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Upturn AI SWOT - About
FinVolution Group (FINV)
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Upturn Advisory Summary
04/01/2025: FINV (5-star) is a STRONG-BUY. BUY since 129 days. Profits (78.31%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 94.1% | Avg. Invested days 54 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.56B USD | Price to earnings Ratio 5.35 | 1Y Target Price 6.88 |
Price to earnings Ratio 5.35 | 1Y Target Price 6.88 | ||
Volume (30-day avg) 1105276 | Beta 0.45 | 52 Weeks Range 4.63 - 11.08 | Updated Date 03/30/2025 |
52 Weeks Range 4.63 - 11.08 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 3.84% | Basic EPS (TTM) 1.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.94% | Operating Margin (TTM) 55.21% |
Management Effectiveness
Return on Assets (TTM) 20.22% | Return on Equity (TTM) 15.91% |
Valuation
Trailing PE 5.35 | Forward PE 3.67 | Enterprise Value 1473810979 | Price to Sales(TTM) 0.2 |
Enterprise Value 1473810979 | Price to Sales(TTM) 0.2 | ||
Enterprise Value to Revenue 0.82 | Enterprise Value to EBITDA 4.22 | Shares Outstanding 146004992 | Shares Floating 647144920 |
Shares Outstanding 146004992 | Shares Floating 647144920 | ||
Percent Insiders 19.55 | Percent Institutions 46.99 |
Analyst Ratings
Rating 4.67 | Target Price 6.88 | Buy - | Strong Buy 5 |
Buy - | Strong Buy 5 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
FinVolution Group
Company Overview
History and Background
FinVolution Group, formerly PPDai, was founded in 2007 in Shanghai, China. It pioneered online consumer finance in China and has evolved into a fintech platform connecting borrowers and investors. It initially operated as a peer-to-peer lending platform and later transitioned to a technology platform facilitating connections between institutional funding partners and borrowers.
Core Business Areas
- Loan Facilitation: Connects borrowers with institutional funding partners for small, short-term loans in China. Provides credit assessment, risk management, and collection services.
- Technology Services: Offers technology solutions to financial institutions, including risk assessment, fraud detection, and customer acquisition tools.
Leadership and Structure
The leadership team includes CEO Feng Zhang and a board of directors. The company operates with a typical corporate structure, including departments for technology, finance, marketing, and operations.
Top Products and Market Share
Key Offerings
- Loan Products: Small, short-term consumer loans facilitated through their platform. Average loan size varies based on borrower profile and needs. Market share data is difficult to ascertain precisely due to the fragmented nature of the consumer lending market in China. Competitors include Ant Group (Ant Financial), JD Digits, and numerous other fintech platforms and traditional banks.
- Technology Solutions: Risk assessment and fraud detection technologies offered to financial institutions. This includes their AI-powered credit scoring system. Market share is limited due to the smaller nature of the business. Competitors include other fintech companies specializing in AI powered decision making as well as internal IT and technology departments of the funding partners.
Market Dynamics
Industry Overview
The consumer lending industry in China is large and rapidly evolving, driven by increasing demand for credit and technological innovation. The industry is subject to regulatory changes and increased scrutiny.
Positioning
FinVolution Group is positioned as a leading fintech platform connecting borrowers and institutional funding partners in China. Its competitive advantage lies in its technology platform, data analytics capabilities, and risk management expertise.
Total Addressable Market (TAM)
The TAM for consumer lending in China is estimated to be in the trillions of USD. FinVolution Group is positioned to capture a share of this market through its platform and technology solutions.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Data analytics capabilities
- Risk management expertise
- Established brand recognition in China
- Large user base
Weaknesses
- Regulatory uncertainty in China
- Dependence on the Chinese market
- Potential for increased competition
- Relatively small size compared to larger fintech companies
Opportunities
- Expansion into new markets
- Development of new products and services
- Partnerships with other financial institutions
- Technological advancements (e.g., blockchain, AI)
Threats
- Increased regulatory scrutiny
- Economic slowdown in China
- Competition from larger fintech companies
- Changes in consumer behavior
Competitors and Market Share
Key Competitors
- JD
- 360 DigiTech (QFIN)
- LexinFintech (LX)
Competitive Landscape
FinVolution Group faces competition from other fintech platforms, traditional banks, and emerging players. Its competitive advantage lies in its technology platform and risk management capabilities. Competitors may have advantages in terms of brand recognition, funding, or regulatory approvals.
Major Acquisitions
None
- Year: 2023
- Acquisition Price (USD millions): 0
- Strategic Rationale: No significant acquisitions.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by the increasing demand for consumer credit in China. Historical data suggests volatility.
Future Projections: Future growth projections depend on analyst estimates and the company's ability to execute its strategy. Refer to updated reports for projections.
Recent Initiatives: Recent initiatives include new technology integrations, focusing on user satisfaction, and expansion to new markets.
Summary
FinVolution Group is a leading fintech platform in China that connects borrowers and funding partners. It has a strong technology platform and risk management expertise but faces regulatory uncertainty. The company's growth depends on its ability to adapt to the changing market environment and compete with larger players. Although the company may have certain risks, overall, the company has strong financials and an increasing volume of users.
Similar Companies
JD
JD.com Inc Adr
JD
JD.com Inc Adr
LX
Lexinfintech Holdings Ltd
LX
Lexinfintech Holdings Ltd
QFIN
360 Finance Inc
QFIN
360 Finance Inc
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
- Third-Party Research
Disclaimers:
The information provided is for informational purposes only and does not constitute investment advice. Investment decisions should be made based on individual circumstances and with the advice of a qualified financial advisor. Market data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About FinVolution Group
Exchange NYSE | Headquaters - | ||
IPO Launch date 2017-11-10 | Co-Founder, CEO & Vice Chairman Mr. Tiezheng Li | ||
Sector Financial Services | Industry Credit Services | Full time employees - | Website https://ir.finvgroup.com |
Full time employees - | Website https://ir.finvgroup.com | ||
FinVolution Group operates in the online consumer finance industry. The company operates a fintech platform that is empowered by borrowers with financial institutions. It operates in China and internationally. The company was formerly known as PPDAI Group Inc. and changed its name to FinVolution Group in November 2019. FinVolution Group was founded in 2007 and is headquartered in Shanghai, the People's Republic of China.
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