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PPDAI Group Inc. Sponsored ADR

FINV Financial Credit Services

PPDAI Group Inc. Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $1.9 billion, up 8.40% from fiscal 2024.

Revenue
+0.42%
EPS
−31.7%
Free cash flow
−7,180.7%
Total debt
+47.0%

Quarter to June 2026, against a year earlier

2.97 0.07 +2.41%
Market cap
$376.9M
P/E
2.6×
Fwd P/E
3.4×
Dividend yield
10.6%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.08
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — 1 — — — — — —
Insider Ownership 44.94%

Capital & Financial Ratios $m

Size
Market Cap 376.86
Revenue ttm 1,928.17
Net income ttm 363.96
Free cash flow ttm 74.25
Net debt Q (960.70)
Valuation
P/E 2.59
Forward P/E 3.40
Price / sales 0.35
Forward P/S Powerpack
Price / FCF 0.00
Price / book 0.28
Financial health
Current ratio Q 2.84
Debt / equity Q 0.09
Interest coverage Q 29.63
Growth
Revenue growth Q +0.42% (above 0%: growing)
Operating income growth Q −27.70% (below 0%: shrinking)
EPS, this year −36.75% (below 0%: weak)
EPS, next year A +3.83%
Revenue, next year A −12.48% (below 0%: weak)
EPS, past 5 yrs +6.29%
EPS, next 5 yrs A −4.47% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 15.01%
10-year low 10-year high
P/S against its own 10 years 0.44%
10-year low 10-year high
P/B against its own 10 years 0.42%
10-year low 10-year high

Dividends raised 6 years running

Yield
10.6%
Annual rate
0.31
Payout ratio
28.9%
Growth, 2019–26
+7.05%/yr
  1. 0.19 ’19
  2. 0.12 ’20 −37
  3. 0.17 ’21 +42
  4. 0.21 ’22 +21
  5. 0.22 ’23 +5
  6. 0.24 ’24 +10
  7. 0.28 ’25 +17
  8. 0.31 ’26 +10
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,370 1,312 1,317 1,187
Receivables 558 554 478 636
Inventory — — — —
Other — — 5 —
1,929 2,436 2,726 2,796
2023 2024 2025 Q'26
Payables — — — —
ST’ Debt 1 1 24 57
Other 503 449 583 432
931 923 837 983

Compound Annual Growth %

10y 5y 3y
Sales — 10.85% 6.33%
Cash Flow — (4.61%) 89.93%
Earnings — 3.76% 3.43%
Book Value — 13.27% 10.11%

Earnings Trends EPS, adjusted, against the consensus

Mar 2020 Estimate 0.09 Actual 0.19

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Mar 2020 0.09 0.19 Beat by 0.10

EPS $

Mar Jun Sep Dec Year
’26 0.24 0.26 — — —
’25 0.39 0.39 0.33 0.23 1.37
’24 0.27 0.28 0.34 0.36 1.24
’23 0.35 0.27 0.28 0.27 1.18
’22 0.29 0.30 0.29 0.28 1.13
’21 0.31 0.33 0.33 (0.75) 0.21
’20 0.19 0.21 0.30 0.26 1.01
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 465 502 — — —
’25 480 499 490 471 1,940
’24 438 436 467 449 1,790
’23 444 424 438 461 1,767
’22 386 398 418 413 1,614
’21 322 369 392 (850) 233
’20 297 256 264 341 1,159
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 33 (151) — — —
’25 72 2 123 70 267
’24 27 133 231 6 396
’23 98 65 23 13 199
’22 (6) (48) 49 44 39
’21 45 (2) 21 35 99
’20 (82) 177 120 123 338
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 33 (151) — — —
’25 71 2 123 58 254
’24 27 133 231 2 393
’23 98 65 23 (63) 123
’22 (6) (48) 49 36 31
’21 45 (2) 21 26 90
’20 (82) 177 120 122 333
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 175 596 633 856 1,159 233 1,614 1,767 1,790 1,940 1,928 +30.6% 1,698 1,407 1,576 (6.7%)
Gross margin, % 68.07 74.89 77.35 79.74 82.47 80.55 81.69 83.17 81.77 78.63 76.61 +10.6 pt
EBT 79 209 381 410 371 67 397 391 390 444 345 +21.1%
EBT margin, % 45.22 34.98 60.23 47.91 32.05 28.89 24.57 22.14 21.78 22.86 17.91 (22.4) pt
Net income 72 166 359 341 302 392 331 336 327 364 364 +19.7%
Per share, $
Per share, $ Revenue 1.32 3.82 2.11 2.81 3.92 0.82 5.71 6.43 6.95 7.70 8.17 +21.7%
Earnings (0.07) (1.96) 1.20 1.12 1.02 0.22 1.16 1.20 1.27 1.44 1.12 n/m
Cash flow 0.58 1.84 0.91 (0.10) 1.14 0.35 0.14 0.72 1.54 1.06 0.31 +7.0%
Capex (0.03) (0.09) (0.04) (0.02) (0.02) (0.03) (0.03) (0.28) (0.01) (0.05) 0.00 +5.7%
Free cash flow 0.55 1.75 0.87 (0.12) 1.13 0.32 0.11 0.45 1.52 1.01 0.31 +7.0%
Book value (0.47) 3.63 2.90 3.77 4.37 5.91 6.39 7.11 8.27 9.56 10.46 n/m
Shares, m 133 156 300 305 295 284 283 275 258 252 245 +7.4%
Valuation, ×
Valuation, × P/E 0.00 0.00 6.79 2.37 2.72 22.21 4.31 3.98 5.26 3.71 2.59 5.1
P/S 0.00 0.00 1.63 0.94 0.68 6.01 0.88 0.75 0.98 0.68 0.35 1.3
P/B 0.00 0.00 1.39 0.70 0.61 0.83 0.79 0.68 0.82 0.55 0.28 0.6
EV/Sales 0.00 0.00 0.08 (0.03) (0.36) (0.40) 0.02 (0.01) 0.26 0.09 — 0.0
EV/FCF 0.00 0.00 0.13 0.82 (1.32) (1.24) 2.49 (0.21) 1.53 1.05 — 0.3
Cash, $m
Cash, $m Operating cash flow 77 287 274 (31) 338 99 39 199 396 267 74 +14.8%
Capex (4) (14) (13) (7) (5) (9) (8) (76) (4) (13) (93) +13.4%
Free cash flow 73 273 261 (38) 333 90 31 123 393 254 74 +14.9%
Balance, $m
Balance, $m Working capital 61 568 983 787 1,193 1,107 1,341 998 1,513 1,890 1,813 +46.5%
Net debt (211) (960) (1,013) (834) (1,232) (1,517) (1,411) (1,370) (1,312) (1,135) (961) +20.5%
Shareholders’ equity (63) 566 871 1,151 1,292 1,681 1,804 1,954 2,131 2,409 2,467 n/m
Returns, %
Returns, % ROA (1.07) (37.50) 22.21 15.01 12.31 2.41 11.05 10.81 10.48 10.59 7.59 +11.7 pt
ROIC 0.00 0.00 0.00 75.02 371.08 24.53 57.99 35.93 26.50 20.79 14.43 +20.8 pt
ROE (3.54) (121.69) 50.00 33.72 24.75 4.16 18.86 17.55 15.99 16.02 11.93 +19.6 pt
People
People Employees 4,208 5,414 4,146 3,883 3,064 4,259 4,144 3,648 3,623 3,869 — (0.9%)
Revenue/emp, $m 0.04 0.11 0.15 0.22 0.38 0.05 0.39 0.48 0.49 0.50 — +31.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

PPDAI Group Inc. Sponsored ADR vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
QFIN Qfin Holdings Inc. - Sponsored ADR $665.6M 1.3× 2.1× −27.81% (below 0%: shrinking) −72.53% (below 0%: shrinking) −55.53% (below 0%: shrinking) 81.04% 36.17% Compare
OPFI OppFi Inc. $534.3M 2.7× 3.3× −11.29% (below 0%: shrinking) −72.30% (below 0%: shrinking) −18.42% (below 0%: shrinking) 85.94% 0.00% Compare
OPRT Oportun Financial Corporation $533.5M 15.3× 10.1× +3.18% (above 0%: growing) +327.27% (above 0%: growing) +21.79% (above 0%: growing) 83.30% 0.00% Compare
FINV PPDAI Group Inc. Sponsored ADR $376.9M 2.6× 3.4× +0.42% (above 0%: growing) −31.71% (below 0%: shrinking) −7,180.65% (below 0%: shrinking) 78.46% 17.42%
RM Regional Management Corp. $336.6M 7.2× 7.2× +8.03% (above 0%: growing) +9.80% (above 0%: growing) −5.64% (below 0%: shrinking) 100.00% 24.60% Compare
PMTS CPI Card Group Inc. $286.3M 17.1× 14.7× +14.78% (above 0%: growing) +115.00% (above 0%: growing) +90.21% (above 0%: growing) 31.73% 9.89% Compare
MFIN Medallion Financial Corp. $223.7M 8.6× 8.8× +10.13% (above 0%: growing) −67.65% (below 0%: shrinking) +176.13% (above 0%: growing) 66.95% 0.00% Compare
CPSS Consumer Portfolio Services, Inc. $215.9M 9.1× 6.8× +21.66% (above 0%: growing) +45.45% (above 0%: growing) +11.04% (above 0%: growing) 100.00% 61.10% Compare
TROO TROOPS, Inc. $212.6M — (loss-making) — +10.79% (above 0%: growing) +101.54% (above 0%: growing) −94.20% (below 0%: shrinking) 23.83% 0.00% Compare
Median of peers $311.5M 8.6× 7.2× +9.08% +27.63% +2.70% 82.17% 4.95%

All 53 Credit Services stocks →

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stockrow.com/FINV · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com