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Stock Ratings / Financials / FINV
GDOT (56) QFIN (54) BTGO (40) LU (44) ⌘ Pro Terminal →

FinVolution Group (FINV) — RQD Stock Rating Cockpit

$2.83 -0.70% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $2.82

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.

📊 Historical Track Record Warning: Scores below 50 (47/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →
ROARABLE D • SELL / AVOID Cap $668.1M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FINV Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) 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 $2.83 (-0.70% 1D, market cap $668.1M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 3/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, FINV ranks #725 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FINV compare to GDOT and QFIN in the Financials sector?
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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).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FINV?
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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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — 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:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $2.82 (-0.32%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 13.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (47/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.9% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510047
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

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

5-PILLAR SNOWFLAKE RADARRw D- · Rk D+
Cash (10)Whales (3)SEC (13)Macro (8)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE-4.9% Base Target
$7 Bull$3 Base$2 Bear
📬 FREE FINV RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FINV)Realized 20D OHLCV Swing Band: ±8.9%
Deterministic 5-Pillar Attribution (47/100 Composite)
🔍 WHY FINV SCORES 47/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (28% of score)

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

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

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

▼ #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)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → 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-$2.88-1.7% Next Q
Current
47
Grade D$2.83-5.9% Hist 90D α
Trajectory: C (55) → D (47)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FINV Turnaround Squeeze

Gideon Ashmere Forensic Desk →

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.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($3.19) and Max Pain ($2.97) forces dealer call-delta covering toward $6.71.

🚀 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 $FINV• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FINV Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 47%NO 53%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
37.530 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE2% OF RANGE
L: $3$2.83H: $6
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 16 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D+RQD 21 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on FINV

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (50)

15.4% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (40)

16/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like FINV
  • ✓Established market leader in Financials with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

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

  • ✓Walkthrough of FINV's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
FINV // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -44.07%▼ DESCENDING CHANNEL
2026-11-03O $2.85H $2.85L $2.83C $2.83VOL 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$2.832026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 FINV Butterfly Map → + Track FINV →
Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)
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 (#33)

No active Ellis Vennor swing setup published on FINV today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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 →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FINV)

Financials Rank #725 of 1096 ⚔️ GDOT vs FINV Full Matrix →

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

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, FinVolution Group (FINV) ranks #725 by composite RQD confidence (47/100, grade D) and #634 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% -0.70% $668.1M Benchmark Subject
GDOT
Green Dot Corporation $0.001 par value (Class A)
D+ 56/100 — — 30.6% -0.73% $700.9M /gdot-vs-finv →
QFIN
Qfin Holdings Inc.
D+ 54/100 — — 27.2% -1.90% $629.5M /qfin-vs-finv →
BTGO
BitGo Holdings Inc. (Class A)
D- 40/100 — — — -8.29% $624.2M /btgo-vs-finv →
LU
Lufax Holding Ltd (each representing twenty (20) )
D 44/100 — — — +4.16% $715.9M /lu-vs-finv →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001691445

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 — —

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

✓ 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 $2.83 (-0.70% 1D, market cap $668.1M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 3/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, FINV ranks #725 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 —, 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 $2.83 (-0.70% on volume of 804,497 shares), positioning the stock -11.29% below its 50-day simple moving average ($3.19) and -37.94% below its 200-day simple moving average ($4.56). Across its 52-week range of $2.80 to $6.39, FINV sits at the 0.8% percentile with a 14-day RSI of 37.5 (NEUTRAL RANGE) and an implied next-earnings move of ±8.9% ($2.58 to $3.08).

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 • RQD 47/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

FINV — FinVolution Group: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:33:56Z

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

FINV scores 47 out of 100, a D grade labeled "Roarable Sell — Underperform / Distribution Warning." The five pillars are: Fundamental Cash Engine at 10/20 (ROIC 15.4%; FCF yield 0%), Whale 13F Flow at 3/20 (institutional accumulation and options positioning), Insider Conviction at 13/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 8/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13/20 (Altman Z 2.5; Piotroski F 5/9; Debt/Equity 0.5). The weakest pillar is institutional flow, which is the largest drag on the score; the fundamental cash engine is also weak on a free-cash-flow yield basis. The balance-sheet and insider pillars are the relative strengths. For a prospective investor, the rating indicates that the composite signal set currently leans negative, with a distribution warning, and that the cash-generation case is not supported by the FCF yield figure in the source data. The rating is a model output from the supplied inputs and does not itself constitute a recommendation.

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. — for how the company makes money or to whom it sells. Market capitalization is listed as $0.7B.

Net income rose from $326.5M in FY 2024 to $363.6M in FY 2025 while reported FCF declined from $392.6M to $255.0M. The net margin is 18.7% and the operating and gross margins are each listed as 0%, so margin interpretation beyond net margin is limited by the source data. ROIC is 15.4% and the Altman Z-Score is 2.5 with a Piotroski F-Score of 5/9 and Debt/Equity of 0.5. Cash was $612.8M at FY 2025 versus $640.2M at FY 2024 .

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case: 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 Fundamental Cash Engine at 10/20 (ROIC 15.4%, FCF yield —) and Institutional Whale Flow at 3/20, sustained execution supports upside toward the top of the $2.80 – $6.39 52-week range.
  • 🐻 Primary Bear Case: Reported FCF fell from $392.6M to $255.0M and the FCF yield is 0% while institutional flow scores only 3 of 20. Investors must weigh current valuation against — operating margins and a 1.00 macro beta if sector demand softens.

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). — for specific upstream suppliers or downstream customers.

  • Key Question #1: Why is the FY 2025 operating income reported as — while net income is $363.6M, and what drives the difference?
  • Key Question #2: Why does FCF decline from $392.6M to $255.0M while net income rises, and what accounts for the gap?
  • Key Question #3: What is the debt position, given that debt is reported as N/A for every period despite a Debt/Equity ratio of 0.5?

FINV Live News Feed, Press Releases & Catalyst Wire

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

💬 Jump to FINV Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FINV Bull vs. Bear Conversation Board — What's Your Call at $2.83?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FINV 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FINV:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue Fundamental Long-Only 🐂 BULLISH 🎯 Target: $3.65 (+29.0%)
📌 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 🐂 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 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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