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: $3.23 to $3.42
• 50-Day Range: $3.32 to $4.97
• 52-Week Range: $3.22 to $8.05
• Volume: 1.40 million shs
• Average Volume: 1.02 million shs
• Market Capitalization: $800.42 million
• P/E Ratio: 3.10
• Dividend Yield: N/A
• Price Target: $4.10
• Consensus Rating: Reduce

PPDAI Group Stock Analysis - MarketRank™

PPDAI Group scored higher than 63% of companies evaluated by MarketBeat, and ranked 536th out of 854 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: 3.2 / 5
• Analyst Rating: Reduce

Consensus Rating

PPDAI Group has received a consensus rating of Reduce. The company's average rating score is 1.50, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and 1 sell rating.

Upside Potential

PPDAI Group has a consensus price target of $4.10, representing about 25.2% upside from its current price of $3.28.

Amount of Analyst Coverage

PPDAI Group has only been the subject of 2 research reports 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 3.09, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.18.

Price to Earnings Ratio vs. Sector

The P/E ratio of PPDAI Group is 3.09, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 26.08.

Price to Book Value per Share Ratio

PPDAI Group has a P/B Ratio of 0.32. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.64% 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 7.38.

Change versus previous month

Short interest in PPDAI Group has recently decreased by 22.50%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

PPDAI Group does not currently pay a dividend.

Dividend Growth

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

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.10

News Sentiment

PPDAI Group has a news sentiment score of 0.10. 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 lower news sentiment than the 0.94 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 14 news articles for PPDAI Group this week, compared to 1 article on an average week.

Search Interest

Only 8 people have searched for FINV on MarketBeat in the last 30 days. This is a decrease of -20% compared to the previous 30 days.

Company Ownership

• Score: 1.1 / 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

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

Company Calendar

• Last Earnings: 8/14/2026
• Today: 9/03/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:FINV
• CIK: 1691445
• Web: ir.finvgroup.com
• Phone: 862180303200
• Fax: N/A
• Employees: 3,869
• Year Founded: 2007

Price Target and Rating

• Average Price Target for PPDAI Group: $4.10
• High Price Target: $4.10
• Low Price Target: $4.10
• Potential Upside/Downside: +24.8%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.06
• Trailing P/E Ratio: 3.10
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $363.56 million
• Net Margins: 14.49%
• Pretax Margin: 18.28%
• Return on Equity: 12.31%
• Return on Assets: 7.95%

Debt

• Debt-to-Equity Ratio: 0.07
• Current Ratio: 2.84
• Quick Ratio: 3.36

Sales & Book Value

• Annual Sales: $1.94 billion
• Price / Sales: 0.41
• Cash Flow: $1.60 per share
• Price / Cash Flow: 2.05
• Book Value: $10.14 per share
• Price / Book: 0.32

Miscellaneous

• Outstanding Shares: 243,290,000
• Free Float: 136,242,000
• Market Cap: $799.21 million
• Optionable: Optionable
• Beta: 0.34