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FINV

FinVolution Group

Price Chart
Latest Quote

$4.75

+0.04 (+0.96%)
Current Price
Previous Close $4.71
Open $4.71
Day High $4.80
Day Low $4.70
Volume 370,325
Fetched: 2026-07-16T20:03:04
Stock Information
Note: Financial values converted from CNY to USD
Quarterly Dividend / Yield $0.31 / 6.44%
Shares Outstanding 122.75M
Quarterly Dividend Yield 6.44%
Quarterly Dividend $0.31
Total Debt $202.77M
Cash Equivalents $1.08B
Revenue $1.97B
Net Income $326.27M
Sector Financial Services
Industry Credit Services
Market Cap $1.12B
P/E Ratio 3.84
EPS (TTM) $1.24
Exchange NYQ
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📊 Comprehensive Analysis
Company Data
Enterprise Value$-4.52B
Sales$1.97B
Income$326.27M
Book/sh$10.03
Cash/sh$59.73
Employees4K
Financial Ratios
Quick Ratio3.31
Current Ratio7.53
Debt/Eq8.30
EPS Growth TTM-44.40%
Returns & Margins
ROA14.89%
ROE13.78%
Gross Margin71.54%
Operating Margin43.72%
Profit Margin16.58%
Ownership
Insider Ownership12.10%
Institutional Ownership52.38%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E3.31
P/S0.08
P/B0.47
Analyst Data
Recommendationstrong_buy
Target Price$7.27
Technical Indicators
SMA20$4.74
SMA50$4.90
SMA200$5.12
RSI48.08
ATR0.1549
Shares Float110.86M
Short Float4.98%
Short Ratio6.95
Volatility0.38
Rel Volume0.66
Performance History
Week+4.85%
Month-1.45%
Quarter-1.04%
6 Months-2.47%
YTD-3.03%
Year-49.63%
3 Years+12.54%
5 Years-22.29%
10 Years-45.17%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-07-17 $4.76 439,700
2026-07-16 $4.75 400,100
2026-07-15 $4.71 655,600
2026-07-14 $4.59 643,500
2026-07-13 $4.57 417,900
2026-07-10 $4.54 775,600
2026-07-09 $4.75 540,000
2026-07-08 $4.71 557,300
2026-07-07 $4.71 396,300
2026-07-06 $4.86 584,700
2026-07-02 $4.83 368,100
2026-07-01 $4.94 672,400
2026-06-30 $4.79 980,400
2026-06-29 $4.73 477,100
2026-06-26 $4.80 681,700
2026-06-25 $4.71 815,500
2026-06-24 $4.85 547,000
2026-06-23 $4.82 669,100
2026-06-22 $4.73 666,500
2026-06-18 $4.67 2,116,300
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 $433,701,059 $354,573,611 $319,639,249 $322,636,989
Cost Of Revenue $433,701,059 $354,573,611 $319,639,249 $322,636,989
Total Revenue $2,009,184,850 $1,932,220,837 $1,860,657,513 $1,665,732,752
Operating Revenue $1,816,946,700 $1,830,017,977 $1,782,563,275 $1,586,751,640
Expenses
Interest Expense $4,204,309 $0 $0 -
Total Expenses $1,571,510,282 $1,557,872,120 $1,508,641,602 $1,294,306,171
Other Income Expense $24,503,625 $45,794,214 $58,282,954 $32,588,561
Other Non Operating Income Expenses $31,986,680 $45,794,214 $58,282,954 $32,588,561
Net Non Operating Interest Income Expense $-4,204,309 $0 $0 -
Interest Expense Non Operating $4,204,309 $0 $0 -
Operating Expense $1,137,809,223 $1,203,298,509 $1,189,002,353 $971,669,182
Other Operating Expenses $511,271,825 $677,375,394 $653,091,642 $471,821,139
Selling And Marketing Expense $324,942,478 $297,434,172 $278,708,519 $248,818,234
General And Administrative Expense $65,289,643 $61,066,433 $57,592,474 $59,321,480
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $375,423,421 $351,906,491 $345,658,651 $334,664,573
Net Interest Income $-4,204,309 $0 $0 -
Normalized Income $381,567,009 $351,906,491 $345,658,651 $334,664,573
Net Income From Continuing And Discontinued Operation $375,423,421 $351,906,491 $345,658,651 $334,664,573
Net Income Common Stockholders $375,423,421 $351,906,491 $345,658,651 $334,664,573
Net Income $375,423,421 $351,906,491 $345,658,651 $334,664,573
Net Income Including Noncontrolling Interests $375,836,439 $352,600,368 $351,956,550 $336,860,937
Net Income Continuous Operations $375,836,439 $352,600,368 $351,956,550 $336,860,937
Pretax Income $457,973,883 $420,142,931 $410,298,865 $404,015,142
Special Income Charges $-7,483,055 $0 $0 -
Operating Income $437,674,568 $374,348,717 $352,015,911 $371,426,581
Gross Profit $1,575,483,791 $1,577,647,226 $1,541,018,264 $1,343,095,762
Per Share
Diluted EPS $1.42 $1.34 $1.23 $1.15
Basic EPS $1.49 $1.37 $1.26 $1.18
Other
Tax Effect Of Unusual Items $-1,339,467 $0 $0 $0
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $482,782,436 $432,879,305 $420,501,018 $381,025,671
Total Unusual Items $-7,483,055 $0 $0 -
Total Unusual Items Excluding Goodwill $-7,483,055 $0 $0 -
Reconciled Depreciation $13,121,188 $12,736,374 $10,202,153 $9,599,090
EBITDA (Bullshit earnings) $475,299,380 $432,879,305 $420,501,018 $381,025,671
EBIT $462,178,192 $420,142,931 $410,298,865 $371,426,581
Diluted Average Shares $39,403,965 $38,990,253 $41,433,161 $42,949,492
Basic Average Shares $37,207,055 $38,034,086 $40,599,312 $41,719,668
Diluted NI Availto Com Stockholders $375,423,421 $351,906,491 $345,658,651 $334,664,573
Minority Interests $-413,018 $-693,876 $-6,297,899 $-2,196,364
Tax Provision $82,137,445 $67,542,563 $58,342,315 $67,154,205
Impairment Of Capital Assets $7,483,055 $0 $0 -
Provision For Doubtful Accounts $157,065,900 $94,071,556 $124,155,134 $119,133,501
Research And Development $79,239,378 $73,350,953 $75,454,584 $72,574,828
Selling General And Administration $390,232,121 $358,500,605 $336,300,993 $308,139,714
Other Gand A $65,289,643 $61,066,433 $57,592,474 $59,321,480
Fetched: 2026-07-16
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $2,392,181,992 $2,217,385,256 $2,008,192,691 $1,804,846,022
Total Assets $3,752,691,702 $3,485,937,968 $3,144,323,410 $3,157,500,710
Total Non Current Assets $764,493,716 $669,688,118 $455,930,057 $367,141,795
Non Current Deferred Assets $441,823,207 $371,209,071 $239,855,431 $135,757,148
Non Current Deferred Taxes Assets $441,823,207 $371,209,071 $239,855,431 $135,757,148
Goodwill And Other Intangible Assets $51,683,376 $27,717,989 $22,017,247 $22,017,247
Other Intangible Assets $39,905,789 $20,274,065 $14,573,323 $14,573,323
Current Assets $2,988,197,986 $2,816,249,850 $2,688,393,353 $2,790,358,915
Restricted Cash $282,460,383 $306,300,846 $265,806,908 $419,767,419
Prepaid Assets $163,430,247 $176,217,566 $494,040,096 $430,549,894
Receivables $1,464,303,952 $1,225,485,275 $757,544,764 $897,026,901
Other Receivables $194,206,225 $242,109,680 $259,242,327 $246,578,604
Taxes Receivable $9,494,839 $11,563,621 $5,703,991 $7,534,443
Loans Receivable $955,629,549 $613,933,775 $166,475,388 $315,475,548
Accounts Receivable $299,550,355 $355,263,500 $326,123,057 $327,438,306
Allowance For Doubtful Accounts Receivable $-50,326,486 $-42,862,184 $-45,834,231 $-73,377,237
Gross Accounts Receivable $349,876,840 $398,125,684 $371,957,288 $400,815,544
Cash Cash Equivalents And Short Term Investments $1,078,003,404 $1,108,246,164 $1,171,001,585 $1,043,014,701
Cash And Cash Equivalents $632,761,021 $690,003,382 $733,792,900 $536,964,889
Investmentin Financial Assets - - - -
Debt
Total Debt $195,504,345 $5,073,611 $6,147,871 $26,135,172
Long Term Debt And Capital Lease Obligation $170,341,102 $4,247,575 $5,297,913 $26,135,172
Long Term Debt $163,738,866 - - -
Current Debt And Capital Lease Obligation $25,163,243 $826,036 $849,958 -
Current Debt $25,163,243 $826,036 $849,958 -
Liabilities
Total Liabilities Net Minority Interest $1,265,429,752 $1,189,209,526 $1,096,081,695 $1,319,889,224
Total Non Current Liabilities Net Minority Interest $690,629,185 $535,849,725 $555,458,709 $592,021,517
Other Non Current Liabilities $404,141,543 $459,067,340 $499,865,024 $531,600,379
Non Current Deferred Liabilities $116,146,540 $72,534,810 $50,295,771 $34,285,967
Non Current Deferred Taxes Liabilities $116,146,540 $72,534,810 $50,295,771 $34,285,967
Current Liabilities $574,800,567 $653,359,801 $540,622,986 $727,867,707
Current Deferred Liabilities $165,270,740 $225,356,236 $278,664,663 $267,313,383
Payables And Accrued Expenses $384,366,584 $427,177,528 $261,108,366 $460,554,324
Payables $290,986,542 $357,572,238 $206,625,710 $397,900,938
Other Payable $262,079,113 $251,365,598 $175,968,898 $377,962,220
Total Tax Payable $26,146,099 $104,240,632 $30,637,025 $19,791,054
Equity
Common Stock Equity $2,443,865,368 $2,245,103,245 $2,030,209,937 $1,826,863,269
Total Equity Gross Minority Interest $2,487,261,950 $2,296,728,442 $2,048,241,714 $1,837,611,486
Stockholders Equity $2,443,865,368 $2,245,103,245 $2,030,209,937 $1,826,863,269
Gains Losses Not Affecting Retained Earnings $155,836,296 $139,594,658 $124,404,244 $110,842,720
Other Equity Adjustments $155,836,296 $139,594,658 $124,404,244 $110,842,720
Retained Earnings $1,779,556,083 $1,507,466,929 $1,234,056,323 $959,355,572
Long Term Equity Investment - - - -
Other
Treasury Shares Number $49,265,121 $41,910,255 $33,029,079 $20,211,514
Ordinary Shares Number $179,625,642 $186,980,508 $195,861,684 $208,679,249
Share Issued $228,890,763 $228,890,763 $228,890,763 $228,890,763
Tangible Book Value $2,392,181,992 $2,217,385,256 $2,008,192,691 $1,804,846,022
Invested Capital $2,632,767,477 $2,245,929,281 $2,031,059,895 $1,826,863,269
Working Capital $2,413,397,419 $2,162,890,049 $2,147,770,367 $2,062,491,208
Capital Lease Obligations $6,602,236 $4,247,575 $5,297,913 $26,135,172
Total Capitalization $2,607,604,235 $2,245,103,245 $2,030,209,937 $1,826,863,269
Minority Interest $43,396,582 $51,625,196 $18,031,777 $10,748,217
Treasury Stock $364,031,681 $260,708,194 $177,150,806 $83,961,399
Additional Paid In Capital $872,489,461 $858,734,644 $848,884,967 $840,611,167
Capital Stock $15,209 $15,209 $15,209 $15,209
Common Stock $15,209 $15,209 $15,209 $15,209
Long Term Capital Lease Obligation $6,602,236 $4,247,575 $5,297,913 $26,135,172
Current Deferred Revenue $165,270,740 $225,356,236 $278,664,663 $267,313,383
Current Accrued Expenses $93,380,043 $69,605,291 $54,482,656 $62,653,385
Dueto Related Parties Current $2,761,330 $1,966,008 $19,787 $147,665
Investments And Advances $168,605,894 $173,211,113 $167,619,051 $160,080,917
Other Investments $168,605,894 $173,211,113 $167,619,051 -
Goodwill $11,777,587 $7,443,924 $7,443,924 $7,443,924
Net PPE $102,381,239 $97,549,946 $26,438,327 $49,286,483
Accumulated Depreciation $-52,405,309 $-46,571,963 $-40,376,839 $-37,052,169
Gross PPE $154,786,548 $144,121,909 $66,815,167 $86,338,652
Leases $1,421,273 $4,977,481 $5,004,356 $4,786,994
Other Properties $7,681,517 $5,437,900 $5,627,501 $28,414,819
Machinery Furniture Equipment $72,578,667 $62,263,846 $56,183,310 $53,136,840
Buildings And Improvements $73,105,091 $71,442,682 $0 -
Properties $0 $0 $0 $0
Duefrom Related Parties Current $5,422,985 $2,614,698 - -
Other Short Term Investments $445,242,382 $418,242,782 $437,208,686 $506,049,812
Long Term Provisions - - - -
Available For Sale Securities - - - -
Fetched: 2026-07-16
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $261,993,763 $423,118,817 $121,495,102 $27,191,270
Operating Activities
Operating Cash Flow $275,778,556 $427,217,546 $200,952,728 $34,984,273
Cash Flow From Continuing Operating Activities $275,778,556 $427,217,546 $200,952,728 $34,984,273
Operating Gains Losses $4,244,178 $-1,144,697 $106,614 $1,017,410
Investing Activities
Capital Expenditure $-13,784,793 $-4,098,729 $-79,457,626 $-7,793,003
Investing Cash Flow $-322,454,919 $-339,010,935 $208,501,347 $-229,356,916
Cash Flow From Continuing Investing Activities $-322,454,919 $-339,010,935 $208,501,347 $-229,356,916
Net Other Investing Changes $-245,714,175 $-371,411,962 $222,588,557 $108,860,322
Financing Activities
Repurchase Of Capital Stock $-113,259,400 $-94,979,103 $-102,556,221 $-50,321,317
Financing Cash Flow $-28,749,723 $-91,953,011 $-369,900,319 $-112,806,956
Cash Flow From Continuing Financing Activities $-28,749,723 $-91,953,011 $-369,900,319 $-112,806,956
Net Other Financing Charges $-13,326,590 $68,219,901 $-204,982,793 $-9,046,824
Cash Dividends Paid $-75,338,667 $-65,169,001 $-63,547,938 $-55,002,583
Net Common Stock Issuance $-113,259,400 $-94,979,103 $-102,556,221 $-50,321,317
Other
Repayment Of Debt $-14,157,942 $-4,173,299 $0 $0
Issuance Of Debt $185,817,246 $4,148,492 $849,958 $0
Interest Paid Supplemental Data $6,757,874 $5,657,034 $12,861,594 $12,316,711
Income Tax Paid Supplemental Data $199,260,344 $99,487,011 $141,828,529 $142,237,855
End Cash Position $915,221,404 $996,304,228 $999,599,808 $956,732,309
Beginning Cash Position $996,304,228 $999,599,808 $956,732,309 $1,253,900,684
Effect Of Exchange Rate Changes $-5,656,739 $450,820 $3,313,743 $10,011,222
Changes In Cash $-75,426,085 $-3,746,401 $39,553,757 $-307,179,598
Proceeds From Stock Option Exercised $1,515,630 $0 $336,675 $1,563,769
Common Stock Payments $-113,259,400 $-94,979,103 $-102,556,221 $-50,321,317
Net Issuance Payments Of Debt $171,659,305 $-24,808 $849,958 $0
Net Short Term Debt Issuance $25,360,080 $-24,808 $849,958 $0
Short Term Debt Payments $-6,215,945 $-4,173,299 $0 $0
Short Term Debt Issuance $31,576,025 $4,148,492 $849,958 $0
Net Long Term Debt Issuance $146,299,225 $0 $0 -
Long Term Debt Payments $-7,941,997 $0 $0 -
Long Term Debt Issuance $154,241,222 $0 $0 -
Net Investment Purchase And Sale $-29,477,857 $21,624,902 $64,779,757 $-330,424,234
Sale Of Investment $1,167,695,521 $1,111,251,288 $1,836,427,658 $2,217,451,853
Purchase Of Investment $-1,197,173,378 $-1,089,626,386 $-1,771,647,901 $-2,547,876,086
Net Business Purchase And Sale $-33,478,093 $14,874,854 $590,659 $0
Purchase Of Business $-33,478,093 $-103,808 $0 $0
Net Intangibles Purchase And Sale $-1,352,756 $0 $0 $0
Purchase Of Intangibles $-1,352,756 $0 $0 $0
Net PPE Purchase And Sale $-12,432,037 $-4,098,729 $-79,457,626 $-7,793,003
Purchase Of PPE $-12,432,037 $-4,098,729 $-79,457,626 $-7,793,003
Change In Working Capital $-176,758,166 $24,542,756 $-195,234,561 $-296,009,208
Change In Other Working Capital $-87,446,285 $-159,868,870 $-76,737,200 $50,688,855
Change In Other Current Liabilities $-61,044,579 $-53,886,386 $-43,269,443 $48,171,172
Change In Payables And Accrued Expense $-28,923,376 $101,164,482 $7,493,097 $16,304,248
Change In Accrued Expense $38,521,433 $23,275,645 $-1,450,953 $22,968,503
Change In Payable $-67,444,809 $77,888,836 $8,944,050 $-6,664,255
Change In Tax Payable $-77,899,321 $73,697,374 $10,845,971 $-9,837,569
Change In Income Tax Payable $-77,899,321 $73,697,374 $10,845,971 $-9,837,569
Change In Prepaid Assets $26,989,855 $251,878,142 $18,453,950 $-170,207,170
Change In Receivables $-26,333,781 $-114,744,612 $-101,174,966 $-240,966,313
Changes In Account Receivables $-6,980,995 $-75,957,382 $-36,183,901 $-105,946,602
Other Non Cash Items $-197,318,258 $-126,048,195 $-154,956,214 $-173,388,458
Stock Based Compensation $22,008,682 $21,271,392 $17,189,202 $13,146,586
Unrealized Gain Loss On Investment Securities $2,839,296 $-6,731,885 $-4,793,491 $-1,448,000
Provisionand Write Offof Assets $224,322,141 $149,991,432 $176,482,476 $145,168,261
Asset Impairment Charge $7,483,055 $0 $0 $37,654
Depreciation Amortization Depletion $13,121,188 $12,736,374 $10,202,153 $9,599,090
Depreciation And Amortization $13,121,188 $12,736,374 $10,202,153 $9,599,090
Depreciation $13,121,188 $12,736,374 $10,202,153 $9,599,090
Gain Loss On Investment Securities $4,244,178 $-1,144,697 $106,614 $1,017,410
Net Income From Continuing Operations $375,836,439 $352,600,368 $351,956,550 $336,860,937
Sale Of Business - $14,978,662 $590,659 $0
Change In Other Current Assets - - - -
Fetched: 2026-07-16