FinVolution Group
NYSE:FINV
Intrinsic Value
FinVolution Group is an online consumer finance platform in China connecting underserved individual borrowers with financial institutions. [ Read More ]
The intrinsic value of one
FINV
stock under the Base Case scenario is
18.71
USD.
Compared to the current market price of 4.88 USD,
FinVolution Group
is
Undervalued by 74%.
FINV could be a value trap.A value trap occurs when a stock looks inexpensive based on fundamental analysis but fails to reach its intrinsic valuation over time, often due to underlying issues not reflected in quantitative data.
Scrutinize beyond numbers; assess long-term potential.
FinVolution Group's market capitalization is 1.4B USD.
FINV stock price is 4.88 USD.
FINV stock price (4.88 USD) is 74% less than its Intrinsic Value (18.71 USD).
FINV stock price (4.88 USD) is 57% less than its Relative Value (11.32 USD). Open Relative Valuation
FINV has upside potential of 30% compared to the average analyst price target.
Open Wall St Estimates
FINV's Revenue has grown by 13% over the past 12 months.
FINV's ROE (Return on Equity) for the past 12 months is positive and is equal to 18%.
FINV's Revenue is forecast to grow at a rate of 10% per year over the next 3 years.
FINV's Altman Z-Score is equal to 2.69.
FINV's ROIC (Return on Invested Capital) has increased in the last 3 years from 27% to 34%.
FINV's ROE (Return on Equity) has decreased in the last 3 years from 27% to 18%.
FINV has positive Net Income for the last twelve months.
FINV's Revenue has been growing by 18% per year for the last 3 years.
FINV's ROIC (Return on Invested Capital) for the past 12 months is very high and is equal to 34%.
FINV has positive Free Cash Flow for the last twelve months.
FINV has positive three-year average ROE (Return on Equity): 23%. The company is efficient at transforming stockholders' equity into net income.
FINV has positive Operating Income for the last twelve months.
FINV has very high three-year average ROIC (Return on Invested Capital): 30%. The company is very efficient at using invested capital to generate operating income.
FINV has positive Gross Profit for the last twelve months.
FINV's long-term assets (21B CNY) exceed its long-term liabilties (8B CNY).
FINV's D/E (Debt to Equity) is very low and is equal to 0.
FINV's short-term assets (12B CNY) exceed its short-term liabilties (1B CNY).
FINV has negative Net Debt. This means that the company has more cash and short-term investments (5B CNY) than debt (6m CNY).
Valuation Backtest
FinVolution Group
Run backtest to discover the historical profit from buying and selling
FINV
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
FinVolution Group
Balance Sheet Decomposition
FinVolution Group
| Current Assets | 12.3B |
| Cash & Short-Term Investments | 5B |
| Receivables | 4B |
| Other Current Assets | 3.4B |
| Non-Current Assets | 9B |
| Long-Term Investments | 4.1B |
| PP&E | 179m |
| Intangibles | 149.1m |
| Other Non-Current Assets | 4.6B |
| Current Liabilities | 1.5B |
| Accrued Liabilities | 1.2B |
| Short-Term Debt | 5.8m |
| Other Current Liabilities | 207.5m |
| Non-Current Liabilities | 6.1B |
| Other Non-Current Liabilities | 6.1B |
Earnings Waterfall
FinVolution Group
|
Revenue
|
12.5B
CNY
|
|
Cost of Revenue
|
-2.1B
CNY
|
|
Gross Profit
|
10.4B
CNY
|
|
Operating Expenses
|
-3.6B
CNY
|
|
Operating Income
|
6.8B
CNY
|
|
Other Expenses
|
-4.5B
CNY
|
|
Net Income
|
2.3B
CNY
|
Free Cash Flow Analysis
FinVolution Group
FINV Profitability Score
Profitability Due Diligence
FinVolution Group's profitability score is 71/100. The higher the profitability score, the more profitable the company is.
Score
FinVolution Group's profitability score is 71/100. The higher the profitability score, the more profitable the company is.
FINV Solvency Score
Solvency Due Diligence
FinVolution Group's solvency score is 75/100. The higher the solvency score, the more solvent the company is.
Score
FinVolution Group's solvency score is 75/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
FINV Price Targets Summary
FinVolution Group
According to Wall Street analysts, the average 1-year price target for
FINV
is 6.36 USD
with a low forecast of 5.35 USD and a high forecast of 7.56 USD.
Shareholder Return
FINV Price
FinVolution Group
| Average Annual Return | 14% |
| Standard Deviation of Annual Returns | 60.61% |
| Max Drawdown | -78% |
| Market Capitalization | 1.4B USD |
| Shares Outstanding | 280 119 008 |
| Percentage of Shares Shorted | 0.51% |
Company Profile
FinVolution Group
Country
Industry
Market Cap
Dividend Yield
Description
FinVolution Group is an online consumer finance platform in China connecting underserved individual borrowers with financial institutions. The company is headquartered in Shanghai, Shanghai. The company went IPO on 2017-11-10. The Company’s products and services include loan services offered to borrowers, investment services offered to individual investors and institutional funding partners. The loan services offered to borrowers include standard loan products, consumption loan products and other loan products. The investment services offered to individual investors include self-discretionary investing tools, automated investing tools, investment programs and a secondary loan market. The firm also introduces borrowers to institutional funding partners and provides preliminary credit assessment services as well as other services.
Contact
IPO
Employees
Officers
The intrinsic value of one
FINV
stock under the Base Case scenario is
18.71
USD.
Compared to the current market price of 4.88 USD,
FinVolution Group
is
Undervalued by 74%.
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