FinVolution Group (FINV) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of FinVolution Group $6.52, price $3.19, upside +104.4%, quality 70 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $2.27 – $9.97 · fair‑value band $3.10 – $11.40 · the $3.19 price screens below the $6.52 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 23, 2026.
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FinVolution Group, an investment holding company, operates in the online consumer finance industry in the People's Republic of China, Indonesia, Philippines, and internationally.
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FinVolution Group, an investment holding company, operates in the online consumer finance industry in the People's Republic of China, Indonesia, Philippines, and internationally. It operates an online consumer finance platform through its ppdai.com and PPDai mobile application; AdaKami, an online loan platform; and JuanHand for lending and other personalized financial services. 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.
Stock analysis
FinVolution Group (FINV) currently trades at $3.19, while our model-based Fair Value estimate is $6.52, implying the stock looks roughly 51.1% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $41.58 per share, and 13 of the 13 models we run sit above the $3.19 price.
Bear case: the Dividend Discount group reads lowest at $24.45, and 0 of the 13 models stay below the price. Evidence for this calculation is medium.
Scenario range: $3.10 (bear) to $11.40 (bull), the price of $3.19 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 70/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
FinVolution Group reported revenue of 13.2B CNY in FY2025 versus 9.5B CNY in FY2021, a compound +8.7%/yr. Reported net income was 2.5B CNY in FY2025, compounding −0.4%/yr from FY2021.
Key figures
Market cap $1.1B · P/E ratio 4.1 · P/S ratio 0.76 · EPS (TTM) $1.24 · Dividend yield 6.3% · Net margin 18.7% · Return on equity 13.8% · Return on assets (EBIT) 11.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (medium confidence).
What moves the price
The share trades about 56% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 104%, FINV screens cheaper than that median.
Fair Value models
Bear $3.10Fair Value $6.52Bull $11.40
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+1.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.8%
Start year 2020 (pandemic). Over 10 years: +52.4% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+52.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.9%
Dividend (yield on the price)6.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.4% vs 19%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.31% → 22%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
News mood ⓘNews mood, the average tone of recent news (95 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 332 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score71 · Top 25%
Fair Value upside+100% · Top 25%
Profitability
Return on equity (TTM)14% · Above median
Return on assets15% · Top 25%
Net margin (TTM)17% · Below median
Operating margin (TTM)44% · Above median
Growth and dividend
Revenue growth−8% · Bottom 25%
Dividend yield (TTM)6.3% · Top 25%
Balance sheet
Debt / equity0.07× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "FinVolution Group Fair Value". https://www.fairvalue-calculator.com/stock/FINV
Frequently asked questions
Is FinVolution Group (FINV) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $6.52 versus a price of $3.19, about +104% upside (undervalued).
What is the fair value of FINV?
Our model-based fair value for FinVolution Group is $6.52 (as of Sep 23, 2026), built from audited fundamentals. The current price: $3.19.
What is the quality score of FINV?
FinVolution Group has a Quality Score of 70/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for FinVolution Group (FINV)?
Our model-based price target is the fair value of $6.52 (as of Sep 23, 2026) from 13 valuation models. Cautious scenario $3.10, optimistic scenario $11.40. It is a calculation from audited fundamentals, not an analyst target.
What is the FinVolution Group stock forecast for 2026?
Our models put fair value at $6.52, about +104% upside versus a price of $3.19 (undervalued). Cautious scenario $3.10, optimistic scenario $11.40. The calculation is refreshed regularly with new filings.
What is the revenue of FinVolution Group (FINV)?
FinVolution Group reported trailing-twelve-month revenue of about 13.3B CNY (latest available figure, as of Sep 23, 2026).
Does FinVolution Group pay a dividend?
FinVolution Group currently shows a dividend yield of about 6.30% relative to its recent price (as of Sep 23, 2026).
What growth is priced into FinVolution Group (FINV)?
For today's price to be fair in a discounted-cash-flow model, FinVolution Group would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +11.8 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of FINV use?
Our models discount FinVolution Group at 9.8 %: a base by market capitalisation (small), damped by beta 0.37, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For FinVolution Group that is less than minus 40 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has FinVolution Group (FINV) delivered so far?
Over the past 5 years revenue at FinVolution Group grew +11.8 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of FinVolution Group (FINV) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into FinVolution Group (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of FinVolution Group (FINV)?
The free-cash-flow yield on the price is 31.03 %: that much free cash flow FinVolution Group produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of FinVolution Group (FINV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FinVolution Group it is $6.52 per share (as of Sep 23, 2026), against a price of $3.19. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is FinVolution Group stock overvalued or undervalued in 2026?
As of Sep 23, 2026, FINV trades below its calculated fair value: price $3.19, fair value $6.52, a gap of about +104% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FINV?
No. The price is what the market pays today ($3.19); the fair value is what the company's own numbers justify ($6.52). For FinVolution Group the two are $3.33 per share apart. That gap is exactly why we show both numbers side by side.
How much is FinVolution Group worth?
The market values FinVolution Group at about $1.1B (market capitalisation, as of Sep 23, 2026). Per share that is $3.19; our models calculate a fair value of $6.52 per share.
What do the bullish and bearish scenarios say about FINV?
Our models span a range for FinVolution Group: cautious scenario $3.10, base $6.52, optimistic $11.40 per share (as of Sep 23, 2026, price $3.19). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FINV?
FinVolution Group trades at a price-to-earnings ratio of 4.1 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $6.52 is built from several models across several years. Other multiples: P/B 0.5, P/S 0.6.
How solid is the balance sheet of FinVolution Group (FINV)?
Balance-sheet figures for FinVolution Group (as of Sep 23, 2026): return on equity 13.8%, debt of 0.07 per unit of equity. They feed the Quality Score of 70/100, which measures business quality independently of the share price.
How far is FINV from its 52-week high?
FinVolution Group trades at $3.19, about 56% below its 52-week high of $7.23 and at the low of $3.19 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $6.52 is for.
Which stocks are comparable to FinVolution Group?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is FinVolution Group stock attractive at the current price?
The data as of Sep 23, 2026: price $3.19, calculated fair value $6.52 (+104%), Quality Score 70/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FINV calculated?
We run FinVolution Group through 13 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $6.52, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. FinVolution Group currently trades 104 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of FinVolution Group (FINV)?
The closing price on Sep 23, 2026 was $3.19. Our model-based fair value is $6.52, about +104% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FinVolution Group right now?
The rarer combination: high quality (70/100) AND below fair value. That earns a closer look rather than a quick verdict. The model range is unusually wide ($3.10 to $11.40). The outcome hinges heavily on assumptions, so read the point estimate with caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of FinVolution Group
How large is the market capitalisation of FinVolution Group (FINV)?
The market capitalisation of FinVolution Group is $1.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of FinVolution Group (FINV)?
The price-to-sales ratio of FinVolution Group is 0.76 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of FinVolution Group (FINV)?
Earnings per share at FinVolution Group are $1.24 (price ÷ EPS = P/E 4.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of FinVolution Group (FINV)?
The dividend yield of FinVolution Group is 6.3% (payout 16.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of FinVolution Group (FINV)?
The net margin of FinVolution Group is 18.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of FinVolution Group (FINV)?
The return on equity (ROE) of FinVolution Group is 13.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of FinVolution Group (FINV)?
On an EBIT basis the return on assets of FinVolution Group is 11.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of FinVolution Group (FINV)?
The operating margin of FinVolution Group is 43.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FinVolution Group (FINV)?
Revenue at FinVolution Group is growing −7.8% versus a year earlier (3y avg +5.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at FinVolution Group (FINV)?
Earnings per share at FinVolution Group are growing −42.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does FinVolution Group (FINV) hold?
FinVolution Group holds more cash than debt, 4.9B CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Sep 23, 2026