FinVolution Groups - ADR Financials

$2.90

$-0.12 (-3.97%)

As on 02-Oct-2026 16:20EDT

Market cap

$713 Mln

Revenue (TTM)

$13,053 Mln

P/E Ratio

2.7

P/B Ratio

0.3

Div. Yield

0 %

Annual
Quarterly

Income Statement (CN¥ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Operating Revenue	13,052.96	13,199.79	13,065.82	12,600.56	11,134.20	9,470.13
Cost of Revenue	3,101.96	2,821.14	2,701.85	2,164.63	2,038.62	1,841.96
Gross Profit	9,951.01	10,378.65	10,363.97	10,435.93	9,095.58	7,628.17
Operating Expenses	7,645.21	7,495.43	7,828.85	8,052.04	6,580.24	5,014.41
Operating Profit (EBIT)	2,305.79	2,883.22	2,535.13	2,383.89	2,515.34	2,613.77
Other Income	--	--	--	--	--	--
Profit before Tax	2,325.60	3,016.95	2,845.25	2,778.59	2,736.03	2,736.13
Provision for Tax	431.02	541.09	457.41	395.10	454.78	240.82
Profit after Tax (Net Income)	1,896.00	2,473.14	2,383.15	2,340.84	2,266.38	2,508.95
Minority Interest	1.54	-2.80	-4.70	-43.21	-14.87	13.63
Consolidated Profit	--	--	--	--	2,266.38	2,508.95

Liabilities (CN¥ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Shareholder's Funds	16,637.37	16,560.64	15,204.06	13,748.79	12,371.70	10,655.25
Minority Interest	1.54	293.89	349.61	122.11	72.79	--
Non-Current Liabilities	8,948.53	8,404.56	3,628.83	6,479.92	4,009.23	3,424.30
Current Liabilities	387.59	170.52	4,424.62	3,661.15	4,929.19	4,004.64
Total Liabilities	26,469.97	25,429.79	23,607.12	21,293.67	21,382.91	18,138.55

Assets (CN¥ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Non-Current Assets	13,707.43	12,864.83	4,535.20	3,087.60	2,486.32	1,737.75
Current Assets	12,374.95	12,564.96	19,071.93	18,206.07	18,896.59	16,400.80
Total Assets	24,213.44	25,429.79	23,607.12	21,293.67	21,382.91	18,138.55
Total Debt*	1,575.06	1,324.82	34.36	41.63	176.99	33.36
Net Current Assets	14,243.89	16,343.77	14,647.31	14,544.92	13,922.96	12,331.41

Cashflow (CN¥ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Cash From Operating Activities	--	1,867.60	2,893.16	1,413.42	268.83	630.23
Cash Flow from Investing Activities	--	-2,183.70	-2,295.82	1,413.49	-1,553.23	1,994.85
Cash from Financing Activities	--	-194.70	-622.72	-2,559.05	-795.86	-239.80
Net Cash Inflow / Outflow	--	--	--	--	--	--

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Adjusted EPS (CN¥)	7.25	9.31	9.14	8.56	7.84	8.45
Cash EPS (CN¥)	--	9.64	9.47	8.81	8.07	8.68
Adjusted Book Value (CN¥)	--	62.33	58.32	50.27	42.81	35.87
Dividend per Share (CN¥)	--	--	--	--	--	--
Cash Flow per Share (CN¥)	--	7.03	11.10	5.17	0.93	2.12
Free Cash Flow per Share (CN¥)	--	6.68	10.99	3.20	0.75	1.94

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
ROCE (%)	--	14.93	16.42	17.77	19.51	26.28
ROE (%)	11.43	15.57	16.46	17.92	19.68	26.38
ROA (%)	6.96	10.09	10.62	10.97	11.47	15.20
EBIT Margin (%)	17.54	22.86	19.40	18.92	22.59	27.60
Net Margin (%)	14.53	18.74	18.24	18.58	20.36	26.49
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Revenue Growth (%)	-5.36	0.01	0.04	0.13	0.18	0.25
EBIT Growth (%)	-9.72	19.01	6.34	-5.23	-3.77	13.27
Net Profit Growth (%)	-5.48	3.78	1.81	3.29	-9.67	27.18
EPS Growth (%)	-31.79	0.02	0.07	0.09	-0.07	0.23
Book Value Growth (%)	11.25	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debt to Equity	0.07	0.08	0.00	0.00	0.01	0.00
Short term debt to equity ratio	0.02	0.01	0.00	0.00	--	--
Current Ratio	31.93	73.69	4.31	4.97	3.83	4.10
Quick Ratio	31.93	--	--	4.92	4.57	4.78
Interest Coverage	136.63	105.96	--	--	12.22	12.74

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debtors to sales (%)	83.62	25.35	63.38	17.53	54.56	51.85
Asset Turnover	0.48	0.54	0.58	0.59	0.56	0.57
Receivable days	--	160.87	146.62	120.05	180.17	178.78
Inventory Days	--	--	27.79	-289.50	-570.44	-609.63
Payable days	--	--	48.31	60.30	--	--
Cash Conversion Cycle	--	--	126.10	-229.74	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.