COMP <GO>
FINV vs VEL // GROSS PROFIT MARGIN
FinVolution Group (NYSE) VS. Velocity Financial Inc. (NYSE) • 15-METRIC TALLY: FINV 3
— VEL 2
■ METRIC PARITY
LAST: $2.85 (+0.71%) • MKT CAP: $672.9M
gross-margins
—
LAST: $15.95 (+2.44%) • MKT CAP: $629.7M
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FINV VS. VEL)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FINV | VEL | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 15.40% | 15.60% | -0.20 | VEL | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 2.84% | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 18.70% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 8.40% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 10.84% | 0.00% | +10.84 | FINV | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | FINV | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 37.0 | 56.1 | -19.08 | VEL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 5.6x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $672.9M | $629.7M | $43.1M | FINV | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FINV REV | VEL REV | FINV GROSS % | VEL GROSS % | FINV FCF | VEL FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.94B | $0 | — | — | $255.0M | $17.9M |
| FY 2024 | $1.79B | $0 | — | — | $392.6M | $37.5M |
| FY 2023 | $0 | $0 | — | — | $199.1M | $48.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FINV // BETA —
VEL // BETA —