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FINV

9/9 Score

FinVolution Group

Analysis Date: February 16, 2026

FinVolution Group operates fintech platform that connects underserved individual borrowers with financial institutions in China. It operates in online consumer finance industry. The company's platform empowered by proprietary technologies, features automated loan transaction process, which enables a user experience. As of March 31, 2022, it had approximately 145.3 million cumulative registered users. The company was formerly known as PPDAI Group Inc. and changed its name to FinVolution Group in November 2019. FinVolution Group was founded in 2007 and is headquartered in Shanghai, the People's Republic of China.

Buffettology Criteria

All 9 of 9 criteria passed

  • High ROE

    Return on Equity > 12%

    Value: 17.8%

  • High ROIC

    Return on Invested Capital > 9%

    Value: 12.3%

  • Cash Machine

    FCF / Assets > 5%

    Value: 12.1%

  • Fair Valuation

    Earnings Yield > 3.5%

    Value: 29.2%

  • Share Buybacks

    Share Count is Dropping

    Value: -6.1%

  • Defensible Moat

    Gross Profit Margin > 40%

    Value: 80.1%

  • Simple Business

    Not in a speculative sector (e.g., Biotech)

    Value: Financial Services

  • Conservative Debt

    Debt to Equity < 1.5

    Value: 0.07x

  • Consistent Growth

    5-Year Growth is Positive

    Value: 16.4%

Analysis Summary

This Finnish financial services outfit, FINV, has certainly caught my eye. It appears to meet all nine of my core criteria, boasting strong returns on equity and invested capital, a healthy cash flow conversion, and a surprisingly solid moat for a financial firm. With a lean balance sheet and a history of consistent growth, this company looks like a potential jewel worth digging into further for long-term value.

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