FinVolution Group (ADR) (FINV)
Facilitates consumer loans by linking younger borrowers with financial institutions.
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Facilitates consumer loans by connecting younger borrowers with financial institutions through an automated process. Credit-risk assessment, fraud detection, big-data analysis and AI support the platform across China and international markets.
Connecting younger-generation borrowers with financial institutions, the platform facilitates consumer loans through an automated transaction process. Credit-risk assessment, fraud detection, big-data analysis and AI support underwriting and matching.
Operations began in China and now extend to international markets, with profitable operations reported in Indonesia and the Philippines. The company shifted from an online marketplace funded mainly by individuals to a model funded through institutional partners. It remains a credit facilitator rather than a bank balance-sheet lender. Its business operates within the regulatory framework for China's online-lending intermediaries and depends on relationships with those funding institutions.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 28, 2026 | Citigroup | Downgrade | ||
| Aug 28, 2026 | Jefferies | Reiterate | Rating: —Target: $6.20 | Target: $4.70 |
| May 23, 2025 | UBS | Upgrade | ||
| Mar 20, 2025 | UBS | Downgrade | ||
| Mar 18, 2025 | Citigroup | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $1.20B · Total debt $235.1M · Total assets $3.89B · Shareholders' equity $2.48B
- Revenue
- $506.6M
- Operating income
- $85.3M
- Net income
- $65.7M
Reported in CNY, converted at the latest exchange rate
HistoryDividendAnnual yield
| Institutions | 22.23% | 55.21M ADS | |
|---|---|---|---|
| 131 holders · as of Jun 30, 2026 | |||
| Insiders | 50.90% | 126.43M ADS | |
| 10 holders · as of Jun 3, 2026 | |||
| Strategic holders | 17.95% | 44.59M ADS | |
| 3 holders · as of May 8, 2025 | |||
| Other | 8.92% | 22.16M ADS | |
| remainder | |||
248.40M ADS (1 ADS = 5 ordinary shares) as of Aug 31, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
The share count is from the company's Dec 2022 annual report; nothing newer is on file here.
This company has 3 share classes; every stake here is a share of the whole company.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Shaofeng GuInsiderdirector, officer: Chief Innovation Officer | 34.60% | 394.82M B ordinary · 34.95M A ordinary | filed Mar 17, 2026 |
Lightspeed China Partners I GP, LLCStrategic | 8.17% | 20.28M | filed Feb 12, 2020 |
Jun ZhangInsiderdirector | 6.91% | 65.21M B ordinary · 20.67M A ordinary | filed Mar 17, 2026 |
Susquehanna Fundamental Investments, LLCStrategic | 6.66% | 16.53M | filed Feb 13, 2025 |
Susquehanna International Group, LLPInstitution | 6.64% | 16.49M A ADS | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 28, 2026 | Bing Xiang | director | −75,000 | $1.07 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| FinVolution Group (ADR) | $3.24 | −0.46% | $807.3M | 3.0 | — | 0.4 | +0.4% |
| Qfin (ADR) | $7.90 | −0.38% | $1.03B | 1.1 | 4.6 | 0.4 | −13.0% |
| LexinFintech (ADR) | $0.7683 | −0.08% | $129.7M | 0.9 | — | 0.1 | −6.3% |
| Yiren Digital (ADR) | $0.9917 | +1.19% | $85.2M | — | 1.3 | 0.1 | +559.9% |
| Median | 1.0 | 3.0 | 0.1 | −6.3% |