| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| QDQudian Inc. | 304.91M | 3.00 | 6.12 | 71.31% | 42.38% | 4.56% | 0.07 | |
| NISNNisun International Enterprise Development Group Co., Ltd | 5.73M | 1.20 | 5.20 | -12.17% | 0.27% | 8.76% | 0.04 | |
| LULufax Holding Ltd | 2.25B | 2.60 | 0.84 | -39.62% | 2.13% | -3.92% | 100% | 0.48 |
| FINVFinVolution Group | 736.79M | 5.26 | 0.58 | 3.69% | 18.24% | 16.74% | 100% | 0.00 |
| LXLexinFintech Holdings Ltd. | 415.01M | 3.13 | 0.48 | 8.78% | 7.75% | 13.91% | 100% | 0.49 |
| QFINQfin Holdings, Inc. | 2.2B | 16.89 | 0.20 | 5.38% | 36.49% | 28.34% | 100% | 0.07 |
| YRDYiren Digital Ltd. | 343.9M | 3.98 | 0.11 | 18.59% | 27.25% | 12.13% | 100% | 0.00 |
| XYFX Financial | 136.82M | 6.00 | 0.03 | 79.16% | 26.23% | 22.61% | 100% | 0.05 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 4.25M | 41.79M | 31.38M | 256.11M | 1.11B | 1.11B | 0 | 0 | 0 | 0 |
| NII Growth % | - | 8.84% | -0.25% | 7.16% | 3.32% | 0.01% | -1% | - | - | - |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Income | 4.41M | 59.98M | 46.98M | 316.19M | 1.34B | 1.34B | 0 | 0 | 0 | 0 |
| Interest Expense | 159K | 18.19M | 15.6M | 60.09M | 235.62M | 228.32M | 0 | 0 | 0 | 0 |
| Loan Loss Provision | 99.22M | 369.96M | 958.92M | 925.49M | 972.59M | 1.1B | 1.92B | 2.18B | 2.16B | 2.7B |
| Non-Interest Income | 191.28M | 1.16B | 3.88B | 4.23B | 4.62B | 6.22B | 9.54B | 11.28B | 12.6B | 13.07B |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - | - |
| Total Revenue | 195.69M | 1.22B | 3.93B | 4.54B | 5.96B | 7.56B | 9.54B | 11.28B | 12.6B | 13.07B |
| Revenue Growth % | - | 5.21% | 2.23% | 0.16% | 0.31% | 0.27% | 0.26% | 0.18% | 0.12% | 0.04% |
| Non-Interest Expense | 437.07M | 1.81B | 5.3B | 6.06B | 2.11B | 3.93B | 5.01B | 6.58B | 8.05B | 7.83B |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - | - |
| Operating Income | -340.76M | -978.91M | -2.35B | -2.5B | 2.65B | 2.31B | 2.61B | 2.52B | 2.38B | 2.54B |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | -1.87% | -1.4% | -0.07% | 2.06% | -0.13% | 0.13% | -0.04% | -0.05% | 0.06% |
| Pretax Income | -67.78M | 549.76M | 1.36B | 2.62B | 2.86B | 2.42B | 2.74B | 2.74B | 2.78B | 2.85B |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | 4.36M | 48.27M | 274.71M | 151.21M | 481.96M | 455.42M | 240.82M | 454.77M | 395.1M | 457.4M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | -72.14M | 501.49M | 1.08B | 2.47B | 2.37B | 1.97B | 2.51B | 2.27B | 2.34B | 2.38B |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | 7.95% | 1.16% | 1.28% | -0.04% | -0.17% | 0.27% | -0.1% | 0.03% | 0.02% |
| Net Income (Continuing) | -72.14M | 501.49M | 1.08B | 2.47B | 2.37B | 1.97B | 2.5B | 2.28B | 2.38B | 2.39B |
| EPS (Diluted) | -0.60 | -0.20 | -12.75 | 7.70 | 7.65 | 6.60 | 8.45 | 7.80 | 8.35 | 9.05 |
| EPS Growth % | - | 0.67% | -62.75% | 1.6% | -0.01% | -0.14% | 0.28% | -0.08% | 0.07% | 0.08% |
| EPS (Basic) | -0.60 | -0.20 | -12.75 | 8.25 | 7.80 | 6.70 | 8.85 | 8.00 | 8.50 | 9.25 |
| Diluted Shares Outstanding | 299.63M | 299.63M | 155.96M | 319.92M | 310.48M | 298.27M | 296.5M | 290.86M | 280.59M | 264.05M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 92.5M | 404.68M | 1.89B | 1.62B | 2.32B | 2.63B | 4.42B | 3.64B | 4.97B | 4.67B |
| Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 146.53M | 468.95M | 1.97B | 1.86B | 1.07B | 2.92B | 2.18B | 4.51B | 4.1B | 4.01B |
| Investments Growth % | - | 2.2% | 3.2% | -0.06% | -0.43% | 1.74% | -0.26% | 1.07% | -0.09% | -0.02% |
| Long-Term Investments | 112.06M | 208.95M | 12.23M | 167.5M | 952.83M | 950.51M | 971.12M | 1.08B | 1.14B | 1.17B |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 50.41M | 50.41M | 50.41M | 50.41M | 50.41M | 50.41M | 50.41M | 50.41M |
| Intangible Assets | 0 | 0 | 63.76M | 68.88M | 64.28M | 98.95M | 98.95M | 98.69M | 98.69M | 137.3M |
| PP&E (Net) | 19.91M | 37.63M | 108.25M | 144M | 230.11M | 148.84M | 161.53M | 333.77M | 179.04M | 660.62M |
| Other Assets | 178.34M | 763.65M | 0 | 56.29M | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 411.73M | 1.11B | 8.24B | 12.53B | 16.88B | 13.48B | 16.4B | 18.9B | 18.21B | 19.07B |
| Total Non-Current Assets | 325.19M | 1.04B | 363.01M | 609.84M | 1.43B | 1.4B | 1.74B | 2.49B | 3.09B | 4.54B |
| Total Assets | 736.92M | 2.15B | 8.6B | 13.14B | 18.3B | 14.88B | 18.14B | 21.38B | 21.29B | 23.61B |
| Asset Growth % | - | 1.91% | 3.01% | 0.53% | 0.39% | -0.19% | 0.22% | 0.18% | -0% | 0.11% |
| Return on Assets (ROA) | -0.1% | 0.35% | 0.2% | 0.23% | 0.15% | 0.12% | 0.15% | 0.11% | 0.11% | 0.11% |
| Accounts Payable | 176.16M | 421.66M | 1.11B | 905.03M | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 20M | 0 | 0 | 25M | 320.14M | 43.3M | 33.36M | 176.99M | 41.63M | 34.36M |
| Net Debt | -72.5M | -404.68M | -1.89B | -1.59B | -2B | -2.59B | -4.38B | -3.46B | -4.93B | -4.64B |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 20M | 0 | 0 | 25M | 235M | 0 | 0 | 0 | 5.76M | 5.59M |
| Other Liabilities | 232.69M | 703.14M | 348.68M | -137.69M | -555K | 1.18B | 3.25B | 3.6B | 6.1B | 3.11B |
| Total Current Liabilities | 222.17M | 509.03M | 4.29B | 7.03B | 9.95B | 3.86B | 4B | 4.93B | 3.66B | 4.42B |
| Total Non-Current Liabilities | 246.37M | 866.04M | 629.71M | 127.84M | 339.24M | 2.59B | 3.42B | 4.01B | 6.48B | 3.63B |
| Total Liabilities | 468.54M | 1.38B | 4.92B | 7.16B | 10.29B | 6.45B | 7.43B | 8.94B | 7.42B | 8.05B |
| Total Equity | 268.38M | 772.22M | 3.68B | 5.99B | 8.01B | 8.43B | 10.71B | 12.44B | 13.87B | 15.55B |
| Equity Growth % | - | 1.88% | 3.77% | 0.63% | 0.34% | 0.05% | 0.27% | 0.16% | 0.11% | 0.12% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | -0.27% | 0.96% | 0.49% | 0.51% | 0.34% | 0.24% | 0.26% | 0.2% | 0.18% | 0.16% |
| Book Value per Share | 0.90 | 2.58 | 23.61 | 18.71 | 25.80 | 28.26 | 36.12 | 42.79 | 49.43 | 58.91 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Common Stock | 0 | 0 | 100K | 102K | 103K | 103K | 103K | 103K | 103K | 103K |
| Additional Paid-in Capital | 0 | 0 | 5.95B | 5.9B | 5.64B | 5.66B | 5.69B | 5.69B | 5.75B | 5.82B |
| Retained Earnings | -292.87M | -369.07M | -2.4B | 45.67M | 1.97B | 2.65B | 4.69B | 6.5B | 9.12B | 11.06B |
| Accumulated OCI | -24.52M | -69.36M | 70.01M | 314.22M | 387.52M | 452.92M | 593.63M | 750.64M | 842.48M | 92.63M |
| Treasury Stock | 0 | 0 | 0 | -332.12M | -47.17M | -401.62M | -324.17M | -568.6M | -1.2B | -1.77B |
| Preferred Stock | 585.77M | 1.21B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -191.89M | 1.09B | 1.86B | 1.88B | -215.52M | 2.21B | 630.23M | 268.83M | 1.41B | 2.89B |
| Operating CF Growth % | - | 6.67% | 0.71% | 0.01% | -1.11% | 11.24% | -0.71% | -0.57% | 4.26% | 1.05% |
| Net Income | -72.14M | 501.49M | 1.08B | 2.47B | 2.37B | 1.97B | 2.5B | 2.28B | 2.38B | 2.38B |
| Depreciation & Amortization | 3.25M | 12.09M | 22.55M | 42.16M | 107.08M | 96.43M | 69.23M | 65.01M | 69.09M | 0 |
| Deferred Taxes | 0 | 0 | -96.64M | -27.7M | -6.98M | 151.34M | 580.28M | -463.62M | 0 | 0 |
| Other Non-Cash Items | -71.75M | -27.7M | 458.96M | 54.62M | -531.29M | -630.39M | -1.22B | 578.41M | 114.04M | -383.81M |
| Working Capital Changes | -51.25M | 602.35M | 290.61M | -703.89M | -2.2B | 578.78M | -1.39B | -2.28B | -1.27B | 749.77M |
| Cash from Investing | -132.24M | -684.11M | -2.5B | -1.45B | -828.22M | 1.04B | 1.99B | -1.55B | 1.41B | -2.3B |
| Purchase of Investments | -34.47M | -295.19M | -8.16B | -12.95B | -4.71B | -8.04B | -12.71B | -17.25B | -12B | 0 |
| Sale/Maturity of Investments | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 |
| Net Investment Activity | - | - | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | 14M | -34.08M | 5.12M | 0 | -21M | 0 | 0 | 4M | 0 |
| Other Investing | -80.23M | -441.61M | -698.76M | -1.53B | -1.63B | 2.95B | 1.22B | 15.75B | 1.51B | -2.3B |
| Cash from Financing | 338.05M | 438.7M | 2.13B | 530.1M | 1.75B | -3.09B | -239.8M | -795.86M | -2.56B | -622.72M |
| Dividends Paid | 0 | 0 | 0 | 0 | -390.71M | -263.57M | -317.57M | -372.48M | -430.35M | -441.33M |
| Share Repurchases | 0 | 0 | 0 | -452.26M | -42.28M | -379.98M | -25.99M | -340.78M | -694.52M | -643.21M |
| Stock Issued | 0 | 0 | 1.68B | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | -1000K | 0 | 1000K | 1000K | -1000K | 0 | 0 | 1000K | -168K |
| Other Financing | 31.93M | 458.7M | 455.71M | 959.03M | 1.97B | -2.21B | 103.76M | -82.59M | -1.44B | 461.99M |
| Net Change in Cash | 15.21M | 845.31M | 1.49B | 1.01B | 717.02M | 105.66M | 2.38B | -2.01B | 290.3M | -22.32M |
| Exchange Rate Effect | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K |
| Cash at Beginning | 77.29M | 362.26M | 404.68M | 4.28B | 5.29B | 6.01B | 6.12B | 8.49B | 6.48B | 6.77B |
| Cash at End | 92.5M | 1.21B | 1.89B | 5.29B | 6.01B | 6.12B | 8.49B | 6.48B | 6.77B | 6.75B |
| Interest Paid | 0 | 554K | 5.38M | 58.31M | 94.96M | 268.18M | 161.43M | 83.41M | 87.1M | 38.31M |
| Income Taxes Paid | 0 | 0 | 216.06M | 180.23M | 145.82M | 367M | 574.94M | 963.25M | 960.48M | 673.74M |
| Free Cash Flow | -209.44M | 1.06B | 1.77B | 1.8B | -264.18M | 2.17B | 574.96M | 216.06M | 875.33M | 2.87B |
| FCF Growth % | - | 6.05% | 0.68% | 0.01% | -1.15% | 9.23% | -0.74% | -0.62% | 3.05% | 2.27% |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -26.88% | 96.38% | 48.63% | 51.08% | 33.9% | 24% | 26.22% | 19.58% | 17.79% | 16.2% |
| Return on Assets (ROA) | -9.79% | 34.77% | 20.15% | 22.71% | 15.09% | 11.89% | 15.2% | 11.47% | 10.97% | 10.62% |
| Net Interest Margin | 0.58% | 1.95% | 0.36% | 1.95% | 6.05% | 7.48% | 0% | 0% | 0% | 0% |
| Efficiency Ratio | 223.35% | 148.59% | 135.06% | 133.43% | 35.35% | 51.96% | 52.54% | 58.33% | 63.9% | 59.92% |
| Equity / Assets | 36.42% | 35.96% | 42.8% | 45.55% | 43.77% | 56.65% | 59.04% | 58.2% | 65.14% | 65.89% |
| Book Value / Share | 0.9 | 2.58 | 23.61 | 18.71 | 25.8 | 28.26 | 36.12 | 42.79 | 49.43 | 58.91 |
| NII Growth | - | 883.5% | -24.92% | 716.23% | 332.11% | 0.6% | -100% | - | - | - |
| Dividend Payout | - | - | - | - | 16.47% | 13.36% | 12.66% | 16.44% | 18.38% | 18.52% |
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|
| Guarantee Income | - | - | - | - | 3.06B | 4.48B | 5.09B |
| Guarantee Income Growth | - | - | - | - | - | 46.16% | 13.54% |
| Loan Facilitation Service Fees | - | - | - | - | - | - | 4.69B |
| Loan Facilitation Service Fees Growth | - | - | - | - | - | - | - |
| Financial Service, Other | 376.92M | 344.84M | 481.89M | 556.7M | 534.87M | 528.86M | 692.13M |
| Financial Service, Other Growth | - | -8.51% | 39.74% | 15.53% | -3.92% | -1.12% | 30.87% |
| Loan facilitation service fees | 2.92B | - | - | - | 4.43B | 4.52B | - |
| Loan facilitation service fees Growth | - | - | - | - | - | 2.03% | - |
| Post-facilitation service fees | 922.8M | - | 672.98M | - | 1.93B | 1.97B | - |
| Post-facilitation service fees Growth | - | - | - | - | - | 2.06% | - |
| Change in expected discretionary payment to investor reserve fund investors | 68.62M | - | - | - | - | - | - |
| Change in expected discretionary payment to investor reserve fund investors Growth | - | - | - | - | - | - | - |
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|
| The PRC | - | - | - | - | - | - | 10.53B |
| The PRC Growth | - | - | - | - | - | - | - |
| Indonesia | - | - | - | - | - | - | 1.89B |
| Indonesia Growth | - | - | - | - | - | - | - |
| Others | - | - | - | - | - | 251.28M | 644.73M |
| Others Growth | - | - | - | - | - | - | 156.57% |
| CHINA | - | - | - | - | - | 10.41B | - |
| CHINA Growth | - | - | - | - | - | - | - |
| INDONESIA | - | - | - | - | - | 1.89B | - |
| INDONESIA Growth | - | - | - | - | - | - | - |
FinVolution Group (FINV) has a price-to-earnings (P/E) ratio of 0.6x. This may indicate the stock is undervalued or faces growth challenges.
FinVolution Group (FINV) grew revenue by 3.7% over the past year. Growth has been modest.
Yes, FinVolution Group (FINV) is profitable, generating $2.80B in net income for fiscal year 2024 (18.2% net margin).
Yes, FinVolution Group (FINV) pays a dividend with a yield of 31.78%. This makes it attractive for income-focused investors.
FinVolution Group (FINV) has a return on equity (ROE) of 16.2%. This is reasonable for most industries.
FinVolution Group (FINV) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.
FinVolution Group (FINV) has an efficiency ratio of 59.9%. This is reasonable for a bank.