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FINV 
FinVolution Group (FINV)
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Upturn Advisory Summary
12/26/2025: FINV (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
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 |
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 12/26/2025 |
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 535749106 | Price to Sales(TTM) 0.1 |
Enterprise Value 535749106 | Price to Sales(TTM) 0.1 | ||
Enterprise Value to Revenue 0.27 | Enterprise Value to EBITDA 1.15 | 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. (NYSE: FINV) was founded in 2007 as PPdai. It is a leading online consumer finance service provider in China. The company has undergone significant evolution, transitioning from a peer-to-peer lending platform to a comprehensive financial technology service provider, focusing on its proprietary technology and data analytics capabilities to serve China's underserved consumer credit market.
Core Business Areas
- Online Consumer Finance Services: Provides online consumer finance services through its platforms, connecting borrowers with financial institutions and facilitating loan origination and servicing. It leverages advanced technology and data analytics to assess creditworthiness and manage risk.
- Technology and Data Solutions: Offers its proprietary technology and data analytics solutions to partner financial institutions, enabling them to enhance their risk management and operational efficiency in consumer lending.
Leadership and Structure
FinVolution Group is led by a management team with extensive experience in finance and technology. Specific leadership details and organizational structure can be found in their official investor relations materials and SEC filings.
Top Products and Market Share
Key Offerings
- Product Name 1: FinVolution's core offering is its online consumer finance platform, which facilitates loans for individuals. This includes personal consumption loans and small business loans. The platform utilizes AI-powered credit assessment and risk management. Specific market share data for individual products is not publicly detailed, but the company operates within the vast Chinese consumer lending market. Competitors include other online lending platforms, traditional banks offering digital lending solutions, and fintech companies in China.
Market Dynamics
Industry Overview
FinVolution operates in the rapidly growing but highly regulated Chinese consumer finance and fintech industry. The sector is characterized by increasing digital adoption, demand for credit from an expanding middle class, and ongoing regulatory scrutiny and policy shifts.
Positioning
FinVolution has positioned itself as a technology-driven platform that leverages big data and AI to serve the credit needs of China's underbanked and underserved populations. Its competitive advantages lie in its advanced risk management capabilities, extensive user base, and established partnerships with financial institutions.
Total Addressable Market (TAM)
The total addressable market for consumer finance in China is immense, driven by a large population and increasing disposable income. FinVolution is strategically positioned to capture a significant portion of this market by focusing on segments that are less efficiently served by traditional financial institutions. The exact TAM figures are dynamic and subject to economic growth and regulatory changes.
Upturn SWOT Analysis
Strengths
- Advanced AI and big data analytics for credit assessment and risk management.
- Extensive user base and established brand recognition in China.
- Strong partnerships with reputable financial institutions.
- Adaptable business model to regulatory changes.
Weaknesses
- Reliance on the Chinese market, subject to its economic and regulatory landscape.
- Competition from established financial institutions and emerging fintech players.
- Potential for increased compliance costs and operational complexities due to evolving regulations.
Opportunities
- Expansion of services into new product categories and geographic regions within China.
- Further development and monetization of its technology and data solutions for institutional partners.
- Capitalizing on the growing demand for digital financial services.
- Potential for strategic alliances and M&A activities.
Threats
- Stricter government regulations and policy changes impacting the fintech and lending industries.
- Economic downturns affecting borrower repayment capabilities.
- Increased competition leading to pricing pressures.
- Cybersecurity risks and data privacy concerns.
Competitors and Market Share
Key Competitors
- JD Technology (stock symbol not directly listed, part of JD.com)
- Ant Group (privately held, significant competitor)
- WeBank (privately held, significant competitor)
- Tencent Financial Services (part of Tencent Holdings, stock symbol TCEHY)
Competitive Landscape
FinVolution faces intense competition from large, established tech giants with financial arms and other specialized fintech players. Its advantage lies in its focused technology and data-driven approach to credit assessment, aiming to carve out a niche in underserved segments of the consumer finance market.
Growth Trajectory and Initiatives
Historical Growth: FinVolution has demonstrated a growth trajectory driven by the expansion of China's digital economy and consumer finance market. Its growth has been influenced by its ability to scale its lending operations and refine its technology platform.
Future Projections: Future growth projections for FinVolution are contingent on market conditions, regulatory developments, and the company's strategic execution. Analyst reports and company guidance provide insights into potential future performance.
Recent Initiatives: Recent initiatives likely focus on enhancing its risk management capabilities, exploring new product verticals, strengthening partnerships, and adapting to evolving regulatory frameworks within the Chinese fintech landscape.
Summary
FinVolution Group is a significant player in China's online consumer finance market, leveraging advanced technology for credit risk management. Its strengths lie in its data analytics capabilities and established partnerships. However, it faces significant risks from regulatory changes, intense competition, and economic volatility in its primary market. Continued innovation and strategic adaptation are crucial for its sustained success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News and Analysis Websites
- Industry Research Reports
Disclaimers:
This JSON output is generated for informational purposes only and should not be considered financial 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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