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GDOT (56) QFIN (54) BTGO (40) LU (44) ⌘ Pro Terminal β†’

FinVolution Group (FINV) Options Positioning, Max Pain & Unusual Sweeps

$2.94 +3.89% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $2.95

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.

ROARABLE D β€’ SELL / AVOID Cap $668.1M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is FINV stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does FINV compare to GDOT and QFIN in the Financials sector?
β–Ό

Within the Financials sector (Finance: Consumer Services), FINV carries a Roarable D (47/100 RQD), trailing P/E of N/A, gross margin of β€”, 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).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FINV?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $2.95 (+0.51%)🧬 Cannibal Buyback (-1.52% YoY Shares)βš™οΈ Cash Engine: 10/20 (D) β€’ 13.1% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (47/100 Β· D) historically underperformed SPY in 71% of rolling 90-day windows (-5.9% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D
025507510047
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- Β· Rk D+
Cash (10)Whales (3)SEC (13)Macro (8)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE-5.1% Base Target
$7 Bull$3 Base$2 Bear
πŸ“¬ FREE FINV RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for FINV)Realized 20D OHLCV Swing Band: Β±8.9%
Deterministic 5-Pillar Attribution (47/100 Composite)
πŸ” WHY FINV SCORES 47/100 (D) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (28% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 5/9

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (28% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy β€’ Cannibal Buyback (-1.52% YoY Shares)

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
55
Grade C$3.07-5.5% Next Q
Q2 (-2Q)
52
Grade C-$2.90-0.7% Next Q
Q3 (-1Q)
50
Grade C-$2.88+2.1% Next Q
Current
47
Grade D$2.94-5.9% Hist 90D Ξ±
Trajectory: C (55) β†’ D (47)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a FINV Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

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.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($3.19) and Max Pain ($3.09) forces dealer call-delta covering toward $6.71.

πŸš€ Contrarian Squeeze Trigger #3

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.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FINVβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œFINV Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 47%NO 53%Trade / Inspect Odds β†’
CALL VS. PUT WHALE SHARE
β€” (No Active Options Snapshot)
Put/Call Ratio: β€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
β€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
Β±8.9%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (FINV)

β€” (No Active Options Snapshot) β€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for FINV.

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FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FINV)

  • βœ“Walkthrough of FINV's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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FINV // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -41.90%β–Ό DESCENDING CHANNEL
2026-11-03O $2.85H $2.94L $2.83C $2.94VOL 804.5K
RES: $3.86SUP: $2.54SMA50: $3.19SMA200: $4.56
$6.51$5.51$4.50$3.49$2.49RES $3.86SUP $2.54$2.942026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FINV Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ FINV Butterfly Map β†’ + Track FINV β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +8.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FINV today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for FINV. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FINV today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FINV)

Financials Rank #726 of 1097 βš”οΈ GDOT vs FINV Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (FINV vs. GDOT, QFIN, BTGO, LU)

Industry: Finance: Consumer Services (156 Tracked Issuers)

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 β€” 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 β€” β€” 15.4% +3.89% $668.1M Benchmark Subject
GDOT
Green Dot Corporation $0.001 par value (Class A)
D+ 56/100 β€” β€” 30.6% -0.08% $700.9M /gdot-vs-finv β†’
QFIN
Qfin Holdings Inc.
D+ 54/100 β€” β€” 27.2% +3.48% $629.5M /qfin-vs-finv β†’
BTGO
BitGo Holdings Inc. (Class A)
D- 40/100 β€” β€” β€” -3.39% $624.2M /btgo-vs-finv β†’
LU
Lufax Holding Ltd (each representing twenty (20) )
D 44/100 β€” β€” β€” +0.97% $715.9M /lu-vs-finv β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001691445 β†—

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 β€”
FY2024 (FY) 2024-12-31 $1.79B $326.5M $396.4M $392.6M $3.23B β€”
FY2023 (FY) 2023-12-31 $1.48B $329.7M $199.1M $199.1M β€” β€”

3. FINV Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FINV stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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.

How does FINV compare to GDOT and QFIN in the Financials sector?

Within the Financials sector (Finance: Consumer Services), FINV carries a Roarable D (47/100 RQD), trailing P/E of N/A, gross margin of β€”, 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).

What are the biggest fundamental strengths and SEC risk factors for FINV?

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.

Where is FINV trading relative to its 50-day, 200-day, and 52-week technical levels?

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 Β±8.9% ($2.68 to $3.20).

Direct Sub-Reports: FINV RQD Cockpit FINV 12M Forecast FINV Earnings & Move FINV Dividends & DRIP FINV Insiders & 13F FINV Whale Options FINV Profit Sankey FINV News & Why
ROARABLE RATING BRIEF β€’ RQD 47/100 (D) βœ“ SEC XBRL & RQD VERIFIED

FINV β€” FinVolution Group: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

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).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 15.4%, gross margin of β€”, operating margin of β€”, and free cash flow yield of β€”.
  • Whale 13F & Options Flow (3/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

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. β€” 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.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D β€’ RQD 47/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of β€” and institutional whale pillar of 3/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 3/20, sustained execution supports upside toward the upper end of the $2.80 – $6.39 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh current valuation against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream dependencies, sector correlations, or bottleneck links are provided (supply_chain: NONE; butterfly_links: empty). β€” for specific upstream suppliers or downstream customers.

  • Key Question #1: Can FINV sustain or expand its β€” operating margin and 15.4% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.94B and free cash flow of $255.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FINV's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FINV Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for FinVolution Group (FINV) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to FINV Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FINV Bull vs. Bear Conversation Board β€” What's Your Call at $2.94?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FINV 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FINV:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER β€’ Fundamental Long-Only πŸ‚ BULLISH 🎯 Target: $3.65 (+29.0%)
πŸ“Œ Pinned Debate

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.

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.

EarningsSniper πŸ‚ BULL

@BearTrap_Alert Shorting a 3/20 institutional whale-flow stock at $2.83 is dangerous when funds are rotating into Financials.

BE BearTrap_Alert RQD DEBATE OPENER β€’ Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $2.15 (-24.0%)
Spot @ $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.

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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