FinVolution Group (FINV) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
FinVolution Group stock (FINV) is currently trading at $4.74. FinVolution Group PE ratio is 4.01. FinVolution Group PS ratio (Price-to-Sales) is 0.10. Analyst consensus price target for FINV is $11.01. WallStSmart rates FINV as Buy.
- FINV PE ratio analysis and historical PE chart
- FINV PS ratio (Price-to-Sales) history and trend
- FINV intrinsic value — DCF, Graham Number, EPV models
- FINV stock price prediction 2025 2026 2027 2028 2029 2030
- FINV fair value vs current price
- FINV insider transactions and insider buying
- Is FINV undervalued or overvalued?
- FinVolution Group financial analysis — revenue, earnings, cash flow
- FINV Piotroski F-Score and Altman Z-Score
- FINV analyst price target and Smart Rating
FinVolution Group
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FINV Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · FinVolution Group (FINV)
FINV trades at a significant discount to its Graham intrinsic value of $70.20, offering a 92% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
FinVolution Group (FINV) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/sales, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
FinVolution Group (FINV) Key Strengths (7)
Keeps $52 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 36.60% year-over-year
Keeps $20 of every $100 in revenue as net profit
55.25% held by institutions, strong professional interest
Solid profitability: $18 profit per $100 equity
Supporting Valuation Data
FinVolution Group (FINV) Areas to Watch (2)
Small-cap company with higher risk but more growth potential
Solid revenue growth at 12.90% per year
FinVolution Group (FINV) Detailed Analysis Report
Overall Assessment
This company scores 78/100 in our Smart Analysis, earning a B+ grade. Out of 9 metrics analyzed, 7 register as strengths (avg 9.3/10) while 2 fall into concern territory (avg 5.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Sales, Price/Book. Valuation metrics including Price/Sales (0.10), Price/Book (0.56) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 18.30%, Operating Margin at 51.80%, Profit Margin at 20.30%. Growth metrics are encouraging with EPS Growth at 36.60%.
The Bear Case
The primary concerns are Market Cap, Revenue Growth. Growth concerns include Revenue Growth at 12.90%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 18.30% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 12.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Sales makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FINV Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FINV's Price-to-Sales ratio of 0.10x sits near its historical average of 0.11x (70th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 90% below its historical high of 1.09x set in Nov 2017, and 163% above its historical low of 0.04x in May 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for FinVolution Group (FINV) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
FinVolution Group is a mature, profitable business with steady cash generation. Revenue reached 13.8B with 13% growth year-over-year. Profit margins are strong at 20.3%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1830.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 20.3% and operating margin of 51.8% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 460.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact FinVolution Group.
Bottom Line
FinVolution Group is a well-established business delivering consistent profitability with 20.3% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 8:28:28 AM
About FinVolution Group(FINV)
NYSE
FINANCIAL SERVICES
CREDIT SERVICES
China
FinVolution Group, an investment holding company, operates an online consumer finance marketplace in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.