FINV

FinVolution GroupC

NYSE / Financial Services

At close

2026-07-22

Current thesis

The bull case is that overseas growth is becoming a more meaningful second engine: overseas revenue rose 34.5%, overseas transaction volume rose 36.7%, and overseas operating profit nearly doubled year over year in Q1, while management continued capital returns through US$39.4 million of Q1 repurchases, the May dividend, and a new US$150 million buyback authorization [#PR-2026-05-25-Q1] [#PR-2026-05-25-BUYBACK].

Posture

Mixed

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite, 7D delta -6.9.

What can break

Chinese Mainland transaction volume, repeat-borrower volume, and loan balance declined year over year, keeping core-market demand and regulatory pressure at the center of the risk case [#PR-2026-05-25-Q1].

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $6.70 · Bull $8.20 · Bear $4.10

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-22 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-05-28 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $7.24

Why

Momentum19 · Δ7d +2.5

Value63 · Δ7d -0.0

Sentiment73 · Δ7d -6.9

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Sentiment · See AI snapshot

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

+2.5

Δ21d

-6.1

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.0

Δ21d

-0.1

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-6.9

Δ21d

-1.3

Why this grade

Composite grade C. Momentum 19.0 / Value 62.8 / Sentiment 72.7

Fundamentals (TTM)

As of 2026-07-22

Market Cap

$1.17B

Beta

0.44

Shares Out

129.95M

P/E (TTM)

3.6

P/S (TTM)

0.68

P/FCF (TTM)

6.13

Rev YoY

-3.6%

EPS YoY

-40.1%

Gross Margin

+77.1%

Op Margin

+23.0%

Net Debt

-$1.13B

Current Ratio

3.56

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology