Stock Ratings / Financials / FINV / financials

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FinVolution Group (FINV) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$2.85 +0.71% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $2.85

FinVolution Group (FINV) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $672.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $2.85 (-0.06%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 13.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

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 B-

Each axis scored 0–20

12M PRICE TARGET CONE+1.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FINV)Realized 20D OHLCV Swing Band: ±9.4%

Deterministic 5-Pillar Attribution (60/100 Composite)

🔍 WHY FINV SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (25% of score)

FRED Regime × Technicals: 2% of 52W Range • RSI-14 at 37 (NEUTRAL RANGE)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

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

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$3.06+2.3% Next Q

Q2 (-2Q)

Grade C+$3.13-6.1% Next Q

Q3 (-1Q)

Grade C+$2.94-3.1% Next Q

Current

Grade C-$2.85+0.4% Hist 90D α

Trajectory: B- (68) → C- (60)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FINV Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, FINV faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($3.25) or 200D SMA ($4.58) invalidates the momentum regime and cuts Target Base ($2.88) toward Bear Floor ($2.25).

🎲 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 60%NO 40%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How FINV Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$255.0M (13.1% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $1.94B

FY24

Rev $1.79B

FY25

Rev $1.94B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$1.94B	52%	0%	$363.6M	$255.0M	15.4%
FY 2024	$1.79B	52%	0%	$326.5M	$392.6M	15.4%
FY 2023	$1.94B	52%	0%	$329.7M	$199.1M	15.4%

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: -42.54%🛡️ HOLDING TREND SUPPORT

2026-10-30O $2.85H $2.93L $2.80C $2.85VOL 804.5K

RES: $3.89SUP: $2.57SMA50: $3.25SMA200: $4.58

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 #507 of 1096 ⚔️ BTGO vs FINV Full Matrix →

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

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, FinVolution Group (FINV) ranks #507 by composite RQD confidence (60/100, grade C-) and #637 by equity capitalization ($672.9M). Within this direct 5-issuer industry benchmark cohort, FINV leads on earnings valuation at N/A trailing P/E, while QFIN leads on capital efficiency and profitability with 27.2% ROIC and — gross margin. QFIN currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with FINV at 60/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FINV ACTIVE FinVolution Group	C-	60/100	—	—	15.4%	+0.71%	$672.9M	Benchmark Subject
BTGO BitGo Holdings Inc. (Class A)	D	50/100	—	—	—	-0.17%	$680.6M	/btgo-vs-finv →
LU Lufax Holding Ltd (each representing twenty (20) )	D	48/100	—	—	—	-2.94%	$687.3M	/lu-vs-finv →
TRON Tron Inc.	E	26/100	—	—	-0.9%	-11.40%	$645.2M	/tron-vs-finv →
QFIN Qfin Holdings Inc.	C	65/100	—	—	27.2%	-4.01%	$641.6M	/qfin-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 ) , 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	$0	$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 2026-11-01, FinVolution Group (NYSE: FINV) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $2.85 (+0.71% 1D, market cap $672.9M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, FINV ranks #507 in composite RQD confidence.

How does FINV compare to BTGO and LU in the Financials sector?

Within the Financials sector (Finance: Consumer Services), FINV carries a Roarable C- (60/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 15.4%. By comparison, BTGO (BitGo Holdings Inc. (Class A)) holds a D grade (50/100 RQD, P/E N/A, ROIC —, cap $680.6M) and LU (Lufax Holding Ltd (each representing twenty (20) )) posts a D grade (48/100 RQD, P/E N/A, ROIC —, cap $687.3M). Among the 5-stock peer group, FINV leads on earnings multiple (N/A) while QFIN leads on capital efficiency (27.2% 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: Broader market pullbacks can still drag down strong stocks in the short run.. 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 $2.85 (+0.71% on volume of 772,861 shares), positioning the stock -12.31% below its 50-day simple moving average ($3.25) and -37.77% below its 200-day simple moving average ($4.58). Across its 52-week range of $2.80 to $6.39, FINV sits at the 1.4% percentile with a 14-day RSI of 37.0 (NEUTRAL RANGE) and an implied next-earnings move of ±9.4% ($2.58 to $3.12).

FINV Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is FinVolution Group (FINV)?

In FY 2025 (10-K), FINV converted $1.9B of revenue into a 52% gross margin, 0% operating margin, and $255.0M in free cash flow (13.1% FCF margin).

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