FinVolution (FINV) Fundamental Analysis: Revenue, Earnings & Valuation

6.59 / 10

Outperform

Fundamental evaluation scores 6.6/10, rated Outperform. Strengths include high net profit margin (20.7%), robust cash‑to‑market ratios and total‑profit‑to‑EBIT at 100%. Risks stem from negative YoY revenue growth and a high current‑liabilities ratio (89.8%). Overall fundamentals appear solid.

Analysis Checks(4/10)

Gross profit margin (%)

Value100.00

Score1/3

Weight-0.18%

1M Return-0.02%

Current liabilities / Total liabilities (%)

Value89.78

Score1/3

Weight-4.07%

1M Return-0.59%

Non-current liabilities / Total liabilities (%)

Value10.22

Score0/3

Weight-8.25%

1M Return-1.21%

Net profit margin (%)

Value20.75

Score2/3

Weight31.82%

1M Return3.71%

Total profit / EBIT (%)

Value100.00

Score2/3

Weight14.43%

1M Return1.85%

Cash-UP

Value-0.79

Score2/3

Weight-37.34%

1M Return-8.25%

Operating revenue (YoY growth rate %)

Value-0.86

Score0/3

Weight-16.64%

1M Return-2.25%

EBIT / Total operating revenue (%)

Value-1049.47

Score1/3

Weight9.59%

1M Return1.25%

Asset-MV

Value-0.55

Score1/3

Weight43.11%

1M Return4.15%

Cash-MV

Value0.45

Score3/3

Weight67.52%

1M Return6.88%

Is FINV fundamentally strong?

FINV scores 6.59/10 on fundamentals and holds a Discounted valuation at present. Backed by its 15.69% ROE, 18.76% net margin, 3.25 P/E ratio, 0.49 P/B ratio, and 13.97% earnings growth, these metrics solidify its Outperform investment rating.