FINV - FinVolution Group
Price:
--
--
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$5.94
DETAILS
HIGH:
$6.20
LOW:
$5.68
MEDIAN:
$5.94
CONSENSUS:
$5.94
UPSIDE:
20.73%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||
| Revenue | 13,199.8 | 13,065.8 | 12,600.6 | 11,280.5 | 9,544.0 | 7,563.1 | 5,962.8 | 4,543.7 | 3,927.2 | 1,215.8 | 195.7 |
| Cost of Revenue | 2,821.1 | 2,701.9 | 2,164.6 | 2,184.9 | 1,915.8 | 1,325.6 | 1,208.2 | 985.6 | 974.5 | 388.1 | 99.4 |
| Gross Profit | 10,378.6 | 10,364.0 | 10,435.9 | 9,095.6 | 7,628.2 | 6,237.5 | 4,754.5 | 3,558.1 | 2,952.7 | 827.6 | 96.3 |
| Operating Expenses | |||||||||||
| R&D Expenses | 0 | 496.7 | 511.0 | 491.5 | 434.9 | 370.2 | 390.6 | 318.0 | 164.9 | 114.6 | 14.1 |
| SG&A Expenses | 0 | 2,427.8 | 2,277.5 | 2,086.8 | 2,102.5 | 944.0 | 1,156.1 | 1,094.1 | 1,212.1 | 590.8 | 241.4 |
| Other Expenses | 7,495.4 | 4,904.3 | 5,263.6 | 4,002.0 | 2,477.1 | 2,615.8 | 561.4 | 4,650.3 | 3,927.2 | 1,101.1 | 181.6 |
| Operating Expenses | 7,495.4 | 7,828.8 | 8,052.0 | 6,580.2 | 5,014.4 | 3,930.0 | 2,108.1 | 6,062.4 | 5,304.2 | 1,806.5 | 437.1 |
| Operating Income | |||||||||||
| Operating Income | 2,883.2 | 2,535.1 | 2,383.9 | 2,515.3 | 2,613.8 | 2,307.5 | 2,646.4 | (2,504.3) | (2,351.5) | (978.9) | (340.8) |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 228.3 | 235.6 | 60.1 | 15.6 | 18.2 | 0.2 |
| Interest Income | 1,300.0 | 0 | 0 | 0 | 0 | 1,341.7 | 1,342.3 | 316.2 | 47.0 | 60.0 | 4.4 |
| Profitability | |||||||||||
| EBITDA | 3,105.8 | 2,621.4 | 2,453.0 | 2,580.3 | 2,683.0 | 2,404.0 | 2,753.5 | 1,888.8 | 1,551.7 | 248.9 | (141.8) |
| EBIT | 3,016.9 | 2,535.1 | 2,383.9 | 2,515.3 | 2,613.8 | 2,307.5 | 2,646.4 | 1,846.6 | 1,529.2 | 236.8 | (145.1) |
| Income Before Tax | 3,016.9 | 2,845.2 | 2,778.6 | 2,736.0 | 2,736.1 | 2,424.0 | 2,856.5 | 2,620.7 | 1,357.6 | 549.8 | (67.8) |
| Income Tax Expense | 541.1 | 457.4 | 395.1 | 454.8 | 240.8 | 455.4 | 482.0 | 151.2 | 274.7 | 48.3 | 4.4 |
| Net Income | 2,473.1 | 2,383.1 | 2,340.8 | 2,266.4 | 2,508.9 | 1,972.7 | 2,372.8 | 2,469.1 | 1,083.0 | 501.5 | (72.1) |
| Per Share Data | |||||||||||
| EPS (Basic) | 9.80 | 9.25 | 8.50 | 8.00 | 8.85 | 6.70 | 7.80 | 8.25 | -12.75 | -0.20 | -0.60 |
| EPS (Diluted) | 9.35 | 9.05 | 8.35 | 7.80 | 8.45 | 6.60 | 7.65 | 7.70 | -12.75 | -0.20 | -0.60 |
| Shares Outstanding | 252.0 | 263.3 | 280.3 | 282.5 | 284.2 | 295.4 | 305.2 | 319.9 | 156.0 | 299.6 | 299.6 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | |||||||||||
| Cash & Cash Equivalents | 6,201.9 | 4,672.8 | 4,969.3 | 3,636.4 | 4,418.1 | 2,632.2 | 2,324.5 | 1,616.2 | 1,891.1 | 404.7 | 92.5 |
| Short-Term Investments | 3,017.1 | 2,832.4 | 2,960.8 | 3,427.0 | 1,204.9 | 1,971.0 | 114.6 | 1,694.7 | 1,958.9 | 260 | 34.5 |
| Net Receivables | 3,345.9 | 8,281.4 | 2,208.5 | 6,074.8 | 4,909.9 | 4,360.6 | 9,380.8 | 5,322.4 | 1,854.4 | 346.2 | 264.9 |
| Inventory | 0 | 0 | 205.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 2,074.3 | 7,853.0 | 2,842.7 | 4,073.4 | 3,484.2 | 3,686.2 | 3,677.6 | 2,392.6 | 0 | 0 |
| Total Current Assets | 12,565.0 | 19,071.9 | 18,206.1 | 18,896.6 | 16,400.8 | 13,477.7 | 16,877.1 | 12,532.6 | 8,240.6 | 1,105.3 | 411.7 |
| Non-Current Assets | |||||||||||
| Property, Plant & Equipment | 693.8 | 660.6 | 179.0 | 333.8 | 161.5 | 148.8 | 230.1 | 144.0 | 108.2 | 37.6 | 19.9 |
| Goodwill | 0 | 50.4 | 50.4 | 50.4 | 50.4 | 50.4 | 50.4 | 50.4 | 50.4 | 0 | 0 |
| Intangible Assets | 350.2 | 137.3 | 98.7 | 98.7 | 98.9 | 98.9 | 64.3 | 68.9 | 63.8 | 0 | 0 |
| Long-Term Investments | 7,618.3 | 1,173.0 | 1,135.1 | 1,084.1 | 971.1 | 950.5 | 952.8 | 167.5 | 12.2 | 209.0 | 112.1 |
| Other Non-Current Assets | 1,208.6 | 0 | 0 | 0 | 0 | 0 | 0 | 56.3 | 0 | 763.7 | 178.3 |
| Total Non-Current Assets | 12,864.8 | 4,535.2 | 3,087.6 | 2,486.3 | 1,737.8 | 1,404.5 | 1,427.4 | 609.8 | 363.0 | 1,042.0 | 325.2 |
| Total Assets | 25,429.8 | 23,607.1 | 21,293.7 | 21,382.9 | 18,138.6 | 14,882.2 | 18,304.5 | 13,142.5 | 8,603.7 | 2,147.3 | 736.9 |
| Current Liabilities | |||||||||||
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 905.0 | 1,114.0 | 421.7 | 176.2 |
| Short-Term Debt | 170.5 | 5.6 | 5.8 | 0 | 0 | 0 | 235 | 25 | 0 | 0 | 20 |
| Deferred Revenue | 0 | 1,526.1 | 1,887.1 | 1,810.3 | 1,097.9 | 1,262.8 | 55.7 | 165.5 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 170.5 | 4,424.6 | 3,661.2 | 4,929.2 | 4,004.6 | 3,857.9 | 9,953.7 | 7,028.9 | 4,291.8 | 509.0 | 222.2 |
| Non-Current Liabilities | |||||||||||
| Long-Term Debt | 1,109.6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Tax Liabilities | 3,363.5 | 491.2 | 340.6 | 232.2 | 137.6 | 103.5 | 198.9 | 100.1 | 15.9 | 0 | 0 |
| Other Non-Current Liabilities | 2,766.8 | 3,108.8 | 6,103.4 | 3,600.1 | 3,253.3 | 1,184.3 | (0.6) | (137.7) | 348.7 | 703.1 | 232.7 |
| Total Non-Current Liabilities | 8,404.6 | 3,628.8 | 6,479.9 | 4,009.2 | 3,424.3 | 2,594.0 | 339.2 | 127.8 | 629.7 | 866.0 | 246.4 |
| Total Liabilities | 8,575.1 | 8,053.4 | 7,422.8 | 8,938.4 | 7,428.9 | 6,451.9 | 10,293.0 | 7,156.7 | 4,921.5 | 1,375.1 | 468.5 |
| Stockholders' Equity | |||||||||||
| Common Stock | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0 | 0 |
| Retained Earnings | 12,059.0 | 11,061.4 | 9,119.6 | 6,496.9 | 4,691.0 | 2,651.9 | 1,966.6 | 45.7 | (2,399.0) | (369.1) | (292.9) |
| Accumulated Other Comprehensive Income | 1,056.0 | 92.6 | 842.5 | 750.6 | 593.6 | 452.9 | 387.5 | 314.2 | 70.0 | (69.4) | (24.5) |
| Total Stockholders' Equity | 16,560.6 | 15,204.1 | 13,748.8 | 12,371.7 | 10,655.2 | 8,363.3 | 7,948.0 | 5,923.9 | 3,622.2 | 772.2 | 268.4 |
| Total Liabilities & Equity | 25,429.8 | 23,607.1 | 21,293.7 | 21,382.9 | 18,138.6 | 14,882.2 | 18,304.5 | 13,142.5 | 8,603.7 | 2,147.3 | 736.9 |
| Debt Metrics | |||||||||||
| Total Debt | 1,324.8 | 34.4 | 41.6 | 177.0 | 33.4 | 43.3 | 320.1 | 25 | 0 | 0 | 20 |
| Net Debt | (4,877.1) | (4,638.4) | (4,927.7) | (3,459.4) | (4,384.8) | (2,588.9) | (2,004.4) | (1,591.2) | (1,891.1) | (404.7) | (72.5) |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||
| Net Income | 2,545.2 | 2,383.1 | 2,383.5 | 2,281.3 | 2,495.3 | 1,968.6 | 2,374.5 | 2,469.5 | 1,082.9 | 501.5 | (72.1) |
| Depreciation & Amortization | 88.9 | 0 | 69.1 | 65.0 | 69.2 | 96.4 | 107.1 | 42.2 | 22.6 | 12.1 | 3.3 |
| Stock-Based Compensation | 149.0 | 144.1 | 116.4 | 89.0 | 95.2 | 42.2 | 42.3 | 50.3 | 106.2 | 0 | 0 |
| Change in Working Capital | (1,197.0) | 749.8 | (1,269.6) | (2,281.3) | (1,393.6) | 578.8 | (2,201.1) | (703.9) | 290.6 | 602.3 | (51.2) |
| Other Non-Cash Items | 281.5 | (383.8) | 114.0 | 578.4 | (1,216.2) | (630.4) | (531.3) | 54.6 | 459.0 | (27.7) | (71.8) |
| Operating Cash Flow | 1,867.6 | 2,893.2 | 1,413.4 | 268.8 | 630.2 | 2,206.9 | (215.5) | 1,885.0 | 1,864.5 | 1,088.2 | (191.9) |
| Investing Activities | |||||||||||
| Capital Expenditure | (93.4) | (27.8) | (538.1) | (52.8) | (55.3) | (32.0) | (48.7) | (88.7) | (90.9) | (29.8) | (17.5) |
| Acquisitions | (226.7) | 0 | 4 | 0 | 0 | (21) | 0 | 5.1 | (34.1) | 14 | 0 |
| Purchases of Investments | (8,107.4) | 0 | (11,997.8) | (17,254.5) | (12,708.0) | (8,037.8) | (4,705.7) | (12,954.5) | (8,157.4) | (295.2) | (34.5) |
| Sales/Maturities of Investments | 7,907.8 | 0 | 12,436.5 | 3.2 | 13,534.5 | 6,180.3 | 5,554.1 | 13,122.1 | 6,485.5 | 68.5 | 0 |
| Other Investing Activities | (1,673.2) | (2,295.8) | 1,508.9 | 15,750.9 | 1,223.6 | 2,952.1 | (1,627.9) | (1,531.0) | (698.8) | (441.6) | (80.2) |
| Investing Cash Flow | (2,183.7) | (2,295.8) | 1,413.5 | (1,553.2) | 1,994.8 | 1,041.5 | (828.2) | (1,447.0) | (2,495.6) | (684.1) | (132.2) |
| Financing Activities | |||||||||||
| Net Debt Issuance | 1,162.5 | (0.2) | 5.8 | 0 | 0 | (235) | 210 | 23.3 | 0 | (20) | 20 |
| Stock Repurchased | (767.0) | (643.2) | (694.5) | (340.8) | (26.0) | (380.0) | (42.3) | (452.3) | 0 | 0 | 0 |
| Dividends Paid | (510.2) | (441.3) | (430.4) | (372.5) | (317.6) | (263.6) | (390.7) | 0 | 0 | 0 | 0 |
| Other Financing Activities | (90.2) | 462.0 | (1,439.9) | (82.6) | 103.8 | (2,212.7) | 1,972.5 | 959.0 | 455.7 | 458.7 | 31.9 |
| Financing Cash Flow | (194.7) | (622.7) | (2,559.1) | (795.9) | (239.8) | (3,091.3) | 1,749.5 | 530.1 | 2,132.9 | 438.7 | 338.0 |
| Cash Position | |||||||||||
| Net Change in Cash | (549.1) | (22.3) | 290.3 | (2,012.5) | 2,375.1 | 105.7 | 717.0 | 1,010.0 | 1,486.5 | 845.3 | 15.2 |
| Cash at Beginning | 6,747.1 | 6,769.4 | 6,479.1 | 8,491.5 | 6,116.4 | 6,010.7 | 5,293.7 | 4,283.7 | 404.7 | 362.3 | 77.3 |
| Cash at End | 6,198.0 | 6,747.1 | 6,769.4 | 6,479.1 | 8,491.5 | 6,116.4 | 6,010.7 | 5,293.7 | 1,891.1 | 1,207.6 | 92.5 |
| Free Cash Flow | 1,774.2 | 2,865.4 | 875.3 | 216.1 | 575.0 | 2,174.9 | (264.2) | 1,796.3 | 1,773.7 | 1,058.4 | (209.4) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | 13,199.8 | 13,065.8 | 12,600.6 | 11,280.5 | 9,544.0 | 7,563.1 | 5,962.8 | 4,543.7 | 3,927.2 | 1,215.8 | 195.7 |
| Gross Profit | 10,378.6 | 10,364.0 | 10,435.9 | 9,095.6 | 7,628.2 | 6,237.5 | 4,754.5 | 3,558.1 | 2,952.7 | 827.6 | 96.3 |
| Operating Income | 2,883.2 | 2,535.1 | 2,383.9 | 2,515.3 | 2,613.8 | 2,307.5 | 2,646.4 | (2,504.3) | (2,351.5) | (978.9) | (340.8) |
| Net Income | 2,473.1 | 2,383.1 | 2,340.8 | 2,266.4 | 2,508.9 | 1,972.7 | 2,372.8 | 2,469.1 | 1,083.0 | 501.5 | (72.1) |
| EPS (Diluted) | 9.35 | 9.05 | 8.35 | 7.80 | 8.45 | 6.60 | 7.65 | 7.70 | -12.75 | -0.20 | -0.60 |
| Balance Sheet | |||||||||||
| Cash & Equivalents | 6,201.9 | 4,672.8 | 4,969.3 | 3,636.4 | 4,418.1 | 2,632.2 | 2,324.5 | 1,616.2 | 1,891.1 | 404.7 | 92.5 |
| Total Assets | 25,429.8 | 23,607.1 | 21,293.7 | 21,382.9 | 18,138.6 | 14,882.2 | 18,304.5 | 13,142.5 | 8,603.7 | 2,147.3 | 736.9 |
| Total Debt | 1,324.8 | 34.4 | 41.6 | 177.0 | 33.4 | 43.3 | 320.1 | 25 | 0 | 0 | 20 |
| Stockholders' Equity | 16,560.6 | 15,204.1 | 13,748.8 | 12,371.7 | 10,655.2 | 8,363.3 | 7,948.0 | 5,923.9 | 3,622.2 | 772.2 | 268.4 |
| Cash Flow | |||||||||||
| Operating Cash Flow | 1,867.6 | 2,893.2 | 1,413.4 | 268.8 | 630.2 | 2,206.9 | (215.5) | 1,885.0 | 1,864.5 | 1,088.2 | (191.9) |
| Capital Expenditure | (93.4) | (27.8) | (538.1) | (52.8) | (55.3) | (32.0) | (48.7) | (88.7) | (90.9) | (29.8) | (17.5) |
| Free Cash Flow | 1,774.2 | 2,865.4 | 875.3 | 216.1 | 575.0 | 2,174.9 | (264.2) | 1,796.3 | 1,773.7 | 1,058.4 | (209.4) |