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FINV 
FinVolution Group (FINV)
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Upturn Advisory Summary
02/26/2026: FINV (3-star) is a STRONG-BUY. BUY since 9 days. Simulated Profits (2.89%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $11.01
1 Year Target Price $11.01
| 8 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.53B USD | Price to earnings Ratio 4.01 | 1Y Target Price 11.01 |
Price to earnings Ratio 4.01 | 1Y Target Price 11.01 | ||
Volume (30-day avg) 8 | Beta 0.42 | 52 Weeks Range 4.70 - 10.90 | Updated Date 11/29/2025 |
52 Weeks Range 4.70 - 10.90 | Updated Date 11/29/2025 | ||
Dividends yield (FY) 4.60% | Basic EPS (TTM) 1.5 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.26% | Operating Margin (TTM) 51.79% |
Management Effectiveness
Return on Assets (TTM) 19.21% | Return on Equity (TTM) 18.31% |
Valuation
Trailing PE 4.01 | Forward PE 3.67 | Enterprise Value 984587771 | Price to Sales(TTM) 0.11 |
Enterprise Value 984587771 | Price to Sales(TTM) 0.11 | ||
Enterprise Value to Revenue 0.51 | Enterprise Value to EBITDA 2.26 | Shares Outstanding 140073861 | Shares Floating 617911699 |
Shares Outstanding 140073861 | Shares Floating 617911699 | ||
Percent Insiders 14.29 | Percent Institutions 55.25 |
Upturn AI SWOT
FinVolution Group
Company Overview
History and Background
FinVolution Group Inc. (formerly PPDAI Group Inc.) was founded in 2007 and is a leading fintech platform in China. It pioneered online consumer finance in China and has since evolved to offer a comprehensive suite of financial services. Key milestones include its establishment, rapid growth in user acquisition and loan facilitation, and its listing on the New York Stock Exchange (NYSE) in 2017. The company has adapted to regulatory changes and expanded its product offerings.
Core Business Areas
- Online Consumer Finance: Provides online credit products and services to individual consumers in China, primarily through its flagship app 'PPDAI'. It facilitates loans by connecting borrowers with institutional funding partners and manages the entire loan lifecycle.
- Technology and Solutions: Leverages its advanced technology and data analytics capabilities to offer risk management, credit assessment, and other financial technology solutions to institutional partners and businesses.
- Other Financial Services: May include wealth management, insurance, and other related financial services, depending on market opportunities and regulatory landscape.
Leadership and Structure
FinVolution Group is led by a management team with expertise in finance, technology, and operations. The organizational structure is designed to support its technology-driven platform and its customer-centric approach to financial services. Specific details on the leadership team can be found in their latest SEC filings.
Top Products and Market Share
Key Offerings
- Competitors: Jindong, Ant Financial (Alipay), Tencent (WeChat Pay)
- Number of Users: 166000000
- Product Name 1: Online Credit Products (e.g., 'PPDAI' App): Facilitates unsecured, small-amount consumer loans for individuals. This is its core offering, connecting borrowers with institutional lenders. Competitors include other online lending platforms, traditional banks, and microfinance institutions in China. Specific market share for this product is difficult to ascertain due to the fragmented nature of the Chinese fintech market, but FinVolution is a significant player.
- Revenue Contribution: 90.5
- Product Name 2: Technology Solutions for Institutional Partners: Offers data analytics, risk assessment, and operational tools to financial institutions. This segment is growing as FinVolution aims to diversify its revenue streams and leverage its technological expertise. Competitors include other fintech solution providers and credit scoring agencies.
Market Dynamics
Industry Overview
The Chinese fintech industry, particularly online consumer finance, is characterized by rapid growth driven by increasing internet penetration and a growing middle class seeking convenient financial services. However, it is also subject to evolving and stringent regulatory oversight aimed at managing financial risks and protecting consumers. The industry is highly competitive and technology-dependent.
Positioning
FinVolution Group is positioned as a leading technology-driven financial services platform in China, with a strong focus on consumer lending. Its competitive advantages lie in its established brand, extensive user base, advanced data analytics and AI-driven risk management capabilities, and a robust partnership network with institutional funders. Its ability to navigate the dynamic regulatory environment is crucial for its sustained success.
Total Addressable Market (TAM)
The total addressable market for online consumer finance in China is substantial and continues to grow, fueled by increasing disposable incomes and demand for credit. While specific TAM figures fluctuate with economic conditions and regulatory shifts, it is estimated to be in the hundreds of billions of USD. FinVolution is well-positioned to capture a significant portion of this market due to its established infrastructure and technological prowess, though it faces intense competition from both traditional financial institutions and other fintech players.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and user base in China.
- Advanced AI and big data analytics for risk assessment.
- Established partnerships with institutional funders.
- Scalable technology platform.
- Pioneer status in online consumer finance in China.
Weaknesses
- Heavy reliance on the Chinese market, exposing it to country-specific risks.
- Sensitivity to regulatory changes in China's fintech sector.
- Potential for increased competition from larger tech giants and traditional banks.
- Need for continuous investment in technology to maintain a competitive edge.
Opportunities
- Expansion into new financial product categories.
- Further development and monetization of technology solutions for institutional partners.
- Potential for international expansion (long-term).
- Leveraging data for cross-selling opportunities.
- Growing demand for credit among underserved populations.
Threats
- Stricter regulatory policies and compliance requirements.
- Macroeconomic downturns affecting consumer spending and loan repayment ability.
- Intensifying competition from both domestic and international players.
- Cybersecurity risks and data breaches.
- Changes in interest rate policies affecting borrowing costs.
Competitors and Market Share
Key Competitors
- Lufax Holding Ltd. (LU)
- 360 Finance, Inc. (QFIN)
- LexinFintech Holdings Ltd. (LX)
Competitive Landscape
FinVolution Group competes in a dynamic and increasingly regulated fintech landscape in China. Its advantages include its early mover advantage and established brand. However, it faces strong competition from larger, well-funded players like Lufax and 360 Finance, which may have broader product offerings or deeper financial resources. LexinFintech is also a significant competitor in the consumer lending space. FinVolution's ability to innovate and adapt to regulatory changes will be key to maintaining its competitive position.
Growth Trajectory and Initiatives
Historical Growth: FinVolution Group has demonstrated significant historical growth, particularly in its early years, driven by the expansion of online lending in China. This growth has been characterized by increasing loan origination volume, user acquisition, and revenue expansion. However, growth rates can be influenced by market conditions and regulatory shifts.
Future Projections: Future growth projections for FinVolution Group are typically provided by financial analysts covering the stock. These projections often take into account industry trends, regulatory outlooks, and the company's strategic initiatives. Anticipated growth drivers include continued user engagement, expansion of product offerings, and diversification of revenue streams.
Recent Initiatives: Recent initiatives may include efforts to enhance risk management systems, explore new market segments, forge strategic partnerships, and optimize its technology infrastructure to comply with evolving regulations and capture new growth opportunities.
Summary
FinVolution Group is a significant player in China's online consumer finance market, leveraging technology for risk assessment and loan facilitation. Its strengths lie in its user base and technological capabilities. However, it operates in a highly regulated and competitive environment, posing threats from policy changes and rivals. The company's future success hinges on its adaptability to regulations and its ability to diversify and expand its service offerings effectively.
Similar Stocks
Sources and Disclaimers
Data Sources:
- FinVolution Group (FINV) SEC Filings (10-K, 10-Q)
- Financial news outlets (e.g., Reuters, Bloomberg)
- Industry analysis reports
- Company investor relations websites
Disclaimers:
This information is for informational purposes only and should not be considered investment advice. Financial data and market conditions are subject to change. Investors should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About FinVolution Group
Exchange NYSE | Headquaters - | ||
IPO Launch date 2017-11-10 | Co-Founder, CEO & Vice Chairman Mr. Tiezheng Li | ||
Sector Financial Services | Industry Credit Services | Full time employees 3623 | Website https://ir.finvgroup.com |
Full time employees 3623 | Website https://ir.finvgroup.com | ||
FinVolution Group, an investment holding company, operates in the online consumer finance industry in the People's Republic of China, Indonesia, and internationally. It operates an online consumer finance platform through its ppdai.com and PPDai mobile application; KOO Virtual Credit; 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.
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