FINV - FinVolution: International Adoption & Cheap Valuation

2025-07-22 08:30:59 ET

As implied by their name, FinVolution Group (NYSE: FINV ) is a fintech company that aims to be a disruptor in both their domestic market, China, and international markets. Despite very poor initial performance after their listing back in 2017, the stock has recovered significantly as the company has managed to better navigate the complex regulatory environment. In the below analysis it is shown that while their international business is still relatively small, strong operational metrics indicate rapid adoption. Furthermore, revenue growth is rebounding and profitability is rising. Especially after considering strong full year guidance, I believe the depressed P/S ratio shows material undervaluation. As a result, I am initiating the stock at a buy rating....

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