PPDAI Group Inc. Sponsored ADR FINV
- Market cap
- $406.7M
- P/E
- 2.8×
Follow FINV
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | 6.88 | 3.54 | 2.03 | 1.22 | 2.51 | 2.68 | 3.55 | 4.45 | 4.70 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
||
| — | 14.63 | 8.68 | 6.25 | 2.95 | 10.61 | 5.39 | 6.05 | 7.29 | 11.08 |
High Price
|
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| 4,208 | 5,414 | 4,146 | 3,883 | 3,064 | 4,259 | 4,144 | 3,648 | 3,623 | 3,869 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
Revenue/Emp
|
|||
| 175 | 596 | 633 | 856 | 1,159 | 233 | 1,614 | 1,767 | 1,790 | 1,940 |
Revenue
|
|||
| 68.07% | 74.89% | 77.35% | 79.74% | 82.47% | 80.55% | 81.69% | 83.17% | 81.77% | 78.63% |
Gross Margin
|
|||
| 79 | 209 | 381 | 410 | 371 | 67 | 397 | 391 | 390 | 444 |
EBT
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| 45.22% | 34.98% | 60.23% | 47.91% | 32.05% | 28.89% | 24.57% | 22.14% | 21.78% | 22.86% |
EBT Margin
|
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| 72 | 166 | 359 | 341 | 302 | 392 | 331 | 336 | 327 | 364 |
Net Income
|
|||
| 2 | 3 | 6 | 8 | 8 | 6 | 3 | 3 | 10 | 10 |
Depreciation
|
|||
| 26.33 | 3.82 | 2.11 | 2.81 | 3.92 | 0.82 | 5.71 | 6.43 | 6.95 | 7.70 |
Revenue/Sh
|
|||
| 10.86 | (1.96) | 1.20 | 1.12 | 1.02 | 0.22 | 1.16 | 1.20 | 1.27 | 1.44 |
Earnings/Sh
|
|||
| 11.57 | 1.84 | 0.91 | (0.10) | 1.14 | 0.35 | 0.14 | 0.72 | 1.54 | 1.06 |
Cash Flow/Sh
|
|||
| (0.65) | (0.09) | (0.04) | (0.02) | (0.02) | (0.03) | (0.03) | (0.28) | (0.01) | (0.05) |
Capex/Sh
|
|||
| 10.92 | 1.75 | 0.87 | (0.12) | 1.13 | 0.32 | 0.11 | 0.45 | 1.52 | 1.01 |
Free CF/Sh
|
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| (9.50) | 3.63 | 2.90 | 3.77 | 4.37 | 5.91 | 6.39 | 7.11 | 8.27 | 9.56 |
Book Value/Sh
|
|||
| 7 | 156 | 300 | 305 | 295 | 284 | 283 | 275 | 258 | 252 |
Shares
|
|||
| 0.00 | 0.00 | 6.79 | 2.37 | 2.72 | 22.21 | 4.31 | 3.98 | 5.26 | 3.71 |
PE Ratio
|
|||
| 0.00 | 0.00 | 1.63 | 0.94 | 0.68 | 6.01 | 0.88 | 0.75 | 0.98 | 0.68 |
PS Ratio
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| 0.00 | 0.00 | 1.39 | 0.70 | 0.61 | 0.83 | 0.79 | 0.68 | 0.82 | 0.55 |
PB Ratio
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| 0.00 | 0.00 | 0.08 | (0.03) | (0.36) | (0.40) | 0.02 | (0.01) | 0.26 | 0.09 |
EV/Sales
|
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| 0.00 | 0.00 | 0.13 | 0.82 | (1.32) | (1.24) | 2.49 | (0.21) | 1.53 | 1.05 |
EV/FCF
|
|||
| 77 | 287 | 274 | (31) | 338 | 99 | 39 | 199 | 396 | 267 |
Op' Cash Flow
|
|||
| (4) | (14) | (13) | (7) | (5) | (9) | (8) | (76) | (4) | (13) |
Capex
|
|||
| 73 | 273 | 261 | (38) | 333 | 90 | 31 | 123 | 393 | 254 |
FCF
|
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| 61 | 568 | 983 | 787 | 1,193 | 1,107 | 1,341 | 998 | 1,513 | 1,890 |
Working Cap'
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| — | — | 4 | 46 | 7 | 5 | 25 | 1 | 1 | 183 |
Total Debt
|
|||
| (211) | (960) | (1,013) | (834) | (1,232) | (1,517) | (1,411) | (1,370) | (1,312) | (1,135) |
Net Debt
|
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| (63) | 566 | 871 | 1,151 | 1,292 | 1,681 | 1,804 | 1,954 | 2,131 | 2,409 |
Sh' Equity
|
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| (1.07%) | (37.50%) | 22.21% | 15.01% | 12.31% | 2.41% | 11.05% | 10.81% | 10.48% | 10.59% |
ROA
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| 0.00% | 0.00% | 0.00% | 75.02% | 371.08% | 24.53% | 57.99% | 35.93% | 26.50% | 20.79% |
ROIC
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| (3.54%) | (121.69%) | 50.00% | 33.72% | 24.75% | 4.16% | 18.86% | 17.55% | 15.99% | 16.02% |
ROE
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PPDAI Group Inc. Sponsored ADR peers in Credit Services
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| OPRT Oportun Financial Corporation | $385.8M | 21.4× | Compare |
| FOA Finance of America Companies Inc. | $365.5M | 0.0× | Compare |
| OPFI OppFi Inc. | $531.7M | 1.9× | Compare |
| PMTS CPI Card Group Inc. | $289.8M | 20.6× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| RM Regional Management Corp. | $280.5M | 6.1× | Compare |
| MFIN Medallion Financial Corp. | $271.6M | 8.5× | Compare |
| GDOT Green Dot Corporation | $728.8M | 0.0× | Compare |
| HTT High Templar Tech Limited - Sponsored ADR | $226.5M | 4.0× | Compare |
PPDAI Group Inc. Sponsored ADR (FINV) key facts
- PPDAI Group Inc. Sponsored ADR (FINV) is a Credit Services company in the Financial sector, traded in the US as an ADR.
- PPDAI Group Inc. Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $1.9 billion, up 8.40% from fiscal 2024.
- As of September 25, 2026, FINV traded at $3.11, a market capitalization of $406.7 million.
- PPDAI Group Inc. Sponsored ADR pays an annual dividend of $0.21 per share, a yield of 4.62%, with a payout ratio of 17.8%.
- Return on equity was 16.0% and debt-to-equity 0.09.
PPDAI Group Inc. Sponsored ADR (FINV) Latest News
31 Aug
FinVolution held Q2 2026 earnings call covering quarterly results, operational metrics and management outlook for the company. Earnings call delivers core quarterly financial data and guidance that typically drives immediate trading and valuation shifts for FINV.
28 Aug
PPDAI Group Q2 earnings call highlights financial results, operational updates and company outlook. Q2 earnings updates typically affect near-term financial views and sentiment without guaranteeing major strategic shifts.
FinVolution Group Q2 2026 earnings call showed overseas growth offsetting China market pressures, supporting overall performance and international expansion efforts. Overseas growth provides moderate positive offset to China challenges without fundamentally altering long-term trajectory.
27 Aug
FinVolution Group reported second quarter 2026 unaudited financial results. Quarterly earnings release can moderately affect near-term stock price and sentiment.
17 Jun
FinVolution Group (FINV) reported strong overseas growth during its Q1 2026 earnings call. Strong overseas growth in Q1 2026 earnings signals significant positive shift in FINV trajectory.
25 May
FinVolution Group reported unaudited financial results for the first quarter of 2026. Quarterly earnings releases typically drive immediate stock price movements and alter investor sentiment for FinVolution Group.
PPDAI Group released Q1 earnings call highlights covering financial results and operational updates. Q1 earnings results may influence short-term investor sentiment and stock performance.
FinVolution Group launches share repurchase program authorizing buyback of up to US$150 million in shares. US$150 million repurchase program provides moderate positive support to share price and investor sentiment.
13 May
FinVolution launches 11th Global AI Competition focused on teaching voice AI when to speak. Ongoing AI competition launch highlights innovation in voice technology, moderately enhancing competitive positioning and market sentiment.
8 May
FinVolution Group (FINV) valuation analyzed after FY25 results, assigned cautious buy rating amid ongoing performance review. FY25 results and cautious buy rating moderately influence financial perception and investor sentiment.
17 Mar
Investors react positively to FinVolution Group (FINV)'s strong 2025 results and increased capital returns, signaling robust performance and enhanced shareholder value. Strong 2025 results combined with bigger capital returns signal major positive shifts in financial health and investor confidence.
FinVolution Group (FINV) Q4 2025 earnings call highlights resilient profit growth amid challenges. Resilient Q4 2025 profit growth signals strong financial performance and positive investor sentiment.
16 Mar
FinVolution Group (FINV), formerly PPDAI Group, announces strategic entry into the Australian market to expand its fintech lending operations internationally. Strategic market entry into Australia diversifies operations beyond China and enhances long-term growth prospects.
PPDAI Group Inc. Sponsored ADR (FINV) released Q4 earnings call highlights, covering financial results, operational updates, and future outlook. Q4 earnings call highlights disclose financial performance, guidance, and strategic plans directly affecting FINV's trajectory and investor sentiment.
FinVolution reported Q4 earnings snapshot, detailing financial performance for the quarter. Q4 earnings snapshots reveal financial results that significantly influence FINV's stock price and investor outlook.
FinVolution Group reported unaudited financial results for the fourth quarter and fiscal year 2025. Q4 and full-year financial results directly influence stock valuation, investor sentiment, and future performance expectations.
FinVolution Group announces dividend increase to US$0.306 per American Depositary Share, up 10.5% year-over-year. Dividend hike of 10.5% signals financial confidence and enhances shareholder value with moderate positive effect on market sentiment.
14 Jan
FinVolution Group (NYSE:FINV) has delivered a 13% compound annual growth rate (CAGR) to its shareholders over the past five years, reflecting strong performance in the financial technology sector. The company's growth is attributed to its innovative lending platform and strategic market positioning, which have allowed it to capture a significant share of the market. Investors are encouraged by the consistent returns and the potential for future growth as the company continues to expand its services. The reported CAGR indicates a moderately positive influence on investor sentiment and financial performance, but broader market factors may balance the overall impact.
18 Dec
FinVolution recently hosted a closed-door forum featuring leading academics to discuss emerging paradigms in artificial intelligence. The event aimed to explore innovative AI applications and their implications for various sectors, including finance. By engaging with top scholars, FinVolution seeks to enhance its understanding and integration of AI technologies into its operations, potentially positioning itself at the forefront of AI advancements in the financial industry. Engagement with academics on AI could moderately influence product innovation and competitive positioning.
8 Dec
FinVolution Group (FINV) is positioned for growth due to its strong market presence in the fintech sector, particularly in consumer lending. The company has shown resilience in adapting to regulatory changes and leveraging technology to enhance its services. Analysts highlight its potential for profitability driven by increasing demand for digital financial solutions in emerging markets. The strategic focus on expanding its product offerings and improving customer experience is expected to bolster its competitive edge. Overall, the outlook for FINV remains positive as it navigates market challenges and capitalizes on growth opportunities. Significant strategic moves and market dynamics are likely to alter the company's trajectory and investor sentiment.
4 Dec
PPDAI Group Inc. Sponsored ADR (FINV) is highlighted as one of three promising penny stocks with market capitalizations below $200 million. The article emphasizes the potential for growth in these stocks, suggesting that they may offer significant returns for investors willing to take on higher risks associated with lower market cap companies. The mention of PPDAI Group as a promising penny stock indicates a moderately noticeable influence on its market performance.
3 Dec
FinVolution Philippines has secured a multi-million peso credit facility aimed at expanding its financial services. This funding will support the company's growth initiatives and enhance its service offerings in the region, reflecting a strategic move to strengthen its market position. The credit facility is a significant strategic move that could enhance FinVolution's competitive positioning and financial performance.
PPDAI Group Inc. Sponsored ADR (FINV) is highlighted as a promising penny stock for December 2025, suggesting potential growth opportunities in the market. The article emphasizes the company's strategic positioning and market trends that could favor its performance, making it a candidate for investors looking for undervalued stocks with upside potential. The company's positioning in the market suggests a moderately noticeable influence on its future performance.
1 Dec
PPDAI Group Inc. Sponsored ADR (FINV) is highlighted as a penny stock to consider in December 2025, reflecting potential investment interest due to its market positioning and growth prospects. The article outlines factors contributing to its appeal, including recent performance trends and market conditions that may favor such stocks. Moderate influence is expected due to the stock's positioning in a niche market and potential for growth.
PPDAI Group Inc. Sponsored ADR (FINV) is highlighted as a penny stock to watch in December 2025 due to its potential for growth amid market fluctuations. Investors are advised to monitor its performance closely as it may present opportunities for significant returns. The article emphasizes the importance of staying informed about market trends and company developments that could impact FINV's trajectory. Moderate influence is expected due to potential growth opportunities in the penny stock market.
24 Nov
PPDAI Group Inc. Sponsored ADR (FINV) is highlighted as one of three promising penny stocks with a market cap under $800 million. The article discusses the company's potential for growth and investment opportunities, emphasizing its position in the financial technology sector. Investors are encouraged to consider the stock due to its favorable market conditions and strategic initiatives aimed at enhancing performance. The company's growth potential and strategic initiatives may moderately influence its financial performance and market positioning.
PPDAI Group Inc. Sponsored ADR (FINV) is highlighted as one of the top penny stocks to watch in November 2025, indicating potential interest from investors. The article outlines the company's recent performance and market positioning, suggesting it may attract attention due to favorable trends in the penny stock sector. The mention of PPDAI Group as a top penny stock suggests a moderately noticeable influence on market sentiment and potential investor interest.
21 Nov
PPDAI Group Inc. Sponsored ADR (FINV) is highlighted as one of three intriguing penny stocks with market capitalizations of at least $50 million. The article discusses the potential for growth in the context of the current market environment, emphasizing the company's position and prospects within the financial technology sector. The company's positioning in the financial technology sector may moderately influence its financial performance and market sentiment.
20 Nov
FinVolution Group (FINV) is focusing on international growth to enhance its long-term diversification strategy. The company aims to expand its presence in overseas markets, which could potentially mitigate risks associated with its domestic operations. This strategic move is seen as a way to attract a broader customer base and improve financial performance. Analysts are closely monitoring how these international initiatives will impact the company's overall trajectory and market positioning. International expansion initiatives are likely to significantly impact future performance and investor sentiment.
FinVolution Group (FINV) reported strong international growth in its Q3 2025 earnings call, highlighting significant expansion in overseas markets. The company emphasized its strategic initiatives aimed at enhancing customer acquisition and retention, which contributed to improved financial performance. Key metrics showed an increase in revenue and user engagement, reflecting the effectiveness of its international strategy. Management expressed optimism about future growth prospects, driven by ongoing investments in technology and market expansion efforts. Strong international growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.