What is Finvolution Group's earnings per share (EPS)?

Finvolution Group (FINV) reported diluted earnings per share of $0.25 for fiscal year 2024. This represents a 4.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Finvolution Group Financials

FINV

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2024 Currency USD FYE December

This page shows Finvolution Group (FINV) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 63/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Finvolution Group's revenue grew a modest 1.3% year-over-year to $1.8B. This slow but positive growth earns a score of 35/100.

Leverage

Finvolution Group carries a low D/E ratio of 0.53, meaning only $0.53 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 91/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Finvolution Group converts 21.9% of revenue into free cash flow ($392.6M). This strong cash generation earns a score of 80/100.

Returns

Finvolution Group's ROE of 15.7% shows moderate profitability relative to equity, earning a score of 46/100. This is down from 17.0% the prior year.

Piotroski F-Score Weak

3/9

Finvolution Group passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.21x

For every $1 of reported earnings, Finvolution Group generates $1.21 in operating cash flow ($396.4M OCF vs $326.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.8B

YoY+1.3%

5Y CAGR+15.9%

Finvolution Group generated $1.8B in revenue in fiscal year 2024. This represents an increase of 1.3% from the prior year.

EBITDA

N/A

Net Income

$326.5M

YoY-1.0%

5Y CAGR-0.9%

Finvolution Group reported $326.5M in net income in fiscal year 2024. This represents a decrease of 1.0% from the prior year.

EPS (Diluted)

$0.25

YoY+4.2%

5Y CAGR+2.6%

Finvolution Group earned $0.25 per diluted share (EPS) in fiscal year 2024. This represents an increase of 4.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$392.6M

YoY+218.4%

Finvolution Group generated $392.6M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 218.4% from the prior year.

Cash & Debt

$640.2M

YoY-8.5%

5Y CAGR+13.9%

Finvolution Group held $640.2M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

18.2%

YoY-0.4pp

5Y CAGR-21.5pp

Finvolution Group's net profit margin was 18.2% in fiscal year 2024, showing the share of revenue converted to profit. This is down 0.4 percentage points from the prior year.

Return on Equity

15.7%

YoY-1.4pp

5Y CAGR-14.2pp

Finvolution Group's ROE was 15.7% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 1.4 percentage points from the prior year.

Capital Allocation

R&D Spending

$68.1M

YoY-5.4%

5Y CAGR+3.9%

Finvolution Group invested $68.1M in research and development in fiscal year 2024. This represents a decrease of 5.4% from the prior year.

Share Buybacks

$88.1M

YoY-9.9%

5Y CAGR+70.7%

Finvolution Group spent $88.1M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 9.9% from the prior year.

Capital Expenditures

$3.8M

YoY-95.0%

5Y CAGR-11.5%

Finvolution Group invested $3.8M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 95.0% from the prior year.

FINV Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$1.8B+1.3%	$1.8B+9.5%	$1.6B+8.6%	$1.5B+28.2%	$1.2B+35.3%	$856.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	$68.1M-5.4%	$72.0M+1.0%	$71.3M+4.4%	$68.2M+20.3%	$56.7M+1.1%	$56.1M
SG&A Expenses	$56.7M+3.1%	$54.9M-5.7%	$58.2M-28.4%	$81.3M+15.1%	$70.7M+12.9%	$62.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$62.7M+12.6%	$55.6M-15.6%	$65.9M+74.5%	$37.8M-45.9%	$69.8M+0.8%	$69.2M
Net Income	$326.5M-1.0%	$329.7M+0.3%	$328.6M-16.5%	$393.7M+30.2%	$302.3M-11.3%	$340.8M
EPS (Diluted)	$0.25+4.2%	$0.24+4.3%	$0.23-14.8%	$0.27+35.0%	$0.20-8.9%	$0.22

Metric	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18	Q4'17
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

FINV Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$3.2B+7.8%	$3.0B-3.3%	$3.1B+8.9%	$2.8B+24.8%	$2.3B-13.3%	$2.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$640.2M-8.5%	$699.9M+32.8%	$527.2M-24.0%	$693.3M+71.9%	$403.4M+20.8%	$333.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$329.6M+6.0%	$311.1M-3.2%	$321.5M+8.4%	$296.7M+124.1%	$132.4M+4.5%	$126.7M
Goodwill	$6.9M-2.7%	$7.1M-2.9%	$7.3M-7.6%	$7.9M+2.4%	$7.7M+6.7%	$7.2M
Total Liabilities	$1.1B+5.5%	$1.0B-19.3%	$1.3B+11.2%	$1.2B+17.9%	$988.8M-33.1%	$1.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$2.1B+7.6%	$1.9B+8.0%	$1.8B+7.3%	$1.7B+30.5%	$1.3B+12.3%	$1.1B
Retained Earnings	$1.4B+18.8%	$1.2B+25.0%	$942.0M+28.0%	$736.1M+81.1%	$406.4M+43.9%	$282.5M

Metric	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18	Q4'17
Total Assets	$3.2B+7.8%	$3.0B-3.3%	$3.1B+8.9%	$2.8B+24.8%	$2.3B-13.3%	$2.6B+37.6%	$1.9B+44.6%	$1.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$640.2M-8.5%	$699.9M+32.8%	$527.2M-24.0%	$693.3M+71.9%	$403.4M+20.8%	$333.9M+42.0%	$235.1M-19.1%	$290.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$329.6M+6.0%	$311.1M-3.2%	$321.5M+8.4%	$296.7M+124.1%	$132.4M+4.5%	$126.7M+7.3%	$118.1M+4223.1%	$2.7M
Goodwill	$6.9M-2.7%	$7.1M-2.9%	$7.3M-7.6%	$7.9M+2.4%	$7.7M+6.7%	$7.2M-1.2%	$7.3M-5.4%	$7.7M
Total Liabilities	$1.1B+5.5%	$1.0B-19.3%	$1.3B+11.2%	$1.2B+17.9%	$988.8M-33.1%	$1.5B+42.0%	$1.0B+37.6%	$756.4M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$2.1B+7.6%	$1.9B+8.0%	$1.8B+7.3%	$1.7B+30.5%	$1.3B+12.3%	$1.1B+32.5%	$861.6M+54.8%	$556.7M
Retained Earnings	$1.4B+18.8%	$1.2B+25.0%	$942.0M+28.0%	$736.1M+81.1%	$406.4M+43.9%	$282.5M+4152.4%	$6.6M+101.8%	-$368.7M

FINV Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$396.4M+99.1%	$199.1M+410.8%	$39.0M-60.6%	$98.9M-70.8%	$338.2M+1192.5%	-$31.0M
Capital Expenditures	$3.8M-95.0%	$75.8M+890.4%	$7.7M-11.8%	$8.7M+413.8%	$1.7M-75.8%	$7.0M
Free Cash Flow	$392.6M+218.4%	$123.3M+293.6%	$31.3M-65.3%	$90.2M-73.2%	$336.5M+986.9%	-$37.9M
Investing Cash Flow	-$314.5M-258.0%	$199.1M+188.4%	-$225.2M-171.9%	$313.0M+96.1%	$159.6M+234.2%	-$119.0M
Financing Cash Flow	-$85.3M+76.3%	-$360.4M-212.4%	-$115.4M-206.6%	-$37.6M+92.1%	-$473.8M-288.5%	$251.3M
Dividends Paid	$60.5M-0.3%	$60.6M+12.2%	$54.0M+8.4%	$49.8M+23.4%	$40.4M-28.0%	$56.1M
Share Buybacks	$88.1M-9.9%	$97.8M+98.0%	$49.4M+1111.3%	$4.1M-93.0%	$58.2M+858.9%	$6.1M

Metric	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18	Q4'17
Operating Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

FINV Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.2%-0.4pp	18.7%-1.7pp	20.4%-6.1pp	26.5%+0.4pp	26.1%-13.7pp	39.8%
Return on Equity	15.7%-1.4pp	17.0%-1.3pp	18.3%-5.2pp	23.5%-0.0pp	23.6%-6.3pp	29.8%
Return on Assets	10.1%-0.9pp	11.0%+0.4pp	10.6%-3.2pp	13.8%+0.6pp	13.3%+0.3pp	13.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.53-0.0	0.54-0.2	0.72+0.0	0.70-0.1	0.77-0.5	1.30
FCF Margin	21.9%+14.9pp	7.0%+5.0pp	1.9%-4.1pp	6.1%-23.0pp	29.0%+33.5pp	-4.4%

Metric	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18	Q4'17
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.53-0.0	0.54-0.2	0.72+0.0	0.70-0.1	0.77-0.5	1.30+0.1	1.21-0.2	1.36
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Finvolution Group's annual revenue?

Finvolution Group (FINV) reported $1.8B in total revenue for fiscal year 2024. This represents a 1.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Finvolution Group's revenue growing?

Finvolution Group (FINV) revenue grew by 1.3% year-over-year, from $1.8B to $1.8B in fiscal year 2024.

Is Finvolution Group profitable?

Yes, Finvolution Group (FINV) reported a net income of $326.5M in fiscal year 2024, with a net profit margin of 18.2%.

What is Finvolution Group's net profit margin?

Finvolution Group (FINV) had a net profit margin of 18.2% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is Finvolution Group's return on equity (ROE)?

Finvolution Group (FINV) has a return on equity of 15.7% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Finvolution Group's free cash flow?

Finvolution Group (FINV) generated $392.6M in free cash flow during fiscal year 2024. This represents a 218.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Finvolution Group's operating cash flow?

Finvolution Group (FINV) generated $396.4M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Finvolution Group's total assets?

Finvolution Group (FINV) had $3.2B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Finvolution Group's capital expenditures?

Finvolution Group (FINV) invested $3.8M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How much does Finvolution Group spend on research and development?

Finvolution Group (FINV) invested $68.1M in research and development during fiscal year 2024.

Does Finvolution Group buy back shares?

Yes, Finvolution Group (FINV) spent $88.1M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

What is Finvolution Group's debt-to-equity ratio?

Finvolution Group (FINV) had a debt-to-equity ratio of 0.53 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Finvolution Group's return on assets (ROA)?

Finvolution Group (FINV) had a return on assets of 10.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Finvolution Group's Piotroski F-Score?

Finvolution Group (FINV) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Finvolution Group's earnings high quality?

Finvolution Group (FINV) has an earnings quality ratio of 1.21x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Finvolution Group?

Finvolution Group (FINV) scores 63 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.