FINV // FinVolution Group

DES <GO> NYSE RQD COCKPIT → CIK 0001691445 ↗

Financials • Finance: Consumer Services

$2.85 ▲ +0.02 (+0.71%)

MKT CAP: $672.9M • VOL: 772.9K

52W L $3 52W H $6

ROARABLE / RQD

C- • 60/100

PIOTROSKI

5 / 9

FINV // ROARABLE RATING & 5-PILLAR RQD CONFIDENCE 02:00 EST DETERMINISTIC ENGINE

PRIOR: RQD 60/100 [C-] (+0 PT) • UNCHANGED AS OF 2026-11-01

ROARABLE C-

RQD CONFIDENCE

60 / 100 +0D

5 X 20-PT QUANT PILLARS

E 0 D 35 C 59 B 70 A 86+

Roarable Hold — Cautious Neutral

01 MASSIVE / SEC XBRL

Forensic Fundamentals

10 / 20

NEUTRAL

FCF -35% vs NI +11.4% • ROIC-WACC +6.4% • Z 3.2

02 INSTITUTIONAL TAPE & TREND

Whale & Options Flow

[LOCKED] FLAGGED

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03 SEC XBRL CAPITAL ALLOCATION

Insider & Capital Conviction

13 / 20

SOLID

FCF YIELD +0% • P/E N/A • F-SCORE 5/9

04 FRED 90D r-MATRIX

Macro Regime Fit

15 / 20

SOLID

TAILWIND • r(10Y)=+0.00 (+23bp) • r(OAS)=+0.00

05 10-K REDLINE AUDIT

Forensic 10-K Risk

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ALERT

Why did FINV's Whale & Options Flow & Forensic 10-K Risk sub-score just flash a warning? Enter your email to unlock the full 5-Pillar Rating Breakdown + get instant alerts whenever FINV is Upgraded or Downgraded.

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

FINV // INSTITUTIONAL BULL VS. BEAR FORENSIC DEBATE

NEUTRAL / PAIR TRADE CONVICTION: 54/100

BEAR 0

100 BULL

FinVolution Group (FINV) exhibits 45.0% gross margins and 15.4% return on invested capital within Financials (Finance: Consumer Services), balanced against a 24.0x enterprise multiple and 4.8% implied options volatility.

▲ INSTITUTIONAL BULL THESIS (LONG)

01. Operating Leverage & Capital Efficiency Moat

Sustained 45.0% gross profitability converts into — operating margin and 15.4% ROIC, outpacing sector cost of capital.

ROIC: 15.4% // GM: 45.0%

02. Top-Line Expansion & Cash Conversion

YoY revenue trajectory of +8.4% paired with 2.80% free cash flow yield supports self-funded R&D and capital return.

REV YOY: +8.4% // FCF YLD: 2.80%

03. Balance Sheet Solvency & Forensic Quality

Altman Z-Score of 3.80 and Piotroski F-Score of 5/9 indicate low near-term refinancing stress.

ALTMAN Z: 3.80 // F-SCORE: 5/9

▼ INSTITUTIONAL BEAR THESIS (SHORT / RISK)

01. Multiple Compression & Duration Sensitivity

Trading at 24.0x trailing P/E (— Fwd P/E) leaves valuation vulnerable if real 10Y TIPS yields spike.

P/E: 24.0x // EV/EBITDA: —

02. Options Skew & Event Volatility Risk

Options market prices a ±5.2% implied move with a 0.85 put/call ratio around $2.85 max pain.

IMPL MOVE: ±5.2% // P/C: 0.85

03. Competitive Margin & CapEx Cycle Pressure

Elevated industry capital intensity and customer concentration in Finance: Consumer Services require continuous execution to defend 18.7% net margins.

NET MARGIN: 18.7% // D/E: 0.45x

KEY CATALYST // Upcoming 10-Q/10-K XBRL margin progression, guidance revision vs — forward consensus, and institutional 13F positioning.

MACRO REGIME // Monitor US 10Y Real Yields (DFII10) and High-Yield Credit Spreads (OAS) for beta-adjusted multiple impact (Beta 1.10).

FORM 4 & 13F FLOW OPEN OWN <GO>

FILER	SIDE	$ VALUE
INSPECT FULL OWNERSHIP LEDGER IN OWN <GO>

UNUSUAL OPTIONS TAPE OPEN OPT <GO>

STRIKE / EXP	TYPE	PREMIUM
INSPECT GEX & CHAIN IN OPT <GO>

KEY VALUATION & PROFITABILITY RATIOS XBRL FA <GO>

TRAILING P/E —

FORWARD P/E —

EV / EBITDA —

FCF YIELD —

GROSS MARGIN —

OPERATING MARGIN —

NET MARGIN 18.7%

ROIC % 15.4%

REV GROWTH YOY +8.4%

DILUTED EPS TTM —

DEBT / EQUITY —

DIVIDEND YIELD 10.84%

RSI-14 MOMENTUM 37.0

5Y EQUITY BETA —

FRED MACRO SENSITIVITY (PEARSON r) ECST <GO>

MACRO CORRELATION CALIBRATION ACTIVE BELOW.

FRED MACRO REGIME STRESS-TEST SIMULATOR // FINVPEARSON R VARIANCE ENGINE

01 // SELECT FEDERAL RESERVE & CREDIT SHOCK SCENARIO

02 // POSITION NOTIONAL EXPOSURE

HEADLINE STRESS SCORE

75/100SEVERE DRAWDOWN PRESSURE

PRIMARY FACTOR EXPOSURE

DFII10 // -0.61 r

Latest: 2.08%

EST. DIRECTIONAL MOVE

-8.50%

Implied Px: $2.61

EST. DOLLAR VARIANCE

-$4,248

On $50,000 Notional

[LOCKED // MULTI-FACTOR DRAWDOWN HEDGE & MACRO TRIGGER ALERT]

Unblur the exact $50,000 delta-adjusted ETF/options hedge ratio for FINV & activate live FRED threshold breach alerts.

HEAD-TO-HEAD PEER COMPARISONS COMP <GO>

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