Profitability
Weight: 25%
B
74
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 9.4%
- Operating Margin Trend -1.40 pp/yr
FINV
FinVolution Group
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A
88
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 14.8%
- 5yr Share-Count CAGR -2.6%
Growth Quality
Weight: 10%
B+
78
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 29.5%
- 5yr EPS CAGR 2.6%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
C-
49
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 0.59x
Balance Sheet
Weight: 30%
A+
100
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 65.1%
- Interest Coverage (EBIT/Int) 30.00x
Stability
Weight: 10%
B+
79
- EPS Volatility (σ/μ) 0.11
- Piotroski F-Score 5
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Wood sold -100%