FinVolution Financials

FINV Stock

USD 5.79 0.25 4.51%

Based on the analysis of FinVolution's profitability, liquidity, and operating efficiency, FinVolution Group is performing exceptionally good at the present time. It has a great chance to report excellent financial results in March. At this time, FinVolution's Net Receivables is fairly stable compared to the past year. Common Stock Shares Outstanding is likely to climb to about 237.7 M in 2026, whereas Short and Long Term Debt Total is likely to drop slightly above 37.5 M in 2026.

Yuan Drop

Covid

Interest Hikes

FinVolution Balance Sheet Chart

At this time, FinVolution's Net Receivables is fairly stable compared to the past year. Common Stock Shares Outstanding is likely to climb to about 237.7 M in 2026, whereas Short and Long Term Debt Total is likely to drop slightly above 37.5 M in 2026.

Total Assets Short Long Term Debt Total Total Current Liabilities Total Stockholder Equity

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Key indicators impacting FinVolution's financial strength include:

Current Value

Last Year

Change From Last Year

10 Year Trend

Debt Equity Ratio

0.0025

0.0026

Notably Down

Slightly volatile

Current Ratio

2.41

3.88

Way Down

Slightly volatile

The financial analysis of FinVolution is a critical element in measuring its lifeblood. Investors should carefully consider FinVolution's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

1.96 Billion

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Understanding current and past FinVolution Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of FinVolution's financial statements are interrelated, with each one affecting the others. For example, an increase in FinVolution's assets may result in an increase in income on the income statement.

Please note, the imprecision that can be found in FinVolution's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of FinVolution Group. Check FinVolution's Beneish M Score to see the likelihood of FinVolution's management manipulating its earnings.

FinVolution Stock Summary

FinVolution competes with 360 Finance, Lufax Holding, X Financial, Atlanticus Holdings, and Orix Corp. FinVolution Group operates fintech platform that connects underserved individual borrowers with financial institutions in China. FinVolution Group was founded in 2007 and is headquartered in Shanghai, the Peoples Republic of China. Finvolution Group operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 4259 people.

Specialization	Financial Services, Financial Services
Instrument	USA Stock View All
Exchange	New York Stock Exchange
ISIN	US31810T1016
Business Address	Building G1, Shanghai,
Sector	Consumer Finance
Industry	Financials
Benchmark	Dow Jones Industrial
Website	ir.finvgroup.com
Phone	86 21 8030 3200
Currency	USD - US Dollar

FinVolution Key Financial Ratios

	Return On Equity	0.18
	Profit Margin	0.20 %
	Operating Margin	0.52 %
	Price To Sales	0.1 X
	Revenue	13.07 B

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FinVolution Key Balance Sheet Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	18.1B	21.4B	21.3B	23.6B	27.1B	15.6B
Other Current Liab	2.7B	3.0B	1.6B	2.2B	2.5B	3.4B
Other Liab	9.4B	5.5B	6.3B	7.4B	8.6B	5.6B
Net Tangible Assets	7.8B	8.2B	10.5B	12.2B	14.1B	14.8B
Net Debt	(4.4B)	(3.5B)	(4.9B)	(4.6B)	(4.2B)	(4.0B)
Retained Earnings	4.7B	6.5B	9.1B	11.1B	12.7B	13.4B
Cash	4.4B	3.6B	5.0B	4.7B	5.4B	2.9B
Other Assets	155.8M	455.7M	919.4M	205.5M	236.4M	301.9M
Net Receivables	4.9B	6.1B	2.2B	8.3B	9.5B	10.0B
Inventory	(3.4B)	(2.7B)	(3.6B)	205.5M	185.0M	194.2M
Other Current Assets	5.9B	5.8B	7.9B	3.3B	3.8B	4.4B
Total Liab	7.4B	8.9B	7.4B	8.1B	9.3B	6.9B
Total Current Assets	16.4B	18.9B	18.2B	19.1B	21.9B	13.9B

FinVolution Key Income Statement Accounts

The reason investors look at the income statement is to determine what FinVolution's earnings per share (EPS) will be for research and analysis purposes. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, this information can be used for research and educational purposes even though its price per share may not have changed.

	2021	2022	2023	2024	2025	2026 (projected)
Tax Provision	240.8M	454.8M	468.5M	457.4M	526.0M	334.1M
Interest Expense	235.6M	228.3M	205.2M	205.8M	236.7M	133.2M
Total Revenue	9.5B	11.1B	12.6B	13.1B	15.0B	7.7B
Gross Profit	7.6B	9.1B	10.4B	10.4B	11.9B	6.2B
Operating Income	2.6B	2.5B	2.4B	2.5B	2.9B	3.1B
Ebit	2.6B	2.5B	2.4B	2.5B	2.9B	2.0B
Research Development	434.9M	491.5M	511.0M	496.7M	571.3M	363.7M
Ebitda	2.7B	2.6B	2.5B	2.6B	3.0B	2.1B
Cost Of Revenue	1.8B	2.0B	2.2B	2.7B	3.1B	3.3B
Income Before Tax	2.7B	2.7B	2.8B	2.8B	3.3B	2.3B
Net Income	2.5B	2.3B	2.3B	2.4B	2.7B	2.0B
Income Tax Expense	240.8M	454.8M	395.1M	457.4M	526.0M	326.0M
Minority Interest	13.6M	(14.9M)	(43.2M)	(4.7M)	(4.2M)	(4.0M)

FinVolution Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining FinVolution's current stock value. Our valuation model uses many indicators to compare FinVolution value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across FinVolution competition to find correlations between indicators driving FinVolution's intrinsic value. More Info.

FinVolution Group is rated # 5 in return on equity category among its peers. It is rated # 3 in return on asset category among its peers reporting about 1.05 of Return On Asset per Return On Equity. At this time, FinVolution's Return On Equity is fairly stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value FinVolution by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Most indicators from FinVolution's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into FinVolution Group current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in FinVolution Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in inflation.

At this time, FinVolution's Enterprise Value Over EBITDA is fairly stable compared to the past year. Enterprise Value Multiple is likely to climb to 3.03 in 2026, whereas Selling General Administrative is likely to drop slightly above 416 M in 2026.

	2025	2026 (projected)
Interest Income	1.3B	1.3B
Tax Provision	526.0M	334.1M

Interest Income Tax Provision

FinVolution fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Other Liab	Net Tangible Assets	Property Plant And Equipment Net	Current Deferred Revenue	Net Debt	Retained Earnings	Accounts Payable	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Common Stock Shares Outstanding	Short Term Investments	Non Current Liabilities Total	Other Current Assets	Other Stockholder Equity	Total Liab	Property Plant And Equipment Gross	Total Current Assets
Total Assets		0.4	0.58	0.77	0.93	0.96	0.95	0.76	0.86	-0.94	0.81	0.16	0.97	0.8	0.64	0.2	0.95	0.85	-0.54	0.86	0.81	0.87	0.83	0.96	0.73	1.0
Short Long Term Debt Total	0.4		0.76	0.68	0.24	0.54	0.31	0.14	0.09	-0.19	0.1	-0.3	0.22	0.11	0.18	0.24	0.17	0.5	0.12	0.07	0.07	0.43	0.42	0.56	0.05	0.43
Other Current Liab	0.58	0.76		0.96	0.44	0.77	0.49	0.33	0.12	-0.39	0.2	0.2	0.4	0.25	0.32	-0.1	0.35	0.73	0.07	0.26	0.08	0.61	0.76	0.78	0.25	0.63
Total Current Liabilities	0.77	0.68	0.96		0.64	0.91	0.69	0.51	0.37	-0.61	0.4	0.29	0.62	0.45	0.45	-0.03	0.59	0.83	-0.11	0.51	0.32	0.75	0.88	0.91	0.43	0.81
Total Stockholder Equity	0.93	0.24	0.44	0.64		0.85	0.99	0.89	0.86	-0.95	0.95	0.12	0.92	0.95	0.79	0.21	0.92	0.87	-0.76	0.83	0.82	0.8	0.72	0.86	0.89	0.92
Other Liab	0.96	0.54	0.77	0.91	0.85		0.89	0.66	0.71	-0.86	0.67	0.23	0.88	0.68	0.55	0.11	0.86	0.86	-0.36	0.77	0.67	0.9	0.9	1.0	0.62	0.98
Net Tangible Assets	0.95	0.31	0.49	0.69	0.99	0.89		0.84	0.87	-0.96	0.9	0.14	0.94	0.9	0.71	0.27	0.93	0.86	-0.67	0.85	0.83	0.86	0.79	0.9	0.82	0.95
Property Plant And Equipment Net	0.76	0.14	0.33	0.51	0.89	0.66	0.84		0.66	-0.74	0.92	0.07	0.72	0.96	0.95	0.11	0.73	0.87	-0.88	0.68	0.56	0.47	0.52	0.67	0.98	0.73
Current Deferred Revenue	0.86	0.09	0.12	0.37	0.86	0.71	0.87	0.66		-0.9	0.83	0.09	0.91	0.78	0.5	0.37	0.94	0.57	-0.63	0.91	0.96	0.77	0.57	0.71	0.68	0.83
Net Debt	-0.94	-0.19	-0.39	-0.61	-0.95	-0.86	-0.96	-0.74	-0.9		-0.86	-0.2	-0.98	-0.84	-0.61	-0.21	-0.96	-0.74	0.61	-0.85	-0.9	-0.88	-0.76	-0.86	-0.75	-0.93
Retained Earnings	0.81	0.1	0.2	0.4	0.95	0.67	0.9	0.92	0.83	-0.86		-0.08	0.83	0.99	0.85	0.21	0.82	0.76	-0.9	0.73	0.8	0.62	0.46	0.67	0.94	0.77
Accounts Payable	0.16	-0.3	0.2	0.29	0.12	0.23	0.14	0.07	0.09	-0.2	-0.08		0.17	-0.01	-0.13	-0.18	0.28	0.06	0.15	0.42	0.03	0.22	0.51	0.23	0.05	0.2
Cash	0.97	0.22	0.4	0.62	0.92	0.88	0.94	0.72	0.91	-0.98	0.83	0.17		0.81	0.6	0.2	0.98	0.74	-0.59	0.87	0.9	0.86	0.76	0.87	0.73	0.95
Non Current Assets Total	0.8	0.11	0.25	0.45	0.95	0.68	0.9	0.96	0.78	-0.84	0.99	-0.01	0.81		0.91	0.15	0.81	0.81	-0.92	0.73	0.74	0.58	0.5	0.68	0.98	0.77
Non Currrent Assets Other	0.64	0.18	0.32	0.45	0.79	0.55	0.71	0.95	0.5	-0.61	0.85	-0.13	0.6	0.91		-0.05	0.56	0.83	-0.88	0.46	0.42	0.32	0.37	0.56	0.95	0.6
Other Assets	0.2	0.24	-0.1	-0.03	0.21	0.11	0.27	0.11	0.37	-0.21	0.21	-0.18	0.2	0.15	-0.05		0.25	0.11	-0.11	0.3	0.33	0.22	0.1	0.16	0.04	0.2
Cash And Short Term Investments	0.95	0.17	0.35	0.59	0.92	0.86	0.93	0.73	0.94	-0.96	0.82	0.28	0.98	0.81	0.56	0.25		0.71	-0.59	0.95	0.91	0.84	0.77	0.86	0.73	0.94
Net Receivables	0.85	0.5	0.73	0.83	0.87	0.86	0.86	0.87	0.57	-0.74	0.76	0.06	0.74	0.81	0.83	0.11	0.71		-0.59	0.6	0.47	0.65	0.76	0.88	0.8	0.85
Common Stock Shares Outstanding	-0.54	0.12	0.07	-0.11	-0.76	-0.36	-0.67	-0.88	-0.63	0.61	-0.9	0.15	-0.59	-0.92	-0.88	-0.11	-0.59	-0.59		-0.53	-0.59	-0.27	-0.17	-0.36	-0.92	-0.48
Short Term Investments	0.86	0.07	0.26	0.51	0.83	0.77	0.85	0.68	0.91	-0.85	0.73	0.42	0.87	0.73	0.46	0.3	0.95	0.6	-0.53		0.84	0.74	0.72	0.76	0.68	0.85
Non Current Liabilities Total	0.81	0.07	0.08	0.32	0.82	0.67	0.83	0.56	0.96	-0.9	0.8	0.03	0.9	0.74	0.42	0.33	0.91	0.47	-0.59	0.84		0.79	0.51	0.66	0.61	0.79
Other Current Assets	0.87	0.43	0.61	0.75	0.8	0.9	0.86	0.47	0.77	-0.88	0.62	0.22	0.86	0.58	0.32	0.22	0.84	0.65	-0.27	0.74	0.79		0.84	0.89	0.46	0.9
Other Stockholder Equity	0.83	0.42	0.76	0.88	0.72	0.9	0.79	0.52	0.57	-0.76	0.46	0.51	0.76	0.5	0.37	0.1	0.77	0.76	-0.17	0.72	0.51	0.84		0.92	0.46	0.87
Total Liab	0.96	0.56	0.78	0.91	0.86	1.0	0.9	0.67	0.71	-0.86	0.67	0.23	0.87	0.68	0.56	0.16	0.86	0.88	-0.36	0.76	0.66	0.89	0.92		0.62	0.98
Property Plant And Equipment Gross	0.73	0.05	0.25	0.43	0.89	0.62	0.82	0.98	0.68	-0.75	0.94	0.05	0.73	0.98	0.95	0.04	0.73	0.8	-0.92	0.68	0.61	0.46	0.46	0.62		0.69
Total Current Assets	1.0	0.43	0.63	0.81	0.92	0.98	0.95	0.73	0.83	-0.93	0.77	0.2	0.95	0.77	0.6	0.2	0.94	0.85	-0.48	0.85	0.79	0.9	0.87	0.98	0.69

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FinVolution Account Relationship Matchups

FinVolution fundamental ratios Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	18.1B	21.4B	21.3B	23.6B	27.1B	15.6B
Other Current Liab	2.7B	3.0B	1.6B	2.2B	2.5B	3.4B
Other Liab	9.4B	5.5B	6.3B	7.4B	8.6B	5.6B
Net Tangible Assets	7.8B	8.2B	10.5B	12.2B	14.1B	14.8B
Net Debt	(4.4B)	(3.5B)	(4.9B)	(4.6B)	(4.2B)	(4.0B)
Retained Earnings	4.7B	6.5B	9.1B	11.1B	12.7B	13.4B
Cash	4.4B	3.6B	5.0B	4.7B	5.4B	2.9B
Other Assets	155.8M	455.7M	919.4M	205.5M	236.4M	301.9M
Net Receivables	4.9B	6.1B	2.2B	8.3B	9.5B	10.0B
Inventory	(3.4B)	(2.7B)	(3.6B)	205.5M	185.0M	194.2M
Other Current Assets	5.9B	5.8B	7.9B	3.3B	3.8B	4.4B
Total Liab	7.4B	8.9B	7.4B	8.1B	9.3B	6.9B
Total Current Assets	16.4B	18.9B	18.2B	19.1B	21.9B	13.9B

Today, most investors in FinVolution Stock are looking for potential investment opportunities by analyzing not only static indicators but also various FinVolution's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of FinVolution growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.59

At this time, FinVolution's Price Earnings To Growth Ratio is fairly stable compared to the past year.

FinVolution February 17, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of FinVolution help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of FinVolution Group. We use our internally-developed statistical techniques to arrive at the intrinsic value of FinVolution Group based on widely used predictive technical indicators. In general, we focus on analyzing FinVolution Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build FinVolution's daily price indicators and compare them against related drivers.

	Information Ratio	(0.03)
	Maximum Drawdown	15.09
	Value At Risk	(3.87)
	Potential Upside	4.43

Additional Tools for FinVolution Stock Analysis

When running FinVolution's price analysis, check to measure FinVolution's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy FinVolution is operating at the current time. Most of FinVolution's value examination focuses on studying past and present price action to predict the probability of FinVolution's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move FinVolution's price. Additionally, you may evaluate how the addition of FinVolution to your portfolios can decrease your overall portfolio volatility.

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FinVolution Financials

FinVolution Balance Sheet Chart

Net Income

1.96 Billion

FinVolution Stock Summary

FinVolution Key Financial Ratios

FinVolution Key Balance Sheet Accounts

FinVolution Key Income Statement Accounts

FinVolution Financial Ratios Relationships

FinVolution fundamental ratios Correlations

FinVolution Account Relationship Matchups

High Positive Relationship

High Negative Relationship

FinVolution fundamental ratios Accounts

Price Earnings To Growth Ratio

0.59

FinVolution February 17, 2026 Opportunity Range

Additional Tools for FinVolution Stock Analysis

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MAIN CATEGORIES

COMPANY

Accumulated Amortization	Total Assets
Short Long Term Debt Total	Other Current Liab
Total Current Liabilities	Total Stockholder Equity
Other Liab	Net Tangible Assets
Property Plant And Equipment Net	Total Permanent Equity
Warrants	Current Deferred Revenue
Noncontrolling Interest In Consolidated Entity	Net Debt
Retained Earnings	Accounts Payable
Cash	Non Current Assets Total
Non Currrent Assets Other	Other Assets
Long Term Debt	Cash And Short Term Investments
Net Receivables	Good Will
Common Stock Total Equity	Retained Earnings Total Equity
Common Stock Shares Outstanding	Short Term Investments
Long Term Debt Total	Liabilities And Stockholders Equity
Non Current Liabilities Total	Capital Surpluse
Capital Lease Obligations	Negative Goodwill
Inventory	Other Current Assets
Other Stockholder Equity	Total Liab
Additional Paid In Capital	Deferred Long Term Liab
Preferred Stock Redeemable	Long Term Investments
Property Plant And Equipment Gross	Short Long Term Debt
Preferred Stock Total Equity	Total Current Assets
Accumulated Other Comprehensive Income	Treasury Stock
Non Current Liabilities Other	Accumulated Depreciation
Deferred Long Term Asset Charges	Short Term Debt
Intangible Assets	Common Stock
Temporary Equity Redeemable Noncontrolling Interests	Property Plant Equipment
Net Invested Capital	Net Working Capital
Capital Stock

Total Current Assets	+ 1.0	Total Assets
Total Liab	+ 1.0	Other Liab
Net Tangible Assets	+ 0.99	Total Stockholder Equity
Non Current Assets Total	+ 0.99	Retained Earnings
Total Current Assets	+ 0.98	Other Liab
Property Plant And Equipment Gross	+ 0.98	Property Plant And Equipment Net

Cash	- 0.98	Net Debt
Cash And Short Term Investments	- 0.96	Net Debt
Net Debt	- 0.96	Net Tangible Assets
Net Debt	- 0.95	Total Stockholder Equity
Net Debt	- 0.94	Total Assets
Total Current Assets	- 0.93	Net Debt