FINV PE Ratio & Valuation,Is FINV Overvalued

FINV Relative Valuation

FINV's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, FINV is overvalued; if below, it's undervalued.

Historical Valuation

FinVolution Group (FINV) is now in the Undervalued zone, suggesting that its current forward PE ratio of 3.91 is considered Undervalued compared with the five-year average of 4.17. The fair price of FinVolution Group (FINV) is between 6.57 to 8.67 according to relative valuation methord. Compared to the current price of 5.26 USD , FinVolution Group is Undervalued By 19.97%.

Relative Value

Fair Zone

6.57-8.67

Current Price：5.26

19.97%

Undervalued

3.84

1.43

EV/EBITDA

FinVolution Group. (FINV) has a current EV/EBITDA of 1.43. The 5-year average EV/EBITDA is 1.48. The thresholds are as follows: Strongly Undervalued below -0.92, Undervalued between -0.92 and 0.28, Fairly Valued between 2.69 and 0.28, Overvalued between 2.69 and 3.89, and Strongly Overvalued above 3.89. The current Forward EV/EBITDA of 1.43 falls within the Historic Trend Line -Fairly Valued range.

1.48

EV/EBIT

FinVolution Group. (FINV) has a current EV/EBIT of 1.48. The 5-year average EV/EBIT is 1.55. The thresholds are as follows: Strongly Undervalued below -0.53, Undervalued between -0.53 and 0.51, Fairly Valued between 2.59 and 0.51, Overvalued between 2.59 and 3.63, and Strongly Overvalued above 3.63. The current Forward EV/EBIT of 1.48 falls within the Historic Trend Line -Fairly Valued range.

0.71

FinVolution Group. (FINV) has a current PS of 0.71. The 5-year average PS is 0.89. The thresholds are as follows: Strongly Undervalued below 0.34, Undervalued between 0.34 and 0.61, Fairly Valued between 1.16 and 0.61, Overvalued between 1.16 and 1.43, and Strongly Overvalued above 1.43. The current Forward PS of 0.71 falls within the Historic Trend Line -Fairly Valued range.

5.00

P/OCF

FinVolution Group. (FINV) has a current P/OCF of 5.00. The 5-year average P/OCF is 3.95. The thresholds are as follows: Strongly Undervalued below -0.21, Undervalued between -0.21 and 1.87, Fairly Valued between 6.03 and 1.87, Overvalued between 6.03 and 8.12, and Strongly Overvalued above 8.12. The current Forward P/OCF of 5.00 falls within the Historic Trend Line -Fairly Valued range.

5.42

P/FCF

FinVolution Group. (FINV) has a current P/FCF of 5.42. The 5-year average P/FCF is 5.50. The thresholds are as follows: Strongly Undervalued below -2.90, Undervalued between -2.90 and 1.30, Fairly Valued between 9.70 and 1.30, Overvalued between 9.70 and 13.91, and Strongly Overvalued above 13.91. The current Forward P/FCF of 5.42 falls within the Historic Trend Line -Fairly Valued range.

FinVolution Group (FINV) has a current Price-to-Book (P/B) ratio of 0.57. Compared to its 3-year average P/B ratio of 0.80 , the current P/B ratio is approximately -28.78% higher. Relative to its 5-year average P/B ratio of 0.88, the current P/B ratio is about -35.60% higher. FinVolution Group (FINV) has a Forward Free Cash Flow (FCF) yield of approximately 19.12%. Compared to its 3-year average FCF yield of 12.24%, the current FCF yield is approximately 56.16% lower. Relative to its 5-year average FCF yield of 11.36% , the current FCF yield is about 68.36% lower.

0.56

P/B

Median3y

0.80

Median5y

0.88

19.12

FCF Yield

Median3y

12.24

Median5y

11.36

Competitors Valuation Multiple

The average P/S ratio for FINV's competitors is , providing a benchmark for relative valuation. FinVolution Group Corp (FINV) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 2.09%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of FINV decreased by 23.86% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 2.67B to 2.73B.

The secondary factor is the Margin Expansion, contributed 0.56%to the performance.

Overall, the performance of FINV in the past 1 year is driven by Revenue Growth. Which is more sustainable.

2.09%

2.67B → 2.73B

Revenue Growth

0.56%

23.35 → 23.48

Margin Expansion

-26.51%

4.66 → 3.42

P/E Change

-23.86%

6.79 → 5.17

Mkt Cap Growth

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Frequently Asked Questions

Is FinVolution Group (FINV) currently overvalued or undervalued?

What is FinVolution Group (FINV) fair value?

FINV's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of FinVolution Group (FINV) is between 6.57 to 8.67 according to relative valuation methord.

How does FINV's valuation metrics compare to the industry average?

What is the current P/B ratio for FinVolution Group (FINV) as of Dec 16 2025?

As of Dec 16 2025, FinVolution Group (FINV) has a P/B ratio of 0.57. This indicates that the market values FINV at 0.57 times its book value.

What is the current FCF Yield for FinVolution Group (FINV) as of Dec 16 2025?

As of Dec 16 2025, FinVolution Group (FINV) has a FCF Yield of 19.12%. This means that for every dollar of FinVolution Group’s market capitalization, the company generates 19.12 cents in free cash flow.

What is the current Forward P/E ratio for FinVolution Group (FINV) as of Dec 16 2025?

As of Dec 16 2025, FinVolution Group (FINV) has a Forward P/E ratio of 3.91. This means the market is willing to pay $3.91 for every dollar of FinVolution Group’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for FinVolution Group (FINV) as of Dec 16 2025?

As of Dec 16 2025, FinVolution Group (FINV) has a Forward P/S ratio of 0.71. This means the market is valuing FINV at $0.71 for every dollar of expected revenue over the next 12 months.

FINV Valuation