FINV · Finvolution Group - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $1.94B | $1.79B | $1.77B | $1.61B | $1.49B | $1.16B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | $76.73M | $68.05M | $71.97M | $71.26M | $68.24M | $56.73M |
| SG&A | $63.23M | $56.66M | $54.93M | $58.25M | $81.32M | $70.67M |
| Total Operating Expenses | $1.52B | $1.44B | $1.43B | $1.25B | $1.08B | $805.45M |
| D&A | $9.51M | $9.52M | $3.17M | $3.45M | $5.85M | $7.94M |
| Operating Income | $443.50M | $389.80M | $391.36M | $396.69M | $429.36M | $371.49M |
| Interest Expense | $4.07M | - | - | - | - | - |
| Income Tax | $79.54M | $62.66M | $55.65M | $65.94M | $37.79M | $69.80M |
| Net Income | $363.56M | $326.49M | $329.70M | $328.60M | $393.71M | $302.33M |
| EPS - Basic | $0.29 | $0.25 | $0.24 | $0.23 | $0.28 | $0.20 |
| EPS - Diluted | $0.27 | $0.25 | $0.24 | $0.23 | $0.27 | $0.20 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $612.76M | $640.17M | $699.91M | $527.23M | $693.30M | $403.40M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $3.63B | $3.23B | $3.00B | $3.10B | $2.85B | $2.28B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $12.81M | - | - | - | - | - |
| Total Liabilities | $1.23B | $1.10B | $1.05B | $1.30B | $1.17B | $988.79M |
| Stockholders' Equity | $2.37B | $2.08B | $1.94B | $1.79B | $1.67B | $1.28B |
| Retained Earnings | $1.72B | $1.40B | $1.18B | $941.96M | $736.11M | $406.42M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $267.06M | $396.36M | $199.08M | $38.98M | $98.90M | $338.22M |
| Investing Cash Flow | ($312.26M) | ($314.53M) | $199.09M | ($225.20M) | $313.04M | $159.62M |
| Financing Cash Flow | ($27.84M) | ($85.31M) | ($360.44M) | ($115.39M) | ($37.63M) | ($473.76M) |
| CapEx | $12.04M | $3.80M | $75.79M | $7.65M | $8.67M | $1.69M |
| Free Cash Flow | $255.03M | $392.56M | $123.29M | $31.32M | $90.22M | $336.54M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 22.9% | 21.8% | 22.1% | 24.6% | 28.9% | 32.1% |
| EBITDA margin | 23.3% | 22.3% | 22.3% | 24.8% | 29.3% | 32.7% |
| Net margin | 18.7% | 18.2% | 18.7% | 20.4% | 26.5% | 26.1% |
| Free cash flow margin | 13.1% | 21.9% | 7.0% | 1.9% | 6.1% | 29.0% |
| FCF / Net income | 0.70 | 1.20 | 0.37 | 0.10 | 0.23 | 1.11 |
| R&D / Revenue | 4.0% | 3.8% | 4.1% | 4.4% | 4.6% | 4.9% |
| SG&A / Revenue | 3.3% | 3.2% | 3.1% | 3.6% | 5.5% | 6.1% |
| Effective tax rate | 18.0% | 16.1% | 14.4% | 16.7% | 8.8% | 18.8% |
| Return on assets | 10.0% | 10.1% | 11.0% | 10.6% | 13.8% | 13.3% |
| Return on equity | 15.4% | 15.7% | 17.0% | 18.3% | 23.5% | 23.6% |
| Return on invested capital | 15.3% | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.01 | - | - | - | - | - |
| Debt / Assets | 0.00 | - | - | - | - | - |
| Debt / EBITDA | 0.03 | - | - | - | - | - |
| Interest coverage | 108.9x | - | - | - | - | - |
| Equity multiplier | 1.54 | 1.55 | 1.55 | 1.73 | 1.70 | 1.78 |
| Liabilities / Assets | 0.34 | 0.34 | 0.35 | 0.42 | 0.41 | 0.43 |
| Efficiency | ||||||
| Asset turnover | 0.53 | 0.55 | 0.59 | 0.52 | 0.52 | 0.51 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 19.4x | 27.2x | 20.4x | 21.6x | 18.3x | 13.3x |
| P / B | 2.9x | 4.3x | 3.5x | 4.0x | 4.4x | 3.1x |
| P / S | 3.6x | 5.0x | 3.9x | 4.5x | 4.9x | 3.4x |
| EV / EBITDA | 14.1x | 20.8x | 15.7x | 16.7x | 15.2x | 9.4x |
| Growth | ||||||
| Revenue growth (YoY) | 8.4% | 1.3% | 9.5% | 8.6% | 28.2% | 35.3% |
| Revenue CAGR (3y) | 6.3% | 6.4% | 15.1% | 23.5% | 32.9% | 24.6% |
| Revenue CAGR (5y) | 10.9% | 15.9% | 22.8% | 21.9% | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 13.8% | -0.4% | -1.3% | -7.6% | 15.6% | -9.5% |
| Net income growth (YoY) | 11.4% | -1.0% | 0.3% | -16.5% | 30.2% | -11.3% |
| EPS growth (YoY) | 8.0% | 4.2% | 4.3% | -14.8% | 35.0% | -8.9% |
| EPS CAGR (3y) | 5.5% | -2.5% | 6.3% | 1.6% | 6.3% | - |
| EPS CAGR (5y) | 6.2% | 2.6% | 1.3% | - | - | - |
| FCF growth (YoY) | -35.0% | 218.4% | 293.6% | -65.3% | -73.2% | - |
| FCF CAGR (5y) | -5.4% | - | -14.0% | -35.1% | - | - |
| Book value growth (YoY) | 13.6% | 7.6% | 8.0% | 7.3% | 30.5% | 12.3% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
2/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: Loan Brokers
Comparing FinVolution Group against the 4 most active filers in the same SIC group.
Dividends
$0.31/share trailing 12 months · +10.5% YoY
| Ex-date | Per share |
|---|---|
| Apr 16, 2026 | $0.3060 |
| Apr 16, 2025 | $0.2770 |
| Apr 15, 2024 | $0.2370 |
| Apr 12, 2023 | $0.2150 |
| Apr 12, 2022 | $0.2050 |
| Apr 6, 2021 | $0.1700 |
| Apr 6, 2020 | $0.1200 |
| Apr 4, 2019 | $0.1900 |