FinVolution Group (FINV) carries a Roarable Rating of D (Sell) with 47/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-03, FinVolution Group (NYSE: FINV) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 47/100 at a spot price of $2.94 (+3.89% 1D, market cap $668.1M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, FINV ranks #726 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), FINV carries a Roarable D (47/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 15.4%. By comparison, GDOT (Green Dot Corporation $0.001 par value (Class A)) holds a D+ grade (56/100 RQD, P/E N/A, ROIC 30.6%, cap $700.9M) and QFIN (Qfin Holdings Inc.) posts a D+ grade (54/100 RQD, P/E N/A, ROIC 27.2%, cap $629.5M). Among the 5-stock peer group, FINV leads on earnings multiple (N/A) while GDOT leads on capital efficiency (30.6% ROIC).
Per FINV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001691445), FinVolution Group generated $1.94B in revenue (+8.4% YoY), $363.6M in net income, and $255.0M in free cash flow against $3.63B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)
While FINV currently carries a cautious 47/100 (D) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($3.19) and Max Pain ($3.09) forces dealer call-delta covering toward $6.71.
Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
FinVolution Group (FINV) surged +3.89% to $2.94, trading at 4% of its 52-week range ($2.8 – $6.39). Stretched risk/reward at current multiples (15% return on capital) under elevated 10-year interest-rate pressure.
Yahoo Finance report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
TradingView report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
Bamboo Works report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
https://www.dars.gov.et/ report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
The online loan facilitator faces a potential delisting after its American depositary shares traded below $1 for 30 consecutive business days image credit: Bamboo Works Key Takeaways: Lexin’s American
Top ten ReFa/Ro Dogs for September 2026 offer projected net gains of 40.66% to 122.87% by September 2027, per broker estimates. Check out the list here.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +8.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FINV today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FINV. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, FinVolution Group (FINV) ranks #726 by composite RQD confidence (47/100, grade D) and #635 by equity capitalization ($668.1M). Within this direct 5-issuer industry benchmark cohort, FINV leads on earnings valuation at N/A trailing P/E, while GDOT leads on capital efficiency and profitability with 30.6% ROIC and — gross margin. GDOT currently holds the highest overall quantitative score in the immediate peer group at 56/100 (D+) compared with FINV at 47/100 (D).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FINV
ACTIVE
FinVolution Group | D | 47/100 | — | — | 15.4% | +3.89% | $668.1M | Benchmark Subject |
| GDOT Green Dot Corporation $0.001 par value (Class A) | D+ | 56/100 | — | — | 30.6% | -0.08% | $700.9M | /gdot-vs-finv → |
| QFIN Qfin Holdings Inc. | D+ | 54/100 | — | — | 27.2% | +3.48% | $629.5M | /qfin-vs-finv → |
| BTGO BitGo Holdings Inc. (Class A) | D- | 40/100 | — | — | — | -3.39% | $624.2M | /btgo-vs-finv → |
| LU Lufax Holding Ltd (each representing twenty (20) ) | D | 44/100 | — | — | — | +0.97% | $715.9M | /lu-vs-finv → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), FinVolution Group (FINV) reported GAAP revenue of $1.94B (+8.4% vs. FY2024 revenue of $1.79B , and +30.8% cumulative change since FY2023) , GAAP net income of $363.6M, operating cash flow of $267.1M, and free cash flow of $255.0M (-35.0% YoY). On the balance sheet, FINV closed FY2025 with $3.63B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $1.94B | $363.6M | $267.1M | $255.0M | $3.63B | — |
| FY2024 (FY) | 2024-12-31 | $1.79B | $326.5M | $396.4M | $392.6M | $3.23B | — |
| FY2023 (FY) | 2023-12-31 | $1.48B | $329.7M | $199.1M | $199.1M | — | — |
As of 2026-11-03, FinVolution Group (NYSE: FINV) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 47/100 at a spot price of $2.94 (+3.89% 1D, market cap $668.1M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, FINV ranks #726 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), FINV carries a Roarable D (47/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 15.4%. By comparison, GDOT (Green Dot Corporation $0.001 par value (Class A)) holds a D+ grade (56/100 RQD, P/E N/A, ROIC 30.6%, cap $700.9M) and QFIN (Qfin Holdings Inc.) posts a D+ grade (54/100 RQD, P/E N/A, ROIC 27.2%, cap $629.5M). Among the 5-stock peer group, FINV leads on earnings multiple (N/A) while GDOT leads on capital efficiency (30.6% ROIC).
Per FINV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001691445), FinVolution Group generated $1.94B in revenue (+8.4% YoY), $363.6M in net income, and $255.0M in free cash flow against $3.63B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
FINV last traded at $2.94 (+3.89% on volume of 767,093 shares), positioning the stock -7.84% below its 50-day simple moving average ($3.19) and -35.53% below its 200-day simple moving average ($4.56). Across its 52-week range of $2.80 to $6.39, FINV sits at the 3.9% percentile with a 14-day RSI of 37.5 (NEUTRAL RANGE) and an implied next-earnings move of ±8.9% ($2.68 to $3.20).
FinVolution Group (FINV) earns a live Roarable RQD composite score of 47/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $2.94 (+3.89% 1D, market capitalization $668.1M).
FinVolution Group (FINV) is a NYSE-listed issuer classified in the Financials sector and the Finance: Consumer Services industry. The source data provides no description of its products, customer base, or revenue model beyond this classification. — for how the company makes money or to whom it sells. Market capitalization is listed as $0.7B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), FinVolution Group (FINV) reported $1.94B in annual revenue (up from $1.79B in FY2024, +8.4% YoY) and $363.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.48B revenue, $329.7M net income) through FY2025, FINV scaled operating cash flow to $267.1M and free cash flow to $255.0M, backed by $3.63B in total assets against $0 in total debt.
No upstream or downstream dependencies, sector correlations, or bottleneck links are provided (supply_chain: NONE; butterfly_links: empty). — for specific upstream suppliers or downstream customers.
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Yahoo Finance report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
TradingView report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
Bamboo Works report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
https://www.dars.gov.et/ report covering FinVolution Group (FINV) market action, institutional positioning, and fundamental catalysts.
The street is overcomplicating FinVolution Group (FINV). Net income grew to $363.6M in FY 2025 and the balance sheet shows a Piotroski F-Score of 5/9 with Debt/Equity of 0.5.. With an RQD score of 47/100 (D) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $3.06.
@BearTrap_Alert Shorting a 3/20 institutional whale-flow stock at $2.83 is dangerous when funds are rotating into Financials.
Sitting on the sidelines or leaning short FINV above $2.83. Reported FCF fell from $392.6M to $255.0M and the FCF yield is 0% while institutional flow scores only 3 of 20.. Until Fundamental Cash Engine (10/20) and FCF yield (0.0%) inflect higher, upside is capped near $6.39.
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