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FinVolution Group (FINV)

NYSE: FINV · Loan Brokers · Shanghai, CN · filing with the SEC since 2017
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Grade6.8
◀ Past 8.4● Present 6.1▶ Future 5.1
1 est.
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The grade of FinVolution Group

Nine metrics read from its own filings, by tense
Headline grade
6.8/10
◀ Past8.440% of the headline
● Present6.135% of the headline
▶ Future5.125% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

8.4/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.8/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 78th percentile among 20 sector filers · read for itself

From the record

FinVolution Group's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
8.4/10

What has it actually done, year after year?

+30.8% a year over 7 filed years; profitable in 10 of 10.

weight 22% of this tense · 84th percentile among 19 sector filers · read for its customers

From the record

FinVolution Group's 7 filed years say what it did: revenue went from CNY 1.2 billion in fiscal 2016 to CNY 14 billion in fiscal 2025, up 30.8% a year; it rose in 6 of 6 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span30.8%top 24% of its family
  • the share of years revenue rosetop 11% of its family
  • the share of filed years with a profittop 18% of its family
  • the deepest fall from a revenue peak0.0%top 11% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
9.4/10

How has it treated the people who own it?

Share count shrank 2.8% a year. 57% of cash flow returned. Insiders: 1 sales, 0 purchases.

weight 33% of this tense · 94th percentile among 11 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, FinVolution Group's diluted share count shrank about 2.8% a year, and dividends and buybacks returned about 57% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 8% of its family
  • cash returned against operating cash flowtop 4% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.1/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
7.2/10

Is it financially healthy right now?

ROE 15%: 15¢ of profit per shareholder dollar. Leverage 34%: owes 34¢ per asset dollar.

weight 45% of this tense · 71st percentile among 19 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, FinVolution Group earned about 15 cents of profit for every dollar of shareholders' money. Leverage: it owed about 34 cents per dollar of assets, and net share issuance: its share count grew 1.1% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 18% of its family
  • return on equitytop 29% of its family
  • the share count against the year beforetop 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
5.3/10

How strong is its position in its industry?

top 47% of 19 in its family; net margin 18.7%.

weight 33% of this tense · 53rd percentile among 19 sector filers · read for its customers

From the record

FinVolution Group's standing among 19 graded names in its industry family: revenue of CNY 14 billion in fiscal 2025 is not ranked by size, since the family reports in another currency; a net margin of 18.7% ranks in the top 24%; revenue growth of 6.8% a year over the last 3 filed years ranks in the bottom 29% (its annual reports).

What it rests on

  • net margin18.7%top 24% of its family
  • three-year revenue growth6.8%bottom 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
5.3/10

What are the people in charge doing?

SI estimate 5.3/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 16 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-17 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 16 members with one.
What the record cannot read
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-17 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
family median, 16 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: FinVolution Group's leadership is put at 5.3 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-17 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 16 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.1/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
6.0/10

How much room does it have to grow?

top 40% of 19 in its family for room to expand.

weight 33% of this tense · 60th percentile among 19 sector filers · read for itself

From the record

FinVolution Group's room to grow, from the newest filed statements (fiscal 2025): cash of CNY 4.3 billion against debt of CNY 90 million leaves 16.5% of its assets as net cash, top 13% of its family; cash from operations less capital spending is 13.1% of revenue (top 18%); research spending of 4% of revenue (bottom 13%) (its annual report).

What it rests on

  • cash less debt against assets16.5%top 13% of its family
  • cash from operations less capital spending against revenue13.1%top 18% of its family
  • research spending against revenue4.0%bottom 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
4.4/10

What could actually drive growth from here?

bottom 44% of 19 in its family for growth drivers.

weight 33% of this tense · 44th percentile among 19 sector filers · read for its customers

From the record

FinVolution Group's growth drivers, from the filed years to fiscal 2025: revenue grew 6.8% a year over the last three filed years against 30.8% over all 7, slowing (bottom 8% of its family); the newest year grew 3.9% (bottom 24%); research spending grew 3% a year (top 25%); capital spending grew 16.8% a year (top 32%) (its annual reports). FinVolution Group reported 6 product lines in fiscal 2025: Loan Facilitation Service Fees at CNY 5.2 billion (38%), Guarantee Income at CNY 4.1 billion (30%), Postfacilitation Service Fees at CNY 1.6 billion (12%), and 3 more; 3 of 6 grew against the year before (its annual report).

What it rests on

  • three-year growth against the whole span-24.0 points a yearbottom 8% of its family
  • the newest year's revenue growth3.9%bottom 24% of its family
  • three-year growth of research spending3.0%top 25% of its family
  • three-year growth of capital spending16.8%top 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
4.8/10

Did its newest year beat what its own record pointed to?

bottom 48% of 17 in its family for expectations against reality.

weight 33% of this tense · 48th percentile among 17 sector filers · read for its shareholders

From the record

FinVolution Group's newest year against its own record: revenue of CNY 14 billion in fiscal 2025 came in 4.1% below the CNY 14 billion its prior three years' pace pointed to (bottom 38% of its family); net income of CNY 2.5 billion against a prior three-year average of CNY 2.3 billion (top 44%); a net margin of 18.7% against 19.1% before (top 50%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-4.1%bottom 38% of its family
  • net income against the prior three years' average+9%top 44% of its family
  • net margin against its prior average-0.3 pointstop 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton FINV · research, not advice