FinVolution

FINV

Financial - Credit Services · Financial Services

Price

$4.35

-0.05 (-1.14%)

Market Cap

$1.08B

Exchange

New York Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Quality

Strong

Growth

Mixed

Cash Flow

Good

Stability

Exceptional

Valuation

Good

Dividends

Exceptional

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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)

Winston Score History

The full picture

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.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

76.3%

Premium pricing power — 76.3% gross margin

Profit after running costs

Operating Margin

16.5%

Healthy — 16.5% operating margin

Return on the money invested

ROCE

14.6%

Good — 14.6% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

-1.1%

Shrinking sales (-1.1% YoY)

Profit growth

EPS YoY

-11.6%

Earnings shrinking (-11.6% YoY)

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

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash

Cash Conversion

70%

Modest — 70% of profit becomes cash

Spare cash per sale

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

What it owes vs what it owns

Debt / Equity

0.08

Conservative — low debt load (0.08)

Covers its interest

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

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

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Valuation

Price vs profit

P/E Ratio (TTM)

3.3x

Attractive valuation — P/E 3.3

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

Cheaper or dearer next year

P/E vs Forward

-0.5

SLOWING

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

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Dividends

Dividend

Dividend Yield

6.22%

Healthy income — 6.22% yield

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

Dividend record

Dividend Growth

+55.6%

Dividend growing fast (55.6% YoY)

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