PPDAI Group (FINV) Stock Price, News & Analysis

Company Overview

FINV, formerly known as PPDAI Group (NYSE:FINV), is a leading fintech company providing an online consumer finance marketplace in China. The company operates a digital lending platform that connects individual borrowers with institutional and retail investors, enabling unsecured personal loans, auto refinancing, and other consumer credit products. Through its proprietary risk management framework, FINV facilitates efficient capital allocation and transparent loan origination while maintaining credit quality and investor confidence.

Founded in 2007 and headquartered in Shanghai, FINV has expanded its operations across major Chinese cities, including Beijing, Shenzhen, and Chengdu. Over the years, the company has navigated evolving regulatory environments in China’s peer-to-peer lending sector, rebranding to FINV in 2021 to underscore its broader financial innovation strategy. Today, it serves millions of registered users nationwide and maintains strategic partnerships with financial institutions, automotive dealerships, and e-commerce platforms to broaden the reach of its lending services.

FINV’s product suite encompasses unsecured personal loans, auto refinancing solutions, small business financing, and value-added services such as credit reporting, risk analytics, and portfolio management tools. Leveraging big data analytics, machine learning algorithms, and a multi-tiered fraud detection system, the company continuously refines its credit scoring models to enhance loan approval efficiency and minimize delinquency rates. This technological edge enables real-time decision making and a streamlined borrower experience through web and mobile interfaces.

The company’s leadership team comprises seasoned professionals with deep expertise in financial services, technology development, and regulatory compliance. Under the guidance of its executive management, FINV continues to invest in research and development to expand its product offerings and reinforce its position in China’s rapidly evolving consumer finance market. As the fintech landscape becomes increasingly competitive, FINV focuses on innovation, risk control, and strategic partnerships to drive sustainable growth.

Key Stats

• Today's Range: $10.53 to $10.90
• 50-Day Range: $8.31 to $10.61
• 52-Week Range: $4.93 to $11.08
• Volume: 2.69 million shs
• Average Volume: 946,061 shs
• Market Capitalization: $2.69 billion
• P/E Ratio: 7.74
• Dividend Yield: N/A
• Price Target: $11.55
• Consensus Rating: Buy

PPDAI Group Stock Analysis - MarketRank™

PPDAI Group scored higher than 24% of companies evaluated by MarketBeat, and ranked 836th out of 935 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: 1.5 / 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.

Amount of Analyst Coverage

PPDAI Group has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of PPDAI Group is 7.74, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.26.

Price to Earnings Ratio vs. Sector

The P/E ratio of PPDAI Group is 7.74, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.29.

Price to Book Value per Share Ratio

PPDAI Group has a P/B Ratio of 1.26. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

5.48% 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 5.6.

Change versus previous month

Short interest in PPDAI Group has recently increased by 213.47%, indicating that investor sentiment is decreasing 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.

Sustainability and ESG

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

Percentage of Shares Shorted

5.48% 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 5.6.

Change versus previous month

Short interest in PPDAI Group has recently increased by 213.47%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.6 / 5
• News Sentiment: 1.44

News Sentiment

PPDAI Group has a news sentiment score of 1.44. 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 0.94 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for PPDAI Group this week, compared to 3 articles on an average week.

Search Interest

12 people have searched for FINV on MarketBeat in the last 30 days. This is an increase of 200% compared to the previous 30 days.

MarketBeat Follows

5 people have added PPDAI Group to their MarketBeat watchlist in the last 30 days. This is an increase of 400% 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 start of the year. Since then, FINV shares have increased by 56.2% and is now trading at $10.6050.

How were PPDAI Group's earnings last quarter?

PPDAI Group Inc. Sponsored ADR (NYSE:FINV) announced its quarterly earnings data on Tuesday, May, 20th. The company reported $0.41 earnings per share for the quarter. The business earned $479.70 million during the quarter. PPDAI Group had a trailing twelve-month return on equity of 18.15% and a net margin of 19.44%.
Read the conference call transcript.

Is PPDAI Group buying back stock?

PPDAI Group's Board of Directors authorized 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 purchase up to 6.2% of its stock through open market purchases. Stock repurchase plans are generally an indication that the company's management believes its stock is undervalued.

Who are PPDAI Group's major shareholders?

PPDAI Group's top institutional investors include Farther Finance Advisors LLC.

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

• Record date for 5/7 Dividend: 4/16/2025
• Ex-Dividend for 5/7 Dividend: 4/16/2025
• Dividend Payable: 5/07/2025
• Last Earnings: 5/20/2025
• Today: 7/14/2025
• Next Earnings (Estimated): 8/19/2025
• 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: +8.9%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.37
• Trailing P/E Ratio: 7.74
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $326.49 million
• Net Margins: 19.44%
• Pretax Margin: 22.70%
• Return on Equity: 18.15%
• Return on Assets: 11.86%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 2.27
• Quick Ratio: 2.27

Sales & Book Value

• Annual Sales: $1.79 billion
• Price / Sales: 1.50
• Cash Flow: $1.40 per share
• Price / Cash Flow: 7.55
• Book Value: $8.41 per share
• Price / Book: 1.26

Miscellaneous

• Outstanding Shares: 253,250,000
• Free Float: 141,820,000
• Market Cap: $2.69 billion
• Optionable: Optionable
• Beta: 0.39