Financial - Credit Services
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AHG vs FINV
Revenue, margins, valuation, and 5-year total return — side by side.
Financial - Credit Services
AHG vs FINV — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $584M | $2.90B |
| Revenue (TTM) | $15M | $13.07B |
| Net Income (TTM) | $-135M | $2.80B |
| Gross Margin | -1.9% | 79.3% |
| Operating Margin | -11.3% | 19.4% |
| Forward P/E | 0.5x | 0.6x |
| Total Debt | $82K | $34M |
| Cash & Equiv. | $176M | $4.67B |
AHG vs FINV — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Akso Health Group (AHG) | 100 | 60.5 | -39.5% |
| FinVolution Group (FINV) | 100 | 336.8 | +236.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AHG vs FINV
Each card shows where this stock fits in a portfolio — not just who wins on paper.
AHG carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 1 yrs, beta 0.14
- Rev growth 5.1%, EPS growth -23.1%
- Lower volatility, beta 0.14, Low D/E 0.0%, current ratio 14.20x
FINV is the clearest fit if your priority is long-term compounding.
- -47.5% 10Y total return vs AHG's -97.1%
- Efficiency ratio 0.6% vs AHG's 11.2% (lower = leaner)
- 4.8% yield; 4-year raise streak; the other pay no meaningful dividend
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 5.1% NII/revenue growth vs FINV's 3.7% | |
| Value | Lower P/E (0.5x vs 0.6x) | |
| Quality / Margins | Efficiency ratio 0.6% vs AHG's 11.2% (lower = leaner) | |
| Stability / Safety | Beta 0.14 vs FINV's 1.12, lower leverage | |
| Dividends | 4.8% yield; 4-year raise streak; the other pay no meaningful dividend | |
| Momentum (1Y) | +48.6% vs FINV's -35.3% | |
| Efficiency (ROA) | Efficiency ratio 0.6% vs AHG's 11.2% |
AHG vs FINV — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
AHG vs FINV — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
FINV leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FINV is the larger business by revenue, generating $13.1B annually — 884.2x AHG's $15M. FINV is the more profitable business, keeping 18.2% of every revenue dollar as net income compared to AHG's -9.1%.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $15M | $13.1B |
| EBITDAEarnings before interest/tax | -$164M | $3.3B |
| Net IncomeAfter-tax profit | -$135M | $2.8B |
| Free Cash FlowCash after capex | $1M | $1.5B |
| Gross MarginGross profit ÷ Revenue | -1.9% | +79.3% |
| Operating MarginEBIT ÷ Revenue | -11.3% | +19.4% |
| Net MarginNet income ÷ Revenue | -9.1% | +18.2% |
| FCF MarginFCF ÷ Revenue | +6.9% | +21.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -53.8% | -2.1% |
Valuation Metrics
FINV leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
| Metric | ||
|---|---|---|
| Market CapShares × price | $584M | $2.9B |
| Enterprise ValueMkt cap + debt − cash | $408M | $2.2B |
| Trailing P/EPrice ÷ TTM EPS | -4.27x | 3.85x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.51x | 0.65x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.13x |
| EV / EBITDAEnterprise value multiple | — | 5.76x |
| Price / SalesMarket cap ÷ Revenue | 39.55x | 1.51x |
| Price / BookPrice ÷ Book value/share | 2.93x | 0.59x |
| Price / FCFMarket cap ÷ FCF | 571.47x | 6.89x |
Profitability & Efficiency
FINV leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
FINV delivers a 17.4% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $-68 for AHG. AHG carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to FINV's 0.00x. On the Piotroski fundamental quality scale (0–9), FINV scores 5/9 vs AHG's 4/9, reflecting solid financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | -67.8% | +17.4% |
| ROA (TTM)Return on assets | -62.8% | +11.2% |
| ROICReturn on invested capital | -73.9% | +12.9% |
| ROCEReturn on capital employed | -98.0% | +13.8% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.00x | 0.00x |
| Net DebtTotal debt minus cash | -$176M | -$4.6B |
| Cash & Equiv.Liquid assets | $176M | $4.7B |
| Total DebtShort + long-term debt | $81,737 | $34M |
| Interest CoverageEBIT ÷ Interest expense | — | — |
Total Returns (Dividends Reinvested)
AHG leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in AHG five years ago would be worth $14,236 today (with dividends reinvested), compared to $9,769 for FINV. Over the past 12 months, AHG leads with a +48.6% total return vs FINV's -35.3%. The 3-year compound annual growth rate (CAGR) favors AHG at 87.1% vs FINV's 13.2% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +28.1% | +3.6% |
| 1-Year ReturnPast 12 months | +48.6% | -35.3% |
| 3-Year ReturnCumulative with dividends | +555.0% | +45.1% |
| 5-Year ReturnCumulative with dividends | +42.4% | -2.3% |
| 10-Year ReturnCumulative with dividends | -97.1% | -47.5% |
| CAGR (3Y)Annualised 3-year return | +87.1% | +13.2% |
Risk & Volatility
AHG leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
AHG is the less volatile stock with a 0.14 beta — it tends to amplify market swings less than FINV's 1.12 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. AHG currently trades 82.0% from its 52-week high vs FINV's 47.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.14x | 1.12x |
| 52-Week HighHighest price in past year | $2.50 | $10.90 |
| 52-Week LowLowest price in past year | $1.07 | $4.50 |
| % of 52W HighCurrent price vs 52-week peak | +82.0% | +47.0% |
| RSI (14)Momentum oscillator 0–100 | 46.2 | 58.4 |
| Avg Volume (50D)Average daily shares traded | 147K | 1.3M |
Analyst Outlook
FINV leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
FINV is the only dividend payer here at 4.80% yield — a key consideration for income-focused portfolios.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $5.94 |
| # AnalystsCovering analysts | — | 4 |
| Dividend YieldAnnual dividend ÷ price | — | +4.8% |
| Dividend StreakConsecutive years of raises | 1 | 4 |
| Dividend / ShareAnnual DPS | — | $1.67 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +3.3% |
FINV leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). AHG leads in 2 (Total Returns, Risk & Volatility).
AHG vs FINV: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is AHG or FINV a better buy right now?
For growth investors, Akso Health Group (AHG) is the stronger pick with 512.
1% revenue growth year-over-year, versus 3. 7% for FinVolution Group (FINV). FinVolution Group (FINV) offers the better valuation at 3. 9x trailing P/E (0. 6x forward), making it the more compelling value choice. Analysts rate FinVolution Group (FINV) a "Buy" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — AHG or FINV?
On forward P/E, Akso Health Group is actually cheaper at 0.
5x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — AHG or FINV?
Over the past 5 years, Akso Health Group (AHG) delivered a total return of +42.
4%, compared to -2. 3% for FinVolution Group (FINV). Over 10 years, the gap is even starker: FINV returned -47. 5% versus AHG's -97. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AHG or FINV?
By beta (market sensitivity over 5 years), Akso Health Group (AHG) is the lower-risk stock at 0.
14β versus FinVolution Group's 1. 12β — meaning FINV is approximately 685% more volatile than AHG relative to the S&P 500. On balance sheet safety, Akso Health Group (AHG) carries a lower debt/equity ratio of 0% versus 0% for FinVolution Group — giving it more financial flexibility in a downturn.
05Which is growing faster — AHG or FINV?
By revenue growth (latest reported year), Akso Health Group (AHG) is pulling ahead at 512.
1% versus 3. 7% for FinVolution Group (FINV). On earnings-per-share growth, the picture is similar: FinVolution Group grew EPS 8. 4% year-over-year, compared to -23. 1% for Akso Health Group. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — AHG or FINV?
FinVolution Group (FINV) is the more profitable company, earning 18.
2% net margin versus -913. 4% for Akso Health Group — meaning it keeps 18. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FINV leads at 19. 4% versus -1125. 4% for AHG. At the gross margin level — before operating expenses — FINV leads at 79. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is AHG or FINV more undervalued right now?
On forward earnings alone, Akso Health Group (AHG) trades at 0.
5x forward P/E versus 0. 6x for FinVolution Group — 0. 1x cheaper on a one-year earnings basis.
08Which pays a better dividend — AHG or FINV?
In this comparison, FINV (4.
8% yield) pays a dividend. AHG does not pay a meaningful dividend and should not be held primarily for income.
09Is AHG or FINV better for a retirement portfolio?
For long-horizon retirement investors, Akso Health Group (AHG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
14)). Both have compounded well over 10 years (AHG: -97. 1%, FINV: -47. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between AHG and FINV?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: AHG is a small-cap high-growth stock; FINV is a small-cap deep-value stock. FINV pays a dividend while AHG does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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