FinVolution
FINV
3.06
-0.08
-2.55%
FinVolution
US · FINV
#3525 by market cap
3.06
-0.08
-2.55%
Live - 5344 symbols - heartbeat 135s ago
· 2026-10-09 20:02
✦ Quant Financial Health how this is computed
Fair
- Altman Z-Score is 2.40, in the 1.8-3.0 "grey zone".
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +3.85% YoY
Margins
- Gross margin
- 78.20%
- Operating margin
- 21.57%
- Net margin
- 18.69%
Key ratios & quality
- Enterprise valuei
- -5.30B
- PEG ratioi
- 0.71
- Altman Z-Scorei
- 2.40
PEG uses trailing P/E against the 3-year net income growth rate (3.91%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 4.54B | 5.96B | 7.56B | 9.47B | 11.13B | 12.55B | 13.07B | 13.57B |
| Gross profit | 3.56B | 4.75B | 6.24B | 7.63B | 9.10B | 10.44B | 10.68B | 10.64B |
| Selling & admin expenses | 1.09B | 1.16B | 943.98M | 2.10B | 2.09B | 2.28B | 2.43B | 2.64B |
| Research & development | 317.97M | 390.59M | 370.18M | 434.85M | 491.48M | 510.99M | 496.74M | 536.62M |
| Operating profit | 1.85B | 2.65B | 2.31B | 2.61B | 2.52B | 2.38B | 2.54B | 2.94B |
| Pretax profit | 2.62B | 2.86B | 2.42B | 2.74B | 2.74B | 2.78B | 2.85B | 3.10B |
| Tax | 151.21M | 481.96M | 455.42M | 240.82M | 454.78M | 395.10M | 457.41M | 556.24M |
| Net profit | 2.47B | 2.37B | 1.97B | 2.50B | 2.28B | 2.38B | 2.39B | 2.55B |
| Basic EPS | 8 | 8 | 7 | 9 | 8 | 9 | 9 | 10 |
| Diluted EPS | 7.70 | 7.65 | 6.60 | 8.45 | 7.80 | 8.35 | 9.05 | 9.60 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 3.48B | 3.58B | 3.49B | 3.02B | 3.21B | 3.40B |
| Gross profit | 2.86B | 2.90B | 2.73B | 2.15B | 2.45B | 2.65B |
| Selling & admin expenses | 636.60M | 716.64M | 652.55M | 636.90M | 606.29M | 587.20M |
| Research & development | 126.04M | 128.97M | 139.03M | 142.57M | 125.46M | 118.93M |
| Operating profit | 882.54M | 864.49M | 732.20M | 454.18M | 529.70M | 572.99M |
| Pretax profit | 891.57M | 929.98M | 776.46M | 503.43M | 514.17M | 543.13M |
| Tax | 153.93M | 178.67M | 135.74M | 87.90M | 93.12M | 116.36M |
| Net profit | 737.64M | 751.31M | 640.72M | 415.53M | 421.06M | 426.77M |
| Basic EPS | 3 | 3 | 3 | 2 | 2 | 2 |
| Diluted EPS | 2.85 | 2.80 | 2.35 | 1.65 | 1.65 | 1.80 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 12.53B | 16.88B | 13.48B | 16.40B | 18.90B | 18.21B | 19.07B | 20.24B |
| Cash & ST investments | 3.31B | 2.44B | 4.60B | 5.62B | 7.06B | 7.93B | 7.51B | 7.30B |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 13.14B | 18.30B | 14.88B | 18.14B | 21.38B | 21.29B | 23.61B | 25.41B |
| Total current liabilities | 7.03B | 9.95B | 3.86B | 4.00B | 4.93B | 3.66B | 4.42B | 3.89B |
| Short-term debt | 25.00M | 235.00M | -- | -- | -- | 5.76M | 5.59M | 170.41M |
| Long-term debt | -- | -- | -- | -- | -- | -- | -- | 1.11B |
| Total liabilities | 7,156,729,000.00 | 10,292,976,000.00 | 6,451,855,000.00 | 7,428,941,000.00 | 8,938,422,000.00 | 7,422,775,000.00 | 8,053,446,000.00 | 8,569,617,000.00 |
| Total equity | 5.99B | 8.01B | 8.43B | 10.71B | 12.44B | 13.87B | 15.55B | 16.84B |
| Retained earnings | 45.67M | 1.97B | 2.65B | 4.69B | 6.50B | 8.36B | 10.21B | 12.05B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 18.42B | 19.23B | 19.67B | 20.24B | 19.13B | 18.97B |
| Cash & ST investments | 8.46B | 7.89B | 7.04B | 7.30B | 7.33B | 6.42B |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 24.43B | 25.65B | 26.29B | 25.41B | 25.69B | 26.07B |
| Total current liabilities | 5.05B | 4.65B | 4.76B | 3.89B | 4.80B | 4.72B |
| Short-term debt | 26.97M | 67.33M | 91.85M | 170.41M | 192.10M | 387.46M |
| Long-term debt | -- | 1.03B | 1.03B | 1.11B | 1.14B | 1.15B |
| Total liabilities | 8,634,053,000.00 | 9,504,903,000.00 | 9,576,181,000.00 | 8,569,617,000.00 | 9,143,692,000.00 | 9,332,819,000.00 |
| Total equity | 15.80B | 16.14B | 16.71B | 16.84B | 16.55B | 16.74B |
| Retained earnings | 10.44B | 11.19B | 11.82B | 12.05B | 11.96B | 12.40B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 1.88B | -215.52M | 2.21B | 630.23M | 236.92M | 1.36B | 2.89B | 1.87B |
| Depreciation & amortization | 42.16M | 107.09M | 96.43M | 69.23M | 65.01M | 69.09M | 86.25M | 88.86M |
| Free cash flow | 1.80B | -264.18M | 2.17B | 574.96M | 184.14M | 822.78M | 2.87B | 1.77B |
| Dividends paid | 0 | -390.72M | -263.57M | -317.57M | -372.48M | -430.35M | -441.33M | -510.20M |
| Stock buybacks / issuance | -452.26M | -42.28M | -379.98M | -25.99M | -340.78M | -694.52M | -643.21M | -767.00M |
| Ending cash balance | 5.29B | 6.01B | 6.12B | 8.49B | 6.48B | 6.77B | 6.75B | 6.20B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 522.34M | 8.63M | 871.73M | 464.91M | 225.99M | -389.98M |
| Depreciation & amortization | -- | -- | -- | -- | -- | -- |
| Free cash flow | 522.34M | 8.63M | 871.73M | 371.56M | 225.99M | -389.98M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -- | -- | -- | -- | -- | -- |
| Ending cash balance | 7.43B | 7.07B | 6.61B | 6.20B | 6.55B | 4.89B |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 51.73 | 34.21 | 24.19 | 26.38 | 19.68 | 17.92 | 16.46 | 16.01 |
| ROA %i | 22.71 | 15.09 | 11.89 | 15.20 | 11.47 | 10.97 | 10.62 | 10.37 |
| ROIC %i | 51.46 | 33.18 | 24.00 | 26.28 | 19.51 | 17.77 | 16.42 | 15.36 |
| 5-year avg ROE %i | -- | -- | -- | 2.29 | 31.24 | 24.48 | 20.93 | 19.29 |
| EBIT margin %i | 42.44 | 44.38 | 30.51 | 27.60 | 22.30 | 18.92 | 19.37 | 21.57 |
| FCF / sales %i | 41.28 | -- | 28.76 | 6.07 | 1.92 | 6.95 | 21.90 | 13.04 |
| Current ratioi | 1.78 | 1.70 | 3.49 | 4.10 | 3.83 | 4.97 | 4.31 | 5.20 |
| Quick ratioi | 1.23 | 1.19 | 2.32 | 2.63 | 2.67 | 3.57 | 3.57 | 4.42 |
| Debt / assetsi | 0.19 | 1.75 | 0.29 | 0.18 | 0.83 | 0.20 | 0.15 | 5.21 |
| LT debt / equityi | -- | 1.07 | 0.52 | 0.31 | 1.43 | 0.26 | 0.19 | 6.97 |
| Interest coveragei | -- | -- | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | 185.29 | 69.90 | 25.65 | 28.07 | 23.68 | 17.38 | 11.09 | 6.45 |
| Net income CAGR (3Y) %i | -- | 67.88 | 22.13 | 0.54 | -1.52 | 5.87 | -1.70 | 3.91 |
| FCF CAGR (3Y) %i | -- | -- | -13.14 | -31.59 | -- | -27.68 | 70.81 | 112.79 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 17.86 | 18.77 | 18.10 | 16.01 | 13.95 | 11.75 |
| ROA %i | 11.35 | 11.75 | 11.41 | 10.37 | 8.82 | 7.37 |
| ROIC %i | 17.80 | 18.06 | 17.43 | 15.36 | 13.35 | 10.85 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 20.82 | 22.43 | 23.32 | 21.57 | 19.37 | 17.41 |
| FCF / sales %i | 23.65 | 15.97 | 12.80 | 13.04 | 11.08 | 3.33 |
| Current ratioi | 3.64 | 4.14 | 4.14 | 5.20 | 3.99 | 4.02 |
| Quick ratioi | 3.25 | 3.75 | 3.64 | 4.42 | 3.60 | 3.67 |
| Debt / assetsi | 0.24 | 4.43 | 4.37 | 5.21 | 5.35 | 6.04 |
| LT debt / equityi | 0.21 | 6.76 | 6.44 | 6.97 | 7.28 | 7.14 |
| Interest coveragei | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Diversified
- Loan facilitation service fees is the largest reported line at 38.15% of revenue, across 6 reported segments.
- No single line clears half of revenue; Guarantee income is next at 30.40%, spreading the business across more than one real driver.
Revenue breakdown most recent period
Business
Loan facilitation service fees38.15%
Guarantee income30.40%
Post-facilitation service fees12.01%
Net interest income9.85%
Others7.93%
Borrowers referral fee1.67%
Region
The People's Republic of China (PRC)75.45%
Indonesia15.03%
Philippines8.79%
Others0.74%
Quote time 2026-10-09 20:02:27 · For reference only, not investment advice and not tailored to your situation.
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