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FinVolution Group Financial Ratios 2025-2011 | FINV
Brief overview of FinVolution Group's multiples and efficiency
The review covers five available annual periods spanning 2021 to 2025.
Key multiples at the end of the period are P/E 4.17x (median 2.94x), P/B 0.63x (median 0.52x), P/CF 5.67x (median 5.67x). On average, this basket is 20% above its own five-year medians. The market is pricing in elevated future expectations.
The 1/P/E calculation produces a 24% earnings yield. It does not capture future growth or capital structure.
End-period return metrics are ROE 15.4%, ROA 10%. Current resource returns are convincing and help explain a higher market valuation.
Price, earnings and growth produce a PEG of 0.23x. A value below one indicates moderate pricing relative to expected growth.
High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.
Overall picture
FinVolution Group's high quality ratios explain part of the market premium but increase sensitivity to slower growth.
Annual Financial Ratios FinVolution Group
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
4.2 | 4.7 | 2.9 | 2.9 | 2.2 | 2.5 | 1.2 | 1.9 | 4.8 | - | - | - | - | - | - |
P/S |
780.8 | 862.5 | 548.9 | 0.6 | - | 0.8 | 0.5 | 1.1 | 1.3 | - | - | - | - | - | - |
EPS |
2.0 | 1.9 | 1.7 | 1.6 | 1.8 | 1.3 | 1.6 | 1.6 | -2.6 | -0.1 | -0.3 | - | - | - | - |
EV (Enterprise Value) |
14.9 B | 14.6 B | 9.34 B | 11.8 B | 13 B | 8.79 B | 10.8 B | 10.2 B | 8.19 B | 1.38 B | 469 M | - | - | - | - |
EBITDA per Share |
0.05 | 0.05 | 0.02 | 0.02 | 0.03 | 0.04 | 0.04 | 0.03 | 0.03 | - | - | - | - | - | - |
EV/EBITDA |
223.8 | 210.8 | 414.9 | 494.7 | 114.3 | 2.5 | 0.4 | 2.1 | 2.7 | - | - | - | - | - | - |
PEG |
0.23 | 0.26 | -0.59 | -0.57 | - | -1.05 | -8.9 | 1.32 | 0.09 | - | - | - | - | - | - |
P/B |
0.6 | 0.7 | 0.5 | 0.5 | 0.5 | 0.6 | 0.3 | 0.8 | 1.4 | - | - | - | - | - | - |
P/CF |
5.7 | 3.9 | 5.1 | 27.4 | 8.9 | 2.3 | -13.0 | 2.4 | 1.5 | - | - | - | - | - | - |
ROE % |
15.36 | 15.67 | 17.03 | 18.32 | 23.43 | 23.40 | 29.62 | 41.25 | 29.41 | - | - | - | - | - | - |
ROA % |
10.00 | 10.10 | 10.99 | 10.60 | 13.83 | 13.26 | 12.96 | 18.79 | 12.59 | - | - | - | - | - | - |
Current Ratio |
3.0 | 2.9 | 2.9 | 2.4 | 2.4 | 2.3 | 1.8 | 1.8 | 1.7 | - | - | - | - | - | - |
DSO |
59640.4 | 64453.0 | 64375.0 | 67.3 | - | 49.4 | 51.9 | 34.8 | 0.8 | - | - | - | - | - | - |
Operating Cycle |
59640.4 | 64453.0 | 64375.0 | 67.3 | - | 49.4 | 51.9 | 34.8 | 0.8 | - | - | - | - | - | - |
Cash Conversion Cycle |
59640.4 | 64453.0 | 64375.0 | 67.3 | - | 49.4 | 51.9 | 34.8 | 0.8 | - | - | - | - | - | - |
All numbers in CNY currency
Quarterly Financial Ratios FinVolution Group
| 2025-Q4 | 2024-Q4 | 2023-Q4 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
2.02 | 1.85 | 1.7 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBITDA per Share |
0.05 | 0.05 | 0.02 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROE % |
15.36 | 15.67 | 17.03 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROA % |
10.00 | 10.10 | 10.99 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Current Ratio |
3.0 | 2.9 | 2.9 | - | - | - | - | 2.4 | - | - | - | 2.3 | - | - | - | 1.8 | - | - | - | 1.8 | - | - | - | 1.8 | - | - | - | 1.6 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
DSO |
14910.1 | 16113.2 | 8030.7 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in CNY currency
Multiples are an important financial analysis tool for the company FinVolution Group, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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