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Finvolution Group (FINV) stock

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NYSE: FINV NYSE Consumer Finance Next results ~November 18, 2026

Finvolution Group is a US-listed company in the consumer finance industry. Its financial year ends in December.

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders0 buying, 1 selling0 purchases and 1 sale by directors and officers, last 12 monthsInsider trades
  • Funds48 adding, 74 cuttingOf 18 active managers that changed their stake, 10 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Finvolution Group files

Where Finvolution stands after its latest Filing

Finvolution has little or no product revenue yet.

Our model value for Finvolution Group is under review, so past values are not shown until it is resolved.

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~November 18, 2026 (estimated)

Finvolution Group's trailing-twelve-month revenue grew 4.0% year on year, with a free-cash-flow margin of 13142.8%.

Current signal Net margin expanding: TTM net margin reached 18736.2%, up 496.7pp year over year.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Strong cash generation. 13142.8% of revenue turned into free cash flow.
  • Net cash. Cash exceeds long-term debt by $0.6bn.

Things to watch

  • Heavy stock-based pay. Stock pay equals 1098.4% of revenue: a real cost that cash-flow figures leave out.
  • Weak cash conversion. Free cash flow was 70% of net income over the last 12 months.

Latest results

Earnings per share
$1.77 against an average estimate of $1.61: beat by 9.9%
Next report
November 18, 2026

Finvolution Group's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+3.9%
  • 1 week+2.1%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$1.9M
Net margin
18736.2%
EPS (TTM, diluted)
$1.33

Growth

Revenue growth
+4.0%
Change in growth rate
+1.6 pts
Share count change
+1.1%

News & updates

Updated November 2, 2026

Company announcements, filed results and changes that matter to shareholders.

No recent updates are available for FINV from the sources we follow. See filings →

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Finvolution Group valuation models and calculator

No model value for Finvolution Group at the moment. Current status: data-quality checks not passed. Available reported financials are shown below.

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: data-quality checks not passed.

The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.

Valuation models

We value Finvolution Group as a bank or lender, with every model that fits that kind of business. Cost of equity 8.5%: the 10-year Treasury yield (4.9%) plus a beta of 0.78 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. — Does not apply: This model is withheld pending its input or assumption review.
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. — Does not apply: This model is withheld pending its input or assumption review.
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. — Does not apply: This model is withheld pending its input or assumption review.
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$7.2 ~$9.3–$14 Included
Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. — Does not apply: This model is withheld pending its input or assumption review.
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: This model is withheld pending its input or assumption review.
Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. — Combined value withheld. Review the individual models and their assumptions.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Finvolution Group with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: November 18, 2026, after the close.

Analysts' consensus

No analyst estimates are published for Finvolution Group: too few analysts cover it.

Earnings against estimates

Quarter toEstimateActualSurprise
Dec 2025 $1.61 $1.77 +9.9%

Adjusted EPS as companies report it, against the average analyst estimate.

Analyst recommendations

6 analysts, Nov 2026
Buy583%
Hold117%
Sell00%

Monthly trend

  1. Nov 2026516
  2. Oct 2026516

Counts of recommendations published by analysts covering Finvolution Group, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
4.3%
of tradable shares
Days to cover
4.81
at average volume
Short interest, 1 month
−9%
to October 15, 2026
Held by institutions
44%
of shares
Held by insiders
25.5%
of shares
Employees
3,869
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Recent prices are available. Older price history and the statistics that need it are being loaded in the background.

Price behaviour

52-week range
Not enough history
From 52-week high
—
vs 50-day average
—
vs 200-day average
—
Volatility (1 year)
—
Beta vs S&P 500
—

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Fundamentals

Revenue (TTM) Finvolution Group
$0 $500M $1B $1.5B $2B FY15 Q4 FY17 Q4 FY19 Q4 FY21 Q4 FY23 Q4 FY25 Q4 Revenue (TTM), FY15 Q4: $31.4M Revenue (TTM), FY16 Q4: $182.1M Revenue (TTM), FY17 Q4: $576.8M Revenue (TTM), FY18 Q4: $639.3M Revenue (TTM), FY19 Q4: $863.5M Revenue (TTM), FY20 Q4: $1.1B Revenue (TTM), FY21 Q4: $1.5B Revenue (TTM), FY22 Q4: $1.7B Revenue (TTM), FY23 Q4: $1.8M Revenue (TTM), FY24 Q4: $1.8M Revenue (TTM), FY25 Q4: $1.9M $1.9M

Source: SEC EDGAR filings. Retrieved Invalid Date.

View chart data
Period Revenue (TTM)
FY15 Q4 $31.4M
FY16 Q4 $182.1M
FY17 Q4 $576.8M
FY18 Q4 $639.3M
FY19 Q4 $863.5M
FY20 Q4 $1.1B
FY21 Q4 $1.5B
FY22 Q4 $1.7B
FY23 Q4 $1.8M
FY24 Q4 $1.8M
FY25 Q4 $1.9M
Revenue growth, TTM YoY Finvolution Group
-200% 0% 200% 400% 600% FY16 Q4 FY18 Q4 FY20 Q4 FY22 Q4 FY25 Q4 Revenue growth, TTM YoY, FY16 Q4: 479.6% Revenue growth, TTM YoY, FY17 Q4: 216.7% Revenue growth, TTM YoY, FY18 Q4: 10.8% Revenue growth, TTM YoY, FY19 Q4: 35.1% Revenue growth, TTM YoY, FY20 Q4: 26.9% Revenue growth, TTM YoY, FY21 Q4: 33.9% Revenue growth, TTM YoY, FY22 Q4: 12.9% Revenue growth, TTM YoY, FY23 Q4: -99.9% Revenue growth, TTM YoY, FY24 Q4: 2.4% Revenue growth, TTM YoY, FY25 Q4: 4.0% 4.0%

Source: SEC EDGAR filings. Retrieved Invalid Date.

View chart data
Period Revenue growth, TTM YoY
FY16 Q4 479.6%
FY17 Q4 216.7%
FY18 Q4 10.8%
FY19 Q4 35.1%
FY20 Q4 26.9%
FY21 Q4 33.9%
FY22 Q4 12.9%
FY23 Q4 -99.9%
FY24 Q4 2.4%
FY25 Q4 4.0%
FCF margin (TTM) Finvolution Group
-10000% 0% 10000% 20000% 30000% FY15 Q4 FY17 Q4 FY19 Q4 FY21 Q4 FY23 Q4 FY25 Q4 FCF margin (TTM), FY15 Q4: -106.1% FCF margin (TTM), FY16 Q4: 87.6% FCF margin (TTM), FY17 Q4: 85.2% FCF margin (TTM), FY18 Q4: 42.7% FCF margin (TTM), FY19 Q4: -4.4% FCF margin (TTM), FY20 Q4: 29.0% FCF margin (TTM), FY21 Q4: 6.1% FCF margin (TTM), FY22 Q4: 1.7% FCF margin (TTM), FY23 Q4: 6557.3% FCF margin (TTM), FY24 Q4: 21930.5% FCF margin (TTM), FY25 Q4: 13142.8% 13142.8%

Source: SEC EDGAR filings. Retrieved Invalid Date.

View chart data
Period FCF margin (TTM)
FY15 Q4 -106.1%
FY16 Q4 87.6%
FY17 Q4 85.2%
FY18 Q4 42.7%
FY19 Q4 -4.4%
FY20 Q4 29.0%
FY21 Q4 6.1%
FY22 Q4 1.7%
FY23 Q4 6557.3%
FY24 Q4 21930.5%
FY25 Q4 13142.8%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 20-F. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025
Income
Revenue 31 182 577 639 864 1,096 1,468 1,658 2 2 2
Net income −11 76 160 374 344 286 389 337 331 331 354
Diluted EPS — — — $1.17 $1.11 $0.96 $1.31 $1.16 $1.18 $1.26 $1.34
Growth (year on year)
Revenue — +479.6% +216.7% +10.8% +35.1% +26.9% +33.9% +12.9% −99.9% +2.4% +4.0%
Net income — — +112.2% +133.4% −8.2% −16.8% +36.0% −13.2% −2.0% +0.1% +6.8%
Diluted EPS — — — — −5.1% −13.7% +36.9% −11.3% +1.6% +6.6% +6.2%
Margins
Net margin −36.6% 41.5% 27.8% 58.5% 39.8% 26.1% 26.5% 20.4% >999% >999% >999%
Free-cash-flow margin −106.1% 87.6% 85.2% 42.7% −4.4% 29.0% 6.1% 1.7% >999% >999% >999%
Cash flow
Cash from operations −31 164 505 286 −31 320 98 35 192 402 260
Capital spending 3 4 13 13 7 2 9 8 76 4 12
Free cash flow −33 159 491 273 −38 318 89 27 116 398 248
Stock-based pay — 0 16 8 6 6 15 13 16 20 21
Free cash flow after stock pay — 159 476 265 −44 312 74 14 100 378 227
Balance sheet
Cash 14 58 291 235 334 403 693 527 700 640 613
Total debt 0 0 0 4 34 0 0 0 1 1 37
Net debt (negative = net cash) −14 −58 −291 −231 −300 −403 −693 −527 −699 −639 −576
Diluted shares 266m 266m 312m 320m 310m 298m 297m 291m 281m 264m 267m
Returned to shareholders
Dividends — — — — 57 38 49 55 61 61 71
Buybacks — — — 69 6 55 4 51 98 89 107
Total returned — — — 69 63 93 53 106 159 151 178

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2025 Q4 TTM
Buybacks (TTM)
$107M
Dividends (TTM)
$71M
Returned to shareholders
72%
of free cash flow
Buybacks, last 3 fiscal years
$294M
Diluted share count
+1.1%
year over year
Total shareholder yield
22.6%
dividends 9.1% + buybacks 13.6% of market value
Dividend payout ratio
20%
of net income paid out
R&D spending
3954.6%
of revenue

Competitors: side by side with peers

Closest by revenue in consumer finance
Last 12 months unless stated FINV DXF BETR MFIN OPFI CPSS Median
Revenue, last 12 months $2m $1m $190m $247m $364m $475m $1.5bn
Revenue growth, last 12 months 4.0% −28.1% 48.7% 5.2% 0.2% 10.4% 10.3%
Revenue growth, 3-year average — — 33.5% 11.1% 16.0% 11.5% 11.3%
Revenue growth, latest quarter — — 28.2% −1.4% −14.0% 21.7% 10.6%
Operating margin — — −348.2% — 38.3% — 11.2%
Net margin >999% −90.9% −94.5% 13.1% 28.0% 5.0% 10.6%
Cash from operations / revenue >999% −38.4% −81.5% 70.7% 111.3% 75.8% 25.1%
Free-cash-flow margin >999% −38.4% −82.0% 68.5% 105.9% 75.5% 18.9%
Free-cash-flow margin, 3-year average >999% — −211.6% 48.4% 100.4% 66.3% 25.4%
Stock pay / revenue >999% — 26.5% 3.0% 2.3% 0.5% 1.3%
Change in share count 1.1% 492.2% 9.1% 2.6% — −2.8% −0.0%

Median of all 40 companies we cover in consumer finance. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Who owns it

Funds buying and selling
Reported value
$264M
Institutions reporting
124
Shares held vs prior quarter
▼ 9.3%
Positions opened / closed
20 / 23

Top buyers and sellers, Q2 2026: 48 institutions bought and 74 sold ; the biggest buyer was Invesco Ltd (+1.0M shares) and the biggest seller Arrowstreet Capital, Limited Partnership (−1.6M). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Susquehanna International Group, LLP $79M 16.5M 29.9% 0.0%
Invesco Ltd. $28.7M 6.0M 10.9% ▲ 20.6%
Bank Of America Corp $19.9M 4.2M 7.5% ▼ 0.6%
Vanguard Capital Management LLC $15.8M 3.3M 6.0% ▲ 0.4%
Blackrock, Inc. $12.6M 2.6M 4.8% ▼ 13.7%
Morgan Stanley $12M 2.5M 4.5% ▲ 3.5%
Acadian Asset Management LLC $11.7M 2.5M 4.4% ▲ 19.8%
Causeway Capital Management LLC $10.9M 2.3M 4.1% ▼ 4.8%
Dimensional Fund Advisors LP $9.6M 2.0M 3.6% ▼ 9.8%
Goldman Sachs Group Inc $8.1M 1.7M 3.1% ▼ 7.8%
State Street Corp $7.6M 1.6M 2.9% ▼ 20.7%
American Century Companies Inc $5.8M 1.2M 2.2% ▲ 7.4%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Finvolution Group's complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $80,250 1 trade by 1 insider · 0% under pre-set plans
Net ▼ $80,250 net selling
Insider Date Trade Shares Price Value
Xiang Bing Director May 28, 2026 Sell 75,000 $1.07 $80,250

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Recent SEC filings

Data status

When each part of this page on Finvolution Group was last updated.

DataLast updatedSource
Share priceExchange closing prices
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Finvolution Group in brief

What does Finvolution Group do?
Finvolution Group is a US-listed company in the consumer finance industry. Its financial year ends in December.
What is Finvolution Group's stock ticker?
Finvolution Group trades under the ticker FINV on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Finvolution Group's revenue, and how fast is it growing?
Over its most recent trailing twelve months, Finvolution Group reported revenue of $1.9M, 4.0% higher than a year earlier, according to its SEC filings.
What is Finvolution Group's free cash flow?
Finvolution Group's free-cash-flow margin is 13142.8% of revenue over the trailing twelve months.
Who are Finvolution Group's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Susquehanna International Group, LLP, Invesco Ltd. and Bank Of America Corp. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Finvolution Group buying back stock, and does it pay a dividend?
Finvolution Group spent $107M on share repurchases over the trailing twelve months, and its diluted share count still rose 1.1% over the year.
Does Finvolution Group pay a dividend?
Yes: Finvolution Group paid $71M in dividends over the trailing twelve months, a dividend yield of 9.05% and a payout ratio of 20.1%.
Who are Finvolution Group's competitors?
In our Consumer Finance peer group, the companies closest to Finvolution Group are Eason Technology Ltd, Better Home & Finance Holding Co, Medallion Financial Corp, Oppfi Inc. and Consumer Portfolio Services, Inc. The side-by-side comparison below sets their revenue, margins and growth against Finvolution Group's.
Are insiders buying or selling Finvolution Group stock?
Over the last 12 months, Finvolution Group's directors and officers reported 0 open-market purchases and 1 sales on Form 4. The insider trading page charts every trade.
When is Finvolution Group's next earnings date?
Around November 18, 2026, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Finvolution Group announces its own schedule.