FinVolution Group(FINV)Earnings, Financials & Key Ratios

FINV•NYSE•Banking & Credit

3.4× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryCredit Services Sub-IndustryConsumer Credit Issuers and Installment Lenders

AboutFinVolution Group operates fintech platform that connects underserved individual borrowers with financial institutions in China. It operates in online consumer finance industry. The company's platform empowered by proprietary technologies, features automated loan transaction process, which enables a user experience. As of March 31, 2022, it had approximately 145.3 million cumulative registered users. 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.Show more

Net Interest Income$1.3B
Total Revenue$13.2B+1.0%
Net Income$2.47B+3.8%
Return on Equity15.26%-5.8%
Net Interest Margin5.11%
Efficiency Ratio56.78%-5.2%
ROA10.09%-5.0%
Equity / Assets66.28%+0.6%
Book Value per Share63.16+7.2%

FINV Key Insights

FinVolution Group (FINV) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Company is almost debt free
✓Strong NIM of 5.1%
✓Well capitalized: 66.3% equity/assets
✓Good 3Y average ROE of 16.4%
✓Diversified revenue: 90.2% from non-interest income
✓Trading at only 0.5x book value

✗Weaknesses

✗Weak Piotroski F-Score: 3/9
✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Get notified when FINV posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

FINV Price & Volume

FinVolution Group (FINV) stock price & volume — 10-year historical chart

Loading chart...

FINV Growth Metrics

FinVolution Group (FINV) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years52.37%

5 Years11.78%

3 Years5.38%

TTM-

Profit CAGR

10 Years-

5 Years4.63%

3 Years2.95%

TTM6.44%

EPS CAGR

10 Years-

5 Years7.21%

3 Years6.23%

TTM6.7%

Return on Capital

10 Years-7.96%

5 Years15.59%

3 Years13.58%

Last Year12.98%

FINV Recent Earnings

FinVolution Group (FINV) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 2/12 qtrs (67%)●Beat Revenue 2/12 qtrs (40%)

Q2 2026Latest

May 25, 2026

Metric

Actual

Est

EPS

$0.26+11.4%

$0.23

Rev

$465M+6.0%

$439M

Q2 2026

Mar 16, 2026

Metric

Actual

Est

EPS

$0.25+8.6%

$0.23

Rev

$432M-1.8%

$440M

Q4 2025

Nov 19, 2025

Metric

Actual

Est

EPS

$0.34-5.4%

$0.36

Rev

$490M-4.0%

$510M

Q3 2025

Aug 20, 2025

Metric

Actual

Est

EPS

$0.41

—

Rev

$499M

—

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	May 25, 2026	$0.26vs $0.23+11.4%	$465Mvs $439M+6.0%
Q2 2026	Mar 16, 2026	$0.25vs $0.23+8.6%	$432Mvs $440M-1.8%
Q4 2025	Nov 19, 2025	$0.34vs $0.36-5.4%	$490Mvs $510M-4.0%
Q3 2025	Aug 20, 2025	$0.41	$499M

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
QFINQfin Holdings, Inc.Direct Competitor	1.98B	15.21	1.20	8.83%	33.86%	24.95%	0.16
LXLexinFintech Holdings Ltd.Direct Competitor	337.33M	2.00	1.48	-9.94%	11.52%	14.68%	0.40
CNFCNFinance Holdings LimitedDirect Competitor	1.04M	3.09	-0.02	-60.88%	-14.04%	-1.25%	1.18
JFINJiayin Group Inc.Direct Competitor	209.42M	4.01	6.52	-85.08%	24.72%	37.66%	0.16
UPSTUpstart Holdings, Inc.Product Competitor	3.1B	32.43	72.07	58.87%	4.25%	6.59%	2.32
LCLendingClub CorporationProduct Competitor	2.21B	19.21	16.70	14.97%	10.17%	9.47%	0.01
SOFISoFi Technologies, Inc.Product Competitor	22.84B	17.91	45.92	28.78%	10.09%	5.87%	0.17
TREELendingTree, Inc.Product Competitor	541.35M	39.07	3.62	24.12%	15.02%	85.96%	1.52

Compare FINV vs Peers

FinVolution Group (FINV) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs QFIN

Most directly comparable listed peer for FINV.

Scale Benchmark

vs BABA

Larger-name benchmark to compare FINV against a more recognizable public peer.

Peer Set

Compare Top 5

vs QFIN, LX, CNF, JFIN

FINV Income Statement

FinVolution Group (FINV) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	31.38M	256.11M	1.11B	1.11B	0	0	0	0	1.3B
NII Growth %	-24.92%	716.23%	332.11%	0.6%	-100%	-	-	-	-
Net Interest Margin %	0.36%	1.95%	6.05%	7.48%	0%	0%	0%	0%	5.11%
Interest Income	46.98M	316.19M	1.34B	1.34B	0	0	0	0	1.3B
Interest Expense	15.6M	60.09M	235.62M	228.32M	0	0	0	0	0
Loan Loss Provision	958.92M	925.49M	972.59M	1.1B	1.92B	2.18B	2.16B	2.7B	2.82B
Non-Interest Income	3.88B	4.23B	4.62B	6.22B	9.54B	11.28B	12.6B	13.07B	11.9B
Non-Interest Income %	98.8%	93.04%	77.49%	82.26%	100%	100%	100%	100%	90.15%
Total Revenue	3.93B▲ 0%	4.54B▲ 15.7%	5.96B▲ 31.2%	7.56B▲ 26.8%	9.54B▲ 26.2%	11.28B▲ 18.2%	12.6B▲ 11.7%	13.07B▲ 3.7%	13.2B▲ 1.0%
Revenue Growth %	223.03%	15.7%	31.23%	26.84%	26.19%	18.2%	11.7%	3.69%	1.03%
Non-Interest Expense	5.3B	6.06B	2.11B	3.93B	5.01B	6.58B	8.05B	7.83B	7.5B
Efficiency Ratio	135.06%	133.43%	35.35%	51.96%	52.54%	58.33%	63.9%	59.92%	56.78%
Operating Income	-2.35B▲ 0%	-2.5B▼ 6.5%	2.65B▲ 205.7%	2.31B▼ 12.8%	2.61B▲ 13.3%	2.52B▼ 3.8%	2.38B▼ 5.2%	2.54B▲ 6.3%	2.88B▲ 13.7%
Operating Margin %	-59.88%	-55.12%	44.38%	30.51%	27.39%	22.3%	18.92%	19.4%	21.84%
Operating Income Growth %	-140.21%	-6.5%	205.67%	-12.81%	13.27%	-3.77%	-5.23%	6.34%	13.73%
Pretax Income	1.36B▲ 0%	2.62B▲ 93.0%	2.86B▲ 9.0%	2.42B▼ 15.1%	2.74B▲ 12.9%	2.74B▼ 0.0%	2.78B▲ 1.6%	2.85B▲ 2.4%	3.02B▲ 6.0%
Pretax Margin %	34.57%	57.68%	47.91%	32.05%	28.67%	24.25%	22.05%	21.78%	22.86%
Income Tax	274.71M	151.21M	481.96M	455.42M	240.82M	454.77M	395.1M	457.4M	541.09M
Effective Tax Rate %	20.23%	5.77%	16.87%	18.79%	8.8%	16.62%	14.22%	16.08%	17.93%
Net Income	1.08B▲ 0%	2.47B▲ 128.0%	2.37B▼ 3.9%	1.97B▼ 16.9%	2.51B▲ 27.2%	2.27B▼ 9.7%	2.34B▲ 3.3%	2.38B▲ 1.8%	2.47B▲ 3.8%
Net Margin %	27.58%	54.34%	39.79%	26.08%	26.29%	20.09%	18.58%	18.24%	18.74%
Net Income Growth %	115.95%	127.99%	-3.9%	-16.86%	27.18%	-9.67%	3.29%	1.81%	3.78%
Net Income (Continuing)	1.08B	2.47B	2.37B	1.97B	2.5B	2.28B	2.38B	2.39B	2.48B
EPS (Diluted)	-12.75▲ 0%	7.70▲ 160.4%	7.65▼ 0.6%	6.60▼ 13.7%	8.45▲ 28.0%	7.80▼ 7.7%	8.35▲ 7.1%	9.05▲ 8.4%	9.35▲ 3.3%
EPS Growth %	-6275%	160.39%	-0.65%	-13.73%	28.03%	-7.69%	7.05%	8.38%	3.31%
EPS (Basic)	-12.75	8.25	7.80	6.70	8.85	8.00	8.50	9.25	9.80
Diluted Shares Outstanding	155.96M	319.92M	310.48M	298.27M	296.5M	290.86M	280.59M	264.05M	266.85M

FINV Balance Sheet

FinVolution Group (FINV) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	3.85B	3.31B	2.44B	4.6B	5.62B	7.06B	7.93B	7.51B	9.22B
Cash & Due from Banks	1.89B	1.62B	2.32B	2.63B	4.42B	3.64B	4.97B	4.67B	6.2B
Short Term Investments	1.96B	1.69B	114.56M	1.97B	1.2B	3.43B	2.96B	2.83B	3.02B
Total Investments	1.97B	1.86B	1.07B	2.92B	2.18B	4.51B	4.1B	4.01B	10.64B
Investments Growth %	320.33%	-5.53%	-42.68%	173.7%	-25.52%	107.31%	-9.2%	-2.21%	165.53%
Long-Term Investments	12.23M	167.5M	952.83M	950.51M	971.12M	1.08B	1.14B	1.17B	7.62B
Accounts Receivables	17.77M	812.04M	882.3M	863.91M	1.89B	2.22B	2.21B	2.41B	3.35B
Goodwill & Intangibles	114.17M	119.29M	114.69M	149.36M	149.36M	149.1M	149.1M	187.71M	350.23M
Goodwill	50.41M	50.41M	50.41M	50.41M	50.41M	50.41M	50.41M	50.41M	0
Intangible Assets	63.76M	68.88M	64.28M	98.95M	98.95M	98.69M	98.69M	137.3M	350.23M
PP&E (Net)	108.25M	144M	230.11M	148.84M	161.53M	333.77M	179.04M	660.62M	693.78M
Other Assets	0	56.29M	0	0	0	0	0	0	1.21B
Total Current Assets	8.24B	12.53B	16.88B	13.48B	16.4B	18.9B	18.21B	19.07B	12.56B
Total Non-Current Assets	363.01M	609.84M	1.43B	1.4B	1.74B	2.49B	3.09B	4.54B	12.86B
Total Assets	8.6B▲ 0%	13.14B▲ 52.8%	18.3B▲ 39.3%	14.88B▼ 18.7%	18.14B▲ 21.9%	21.38B▲ 17.9%	21.29B▼ 0.4%	23.61B▲ 10.9%	25.43B▲ 7.7%
Asset Growth %	300.68%	52.75%	39.28%	-18.7%	21.88%	17.89%	-0.42%	10.86%	7.72%
Return on Assets (ROA)	20.15%	22.71%	15.09%	11.89%	15.2%	11.47%	10.97%	10.62%	10.09%
Accounts Payable	1.11B	905.03M	0	0	0	0	0	0	0
Total Debt	0	25M	320.14M	43.3M	33.36M	176.99M	41.63M	34.36M	1.32B
Net Debt	-1.89B	-1.59B	-2B	-2.59B	-4.38B	-3.46B	-4.93B	-4.64B	-4.88B
Long-Term Debt	0	0	0	0	0	0	0	0	1.11B
Short-Term Debt	0	25M	235M	0	0	0	5.76M	5.59M	170.52M
Other Liabilities	348.68M	-137.69M	-555K	1.18B	3.25B	3.6B	6.1B	3.11B	2.77B
Total Current Liabilities	4.29B	7.03B	9.95B	3.86B	4B	4.93B	3.66B	4.42B	170.52M
Total Non-Current Liabilities	629.71M	127.84M	339.24M	2.59B	3.42B	4.01B	6.48B	3.63B	8.4B
Total Liabilities	4.92B	7.16B	10.29B	6.45B	7.43B	8.94B	7.42B	8.05B	8.58B
Total Equity	3.68B▲ 0%	5.99B▲ 62.6%	8.01B▲ 33.8%	8.43B▲ 5.2%	10.71B▲ 27.0%	12.44B▲ 16.2%	13.87B▲ 11.5%	15.55B▲ 12.1%	16.85B▲ 8.4%
Equity Growth %	376.83%	62.56%	33.84%	5.23%	27.04%	16.2%	11.46%	12.13%	8.36%
Equity / Assets (Capital Ratio)	42.8%	45.55%	43.77%	56.65%	59.04%	58.2%	65.14%	65.89%	66.28%
Return on Equity (ROE)	48.63%	51.08%	33.9%	24%	26.22%	19.58%	17.79%	16.2%	15.26%
Book Value per Share	23.61	18.71	25.80	28.26	36.12	42.79	49.43	58.91	63.16
Tangible BV per Share	22.88	18.34	25.43	27.76	35.62	42.27	48.90	58.19	61.85
Common Stock	100K	102K	103K	103K	103K	103K	103K	103K	103.06K
Additional Paid-in Capital	5.95B	5.9B	5.64B	5.66B	5.69B	5.69B	5.75B	5.82B	5.91B
Retained Earnings	-2.4B	45.67M	1.97B	2.65B	4.69B	6.5B	9.12B	11.06B	12.06B
Accumulated OCI	70.01M	314.22M	387.52M	452.92M	593.63M	750.64M	842.48M	92.63M	1.06B
Treasury Stock	0	-332.12M	-47.17M	-401.62M	-324.17M	-568.6M	-1.2B	-1.77B	-2.47B
Preferred Stock	0	0	0	0	0	0	0	0	0

FINV Cash Flow Statement

FinVolution Group (FINV) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	1.86B	1.88B	-215.52M	2.21B	630.23M	268.83M	1.41B	2.89B	1.87B
Operating CF Growth %	71.34%	1.09%	-111.43%	1123.98%	-71.44%	-57.34%	425.76%	104.69%	-35.45%
Net Income	1.08B	2.47B	2.37B	1.97B	2.5B	2.28B	2.38B	2.38B	2.55B
Depreciation & Amortization	22.55M	42.16M	107.08M	96.43M	69.23M	65.01M	69.09M	0	88.86M
Deferred Taxes	-96.64M	-27.7M	-6.98M	151.34M	580.28M	-463.62M	0	0	0
Other Non-Cash Items	458.96M	54.62M	-531.29M	-630.39M	-1.22B	578.41M	114.04M	-383.81M	281.52M
Working Capital Changes	290.61M	-703.89M	-2.2B	578.78M	-1.39B	-2.28B	-1.27B	749.77M	-1.2B
Cash from Investing	-2.5B	-1.45B	-828.22M	1.04B	1.99B	-1.55B	1.41B	-2.3B	-2.18B
Purchase of Investments	-8.16B	-12.95B	-4.71B	-8.04B	-12.71B	-17.25B	-12B	0	-8.11B
Sale/Maturity of Investments	6.49B	13.12B	5.55B	6.18B	13.53B	3.16M	12.44B	0	7.91B
Net Investment Activity	-1.67B	167.56M	848.35M	-1.86B	826.5M	-17.25B	438.69M	0	-199.63M
Acquisitions	-34.08M	5.12M	0	-21M	0	0	4M	0	-226.72M
Other Investing	-698.76M	-1.53B	-1.63B	2.95B	1.22B	15.75B	1.51B	-2.3B	-1.67B
Cash from Financing	2.13B	530.1M	1.75B	-3.09B	-239.8M	-795.86M	-2.56B	-622.72M	-194.7M
Dividends Paid	0	0	-390.71M	-263.57M	-317.57M	-372.48M	-430.35M	-441.33M	-510.2M
Share Repurchases	0	-452.26M	-42.28M	-379.98M	-25.99M	-340.78M	-694.52M	-643.21M	-767M
Stock Issued	1.68B	0	0	0	0	0	0	0	10.26M
Net Stock Activity	1.68B	-452.26M	-42.28M	-379.98M	-25.99M	-340.78M	-694.52M	-643.21M	-756.74M
Debt Issuance (Net)	0	1000K	1000K	-1000K	0	0	1000K	-168K	1000K
Other Financing	455.71M	959.03M	1.97B	-2.21B	103.76M	-82.59M	-1.44B	461.99M	-90.25M
Net Change in Cash	1.49B▲ 0%	1.01B▼ 32.1%	717.02M▼ 29.0%	105.66M▼ 85.3%	2.38B▲ 2148.0%	-2.01B▼ 184.7%	290.3M▲ 114.4%	-22.32M▼ 107.7%	-549.1M▼ 2360.4%
Exchange Rate Effect	-15.45M	41.98M	11.25M	-51.47M	-10.13M	67.8M	22.44M	3.05M	-38.31M
Cash at Beginning	404.68M	4.28B	5.29B	6.01B	6.12B	8.49B	6.48B	6.77B	6.75B
Cash at End	1.89B	5.29B	6.01B	6.12B	8.49B	6.48B	6.77B	6.75B	6.2B
Interest Paid	5.38M	58.31M	94.96M	268.18M	161.43M	83.41M	87.1M	38.31M	45.77M
Income Taxes Paid	216.06M	180.23M	145.82M	367M	574.94M	963.25M	960.48M	673.74M	1.35B
Free Cash Flow	1.77B▲ 0%	1.8B▲ 1.3%	-264.18M▼ 114.7%	2.17B▲ 923.3%	574.96M▼ 73.6%	216.06M▼ 62.4%	875.33M▲ 305.1%	2.87B▲ 227.4%	1.77B▼ 38.1%
FCF Growth %	67.58%	1.27%	-114.71%	923.26%	-73.56%	-62.42%	305.14%	227.35%	-38.08%

FINV Banking Ratios

FinVolution Group (FINV) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	96.38%	48.63%	51.08%	33.9%	24%	26.22%	19.58%	17.79%	16.2%	15.26%
Return on Assets (ROA)	34.77%	20.15%	22.71%	15.09%	11.89%	15.2%	11.47%	10.97%	10.62%	10.09%
Net Interest Margin	1.95%	0.36%	1.95%	6.05%	7.48%	0%	0%	0%	0%	5.11%
Efficiency Ratio	148.59%	135.06%	133.43%	35.35%	51.96%	52.54%	58.33%	63.9%	59.92%	56.78%
Equity / Assets	35.96%	42.8%	45.55%	43.77%	56.65%	59.04%	58.2%	65.14%	65.89%	66.28%
Book Value / Share	2.58	23.61	18.71	25.8	28.26	36.12	42.79	49.43	58.91	63.16
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%	20.63%

FINV Frequently Asked Questions

FinVolution Group (FINV) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

FinVolution Group (FINV) grew revenue by 1.0% over the past year. Growth has been modest.

Yes, FinVolution Group (FINV) is profitable, generating $2.54B in net income for fiscal year 2025 (18.7% net margin).

Dividend & Returns

Yes, FinVolution Group (FINV) pays a dividend with a yield of 6.05%. This makes it attractive for income-focused investors.

FinVolution Group (FINV) has a return on equity (ROE) of 15.3%. This is reasonable for most industries.

Industry Metrics

FinVolution Group (FINV) has a net interest margin (NIM) of 5.1%. This indicates healthy earnings from lending activities.

FinVolution Group (FINV) has an efficiency ratio of 56.8%. This is reasonable for a bank.

What if you invested $1,000 in FINV back in 2015?

Total return calculator · dividends reinvested · 11+ years of data

See returns →

How much would $100/month in FINV be worth today?

Dollar cost averaging calculator · DCA vs lump sum

Calculate →

FinVolution Group(FINV)Earnings, Financials & Key Ratios

FINV•NYSE•Banking & Credit

3.4× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryCredit Services Sub-IndustryConsumer Credit Issuers and Installment Lenders

Net Interest Income$1.3B
Total Revenue$13.2B+1.0%
Net Income$2.47B+3.8%
Return on Equity15.26%-5.8%
Net Interest Margin5.11%
Efficiency Ratio56.78%-5.2%
ROA10.09%-5.0%
Equity / Assets66.28%+0.6%
Book Value per Share63.16+7.2%