FinVolution Group (FINV) Fair Value & Analysis
Financial Services · US · Market cap $1.2B
FinVolution Group
FINV · US
Fair value as of: Jul 5, 2026
From 13 valuation models · updated 35 days ago
Fair value updated Jul 5, 2026, revised from $8.24 to $8.06 (−2.2%) since Jun 26, 2026. Share price +3.2% over the past month.
A solid business, screening 66% undervalued on our models.
What matters now
- The rarer combination: high quality (70/100) AND below fair value. That earns a closer look rather than a quick verdict.
- The price is below even our cautious bear case ($6.05). The market is more pessimistic than our downside scenario.
- A fairly wide model range ($6.05 to $14.68) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 5, 2026.
How to read this chart
60‑month range $2.27 – $9.97 · fair‑value band $6.05 – $14.68 · the $4.86 price screens below the $8.06 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 5, 2026.
Analysis
FinVolution Group (FINV) currently trades at $4.86, while our model-based Fair Value estimate is $8.06, implying the stock looks roughly 65.8% undervalued today. The Quality Score stands at 70/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, FinVolution Group generated revenue of $13.3B at a net margin of 16.6%. Revenue declined 7.8% year over year. It earns a return on equity of 13.8%. The balance sheet holds a net cash position of $4.9B. Fundamentals as of Jul 5, 2026
Our scenario range runs from $6.05 (bear case) to $14.68 (bull case); at $4.86, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 53% below its 52-week high and 15% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 66%, FINV screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 13 models by family
Widest divergence: Earnings-Based ($210.75) versus Dividend Discount ($24.45). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 5, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 70 · Market factors (momentum, volatility) 33
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
FinVolution Group, an investment holding company, operates in the online consumer finance industry in the People's Republic of China, Indonesia, Philippines, and internationally.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
FinVolution Group reported revenue of $13.2B in FY2025 versus $9.5B in FY2021, a compound +8.7%/yr. Reported net income was $2.5B in FY2025, compounding −0.4%/yr from FY2021.
Watch FINV: get an alert when its fair value changes →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- PTCL Group Leadership Meets FinVolution at MWC Shanghai 2026 to Explore Credit Technology for Financial Inclusion in Pakistan
- FinVolution Group (FINV) Q1 2026 Earnings Call Highlights: Strong Overseas Growth and ...
- FinVolution Group Publishes Eighth Annual ESG Report
- Is FinVolution Group (FINV) A Good Stock To Buy Now?
Peer Group
Credit Services · 333 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 35/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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