PPDAI Group (FINV) Stock Price, News & Analysis

Company Overview

PPDAI Group Inc. operates an online consumer finance marketplace that connects individual and institutional investors with personal and small-business borrowers. Through its digital platform, the company facilitates unsecured consumer loans, auto refinancing loans and small-business financing by leveraging proprietary credit assessment tools and big data analytics. Investors gain exposure to a diversified portfolio of retail credit assets, while borrowers benefit from streamlined application processes and competitive financing rates.

At the core of PPDAI’s offering is a multi-layered risk management framework that combines automated credit scoring, manual underwriting oversight and third-party data verification. The platform supports borrowers across a range of use cases—including personal consumption, auto purchase and working capital needs—enabling users to apply via web or mobile channels. PPDAI also offers value-added services such as credit-line management, loan insurance and borrower education, helping to promote responsible lending practices and enhance overall portfolio performance.

Headquartered in Shanghai and founded in 2007, PPDAI Group has grown to become one of China’s earliest and most prominent online consumer finance marketplaces. The company maintains research and development centers dedicated to artificial intelligence and fintech innovation, and it has established strategic partnerships with banks, insurance firms and payment providers to broaden its service reach. In 2017, PPDAI Group completed its initial public offering on the New York Stock Exchange under the ticker FINV. Its leadership team comprises seasoned professionals drawn from the consumer finance, technology and risk management sectors, all working to navigate China’s evolving regulatory landscape and to pursue disciplined growth in digital lending.

Key Stats

• Today's Range: $7.55 to $7.81
• 50-Day Range: $7.48 to $10.63
• 52-Week Range: $5.29 to $11.08
• Volume: 1.26 million shs
• Average Volume: 1.40 million shs
• Market Capitalization: $1.94 billion
• P/E Ratio: 5.17
• Dividend Yield: N/A
• Price Target: $11.55
• Consensus Rating: Buy

PPDAI Group Stock Analysis - MarketRank™

PPDAI Group scored higher than 80% of companies evaluated by MarketBeat, and ranked 384th out of 958 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

PPDAI Group has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Upside Potential

PPDAI Group has a consensus price target of $11.55, representing about 52.4% upside from its current price of $7.58.

Amount of Analyst Coverage

PPDAI Group has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of PPDAI Group is 5.11, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.76.

Price to Earnings Ratio vs. Sector

The P/E ratio of PPDAI Group is 5.11, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 246.53.

Price to Book Value per Share Ratio

PPDAI Group has a P/B Ratio of 0.90. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.97% of the float of PPDAI Group has been sold short.

Short Interest Ratio / Days to Cover

PPDAI Group has a short interest ratio ("days to cover") of 3.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in PPDAI Group has recently decreased by 7.45%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

PPDAI Group does not currently pay a dividend.

Dividend Growth

PPDAI Group does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of PPDAI Group is 14.19%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

4.97% of the float of PPDAI Group has been sold short.

Short Interest Ratio / Days to Cover

PPDAI Group has a short interest ratio ("days to cover") of 3.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in PPDAI Group has recently decreased by 7.45%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.8 / 5
• News Sentiment: N/A

News Sentiment

PPDAI Group has a news sentiment score of 1.79. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.05 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for PPDAI Group this week, compared to 4 articles on an average week.

Search Interest

27 people have searched for FINV on MarketBeat in the last 30 days. This is an increase of 80% compared to the previous 30 days.

MarketBeat Follows

6 people have added PPDAI Group to their MarketBeat watchlist in the last 30 days. This is an increase of 200% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, PPDAI Group insiders have not sold or bought any company stock.

Percentage Held by Insiders

44.00% of the stock of PPDAI Group is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 31.15% of the stock of PPDAI Group is held by institutions.

FINV Stock Analysis - Frequently Asked Questions

How have FINV shares performed this year?

PPDAI Group's stock was trading at $6.79 at the beginning of 2025. Since then, FINV shares have increased by 11.6% and is now trading at $7.5770.

How were PPDAI Group's earnings last quarter?

PPDAI Group Inc. Sponsored ADR (NYSE:FINV) released its quarterly earnings results on Wednesday, August, 20th. The company reported $0.41 EPS for the quarter. The firm had revenue of $499.46 million for the quarter. PPDAI Group had a trailing twelve-month return on equity of 18.88% and a net margin of 20.28%.
Read the conference call transcript.

Is PPDAI Group buying back stock?

PPDAI Group's board authorized a share buyback plan on Monday, March 17th 2025, which allows the company to buy back $150,000,000 in shares, according to EventVestor. This means that the company could reacquire up to 6.2% of its stock through open market purchases. Stock buyback plans are generally a sign that the company's management believes its stock is undervalued.

Who are PPDAI Group's major shareholders?

Top institutional investors of PPDAI Group include Ativo Capital Management LLC (0.21%), Russell Investments Group Ltd. (0.20%), Group One Trading LLC and SG Americas Securities LLC (0.04%).

How do I buy shares of PPDAI Group?

Shares of FINV stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of PPDAI Group own?

Based on aggregate information from My MarketBeat watchlists, some other companies that PPDAI Group investors own include Zomedica (ZOM), Jumia Technologies (JMIA), Nano Dimension (NNDM), NIO (NIO), AST SpaceMobile (ASTS), Virgin Galactic (SPCE) and Tesla (TSLA).

Company Calendar

• Last Earnings: 8/20/2025
• Today: 9/16/2025
• Next Earnings (Estimated): 11/17/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NYSE:FINV
• CIK: 1691445
• Web: ir.finvgroup.com
• Phone: 862180303200
• Fax: N/A
• Employees: 3,623
• Year Founded: N/A

Price Target and Rating

• Average Price Target for PPDAI Group: $11.55
• High Price Target: $12.10
• Low Price Target: $11.00
• Potential Upside/Downside: +49.6%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.48
• Trailing P/E Ratio: 5.22
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $326.49 million
• Net Margins: 20.28%
• Pretax Margin: 24.22%
• Return on Equity: 18.88%
• Return on Assets: 12.21%

Debt

• Debt-to-Equity Ratio: 0.06
• Current Ratio: 2.89
• Quick Ratio: 2.89

Sales & Book Value

• Annual Sales: $13.81 billion
• Price / Sales: 0.14
• Cash Flow: $1.45 per share
• Price / Cash Flow: 5.32
• Book Value: $8.41 per share
• Price / Book: 0.92

Miscellaneous

• Outstanding Shares: 253,250,000
• Free Float: 141,820,000
• Market Cap: $1.96 billion
• Optionable: Optionable
• Beta: 0.41