FinVolution Group
NYSE:FINV

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FinVolution Group
NYSE:FINV
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Price: 6.035 USD -4.21%
Market Cap: 1.6B USD
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Intrinsic Value

The intrinsic value of one FINV stock under the Base Case scenario is 19.183 USD. Compared to the current market price of 6.035 USD, FinVolution Group is Undervalued by 69%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

FINV Intrinsic Value
19.183 USD
Undervaluation 69%
Intrinsic Value
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Base Case
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FinVolution Group

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
FinVolution Group

Current Assets 11.9B
Cash & Short-Term Investments 5.7B
Receivables 4.2B
Other Current Assets 2B
Non-Current Assets 10.1B
Long-Term Investments 3.6B
PP&E 670.5m
Intangibles 187.7m
Other Non-Current Assets 5.6B
Current Liabilities 1.9B
Accrued Liabilities 1.4B
Short-Term Debt 5.5m
Other Current Liabilities 490m
Non-Current Liabilities 6B
Other Non-Current Liabilities 6B
Efficiency

Earnings Waterfall
FinVolution Group

Revenue
12.8B CNY
Cost of Revenue
-2.2B CNY
Gross Profit
10.6B CNY
Operating Expenses
-3.5B CNY
Operating Income
7B CNY
Other Expenses
-4.8B CNY
Net Income
2.2B CNY

Free Cash Flow Analysis
FinVolution Group

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

FinVolution Group ended the first half of 2024 positively, with notable growth in both the China and international markets. Transaction volumes in China increased by 6% year-over-year to RMB 92.5 billion, while international markets soared by 32% to RMB 4.5 billion. Net income rose by 4% sequentially to RMB 551 million, and the company saw significant improvements in funding costs and loan collection efficiency. FinVolution's international expansion, particularly in Indonesia and the Philippines, is expected to continue its momentum, with operations in these markets projected to become profitable by 2024 and 2025 respectively. The company remains confident in its strategic direction despite macroeconomic challenges in China.

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Fundamental Scores

FINV Profitability Score
Profitability Due Diligence

FinVolution Group's profitability score is 69/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Exceptional 3-Year Average ROIC
Positive Operating Income
Positive 3-Year Average ROE
69/100
Profitability
Score

FinVolution Group's profitability score is 69/100. The higher the profitability score, the more profitable the company is.

FINV Solvency Score
Solvency Due Diligence

FinVolution Group's solvency score is 87/100. The higher the solvency score, the more solvent the company is.

High Interest Coverage
Short-Term Solvency
Negative Net Debt
Low D/E
87/100
Solvency
Score

FinVolution Group's solvency score is 87/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

FINV Price Targets Summary
FinVolution Group

Wall Street analysts forecast FINV stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for FINV is 7.023 USD with a low forecast of 5.808 USD and a high forecast of 10.605 USD.

Lowest
Price Target
5.808 USD
4% Downside
Average
Price Target
7.023 USD
16% Upside
Highest
Price Target
10.605 USD
76% Upside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Safe
0
25
50
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100
Shareholder Yield

Current shareholder yield for FINV is .

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Profile

FinVolution Group Logo
FinVolution Group

Country

China

Industry

Financial Services

Market Cap

1.6B USD

Dividend Yield

3.93%

Description

FinVolution Group is an online consumer finance platform in China connecting underserved individual borrowers with financial institutions. The company is headquartered in Shanghai, Shanghai. The company went IPO on 2017-11-10. The Company’s products and services include loan services offered to borrowers, investment services offered to individual investors and institutional funding partners. The loan services offered to borrowers include standard loan products, consumption loan products and other loan products. The investment services offered to individual investors include self-discretionary investing tools, automated investing tools, investment programs and a secondary loan market. The firm also introduces borrowers to institutional funding partners and provides preliminary credit assessment services as well as other services.

Contact

SHANGHAI
Shanghai
Building G1, No. 999 Dangui Road, Pudong New District
+862131186888.0
www.xinye.com

IPO

2017-11-10

Employees

3 064

Officers

Chairman & Chief Innovation Officer
Mr. Shaofeng Gu
Co-Founder, CEO & Vice Chairman
Mr. Tiezheng Li
President & Chief Compliance Officer
Ms. Pingping Chen
Co-Founder & Director
Mr. Jun Zhang
Chief Financial Officer
Mr. Jiayuan Xu
CTO & COO
Mr. Yuxiang Wang
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Head of Investor Relations
Jimmy Tan
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See Also

Discover More
What is the Intrinsic Value of one FINV stock?

The intrinsic value of one FINV stock under the Base Case scenario is 19.183 USD.

Is FINV stock undervalued or overvalued?

Compared to the current market price of 6.035 USD, FinVolution Group is Undervalued by 69%.

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