FinVolution Group American Depositary Shares (FINV)

FairStock Score: 81/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At $3.07 at the close on 2026-10-13, FinVolution is priced as if the market expects trouble. FairStock's calculations show a P/E of 2.79 and P/B of 0.29, and its Graham Number is $18.67, implying an 83.56% margin of safety. That is classic deep-value territory. The business operates online consumer finance platforms in China, Indonesia, and the Philippines, and in the second quarter of 2026 it reported revenue of $3.4B and net income of $441.6M. The competitive moat is not obvious: online consumer lending is competitive, and the figures do not show durable pricing power. It generates substantial cash: trailing twelve-month free cash flow is $1.1B, a 91.3% FCF yield on the $1.2B market cap. FairStock calculates ROE of 11.58% and ROCE of 14.07%, while D/E is a low 0.09; the dividend yield is 9.27% and beta is 0.39. Yet this is not a clean compounder. Provided growth figures show revenue down 11.95% and profit down 37.61%, and FairStock's Altman Z-Score of 1.60 suggests financial risk. Its Lynch category is none because only 0 years of filed results are available, needing 3. The Piotroski F-Score is 6/9, and EV/EBITDA is -0.22. A cheap multiple can be a warning, not a gift, especially in consumer credit where credit losses and regulation can destroy book value. I would want evidence that revenue and profit are stabilizing, that cash flow is real and recurring, and that the dividend is covered. If those conditions hold, the valuation is extraordinary; if not, it may be a value trap. Margin of safety exists, but so does uncertainty.

In plain English: FinVolution runs online lending platforms in China and parts of Southeast Asia. The company is profitable and pays a large dividend, but its sales and profit have been falling. The share price looks very low compared with its profits and net assets, though the market may be pricing in risks.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer