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Upturn AI SWOT - About
FINV 
FinVolution Group (FINV)
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Upturn Advisory Summary
09/11/2025: FINV (5-star) is currently NOT-A-BUY. Pass it for now.
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 $11.4
1 Year Target Price $11.4
| 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  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.94B USD | Price to earnings Ratio 5.17 | 1Y Target Price 11.4 |
Price to earnings Ratio 5.17 | 1Y Target Price 11.4 | ||
Volume (30-day avg) 8 | Beta 0.45 | 52 Weeks Range 5.10 - 10.90 | Updated Date 09/12/2025 |
52 Weeks Range 5.10 - 10.90 | Updated Date 09/12/2025 | ||
Dividends yield (FY) 3.59% | Basic EPS (TTM) 1.49 |
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 2025-08-20 | When - | Estimate - | Actual 2.97 |
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 5.17 | Forward PE 3.67 | Enterprise Value 987388393 | Price to Sales(TTM) 0.14 |
Enterprise Value 987388393 | Price to Sales(TTM) 0.14 | ||
Enterprise Value to Revenue 0.51 | Enterprise Value to EBITDA 2.27 | Shares Outstanding 140074000 | Shares Floating 617911699 |
Shares Outstanding 140074000 | Shares Floating 617911699 | ||
Percent Insiders 14.29 | Percent Institutions 57.33 |
Upturn AI SWOT
FinVolution Group
Company Overview
History and Background
FinVolution Group (formerly PPDAI Group) was founded in 2007. It's a leading fintech platform connecting borrowers and investors in China. Initially a peer-to-peer lending platform, it transitioned to working with institutional funding partners to comply with regulatory changes.
Core Business Areas
- Online Consumer Finance: Provides online consumer finance services, connecting borrowers with institutional funding partners.
- Loan Facilitation Services: Offers loan facilitation services, leveraging technology to assess creditworthiness and match borrowers with suitable loan products.
- Technology Solutions: Provides technology solutions to partners in the consumer finance industry.
Leadership and Structure
The leadership team consists of experienced professionals in finance and technology. The organizational structure includes departments for technology, risk management, marketing, and operations. Feng Zhang is the Chairman and CEO.
Top Products and Market Share
Key Offerings
- Xiaoying Wealth Management: A platform that provides wealth management solutions. Competitors include Lufax and Ant Fortune. No available market share for this specific product segment.
- Loan Products: Various loan products facilitated through the platform. Competitors include Ant Group's Ant Credit Pay and WeBank's Weilidai. No available market share for this specific product segment.
Market Dynamics
Industry Overview
The online consumer finance industry in China is highly competitive and heavily regulated. It's undergoing significant transformation with increased emphasis on regulatory compliance and technological innovation.
Positioning
FinVolution Group aims to be a leading technology platform connecting borrowers and financial institutions. Its competitive advantages include its data analytics capabilities, risk management expertise, and extensive user base.
Total Addressable Market (TAM)
The TAM for consumer finance in China is vast, estimated in the trillions of USD. FinVolution Group is positioned to capture a significant portion of this market by leveraging its technology and partnerships.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Advanced risk management capabilities
- Large user base
- Strategic partnerships with financial institutions
Weaknesses
- Regulatory risks in China
- Competition from larger players
- Reliance on institutional funding partners
- Brand perception issues following P2P lending era
Opportunities
- Expansion into new markets
- Development of new products and services
- Further leveraging technology for credit assessment
- Increasing demand for online consumer finance in China
Threats
- Changes in regulations
- Increased competition
- Economic slowdown in China
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- LX
- QD
- 360 DigiTech (QFIN)
Competitive Landscape
FinVolution Group faces intense competition from larger players with more established brands and deeper pockets. However, its technology platform and risk management capabilities provide a competitive edge.
Growth Trajectory and Initiatives
Historical Growth: FinVolution Group has experienced significant growth in the past, driven by the increasing demand for online consumer finance in China.
Future Projections: Analyst estimates project continued growth for FinVolution Group, driven by its technology and partnerships. However, growth rates may be affected by regulatory changes and market competition.
Recent Initiatives: Recent initiatives include strengthening partnerships with financial institutions, developing new technology solutions, and expanding into new market segments.
Summary
FinVolution Group is a key player in China's online lending market, leveraging technology to connect borrowers and investors. Regulatory changes in China and increased competition pose challenges. Growth is driven by technological innovation and strategic partnerships, while historical uncertainties around the P2P era affect brand perception. Continued focus on compliance and innovation will be essential.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Analyst reports, Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Investment decisions should be based on individual due diligence and risk tolerance.
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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