FINV
FinVolution Group
Financial - Credit Services
Market Cap$2.89B
5Y Perf.+235.5%
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Stock Comparison
FINV vs BABA
Revenue, margins, valuation, and 5-year total return — side by side.
BABA
Alibaba Group Holding Limited
Specialty Retail
Market Cap$319.30B
5Y Perf.-36.2%
FINV vs BABA — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | FINV | BABA |
|---|---|---|
| Industry | Financial - Credit Services | Specialty Retail |
| Market Cap | $2.89B | $319.30B |
| Revenue (TTM) | $13.07B | $1.01T |
| Net Income (TTM) | $2.80B | $123.35B |
| Gross Margin | 79.3% | 41.2% |
| Operating Margin | 19.4% | 10.9% |
| Forward P/E | 0.6x | 3.9x |
| Total Debt | $34M | $248.49B |
| Cash & Equiv. | $4.67B | $181.73B |
FINV vs BABA — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FINV
BABA
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| FinVolution Group (FINV) | 100 | 335.5 | +235.5% |
| Alibaba Group Holdi… (BABA) | 100 | 63.8 | -36.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FINV vs BABA
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: FINV leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Alibaba Group Holding Limited is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
FINV
FinVolution Group
The Banking Pick
FINV carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 4 yrs, beta 1.12, yield 4.8%
- Lower volatility, beta 1.12, Low D/E 0.2%, current ratio 4.31x
- Beta 1.12, yield 4.8%, current ratio 4.31x
Best for: income & stability and sleep-well-at-night
BABA
Alibaba Group Holding Limited
The Growth Play
BABA is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 5.9%, EPS growth 70.9%, 3Y rev CAGR 5.3%
- 73.6% 10Y total return vs FINV's -47.7%
- 5.9% revenue growth vs FINV's 3.7%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BABA | 5.9% revenue growth vs FINV's 3.7% |
| Value | FINV | Lower P/E (0.6x vs 3.9x) |
| Quality / Margins | FINV | 18.2% margin vs BABA's 12.2% |
| Stability / Safety | FINV | Beta 1.12 vs BABA's 1.21, lower leverage |
| Dividends | FINV | 4.8% yield, 4-year raise streak, vs BABA's 1.3% |
| Momentum (1Y) | BABA | +6.1% vs FINV's -36.1% |
| Efficiency (ROA) | FINV | 11.2% ROA vs BABA's 6.7%, ROIC 12.9% vs 9.6% |
FINV vs BABA — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2025
FINV vs BABA — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFINVLAGGINGBABA
BABAAlibaba Group Holding…
1leads
FINVFinVolution Group
4leads
6 Total Categories
CATEGORYLEADERvs BABAMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
FINV5/5
Valuation MetricsMultiples, price ratios, and targets
FINV6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FINV7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
BABA4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
FINV2/2
Income & Cash Flow (Last 12 Months)
FINV leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BABA is the larger business by revenue, generating $1.01T annually — 77.5x FINV's $13.1B. FINV is the more profitable business, keeping 18.2% of every revenue dollar as net income compared to BABA's 12.2%.
| Metric | FINVFinVolution Group | BABAAlibaba Group Hol… |
|---|---|---|
| RevenueTrailing 12 months | $13.1B | $1.01T |
| EBITDAEarnings before interest/tax | $3.3B | $114.6B |
| Net IncomeAfter-tax profit | $2.8B | $123.4B |
| Free Cash FlowCash after capex | $1.5B | $2.6B |
| Gross MarginGross profit ÷ Revenue | +79.3% | +41.2% |
| Operating MarginEBIT ÷ Revenue | +19.4% | +10.9% |
| Net MarginNet income ÷ Revenue | +18.2% | +12.2% |
| FCF MarginFCF ÷ Revenue | +21.9% | +0.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +4.8% |
| EPS Growth (YoY)Latest quarter vs prior year | -2.1% | -52.0% |
FINV leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
FINV leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 3.8x trailing earnings, FINV trades at a 77% valuation discount to BABA's 16.8x P/E. On an enterprise value basis, FINV's 5.8x EV/EBITDA is more attractive than BABA's 12.8x.
| Metric | FINVFinVolution Group | BABAAlibaba Group Hol… |
|---|---|---|
| Market CapShares × price | $2.9B | $319.3B |
| Enterprise ValueMkt cap + debt − cash | $2.2B | $329.1B |
| Trailing P/EPrice ÷ TTM EPS | 3.85x | 16.84x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.64x | 3.87x |
| PEG RatioP/E ÷ EPS growth rate | 1.13x | — |
| EV / EBITDAEnterprise value multiple | 5.76x | 12.77x |
| Price / SalesMarket cap ÷ Revenue | 1.51x | 2.19x |
| Price / BookPrice ÷ Book value/share | 0.59x | 2.00x |
| Price / FCFMarket cap ÷ FCF | 6.89x | 27.89x |
FINV leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
FINV leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
FINV delivers a 17.4% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $11 for BABA. FINV carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to BABA's 0.23x. On the Piotroski fundamental quality scale (0–9), BABA scores 7/9 vs FINV's 5/9, reflecting strong financial health.
| Metric | FINVFinVolution Group | BABAAlibaba Group Hol… |
|---|---|---|
| ROE (TTM)Return on equity | +17.4% | +11.2% |
| ROA (TTM)Return on assets | +11.2% | +6.7% |
| ROICReturn on invested capital | +12.9% | +9.6% |
| ROCEReturn on capital employed | +13.8% | +10.4% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 7 |
| Debt / EquityFinancial leverage | 0.00x | 0.23x |
| Net DebtTotal debt minus cash | -$4.6B | $66.8B |
| Cash & Equiv.Liquid assets | $4.7B | $181.7B |
| Total DebtShort + long-term debt | $34M | $248.5B |
| Interest CoverageEBIT ÷ Interest expense | — | 15.74x |
FINV leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
BABA leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FINV five years ago would be worth $9,753 today (with dividends reinvested), compared to $6,035 for BABA. Over the past 12 months, BABA leads with a +6.1% total return vs FINV's -36.1%. The 3-year compound annual growth rate (CAGR) favors BABA at 18.0% vs FINV's 13.7% — a key indicator of consistent wealth creation.
| Metric | FINVFinVolution Group | BABAAlibaba Group Hol… |
|---|---|---|
| YTD ReturnYear-to-date | +3.2% | -15.1% |
| 1-Year ReturnPast 12 months | -36.1% | +6.1% |
| 3-Year ReturnCumulative with dividends | +47.1% | +64.5% |
| 5-Year ReturnCumulative with dividends | -2.5% | -39.6% |
| 10-Year ReturnCumulative with dividends | -47.7% | +73.6% |
| CAGR (3Y)Annualised 3-year return | +13.7% | +18.0% |
BABA leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — FINV and BABA each lead in 1 of 2 comparable metrics.
Risk & Volatility
FINV is the less volatile stock with a 1.12 beta — it tends to amplify market swings less than BABA's 1.21 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. BABA currently trades 68.6% from its 52-week high vs FINV's 46.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FINVFinVolution Group | BABAAlibaba Group Hol… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.12x | 1.21x |
| 52-Week HighHighest price in past year | $10.90 | $192.67 |
| 52-Week LowLowest price in past year | $4.50 | $103.71 |
| % of 52W HighCurrent price vs 52-week peak | +46.8% | +68.6% |
| RSI (14)Momentum oscillator 0–100 | 53.2 | 51.2 |
| Avg Volume (50D)Average daily shares traded | 1.3M | 10.1M |
Evenly matched — FINV and BABA each lead in 1 of 2 comparable metrics.
Analyst Outlook
FINV leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates FINV as "Buy" and BABA as "Buy". Consensus price targets imply 46.9% upside for BABA (target: $194) vs 16.5% for FINV (target: $6). For income investors, FINV offers the higher dividend yield at 4.80% vs BABA's 1.34%.
| Metric | FINVFinVolution Group | BABAAlibaba Group Hol… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $5.94 | $194.23 |
| # AnalystsCovering analysts | 4 | 59 |
| Dividend YieldAnnual dividend ÷ price | +4.8% | +1.3% |
| Dividend StreakConsecutive years of raises | 4 | 2 |
| Dividend / ShareAnnual DPS | $1.67 | $12.14 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.3% | +4.0% |
FINV leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
FINV leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). BABA leads in 1 (Total Returns). 1 tied.
Best OverallFinVolution Group (FINV)Leads 4 of 6 categories
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FINV vs BABA: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is FINV or BABA a better buy right now?
For growth investors, Alibaba Group Holding Limited (BABA) is the stronger pick with 5.
9% revenue growth year-over-year, versus 3. 7% for FinVolution Group (FINV). FinVolution Group (FINV) offers the better valuation at 3. 8x trailing P/E (0. 6x forward), making it the more compelling value choice. Analysts rate FinVolution Group (FINV) a "Buy" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — FINV or BABA?
On trailing P/E, FinVolution Group (FINV) is the cheapest at 3.
8x versus Alibaba Group Holding Limited at 16. 8x. On forward P/E, FinVolution Group is actually cheaper at 0. 6x.
03Which is the better long-term investment — FINV or BABA?
Over the past 5 years, FinVolution Group (FINV) delivered a total return of -2.
5%, compared to -39. 6% for Alibaba Group Holding Limited (BABA). Over 10 years, the gap is even starker: BABA returned +73. 6% versus FINV's -47. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — FINV or BABA?
By beta (market sensitivity over 5 years), FinVolution Group (FINV) is the lower-risk stock at 1.
12β versus Alibaba Group Holding Limited's 1. 21β — meaning BABA is approximately 8% more volatile than FINV relative to the S&P 500. On balance sheet safety, FinVolution Group (FINV) carries a lower debt/equity ratio of 0% versus 23% for Alibaba Group Holding Limited — giving it more financial flexibility in a downturn.
05Which is growing faster — FINV or BABA?
By revenue growth (latest reported year), Alibaba Group Holding Limited (BABA) is pulling ahead at 5.
9% versus 3. 7% for FinVolution Group (FINV). On earnings-per-share growth, the picture is similar: Alibaba Group Holding Limited grew EPS 70. 9% year-over-year, compared to 8. 4% for FinVolution Group. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — FINV or BABA?
FinVolution Group (FINV) is the more profitable company, earning 18.
2% net margin versus 13. 1% for Alibaba Group Holding Limited — meaning it keeps 18. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FINV leads at 19. 4% versus 14. 1% for BABA. At the gross margin level — before operating expenses — FINV leads at 79. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is FINV or BABA more undervalued right now?
On forward earnings alone, FinVolution Group (FINV) trades at 0.
6x forward P/E versus 3. 9x for Alibaba Group Holding Limited — 3. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BABA: 46. 9% to $194. 23.
08Which pays a better dividend — FINV or BABA?
All stocks in this comparison pay dividends.
FinVolution Group (FINV) offers the highest yield at 4. 8%, versus 1. 3% for Alibaba Group Holding Limited (BABA).
09Is FINV or BABA better for a retirement portfolio?
For long-horizon retirement investors, Alibaba Group Holding Limited (BABA) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
21), 1. 3% yield). Both have compounded well over 10 years (BABA: +73. 6%, FINV: -47. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between FINV and BABA?
These companies operate in different sectors (FINV (Financial Services) and BABA (Consumer Cyclical)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(FINV: 3.7% · BABA: 4.8%)Net Margin>
%
(FINV: 18.2% · BABA: 12.2%)P/E Ratio<
x
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