FinVolution Group (FINV) Financial Ratios
11 years of historical data (2015–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
1.02
—
5yr avg: N/A
P/FCF
↓
4.49
↑+84% vs avg
5yr avg: 2.44
30Y Low0.4·High6.7
P/B Ratio
↓
0.50
↑+355% vs avg
5yr avg: 0.11
30Y Low0.1·High0.3
ROE
↓
15.3%
-20% vs avg
5yr avg: 19.0%
30Y Low-27%·High96%
Debt/EBITDA
↑
0.44
↑+299% vs avg
5yr avg: 0.11
30Y Low0.0·High0.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
FINV Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
FinVolution Group trades at 3.4x earnings, 442% above its 5-year average of 0.6x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 75%. On a free-cash-flow basis, the stock trades at 4.5x P/FCF, 84% above the 5-year average of 2.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.2B | $1.4B | $1.8B | $1.4B | $1.4B | $1.5B | $796M | $823M | $1.2B | $1.1B | — |
| Enterprise Value | $456M | $-3481487052 | $-2845542018 | $-3552795960 | $-2016733328 | $-2923024028 | $-1792510226 | $-1181614778 | $-439457594 | $-782249328 | — |
| P/E Ratio → | 3.38 | 0.56 | 0.75 | 0.59 | 0.64 | 0.58 | 0.40 | 0.35 | 0.47 | — | — |
| P/S Ratio | 0.60 | 0.11 | 0.14 | 0.11 | 0.13 | 0.15 | 0.11 | 0.14 | 0.25 | 0.28 | — |
| P/B Ratio | 0.50 | 0.08 | 0.12 | 0.10 | 0.12 | 0.14 | 0.09 | 0.10 | 0.19 | 0.30 | — |
| P/FCF | 4.49 | 0.79 | 0.63 | 1.57 | 6.68 | 2.54 | 0.37 | — | 0.64 | 0.63 | — |
| P/OCF | 4.26 | 0.75 | 0.62 | 0.97 | 5.37 | 2.32 | 0.36 | — | 0.61 | 0.59 | — |
P/E links to full P/E history page with 30-year chart
FINV EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
FinVolution Group's enterprise value stands at 1.0x EBITDA. The Financial Services sector median is 11.4x, placing the stock at a 91% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.26 | -0.22 | -0.28 | -0.18 | -0.31 | -0.24 | -0.20 | -0.10 | -0.20 | — |
| EV / EBITDA | 1.02 | -1.15 | -1.09 | -1.45 | -0.78 | -1.09 | -0.75 | -0.43 | — | — | — |
| EV / EBIT | 1.07 | -1.15 | -1.12 | -1.49 | -0.80 | -1.12 | -0.78 | -0.45 | -0.24 | -0.51 | — |
| EV / FCF | — | -1.96 | -0.99 | -4.06 | -9.33 | -5.08 | -0.82 | — | -0.24 | -0.44 | — |
FINV Profitability
Margins and return-on-capital ratios measuring operating efficiency
FinVolution Group earns an operating margin of 21.8%, roughly in line with the Financial Services sector average. Operating margins have expanded from 18.9% to 21.8% over the past 3 years, signaling improving operational efficiency. ROE of 15.3% indicates solid capital efficiency, compared to the sector median of 9.0%. ROIC of 12.8% represents solid returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 78.6% | 78.6% | 79.3% | 82.8% | 80.6% | 79.9% | 82.5% | 79.7% | 78.3% | 75.2% | 68.1% |
| Operating Margin | 21.8% | 21.8% | 19.4% | 18.9% | 22.3% | 27.4% | 30.5% | 44.4% | -55.1% | -59.9% | -80.5% |
| Net Profit Margin | 18.7% | 18.7% | 18.2% | 18.6% | 20.1% | 26.3% | 26.1% | 39.8% | 54.3% | 27.6% | 41.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 15.3% | 15.3% | 16.2% | 17.8% | 19.6% | 26.2% | 24.0% | 33.9% | 51.1% | 48.6% | 96.4% |
| ROA | 10.1% | 10.1% | 10.6% | 11.0% | 11.5% | 15.2% | 11.9% | 15.1% | 22.7% | 20.1% | 34.8% |
| ROIC | 12.8% | 12.8% | 12.9% | 13.5% | 16.1% | 20.4% | 20.6% | 27.7% | -38.8% | -79.2% | -138.4% |
| ROCE | 13.0% | 13.0% | 13.8% | 14.0% | 16.4% | 20.8% | 23.8% | 36.6% | -48.0% | -79.0% | -90.9% |
FINV Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
FinVolution Group carries a Debt/EBITDA ratio of 0.4x, which is very conservative (90% below the sector average of 4.3x). The company holds a net cash position — cash of $6.2B exceeds total debt of $1.3B, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.08 | 0.08 | 0.00 | 0.00 | 0.01 | 0.00 | 0.01 | 0.04 | 0.00 | — | — |
| Debt / EBITDA | 0.44 | 0.44 | 0.01 | 0.02 | 0.07 | 0.01 | 0.02 | 0.12 | — | — | — |
| Net Debt / Equity | — | -0.29 | -0.30 | -0.36 | -0.28 | -0.41 | -0.31 | -0.25 | -0.27 | -0.51 | -0.52 |
| Net Debt / EBITDA | -1.62 | -1.62 | -1.77 | -2.01 | -1.34 | -1.63 | -1.08 | -0.73 | — | — | — |
| Debt / FCF | — | -2.75 | -1.62 | -5.63 | -16.01 | -7.63 | -1.19 | — | -0.89 | -1.07 | -0.38 |
| Interest Coverage | — | — | — | — | — | — | 10.11 | 11.23 | 30.73 | 98.04 | 13.02 |
Net cash position: cash ($6.2B) exceeds total debt ($1.3B)
FINV Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
FinVolution Group's current ratio of 73.69x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 4.97x to 73.69x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 73.69 | 73.69 | 4.31 | 4.97 | 3.83 | 4.10 | 3.49 | 1.70 | 1.78 | 1.92 | 2.17 |
| Quick Ratio | 73.69 | 73.69 | 4.31 | 4.97 | 3.83 | 4.10 | 3.49 | 1.70 | 1.78 | 1.92 | 2.17 |
| Cash Ratio | 36.37 | 36.37 | 1.06 | 1.36 | 0.74 | 1.10 | 0.68 | 0.23 | 0.23 | 0.44 | 0.79 |
| Asset Turnover | — | 0.52 | 0.55 | 0.59 | 0.53 | 0.53 | 0.51 | 0.33 | 0.35 | 0.46 | 0.57 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
FINV Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
FinVolution Group returns 15.7% to shareholders annually — split between a 6.1% dividend yield and 9.6% buyback yield. The payout ratio of 20.6% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 29.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 6.1% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 20.6% | 20.6% | 18.5% | 18.4% | 16.4% | 12.7% | 13.4% | 16.5% | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 29.6% | 178.8% | 133.3% | 170.4% | 157.3% | 171.4% | 247.2% | 288.7% | 213.9% | — | — |
| FCF Yield | 22.3% | 127.1% | 159.8% | 63.7% | 15.0% | 39.3% | 273.1% | — | 156.0% | 160.0% | — |
| Buyback Yield | 9.6% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 15.7% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $267M | $264M | $281M | $291M | $297M | $298M | $310M | $320M | $156M | $300M |
Peer Comparison
Compare FINV with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 FINVYou | $1B | 3.4 | 1.0 | 4.5 | 78.6% | 21.8% | 15.3% | 12.8% | 0.4 |
 QFIN | $2B | 1.2 | 1.7 | 1.2 | 81.5% | 33.9% | 24.0% | 17.7% | 0.5 |
 LX | $337M | 1.5 | 1.4 | 0.7 | 72.3% | 17.7% | 14.4% | 10.4% | 2.0 |
 CNF | $1M | -0.0 | — | 0.1 | 87.0% | -11.2% | -12.0% | -0.6% | — |
 JFIN | $209M | 6.5 | 7.9 | 2.3 | 77.9% | 28.9% | 5.7% | 4.9% | 2.7 |
 UPST | $3B | 72.1 | 54.3 | — | 95.2% | 5.1% | 7.5% | 1.7% | 23.4 |
 LC | $2B | 16.7 | 3.3 | — | 64.7% | 25.0% | 9.5% | 17.3% | 0.0 |
 SOFI | $23B | 45.9 | 26.0 | — | 75.1% | 11.0% | 5.7% | 3.6% | 2.4 |
 TREE | $541M | 3.6 | 8.6 | 8.9 | 94.3% | 7.3% | 76.5% | 9.0% | 4.2 |
 CACC | $6B | 15.4 | 10.5 | 5.7 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 BABA | $250B | 16.5 | 16.6 | — | 39.8% | 5.8% | 9.4% | 3.8% | 2.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 11 years · Updated daily
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FINV — Frequently Asked Questions
Quick answers to the most common questions about buying FINV stock.
What is FinVolution Group's P/E ratio?
FinVolution Group's current P/E ratio is 3.4x. The historical average is 0.5x. This places it at the 100th percentile of its historical range.
What is FinVolution Group's EV/EBITDA?
FinVolution Group's current EV/EBITDA is 1.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA.
What is FinVolution Group's ROE?
FinVolution Group's return on equity (ROE) is 15.3%. The historical average is 29.3%.
Is FINV stock overvalued?
Based on historical data, FinVolution Group is trading at a P/E of 3.4x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is FinVolution Group's dividend yield?
FinVolution Group's current dividend yield is 6.05% with a payout ratio of 20.6%.
What are FinVolution Group's profit margins?
FinVolution Group has 78.6% gross margin and 21.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does FinVolution Group have?
FinVolution Group's Debt/EBITDA ratio is 0.4x, indicating low leverage. A ratio below 2x is generally considered financially healthy.