# FinVolution Group American (FINV) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Consumer Finance. Price $3.39, market value $800 million.

## Valuation
- **P/E (trailing): 3.1×** (5-yr avg 18.4×, 3-yr avg 20.1×). FinVolution Group American trades at 3.1× trailing earnings, well below its own five-year average of 18.4×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 3.4×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.43**. A PEG of 0.43 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.1×**. Each dollar of revenue is priced at 0.1×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.3×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **EV / EBITDA: 0.1×**. Enterprise value is 0.1× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 134.9%** (5-yr avg 2.6%). Free cash flow equals 134.9% of the market value, above its five-year average of 2.6%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 32.4%**. The inverse of the P/E: 32.4% of the price is earned each year.

## Profitability
- **Gross margin: 75.8%**. FinVolution Group American keeps 75.8% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 17.4%**. 17.4% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 18.7%**. 18.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 15.4%**. 15.4% on shareholders' equity is solid.
- **Return on invested capital: 104.1%**. Return on all capital, debt included, is 104.1%: comfortably above what that capital costs.
- **Return on assets: 52.4%**. Each dollar of assets produces 52.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 8.4%**. Revenue grew 8.4% over the last year.
- **EPS growth (1 yr): 8.0%** (3-yr 5.5%/yr, 5-yr 6.2%/yr). Earnings per share rose 8.0%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 101.2%/yr**. Free cash flow has compounded at 101.2% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 2/9**. 2 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $613 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 9.03%** ($0.31 per share, trailing). FinVolution Group American yields 9.03%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 20%**. 20% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.
- **Dividend growth (5 yr): 18.2%/yr** (1-yr 16.9%). The dividend has compounded at 18.2% a year over five years, doubling roughly every 4 years at that pace.

## Price and momentum
- **Total return (1 yr): -53.7%** (YTD -31.1%, 3-mo -31.2%). The shares are down 53.7% over twelve months including dividends.
- **From 52-week high: -57.9%** (5.3% above the low). Trading 58% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 29**. An RSI of 29 is oversold; bounces are common, but oversold can stay oversold in a real decline.
- **Beta (1 yr): 0.89** (volatility 51%). Beta of 0.89 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FINV · Page: https://foliofundamentals.com/stocks/finv

Not investment advice.