US · FINV
FinVolution Group
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Shanghai 201203
- Website
- ir.finvgroup.com
Price · as of 2024-12-31
$5.03
Market cap 1.41B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $2.50 | -50.3% |
| Intrinsic Value(DCF) | $6.56 | +30.42% |
| Graham-Dodd Method(GD) | $10.90 | +116.7% |
| Graham Formula(GF) | $14.70 | +192.25% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | $1.50 | $118.90 | |||
| 2017 | $5.59 | $17.71 | $3,921,681.40 | $8.10 | $215.60 |
| 2018 | $3.22 | $10.81 | $410.52 | $8.00 | $24.90 |
| 2019 | $1.24 | $11.83 | $76.61 | $6.40 | $41.40 |
| 2020 | $6.89 | $23.47 | $13.25 | $6.70 | $31.60 |
| 2021 | $2.53 | $17.38 | $27.97 | $9.10 | $41.10 |
| 2022 | $3.96 | $15.64 | $28.65 | $9.00 | $28.70 |
| 2023 | $4.60 | $13.99 | $33.45 | $9.50 | $22.70 |
| 2024 | $8.03 | $17.69 | $17.81 | $10.90 | $14.70 |
AI valuation
Our deep-learning model estimates FinVolution Group's (FINV) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $2.50
- Current price
- $5.03
- AI upside
- -50.3%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$6.56
+30.42% upside
Graham-Dodd
$10.90
+116.7% upside
Graham Formula
$14.70
+192.25% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FINV | FinVolution Group | $5.03 | 1.41B | +252% | +30% | +117% | +192% | 6.33 | 0.99 | 1.15 | 2.90 | 75.46 | 1.00 | 79.32% | 19.40% | 18.24% | 16.46% | 31.30% | 10.62% | 0.00 | — | 4.31 | 3.57 | -1.77 | 838.00% | 369.00% | 22735.00% | 19.01% | 0.65 | 42.16% | 2.93% | 18.50% | 7.19% | 3.00 | 2.65 | 0.58 | 3.43 |
| AGM | Federal Agricultural Mort… | $157.66 | 1.72B | +1,120% | -15% | -17% | — | 9.53 | 1.01 | 1.32 | 55.06 | 870.60 | 1.01 | 29.47% | 19.40% | 15.73% | 11.38% | 1.28% | 0.55% | 17.93 | 0.28 | 0.12 | 1.68 | 116.89 | 109.00% | -1886.00% | -8682.00% | 4.60% | 0.01 | 0.49% | 5.12% | 48.80% | 5.12% | 55.06 | 175.87 | 10.68 | -0.20 |
| ATLCP | Atlanticus Holdings Corpo… | $24.60 | 372.48M | +616% | +918% | +83% | +901% | 2.83 | 0.64 | 0.69 | 17.01 | 22.67 | 0.64 | 61.59% | 30.15% | 24.22% | 25.08% | 4.68% | 3.72% | 5.08 | 0.87 | 5.21 | 5.21 | 14.81 | 1250.00% | 2568.00% | 270.00% | 148.27% | 6.51 | 19.88% | 8.16% | 23.10% | 24.86% | 17.64 | 5.23 | 5.32 | 0.63 |
| ENVA | Enova International, Inc. | $139.05 | 3.44B | +195% | +268% | -24% | +132% | 11.37 | 2.62 | 1.11 | 15.09 | 20.35 | 3.33 | 50.13% | 23.46% | 9.78% | 24.34% | 10.78% | 5.26% | 3.41 | 4.36 | 0.23 | 18.26 | 8.48 | 5585.00% | 1858.00% | 1851.00% | 50.55% | 5.95 | 33.60% | 0.00% | 0.00% | 0.00% | 10.81 | 4.51 | 2.54 | 1.67 |
| IX | ORIX Corporation | $35.55 | 39.47B | +4% | -76% | -47% | -41% | 10.40 | 0.89 | 1.27 | 9.50 | 340.25 | 1.28 | 41.76% | 11.54% | 12.23% | 8.76% | 2.59% | 2.12% | 1.60 | 1.96 | 2.16 | 2.04 | 5.65 | 306.00% | 215.00% | 237.00% | 32.89% | 0.38 | 12.82% | 3.71% | 38.60% | 7.72% | 27.05 | 7.46 | 3.12 | 0.97 |
| LU | Lufax Holding Ltd | $2.60 | 1.09B | +853% | +620% | +1,146% | — | 2.73 | 0.03 | 0.06 | — | — | 0.03 | 69.55% | 35.51% | 2.13% | 0.96% | 9.36% | 0.30% | 0.49 | 1.61 | 29.50 | 29.05 | — | -8984.00% | -3962.00% | 24581.00% | 618.19% | 9.63 | 15.06% | 59.23% | 161.90% | 218.32% | 0.49 | 0.49 | 0.18 | 1.00 |
| LX | LexinFintech Holdings Ltd… | $2.89 | 492.67M | +317% | +27% | +305% | +433% | 9.29 | 0.95 | 0.72 | 8.71 | 368.26 | 1.04 | 35.39% | 16.10% | 7.75% | 10.76% | 14.26% | 4.85% | 0.49 | 253.83 | 1.86 | 0.85 | 1.99 | 252.00% | 878.00% | -6737.00% | 8.16% | 0.11 | 6.40% | 1.61% | 14.90% | 1.61% | 5.76 | 15.77 | 0.93 | 2.45 |
| NAVI | Navient Corporation | $8.79 | 857.08M | +4,311% | -61% | -29% | +35% | -10.67 | 0.36 | 0.26 | 17.97 | — | 0.43 | 86.96% | 77.14% | -2.48% | -3.17% | 3.72% | -0.16% | 19.05 | 0.96 | 0.41 | 0.41 | 17.62 | -16864.00% | -2374.00% | -392.00% | 51.68% | 0.09 | 0.91% | 7.38% | -78.70% | 529.07% | 17.85 | 100.81 | 13.77 | 0.30 |
| QD | Qudian Inc. | $3.20 | 528.4M | +279% | +45% | +181% | +69% | 39.38 | 0.32 | 16.69 | -14.04 | 22.87 | 0.32 | 7.12% | -142.38% | 42.38% | 0.80% | -5.10% | 0.74% | 0.07 | — | 9.02 | 6.81 | -16.32 | 17222.00% | 7131.00% | 10140.00% | -11.87% | -0.10 | -12.19% | 0.00% | 0.00% | 14.76% | 9.71 | 6.97 | -13.82 | 3.63 |
| QFIN | Qfin Holdings, Inc. | $14.56 | 1.9B | +294% | +163% | +136% | +438% | 6.57 | 1.70 | 2.40 | 4.33 | 10.82 | 1.78 | 61.77% | 43.86% | 36.49% | 27.16% | 32.51% | 13.34% | 0.07 | — | 2.45 | 0.58 | -0.35 | 6072.00% | 538.00% | 3066.00% | 22.33% | 0.53 | 50.12% | 3.07% | 20.20% | 10.29% | 4.64 | 3.80 | 2.04 | 3.15 |
| XYF | X Financial | $4.98 | 35.38M | +501% | +65,266% | +655% | +7,454% | 2.52 | 0.56 | 0.66 | 0.35 | 8.80 | 0.56 | 66.62% | 31.91% | 26.23% | 24.06% | 37.65% | 13.12% | 0.05 | 1.18 | 6.73 | 6.72 | -0.70 | 2868.00% | 7916.00% | 8732.00% | 38.82% | 2.05 | 38.31% | 3.00% | 7.60% | 14.93% | 0.69 | 0.85 | 0.22 | 2.43 |
| YRD | Yiren Digital Ltd. | $3.90 | 339.04M | +497% | +321% | +549% | +1,603% | 2.61 | 0.43 | 0.71 | -0.06 | — | 0.43 | 84.79% | 28.37% | 27.25% | 17.95% | 39.36% | 13.61% | 0.00 | — | 5.61 | 4.39 | -2.27 | -2221.00% | 1859.00% | -3469.00% | 34.23% | 0.68 | 39.77% | 2.96% | 7.70% | 4.79% | -0.06 | -0.07 | -0.02 | 2.96 |
About FinVolution Group
FinVolution Group operates fintech platform that connects underserved individual borrowers with financial institutions in China. It operates in online consumer finance industry. The company's platform empowered by proprietary technologies, features automated loan transaction process, which enables a user experience. As of March 31, 2022, it had approximately 145.3 million cumulative registered users. 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.
- CEO
- Tiezheng Li
- Employees
- 3.62K
- Beta
- 0.36
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($6.56 ÷ $5.03) − 1 = +30.42% (DCF, example).