FinVolution

FINV

Financial - Credit Services · Financial Services

Price

$4.86

+0.04 (+0.83%)

Market Cap

$1.21B

Exchange

New York Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 9, 2026 · filings through Mar 31, 2026

Share count falling — buybacks

−10.0% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 296.5M (2021) → 266.8M (2025)

FinVolution Group is a Chinese online lending platform that connects individual borrowers with lenders and institutional investors. It operates a digital marketplace where people can apply for personal loans through a mobile app or website, using technology to check creditworthiness quickly. The company mainly serves everyday consumers in China who want fast access to small personal loans.

FinVolution makes money by charging service fees on the loans it facilitates, rather than lending its own money directly in most cases. It operates primarily in China but has been expanding into Southeast Asian markets like Indonesia and the Philippines to find new growth. The company's competitive edge comes from its credit-scoring technology and large base of repeat borrowers, but it faces real risks from Chinese government regulation of the fintech lending industry, which has tightened significantly in recent years and could change the rules of the business at any time.

Winston Score History

Score breakdown

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Quality

Gross Margin

76.3%

Premium pricing power — 76.3% gross margin

Operating Margin

16.5%

Healthy — 16.5% operating margin

ROCE

3.0%

Weak — 3.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-1.1%

Shrinking sales (-1.1% YoY)

EPS YoY

-11.6%

Earnings shrinking (-11.6% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

70%

Modest — 70% of profit becomes cash

FCF Margin

8.4%

Modest free cash flow (8.4%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

0.08

Conservative — low debt load (0.08)

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

0.6x

Attractive valuation — P/E 0.6

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-0.0

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

6.22%

Healthy income — 6.22% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth

+55.6%

Dividend growing fast (55.6% YoY)

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