.2%
FY 2022 $10,045.0M +21.2% $8,006.4M $328.6M -16.5% $0.23 -14.8% 0.00% $39.0M $31.3M -65.3%
FY 2023 $11,663.0M +16.1% $9,551.5M $329.7M +0.3% $0.24 +4.3% 0.00% $199.1M $123.3M +293.6%
FY 2024 $1,790.0M -84.7% $-591.8M $326.5M -1.0% $0.25 +4.2% 0.00% $396.4M $392.6M +218.4%
FY 2025 $1,940.4M +8.4% $-929.8M $363.6M +11.4% $0.27 +8.0% 0.00% $267.1M $255.0M -35.0%
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Valuation

Market Price $3.40
Market Cap $441.83M
Enterprise Value -$158.13M
P/E Ratio 12.59
P/B Ratio 0.19
FCF Yield 57.72%
Dividend Yield 0.00%
Shares Outstanding 129,948,600
%

Profitability & Margins

Gross Margin -47.92%
Operating Margin 22.86%
Net Margin 18.74%
Return on Equity (ROE) 15.36%
Return on Assets (ROA) 10.00%
Asset Turnover 0.53x
Revenue 3-Yr CAGR -42.19%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.005
Debt / Assets 0.004
Cash & Equivalents $612.76M
Total Debt $12.81M
Book Value / Share $18.21
💧

Cash Flow Efficiency

Operating Cash Flow $267.06M
Capital Expenditures (CapEx) $12.04M
Free Cash Flow $255.03M
OCF / Revenue 13.76%
FCF / Revenue 13.14%
FCF 3-Yr CAGR 101.17%
🏷️

Per Share Metrics

EPS (Diluted) $0.27
EPS (Basic) $0.29
Dividends / Share N/A
Book Value / Share $18.21
EPS YoY Growth 8.00%
🏛️

Balance Sheet (FY 2025)

Total Assets $3.63B
Total Liabilities $1.23B
Stockholders' Equity $2.37B
Current Assets N/A
Current Liabilities N/A