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Upturn AI SWOT - About
FinVolution Group (FINV)
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Upturn Advisory Summary
07/02/2025: FINV (5-star) is a STRONG-BUY. BUY since 14 days. Profits (6.73%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $11.85
1 Year Target Price $11.85
| 8 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 98.16% | Avg. Invested days 66 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.34B USD | Price to earnings Ratio 6.63 | 1Y Target Price 11.85 |
Price to earnings Ratio 6.63 | 1Y Target Price 11.85 | ||
Volume (30-day avg) 8 | Beta 0.41 | 52 Weeks Range 4.60 - 10.68 | Updated Date 07/2/2025 |
52 Weeks Range 4.60 - 10.68 | Updated Date 07/2/2025 | ||
Dividends yield (FY) 2.92% | Basic EPS (TTM) 1.39 |
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 19.42% | Operating Margin (TTM) 54.43% |
Management Effectiveness
Return on Assets (TTM) 19.67% | Return on Equity (TTM) 17.51% |
Valuation
Trailing PE 6.63 | Forward PE 3.67 | Enterprise Value 1164963716 | Price to Sales(TTM) 0.17 |
Enterprise Value 1164963716 | Price to Sales(TTM) 0.17 | ||
Enterprise Value to Revenue 0.62 | Enterprise Value to EBITDA 2.9 | Shares Outstanding 140074000 | Shares Floating 611020291 |
Shares Outstanding 140074000 | Shares Floating 611020291 | ||
Percent Insiders 14.29 | Percent Institutions 57.14 |
Upturn AI SWOT
FinVolution Group
Company Overview
History and Background
FinVolution Group, formerly known as PPDAI Group, was founded in 2007. It is a leading online consumer finance platform in China connecting borrowers and investors. The company has evolved from a peer-to-peer lending platform to a broader fintech company offering various financial products and services.
Core Business Areas
- Loan Facilitation Services: FinVolution connects borrowers with investors through its online platform, facilitating loan origination and servicing.
- Technology Services: The company provides technology solutions to financial institutions, enabling them to improve their risk management and operational efficiency.
Leadership and Structure
The company's leadership team consists of experienced executives in the fintech and finance industries. The organizational structure is designed to support its technology-driven business model.
Top Products and Market Share
Key Offerings
- Small Personal Loans: FinVolution offers small, unsecured personal loans to borrowers. It relies on data analysis and technology for credit assessment. Competitors include other online lending platforms and traditional banks.
- Consumption Loans: These are loans for specific purchases. Competitors include Ant Group, JD Finance, and Baidu Finance, which are dominant fintech companies in China. Market share data is difficult to ascertain with precision.
Market Dynamics
Industry Overview
The online consumer finance industry in China is large and rapidly evolving, driven by increasing internet penetration and demand for credit. Regulatory changes are a significant factor.
Positioning
FinVolution is positioned as a technology-driven online platform, leveraging data analytics and AI for risk management. Its competitive advantages include its experience in the Chinese market.
Total Addressable Market (TAM)
The TAM for consumer finance in China is estimated to be in the trillions of USD. FinVolution is positioned to capture a segment of this market with its technology platform.
Upturn SWOT Analysis
Strengths
- Technology-driven platform
- Experience in the Chinese market
- Data analytics capabilities
Weaknesses
- Dependence on regulatory environment in China
- Competition from larger fintech companies
- Relatively concentrated user base.
Opportunities
- Expanding into new market segments
- Developing new financial products
- Partnerships with financial institutions
Threats
- Changes in regulations
- Increased competition
- Economic slowdown in China
Competitors and Market Share
Key Competitors
- 360 DigiTech (QFIN)
- LexinFintech Holdings Ltd. (LX)
Competitive Landscape
FinVolution faces intense competition from other online lending platforms and larger fintech companies. Its competitive advantages include its technology and market experience.
Growth Trajectory and Initiatives
Historical Growth: FinVolution has experienced significant growth in loan facilitation volume in the past. However, regulatory changes have impacted its growth rate.
Future Projections: Analyst estimates for future growth vary, depending on regulatory developments and market conditions.
Recent Initiatives: FinVolution has focused on improving its technology platform and expanding its partnerships with financial institutions.
Summary
FinVolution Group is a technology-driven online consumer finance platform in China, facing significant regulatory risks. Its strengths lie in its technology and market experience, but it also faces challenges from larger competitors and the evolving regulatory landscape. Future growth depends on its ability to adapt to these changes and expand into new market segments. The company needs to vigilantly monitor regulatory shifts and optimize its risk management to sustain its position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise. The AI-based rating is based on a simplified analysis and should not be the sole basis for 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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