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FinVolution Group (FINV)



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Upturn Advisory Summary
10/10/2025: FINV (5-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $11.37
1 Year Target Price $11.37
8 | Strong Buy |
0 | Buy |
0 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 84.62% | Avg. Invested days 69 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.70B USD | Price to earnings Ratio 4.47 | 1Y Target Price 11.37 |
Price to earnings Ratio 4.47 | 1Y Target Price 11.37 | ||
Volume (30-day avg) 8 | Beta 0.41 | 52 Weeks Range 5.51 - 10.90 | Updated Date 10/11/2025 |
52 Weeks Range 5.51 - 10.90 | Updated Date 10/11/2025 | ||
Dividends yield (FY) 4.13% | 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 4.47 | Forward PE 3.67 | Enterprise Value 984587771 | Price to Sales(TTM) 0.12 |
Enterprise Value 984587771 | Price to Sales(TTM) 0.12 | ||
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 56.96 |
Upturn AI SWOT
FinVolution Group

Company Overview
History and Background
FinVolution Group (formerly PPDAI Group) was founded in 2007 in Shanghai, China. It initially operated as a peer-to-peer lending platform connecting borrowers and investors. Over time, it shifted its focus to providing online consumer finance services, leveraging technology and data analytics to assess credit risk and facilitate loan origination. It was listed on the New York Stock Exchange (NYSE) in 2017.
Core Business Areas
- Loan Facilitation: FinVolution connects borrowers with institutional funding partners, facilitating loan origination through its online platform. It offers a range of loan products with varying amounts and terms to meet diverse consumer needs.
- Credit Risk Assessment: The company utilizes advanced data analytics and machine learning algorithms to evaluate the creditworthiness of potential borrowers. This enables them to make informed lending decisions and manage risk effectively.
- Technology Platform Services: FinVolution also provides technology platform services that are used to acquire users, conduct credit assessment, facilitate loan disbursement, and manage risk.
Leadership and Structure
The leadership team is headed by Fenji Gu, the Chief Executive Officer. The company operates with a board of directors responsible for overseeing strategic direction and corporate governance.
Top Products and Market Share
Key Offerings
- Loan Products: FinVolution offers various loan products, including installment loans, revolving credit lines, and other consumer finance solutions. The company primarily serves consumers in China. While exact market share data is limited, FinVolution is a significant player in the online consumer finance market in China. Competitors include 360 DigiTech, LexinFintech, and other online lending platforms.
Market Dynamics
Industry Overview
The online consumer finance market in China is characterized by rapid growth driven by increasing demand for credit and the adoption of digital technologies. The market is highly competitive and subject to regulatory changes.
Positioning
FinVolution aims to be a leading technology platform connecting borrowers and financial institutions. It focuses on leveraging its technology and data analytics capabilities to provide efficient and effective lending solutions. Its competitive advantage lies in its risk management expertise and technological infrastructure.
Total Addressable Market (TAM)
The TAM for consumer credit in China is very large, estimated to be in the trillions of USD. FinVolution is positioned to capture a share of this market by focusing on underserved consumer segments and leveraging its technology platform.
Upturn SWOT Analysis
Strengths
- Advanced technology platform
- Strong credit risk assessment capabilities
- Large user base
- Established brand recognition
Weaknesses
- Dependence on regulatory environment in China
- Potential for increased competition
- Sensitivity to economic downturns
- Geographic concentration in China
Opportunities
- Expansion into new markets
- Development of new financial products
- Partnerships with financial institutions
- Leveraging data analytics for personalized services
Threats
- Regulatory changes and uncertainties
- Increased competition from established players and new entrants
- Economic slowdown in China
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- QFIN
- LX
- YRD
Competitive Landscape
FinVolution faces competition from other online lending platforms, traditional financial institutions, and fintech companies. Its advantages include its technology platform, risk management capabilities, and established brand. Disadvantages may include regulatory compliance burdens and intense competition.
Growth Trajectory and Initiatives
Historical Growth: FinVolution's growth has been influenced by the expansion of online consumer finance in China. However, regulatory changes have also impacted its growth trajectory.
Future Projections: Future growth projections are contingent on regulatory developments, market conditions, and the company's ability to innovate and adapt. Analyst estimates should be queried for the latest projections.
Recent Initiatives: Recent initiatives may include expanding partnerships with financial institutions, developing new loan products, and enhancing its technology platform.
Summary
FinVolution Group operates in the rapidly evolving Chinese online consumer finance market. While it boasts a strong technology platform and risk management capabilities, it faces regulatory headwinds and intense competition. The company's success depends on its ability to adapt to regulatory changes, innovate its product offerings, and maintain effective risk management practices. Long term success depends on navigating the complexities of the Chinese financial market and maintaining a competitive edge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Financial data providers (e.g., Bloomberg, Yahoo Finance)
Disclaimers:
This analysis is based on publicly available information and analyst estimates. It is not financial advice, and investors should conduct their own due diligence before making any investment decisions. Market share data is approximate and may vary depending on the source.
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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