Stock fact sheet · data as of
FinVolution Group (FINV): fair value, margin of safety and Wheel Score
Financial Services · Financial - Credit Services · China · ADR · High Yield Income
Is FINV undervalued?
At 3.16 (close of 16 Oct 2026), FINV trades 94% below the GLS average fair value of 52.44. 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 EPV (13.35) and Payback Time (118.98). 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.
The nightly engine files FINV under High Yield Income: a dividend yield above 4%.
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 | 31.28 | +890% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 22.58 | +615% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 50.87 | +1510% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 20.91 | +562% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 73.58 | +2229% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 110.32 | +3391% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 118.98 | +3665% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 30.11 | +853% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 13.35 | +323% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 16.08 | +409% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 4.70 | +49% | 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 Sunday Scan's "6 or more" rule. 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. On durability FINV scores 5.9/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
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 21.1%.
The dividend yield is high at 9.68% (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 | 5.9 / 10 | ROE | 14.9% |
| Debt / equity | 0.08 | ROA | 9.7% |
| Free-cash-flow yield | 21.1% | Payout ratio | 0% |
| Institutions | 3 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 72: Good
With a Wheel Score of 72 - the Good band - FinVolution Group clears the Sunday Scan's "70 or higher" rule. The parts: Value 25/25, Health 11/20, Moat 9/15, Premium 12/20, Stability 14/20; Health (11/20) scores lowest.
Implied volatility is 91% on the near-the-money contracts 20-60 days out - above the 60% ceiling of the sweet spot. Premiums are large, but the Wheel Score tapers the Premium points (12 of 20) because volatility this high usually comes with a reason. Chain open interest is 12,464 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 1.3M shares a day on a market cap of $784M, with a beta of 0.39 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 14 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 94% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 9 / 15 | moat 5.9/10 | |
| Premium | 12 / 20 | implied volatility 91% | |
| Stability | 14 / 20 | 1.3M shares/day, $784M cap, beta 0.39 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 23 Nov 2026 (after the close), 38 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
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 |
|---|---|---|---|---|---|
| LU Lufax Holding Ltd | 0.8835 | 294,618.71 | +100% | 45Weak | $766M |
| WRLD World Acceptance Corporation | 172.33 | 314.22 | +45% | 39No options | $803M |
| PRAA PRA Group, Inc. | 19.81 | 5.98 | -231% | 45Weak | $746M |
| QFIN Qfin Holdings, Inc. | 5.69 | 254.77 | +98% | 82Prime | $741M |
| GDOT Green Dot Corporation | 12.26 | 48.58 | +75% | 45Weak | $699M |
| NAVI Navient Corporation | 9.56 | 40.08 | +76% | 45Weak | $897M |
| RWAYI Runway Growth Finance Corp. 7.25% Notes due 2031 | 24.68 | 7.84 | -215% | 8No options | $898M |
| PRG PROG Holdings, Inc. | 29.82 | 113.07 | +74% | 76Good | $1.2B |
| JCAP Jefferson Capital, Inc. Common Stock | 20.74 | 75.70 | +73% | 79Good | $1.2B |
| OPFI OppFi Inc. | 5.77 | 79.51 | +93% | 81Prime | $492M |
| ATLCL Atlanticus Holdings Corporation 6.125% Senior Notes due 2026 | 25.00 | 275.79 | +91% | 39No options | $1.4B |
| ATLCZ Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 | 25.11 | 271.22 | +91% | 39No options | $1.4B |
⚖ 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 3.16 the stock is 94% below the average fair value of 52.44 (data as of 16 Oct 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 72 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for FINV?
52.44 per share as of 16 Oct 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), 38 days from the data date of 16 Oct 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 36 listed contracts with 12,464 open interest across all expiries and implied volatility of 91% 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.