Stock fact sheet · data as of
FinVolution Group (FINV): fair value, margin of safety and Wheel Score
Ticker symbol FINV · Financial Services · Financial - Credit Services · China · ADR · Value Income
FINV is an American depositary share (ADR): the US listing of FinVolution Group, whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.
Is FINV undervalued?
At 3.04 (close of 5 Nov 2026), FINV trades 90% below the GLS average fair value of 29.64. That average comes from 9 models run on the latest filings, and 9 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns FinVolution Group the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between DDM (4.89) and GLS Growth (73.76). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, FINV is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 95, growth score 56, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
Nine valuation models for FINV
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 33.47 | +1001% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 16.55 | +444% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 50.99 | +1577% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 20.96 | +589% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 73.76 | +2326% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 22.55 | +642% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 30.23 | +894% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 4.89 | +61% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 13.39 | +340% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 2.43 | -20% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 4.70 | +55% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
FinVolution Group scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 9.0/10 puts FINV among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.
Returns on capital are high - ROIC 13.8%, ROE 14.9%, ROA 9.7% - with debt at 0.08 times equity and a free-cash-flow yield of 22.2%.
The dividend yield is high at 10.93% (payout ratio 0%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Loan Facilitation Service Fees 49%, Guarantee Income 39%, Financial Service, Other 12% (fiscal year FY2025).
Institutional ownership scores 3/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 13.8% |
|---|---|---|---|
| GLS Moat | 9.0 / 10 | ROE | 14.9% |
| Debt / equity | 0.08 | ROA | 9.7% |
| Free-cash-flow yield | 22.2% | Payout ratio | 0% |
| Institutions | 3 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 39: Weak
With a Wheel Score of 39 FinVolution Group sits in the Weak band. It fails filter 1, options that actually trade - options too quiet (1,329 open interest, 20 a day); and filter 4, financially healthy - Piotroski 5/9 (under 6); and filter 6, no serious red flags - Red Flags score 47 (under 60); and filter 7, a premium worth selling - implied volatility 85% (over 80%); and filter 8, big enough - market cap $747M (under $1.0B); and filter 9, not a penny stock - price 3.04 (under $5); Red Flags (weak) is its weakest part.
Implied volatility is 85%, above the 80% ceiling of the Wheel Trade Filter on premium. The premium looks generous, but moves of that size can blow through any strike. Chain open interest is thin - 1,329 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 517k shares a day on a market cap of $747M, with a beta of 0.36 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (1,329 open interest, 20 a day) |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Fails | Red Flags score 47 (under 60) |
| 7 | A premium worth selling | Fails | implied volatility 85% (over 80%) |
| 8 | Big enough | Fails | market cap $747M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 3.04 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 90% below fair value | |
| Premium | Fair | implied volatility 85% | |
| Moat | Strong | moat 9.0/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Weak | Red Flags score 47/100 | |
| Option trading | Weak | 20 contracts a day, 1,329 open interest | |
| Stability | Fair | beta 0.36, $747M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 23 Nov 2026 (after the close), 18 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Credit Services
The 12 companies below are the closest to FinVolution Group by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| WRLD World Acceptance Corporation | 161.10 | 319.33 | +50% | 37No options | $751M |
| PRAA PRA Group, Inc. | 20.18 | 5.98 | -238% | 34Weak | $760M |
| GDOT Green Dot Corporation | 12.76 | 48.27 | +74% | 48Weak | $727M |
| NAVI Navient Corporation | 9.07 | 40.08 | +77% | 40Weak | $851M |
| RWAYI Runway Growth Finance Corp. 7.25% Notes due 2031 | 24.81 | 26.78 | +7% | 15No options | $903M |
| OPRT Oportun Financial Corporation | 13.01 | 40.48 | +68% | 44Weak | $598M |
| OPFI OppFi Inc. | 6.37 | 53.03 | +88% | 41Weak | $543M |
| TREE LendingTree, Inc. | 38.35 | 147.03 | +74% | 46Weak | $538M |
| TRNI Trinity Capital Inc. | 25.15 | 75.63 | +67% | 26No options | $1.1B |
| JCAP Jefferson Capital, Inc. Common Stock | 20.64 | 75.43 | +73% | 49Weak | $1.2B |
| ATLCP Atlanticus Holdings Corporation | 20.88 | 258.14 | +92% | 34No options | $1.3B |
| ATLCZ Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 | 25.22 | 271.56 | +91% | 28No options | $1.5B |
⚖ Compare FINV with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about FINV
Is FINV undervalued right now?
By the GLS models, yes: at 3.04 the stock is 90% below the average fair value of 29.64 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of FINV and what does it mean?
FINV scores 39 out of 100 (Weak) - it fails Wheel Trade Filters 1, 4, 6, 7, 8, 9. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for FINV?
29.64 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does FinVolution Group report earnings next?
The next earnings report is due on 23 Nov 2026 (after the close), 18 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does FINV have listed options, and how liquid are they?
Yes. The nightly snapshot found 4 listed contracts with 1,329 open interest across all expiries and implied volatility of 85% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.
Is FINV an ADR?
Yes. FINV is an American depositary share (ADR): the US listing of FinVolution Group, whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.