FinVolution Group

FINV

Market cap $1.68B

FinVolution's international revenues are growing at 74%, and the number of international customers is at 96% Y/Y. Pakistan can be framed as a call option, limited downside, stellar upside. It has 251 million people, with 64% under 30 and mostly unbanked. De-listing and confiscation risks are highly unlikely from the perspective of game theory and the Nash equilibrium.

Finvolution (NYSE: FINV) is a leading fintech platform serving young, underserved borrowers in China and Southeast Asia, showing steady growth and undervaluation. FINV's international revenues are rapidly expanding, with strong Q2 results and a positive outlook driven by its growth in Indonesia and the Philippines. Peer analysis shows FINV has mid-range growth and margins but trades at a significant discount to U.S. and Latin American counterparts, supporting a higher valuation.

FinVolution Group (FINV) offers compelling value in Chinese consumer finance, combining a scalable digital model with consistent profitability and a 3.7% dividend yield. FINV's ADR structure and exposure to Chinese regulatory risks contribute to its low valuation, but historical cash flows and shareholder returns demonstrate operational reliability. Recent growth in revenue and earnings, expanding international presence, and a strong balance sheet position FINV well for future upside and risk diversification.

I rate FinVolution Group a strong buy due to its consistently high quant ratings since November 2024 and impressive recent earnings. The company leverages AI and automation, including large language models, to enhance credit decisions, boost scalability, and create a tech moat. AI-powered marketing and operational efficiency have driven strong borrower growth, with 1.2 million new borrowers onboarded in Q1 2025, up 62% YoY.

FinVolution Group (NYSE:FINV ) Q2 2025 Earnings Conference Call August 20, 2025 8:30 PM ET Company Participants Jiayuan Xu - Chief Financial Officer Tiezheng Li - Co-Founder, CEO & Vice Chairman Yam Cheng - Head of Capital Markets Conference Call Participants Xiaoxiong Ye - UBS Investment Bank, Research Division Yun-Yin Wang - China Renaissance, Research Division Operator Hello, ladies and gentlemen. Thank you for participating in the Second Quarter 2025 Earnings Conference Call for FinVolution Group.

-H1 Transaction Volume reached RMB106.1 billion, up 9.4% year-over-year- -H1 International Transaction Volume reached RMB6.2 billion, up 37.8% year-over-year- -H1 Revenue reached RMB7,059.0 million, up 11.5% year-over-year- -H1 International Revenues reached RMB1,507.2 million, up 30.2% year-over-year and representing 21.4% of total net revenues- SHANGHAI , Aug. 20, 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 second quarter ended June 30, 2025. For the Three Months Ended/As of YoY Change June 30 , 202 4 June 30 , 202 5 Total Transaction Volume (RMB in billion s ) [1] 48.7 54.0 10.9 % Transaction Volume (China's Mainland)[2] 46.4 50.8 9.5 % Transaction Volume (International)[3] 2.3 3.2 39.1 % Total Outstanding Loan Balance (RMB in billion s ) 65.6 77.5 18.1 % Outstanding Loan Balance (China's Mainland)[4] 64.2 75.4 17.4 % Outstanding Loan Balance (International)[5] 1.4 2.1 50.0 % Second Quarter 2025 China Market Operational Highlights Cumulative registered users[6] reached 180.9 million as of June 30, 2025, an increase of 11.5% compared with June 30, 2024.

FINV is a Buy due to sustainable double-digit growth potential in underserved emerging credit markets, supported by robust execution and reasonable valuations. Topline and EPS growth remain healthy, driven by expansion in existing international and domestic markets, with disciplined credit risk management as a key strength. Valuation at ~5.5x forward PE is justified by international presence and growth levers, despite China-related regulatory and macro risks.

-Earnings Call Scheduled for 8:30 p .m. ET on August 20 , 2025- SHANGHAI , Aug. 11, 2025 /PRNewswire/ -- FinVolution Group ("FinVolution", or the "Company") (NYSE: FINV), a leading fintech platform, today announced that it will report its second quarter 2025 unaudited financial results, on Wednesday, August 20, 2025, after the close of U.S. markets.

The U.S. government collected nearly $30B in tariff revenue last month, a 242% increase in tariff revenue compared to July 2024. Volatility caused by trade uncertainty and projected interest rate cuts has caused the financial sector to return -2.8% over the past month, per Seeking Alpha data. The volatility has created an opportunity to buy the dip on stocks with strong fundamentals primed for even better performance once markets stabilize.

SHANGHAI , July 28, 2025 /PRNewswire/ -- FinVolution Group ("FinVolution," or the "Company") (NYSE: FINV), a leading fintech platform, today announced it has released its 2024 Environmental, Social, and Governance (ESG) report, the Company's seventh consecutive annual ESG report. The report provides a comprehensive review of FinVolution's ESG initiatives and goals in 2024, highlighting its progress in green operations, community empowerment, and stewardship advancement.