FinVolution Group

FINV

Market cap $1.28B

Top ten ReFa/Ro Dogs are projected to deliver 25.77%–52.74% net gains by December 2026, with an average net gain of 34.55% and risk 62% below the market. Nine of the top ten ReFa/Ro Dogs have annual dividends from $1,000 invested exceeding their share price, meeting the 'ideal' dividend dogcatcher criteria. Analyst targets indicate the five lowest-priced, highest-yield ReFa/Ro Dogs could deliver 3.71% more gain than the top ten as a group.

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Top ten GASV stocks offer projected average net gains of 50.81% by December 2026, with yields ranging from 8.16% to 12.74%. Seventeen of thirty 'safer' lowest-priced GASV stocks are currently fair-priced and ideal for dividend-focused investors seeking value. Analyst targets suggest the five lowest-priced, highest-yield GASV stocks could deliver 21.77% higher gains than the broader top ten group.

Top ten ReFa/Ro Dogs are projected to deliver 25.31%–74.17% net gains by November 2026, with a 45.85% average gain on $10k invested. All top ten ReFa/Ro Dogs meet the 'ideal' test: dividends from $1k invested exceed their single share price, enhancing yield-focused strategies. Analyst targets suggest the five lowest-priced, highest-yield ReFa/Ro Dogs could outperform, with Hafnia Ltd (HAFN) showing top estimated gains of 88.07%.

FinVolution trades at a forward P/E of 3x, reflecting deep undervaluation and a significant discount to sector and index multiples. Despite a 29% stock decline and weak China transaction volumes, international revenue surged 37% and now comprises 25% of total revenue. I maintain a buy rating with a $9 price target, projecting 81% upside over 24 months as international growth offsets China headwinds.

Top ten large-cap value 'GASV dogs' offer projected average net gains of 46.31% by November 2026, with yields from 8.09% to 11.74%. Seventeen of twenty-seven 'safer' lowest-priced GASV stocks are currently buyable, meeting strict dividend and price criteria for fair value. Analyst targets suggest the five lowest-priced, highest-yield GASV stocks could deliver 6.86% higher gains than the top ten as a group.

FinVolution Group (FINV) has experienced a sharp stock decline despite strong earnings and resilient international growth, especially in Southeast Asia. FINV's international segment now accounts for 25% of revenue, providing a natural hedge against Chinese regulatory uncertainty and supporting overall growth. Management is committed to maximizing shareholder returns through buybacks, citing the stock's undervaluation at 0.6x net book value and robust financial metrics.

FinVolution Group ( FINV ) Q3 2025 Earnings Call November 19, 2025 7:30 PM EST Company Participants Yam Cheng Tiezheng Li - Co-Founder, CEO & Vice Chairman Jiayuan Xu - Chief Financial Officer Conference Call Participants Xiaoxiong Ye - UBS Investment Bank, Research Division Yun-Yin Wang - China Renaissance, Research Division Dongping Zhou - China International Capital Corporation Limited, Research Division Presentation Operator Hello, ladies and gentlemen. Thank you for participating in the third quarter 2025 earnings conference call for FinVolution Group.

- Third Quarter Revenue reached RMB3,486.6 million, up 6.4% year-over-year- - Third Quarter International Revenues reached RMB873.3 million, up 37.4% year-over-year and representing 25.0% of total net revenues- SHANGHAI , Nov. 19, 2025 /PRNewswire/ -- FinVolution Group ("FinVolution" or the "Company") (NYSE: FINV), a leading fintech platform in China, Indonesia and the Philippines, today announced its unaudited financial results for the third quarter ended September 30, 2025. For the Three Months Ended/As of YoY Change September 30 ,  2024 September 30 ,  2025 Total Transaction Volume (RMB in billions )[ 1] 52.2 51.2 -1.9 % Transaction Volume (China's Mainland)[2] 49.5 47.6 -3.8 % Transaction Volume (International)[3] 2.7 3.6 33.3 % Total Outstanding Loan Balance (RMB in billions ) 68.1 77.1 13.2 % Outstanding Loan Balance (China's Mainland)[4] 66.5 74.8 12.5 % Outstanding Loan Balance (International)[5] 1.6 2.3 43.8 % Third Quarter 2025 China Market Operational Highlights Cumulative registered users[6] reached 184.3 million as of September 30, 2025, an increase of 10.5% compared with September 30, 2024.

-Earnings Call Scheduled for 7:30 p .m. ET on November 19 , 2025- SHANGHAI , Nov. 12, 2025 /PRNewswire/ -- FinVolution Group ("FinVolution", or the "Company") (NYSE: FINV), a leading fintech platform, today announced that it will report its third quarter 2025 unaudited financial results, on Wednesday, November 19, 2025, after the close of U.S. markets.