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: $5.02 to $5.17
• 50-Day Range: $4.64 to $6.15
• 52-Week Range: $4.51 to $10.90
• Volume: 774,285 shs
• Average Volume: 1.21 million shs
• Market Capitalization: $1.29 billion
• P/E Ratio: 3.81
• Dividend Yield: N/A
• Price Target: $12.10
• Consensus Rating: Moderate Buy

PPDAI Group Stock Analysis - MarketRank™

PPDAI Group scored higher than 63% of companies evaluated by MarketBeat, and ranked 526th out of 879 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: Moderate Buy

Consensus Rating

PPDAI Group has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 1 buy rating, 1 hold rating, and no sell ratings.

Upside Potential

PPDAI Group has a consensus price target of $12.10, representing about 137.0% upside from its current price of $5.11.

Amount of Analyst Coverage

PPDAI Group has only been the subject of 1 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 3.81, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.56.

Price to Earnings Ratio vs. Sector

The P/E ratio of PPDAI Group is 3.81, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.33.

Price to Book Value per Share Ratio

PPDAI Group has a P/B Ratio of 0.54. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.08% 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 6.97.

Change versus previous month

Short interest in PPDAI Group has recently increased by 12.99%, indicating that investor sentiment is decreasing 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 15.67%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 0.86

News Sentiment

PPDAI Group has a news sentiment score of 0.86. 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 0.71 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for PPDAI Group this week, compared to 1 article on an average week.

Search Interest

Only 5 people have searched for FINV on MarketBeat in the last 30 days. This is a decrease of -71% 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.

FINV Stock Analysis - Frequently Asked Questions

How have FINV shares performed this year?

PPDAI Group's stock was trading at $5.24 at the beginning of 2026. Since then, FINV stock has decreased by 2.6% and is now trading at $5.1050.

How were PPDAI Group's earnings last quarter?

PPDAI Group Inc. Sponsored ADR (NYSE:FINV) issued its earnings results on Saturday, February, 14th. The company reported $0.05 EPS for the quarter. The firm had revenue of $432.21 million for the quarter. PPDAI Group had a trailing twelve-month return on equity of 16.39% and a net margin of 18.70%.

Is PPDAI Group buying back stock?

PPDAI Group's board initiated a stock buyback plan on Monday, March 17th 2025, which allows the company to buy back $150,000,000 in outstanding shares, according to EventVestor. This means that the company could repurchase up to 6.2% of its shares through open market purchases. Shares buyback plans are generally an indication that the company's board of directors believes its stock is undervalued.

When did PPDAI Group IPO?

PPDAI Group (FINV) raised $298 million in an initial public offering on Friday, November 10th 2017. The company issued 17,000,000 shares at $16.00-$19.00 per share.

Who are PPDAI Group's major shareholders?

Top institutional investors of PPDAI Group include DGS Capital Management LLC (0.11%).

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: 2/14/2026
• Record date for 5/7 Dividend: 4/16/2026
• Ex-Dividend for 5/7 Dividend: 4/16/2026
• Today: 5/05/2026
• Dividend Payable: 5/07/2026
• Next Earnings (Estimated): 5/20/2026
• Fiscal Year End: 12/31/2026

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: 2007

Price Target and Rating

• Average Price Target for PPDAI Group: $12.10
• High Price Target: $12.10
• Low Price Target: $12.10
• Potential Upside/Downside: +137.0%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.34
• Trailing P/E Ratio: 3.81
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $363.56 million
• Net Margins: 18.70%
• Pretax Margin: 22.86%
• Return on Equity: 16.39%
• Return on Assets: 10.55%

Debt

• Debt-to-Equity Ratio: 0.07
• Current Ratio: 3.26
• Quick Ratio: 3.26

Sales & Book Value

• Annual Sales: $13.61 billion
• Price / Sales: 0.10
• Cash Flow: $1.58 per share
• Price / Cash Flow: 3.23
• Book Value: $9.51 per share
• Price / Book: 0.54

Miscellaneous

• Outstanding Shares: 253,250,000
• Free Float: 141,820,000
• Market Cap: $1.29 billion
• Optionable: Optionable
• Beta: 0.32