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FINV

FinVolution Group

Price Chart
Latest Quote

$3.67

+0.27 (+7.94%)
Current Price
Previous Close $3.40
Open $3.39
Day High $3.69
Day Low $3.38
Volume 2,065,615
Fetched: 2026-09-01T10:46:52
Stock Information
Note: Financial values converted from CNY to USD
Quarterly Dividend / Yield $0.31 / 8.34%
Shares Outstanding 122.75M
Quarterly Dividend Yield 8.34%
Quarterly Dividend $0.31
Total Debt $234.24M
Cash Equivalents $955.32M
Revenue $1.96B
Net Income $283.50M
Sector Financial Services
Industry Credit Services
Market Cap $866.47M
P/E Ratio 3.08
EPS (TTM) $1.19
Exchange NYQ
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📊 Comprehensive Analysis
Company Data
Enterprise Value$-3.87B
Sales$1.96B
Income$283.50M
Book/sh$10.12
Cash/sh$52.31
Employees4K
Financial Ratios
Quick Ratio3.42
Current Ratio7.50
Debt/Eq9.40
EPS Growth TTM-40.90%
Returns & Margins
ROA14.07%
ROE11.58%
Gross Margin70.22%
Operating Margin50.01%
Profit Margin14.48%
Ownership
Insider Ownership11.44%
Institutional Ownership45.05%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E3.26
P/S0.07
P/B0.36
Analyst Data
Recommendationstrong_buy
Target Price$6.11
Technical Indicators
SMA20$4.40
SMA50$4.63
SMA200$4.87
RSI27.38
ATR0.1963
Shares Float109.50M
Short Float3.44%
Short Ratio8.47
Rel Volume2.31
Performance History
Week-15.44%
Month-24.33%
Quarter-31.02%
6 Months-31.89%
YTD-25.23%
Year-53.26%
3 Years-16.96%
5 Years-21.73%
10 Years-57.72%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-08-31 $3.67 2,065,600
2026-08-28 $3.40 3,594,300
2026-08-27 $4.02 2,013,700
2026-08-26 $4.21 1,911,700
2026-08-25 $4.37 505,300
2026-08-24 $4.34 437,900
2026-08-21 $4.35 598,400
2026-08-20 $4.40 526,300
2026-08-19 $4.42 485,000
2026-08-18 $4.38 582,600
2026-08-17 $4.37 664,000
2026-08-14 $4.38 795,200
2026-08-13 $4.53 470,800
2026-08-12 $4.54 580,600
2026-08-11 $4.43 866,300
2026-08-10 $4.72 697,000
2026-08-07 $4.86 376,400
2026-08-06 $4.82 223,400
2026-08-05 $4.89 280,200
2026-08-04 $4.92 208,800
2026-08-03 $4.96 376,000
About FinVolution Group

FinVolution Group, an investment holding company, operates in the online consumer finance industry in the People's Republic of China, Indonesia, Philippines, and internationally. It operates an online consumer finance platform through its ppdai.com and PPDai mobile application; AdaKami, an online loan platform; and JuanHand for lending and other personalized financial services. 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.

Period:
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Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Reconciled Cost Of Revenue $437,597,519 $357,759,174 $322,510,954 $325,535,627
Cost Of Revenue $437,597,519 $357,759,174 $322,510,954 $325,535,627
Total Revenue $2,027,235,782 $1,949,580,308 $1,877,374,044 $1,680,698,039
Operating Revenue $1,833,270,525 $1,846,459,237 $1,798,578,191 $1,601,007,344
Expenses
Interest Expense $4,242,081 $0 $0 -
Total Expenses $1,585,629,055 $1,571,868,365 $1,522,195,549 $1,305,934,485
Other Income Expense $24,723,770 $46,205,638 $58,806,580 $32,881,344
Other Non Operating Income Expenses $32,274,055 $46,205,638 $58,806,580 $32,881,344
Net Non Operating Interest Income Expense $-4,242,081 $0 $0 -
Interest Expense Non Operating $4,242,081 $0 $0 -
Operating Expense $1,148,031,537 $1,214,109,191 $1,199,684,596 $980,398,858
Other Operating Expenses $515,865,197 $683,461,075 $658,959,152 $476,060,077
Selling And Marketing Expense $327,861,828 $300,106,382 $281,212,494 $251,053,669
General And Administrative Expense $65,876,219 $61,615,067 $58,109,897 $59,854,436
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $378,796,302 $355,068,092 $348,764,120 $337,671,268
Net Interest Income $-4,242,081 $0 $0 -
Normalized Income $384,995,086 $355,068,092 $348,764,120 $337,671,268
Net Income From Continuing And Discontinued Operation $378,796,302 $355,068,092 $348,764,120 $337,671,268
Net Income Common Stockholders $378,796,302 $355,068,092 $348,764,120 $337,671,268
Net Income $378,796,302 $355,068,092 $348,764,120 $337,671,268
Net Income Including Noncontrolling Interests $379,213,031 $355,768,202 $355,118,600 $339,887,366
Net Income Continuous Operations $379,213,031 $355,768,202 $355,118,600 $339,887,366
Pretax Income $462,088,415 $423,917,582 $413,985,075 $407,644,898
Special Income Charges $-7,550,285 $0 $0 -
Operating Income $441,606,726 $377,711,943 $355,178,495 $374,763,554
Gross Profit $1,589,638,263 $1,591,821,135 $1,554,863,090 $1,355,162,412
Per Share
Diluted EPS $1.43 $1.35 $1.24 $1.16
Basic EPS $1.50 $1.38 $1.27 $1.19
Other
Tax Effect Of Unusual Items $-1,351,501 $0 $0 $0
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $487,119,853 $436,768,382 $424,278,886 $384,448,884
Total Unusual Items $-7,550,285 $0 $0 -
Total Unusual Items Excluding Goodwill $-7,550,285 $0 $0 -
Reconciled Depreciation $13,239,072 $12,850,800 $10,293,811 $9,685,330
EBITDA (Bullshit earnings) $479,569,568 $436,768,382 $424,278,886 $384,448,884
EBIT $466,330,497 $423,917,582 $413,985,075 $374,763,554
Diluted Average Shares $39,757,978 $39,340,550 $41,805,405 $43,335,359
Basic Average Shares $37,541,331 $38,375,792 $40,964,064 $42,094,486
Diluted NI Availto Com Stockholders $378,796,302 $355,068,092 $348,764,120 $337,671,268
Minority Interests $-416,729 $-700,110 $-6,354,480 $-2,216,097
Tax Provision $82,875,384 $68,149,379 $58,866,474 $67,757,532
Impairment Of Capital Assets $7,550,285 $0 $0 -
Provision For Doubtful Accounts $158,477,012 $94,916,715 $125,270,569 $120,203,821
Research And Development $79,951,281 $74,009,953 $76,132,484 $73,226,855
Selling General And Administration $393,738,047 $361,721,449 $339,322,390 $310,908,105
Other Gand A $65,876,219 $61,615,067 $58,109,897 $59,854,436
Fetched: 2026-08-23
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $2,413,673,849 $2,237,306,703 $2,026,234,709 $1,821,061,132
Total Assets $3,786,406,660 $3,517,256,355 $3,172,572,661 $3,185,868,349
Total Non Current Assets $771,362,085 $675,704,735 $460,026,226 $370,440,273
Non Current Deferred Assets $445,792,638 $374,544,090 $242,010,342 $136,976,818
Non Current Deferred Taxes Assets $445,792,638 $374,544,090 $242,010,342 $136,976,818
Goodwill And Other Intangible Assets $52,147,710 $27,967,014 $22,215,054 $22,215,054
Other Intangible Assets $40,264,311 $20,456,212 $14,704,252 $14,704,252
Current Assets $3,015,044,575 $2,841,551,620 $2,712,546,434 $2,815,428,077
Restricted Cash $284,998,066 $309,052,716 $268,194,972 $423,538,697
Prepaid Assets $164,898,538 $177,800,741 $498,478,654 $434,418,044
Receivables $1,477,459,562 $1,236,495,288 $764,350,702 $905,085,976
Other Receivables $195,951,013 $244,284,844 $261,571,414 $248,793,917
Taxes Receivable $9,580,143 $11,667,511 $5,755,237 $7,602,134
Loans Receivable $964,215,122 $619,449,482 $167,971,038 $318,309,845
Accounts Receivable $302,241,577 $358,455,261 $329,053,014 $330,380,080
Allowance For Doubtful Accounts Receivable $-50,778,629 $-43,247,266 $-46,246,015 $-74,036,474
Gross Accounts Receivable $353,020,206 $401,702,527 $375,299,029 $404,416,553
Cash Cash Equivalents And Short Term Investments $1,087,688,409 $1,118,202,876 $1,181,522,106 $1,052,385,360
Cash And Cash Equivalents $638,445,877 $696,202,515 $740,385,447 $541,789,093
Investmentin Financial Assets - - - -
Debt
Total Debt $197,260,796 $5,119,193 $6,203,105 $26,369,975
Long Term Debt And Capital Lease Obligation $171,871,482 $4,285,736 $5,345,511 $26,369,975
Long Term Debt $165,209,930 - - -
Current Debt And Capital Lease Obligation $25,389,315 $833,458 $857,594 -
Current Debt $25,389,315 $833,458 $857,594 -
Liabilities
Total Liabilities Net Minority Interest $1,276,798,634 $1,199,893,631 $1,105,929,120 $1,331,747,382
Total Non Current Liabilities Net Minority Interest $696,833,940 $540,663,910 $560,449,065 $597,340,361
Other Non Current Liabilities $407,772,434 $463,191,696 $504,355,915 $536,376,387
Non Current Deferred Liabilities $117,190,025 $73,186,478 $50,747,639 $34,593,999
Non Current Deferred Taxes Liabilities $117,190,025 $73,186,478 $50,747,639 $34,593,999
Current Liabilities $579,964,694 $659,229,721 $545,480,055 $734,407,021
Current Deferred Liabilities $166,755,566 $227,380,883 $281,168,243 $269,714,982
Payables And Accrued Expenses $387,819,813 $431,015,380 $263,454,217 $464,692,039
Payables $293,600,825 $360,784,740 $208,482,078 $401,475,763
Other Payable $264,433,686 $253,623,918 $177,549,839 $381,357,910
Total Tax Payable $26,381,001 $105,177,152 $30,912,274 $19,968,861
Equity
Common Stock Equity $2,465,821,560 $2,265,273,717 $2,048,449,763 $1,843,276,186
Total Equity Gross Minority Interest $2,509,608,026 $2,317,362,725 $2,066,643,541 $1,854,120,967
Stockholders Equity $2,465,821,560 $2,265,273,717 $2,048,449,763 $1,843,276,186
Gains Losses Not Affecting Retained Earnings $157,236,361 $140,848,805 $125,521,918 $111,838,554
Other Equity Adjustments $157,236,361 $140,848,805 $125,521,918 $111,838,554
Retained Earnings $1,795,543,983 $1,521,010,323 $1,245,143,340 $967,974,620
Long Term Equity Investment - - - -
Other
Treasury Shares Number $49,707,729 $42,286,786 $33,325,819 $20,393,099
Ordinary Shares Number $181,239,436 $188,660,379 $197,621,346 $210,554,066
Share Issued $230,947,165 $230,947,165 $230,947,165 $230,947,165
Tangible Book Value $2,413,673,849 $2,237,306,703 $2,026,234,709 $1,821,061,132
Invested Capital $2,656,420,804 $2,266,107,174 $2,049,307,357 $1,843,276,186
Working Capital $2,435,079,881 $2,182,321,900 $2,167,066,380 $2,081,021,056
Capital Lease Obligations $6,661,551 $4,285,736 $5,345,511 $26,369,975
Total Capitalization $2,631,031,490 $2,265,273,717 $2,048,449,763 $1,843,276,186
Minority Interest $43,786,466 $52,089,008 $18,193,778 $10,844,781
Treasury Stock $367,302,217 $263,050,451 $178,742,366 $84,715,725
Additional Paid In Capital $880,328,087 $866,449,693 $856,511,524 $848,163,391
Capital Stock $15,346 $15,346 $15,346 $15,346
Common Stock $15,346 $15,346 $15,346 $15,346
Long Term Capital Lease Obligation $6,661,551 $4,285,736 $5,345,511 $26,369,975
Current Deferred Revenue $166,755,566 $227,380,883 $281,168,243 $269,714,982
Current Accrued Expenses $94,218,988 $70,230,639 $54,972,139 $63,216,276
Dueto Related Parties Current $2,786,138 $1,983,671 $19,965 $148,991
Investments And Advances $170,120,684 $174,767,277 $169,124,975 $161,519,117
Other Investments $170,120,684 $174,767,277 $169,124,975 -
Goodwill $11,883,399 $7,510,802 $7,510,802 $7,510,802
Net PPE $103,301,053 $98,426,354 $26,675,855 $49,729,283
Accumulated Depreciation $-52,876,129 $-46,990,376 $-40,739,593 $-37,385,054
Gross PPE $156,177,182 $145,416,730 $67,415,448 $87,114,337
Leases $1,434,042 $5,022,200 $5,049,316 $4,830,001
Other Properties $7,750,529 $5,486,755 $5,678,060 $28,670,104
Machinery Furniture Equipment $73,230,729 $62,823,237 $56,688,072 $53,614,232
Buildings And Improvements $73,761,883 $72,084,538 $0 -
Properties $0 $0 $0 $0
Duefrom Related Parties Current $5,471,707 $2,638,189 - -
Other Short Term Investments $449,242,532 $422,000,361 $441,136,659 $510,596,268
Long Term Provisions - - - -
Available For Sale Securities - - - -
Fetched: 2026-08-23
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $264,347,569 $426,920,204 $122,586,640 $27,435,561
Operating Activities
Operating Cash Flow $278,256,208 $431,055,756 $202,758,129 $35,298,579
Cash Flow From Continuing Operating Activities $278,256,208 $431,055,756 $202,758,129 $35,298,579
Operating Gains Losses $4,282,309 $-1,154,981 $107,572 $1,026,550
Investing Activities
Capital Expenditure $-13,908,639 $-4,135,552 $-80,171,490 $-7,863,017
Investing Cash Flow $-325,351,920 $-342,056,679 $210,374,566 $-231,417,506
Cash Flow From Continuing Investing Activities $-325,351,920 $-342,056,679 $210,374,566 $-231,417,506
Net Other Investing Changes $-247,921,722 $-374,748,804 $224,588,339 $109,838,345
Financing Activities
Repurchase Of Capital Stock $-114,276,946 $-95,832,415 $-103,477,608 $-50,773,414
Financing Cash Flow $-29,008,016 $-92,779,136 $-373,223,580 $-113,820,437
Cash Flow From Continuing Financing Activities $-29,008,016 $-92,779,136 $-373,223,580 $-113,820,437
Net Other Financing Charges $-13,446,319 $68,832,803 $-206,824,401 $-9,128,103
Cash Dividends Paid $-76,015,526 $-65,754,493 $-64,118,866 $-55,496,738
Net Common Stock Issuance $-114,276,946 $-95,832,415 $-103,477,608 $-50,773,414
Other
Repayment Of Debt $-14,285,140 $-4,210,793 $0 $0
Issuance Of Debt $187,486,667 $4,185,762 $857,594 $0
Interest Paid Supplemental Data $6,818,588 $5,707,858 $12,977,145 $12,427,367
Income Tax Paid Supplemental Data $201,050,540 $100,380,823 $143,102,746 $143,515,750
End Cash Position $923,443,943 $1,005,255,231 $1,008,580,419 $965,327,789
Beginning Cash Position $1,005,255,231 $1,008,580,419 $965,327,789 $1,265,165,987
Effect Of Exchange Rate Changes $-5,707,560 $454,871 $3,343,514 $10,101,165
Changes In Cash $-76,103,728 $-3,780,059 $39,909,116 $-309,939,363
Proceeds From Stock Option Exercised $1,529,247 $0 $339,700 $1,577,818
Common Stock Payments $-114,276,946 $-95,832,415 $-103,477,608 $-50,773,414
Net Issuance Payments Of Debt $173,201,527 $-25,031 $857,594 $0
Net Short Term Debt Issuance $25,587,920 $-25,031 $857,594 $0
Short Term Debt Payments $-6,271,790 $-4,210,793 $0 $0
Short Term Debt Issuance $31,859,710 $4,185,762 $857,594 $0
Net Long Term Debt Issuance $147,613,607 $0 $0 -
Long Term Debt Payments $-8,013,350 $0 $0 -
Long Term Debt Issuance $155,626,957 $0 $0 -
Net Investment Purchase And Sale $-29,742,692 $21,819,184 $65,361,752 $-333,392,833
Sale Of Investment $1,178,186,339 $1,121,234,999 $1,852,926,504 $2,237,373,898
Purchase Of Investment $-1,207,929,031 $-1,099,415,815 $-1,787,564,752 $-2,570,766,732
Net Business Purchase And Sale $-33,778,867 $15,008,493 $595,965 $0
Purchase Of Business $-33,778,867 $-104,741 $0 $0
Net Intangibles Purchase And Sale $-1,364,910 $0 $0 $0
Purchase Of Intangibles $-1,364,910 $0 $0 $0
Net PPE Purchase And Sale $-12,543,729 $-4,135,552 $-80,171,490 $-7,863,017
Purchase Of PPE $-12,543,729 $-4,135,552 $-80,171,490 $-7,863,017
Change In Working Capital $-178,346,198 $24,763,253 $-196,988,589 $-298,668,616
Change In Other Working Capital $-88,231,921 $-161,305,165 $-77,426,622 $51,144,254
Change In Other Current Liabilities $-61,593,016 $-54,370,512 $-43,658,184 $48,603,952
Change In Payables And Accrued Expense $-29,183,230 $102,073,364 $7,560,416 $16,450,729
Change In Accrued Expense $38,867,517 $23,484,758 $-1,463,989 $23,174,856
Change In Payable $-68,050,747 $78,588,606 $9,024,405 $-6,724,128
Change In Tax Payable $-78,599,184 $74,359,487 $10,943,413 $-9,925,951
Change In Income Tax Payable $-78,599,184 $74,359,487 $10,943,413 $-9,925,951
Change In Prepaid Assets $27,232,337 $254,141,067 $18,619,744 $-171,736,346
Change In Receivables $-26,570,369 $-115,775,501 $-102,083,943 $-243,131,204
Changes In Account Receivables $-7,043,714 $-76,639,799 $-36,508,984 $-106,898,448
Other Non Cash Items $-199,091,006 $-127,180,638 $-156,348,373 $-174,946,216
Stock Based Compensation $22,206,413 $21,462,499 $17,343,634 $13,264,698
Unrealized Gain Loss On Investment Securities $2,864,805 $-6,792,366 $-4,836,557 $-1,461,009
Provisionand Write Offof Assets $226,337,497 $151,338,986 $178,068,031 $146,472,483
Asset Impairment Charge $7,550,285 $0 $0 $37,993
Depreciation Amortization Depletion $13,239,072 $12,850,800 $10,293,811 $9,685,330
Depreciation And Amortization $13,239,072 $12,850,800 $10,293,811 $9,685,330
Depreciation $13,239,072 $12,850,800 $10,293,811 $9,685,330
Gain Loss On Investment Securities $4,282,309 $-1,154,981 $107,572 $1,026,550
Net Income From Continuing Operations $379,213,031 $355,768,202 $355,118,600 $339,887,366
Sale Of Business - $15,113,234 $595,965 $0
Change In Other Current Assets - - - -
Fetched: 2026-08-23