u/ClashingThought ·
Reddit — r/stocks
· May 27, 2026 at 15:14
· ⬆ 1 pts
· 💬 2 comments
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Summary
The sole highly-upvoted comment dismisses the bullish thesis on FINV as “fantasy math,” arguing that the market correctly prices in regulatory damage and deteriorating earnings.
The commenter contends that reported EBITDA is low quality and cyclical, and that the large net cash balance is not necessarily accessible or value-accretive for shareholders.
No other viewpoints are presented; the thread consensus is overwhelmingly bearish on the stock’s fundamentals and market discount.
Score1
Comments2
▶ Full Post Text
[+5] u/jimbob57566: This entire pitch is just “the market is wrong” wrapped in EBITDA fantasy math.
You’re slapping premium multiples on a Chinese subprime lender right after regulators nuked its highest-margin loans, then pretending one quarter of sequential growth means the problem is solved.
“$900M net cash” means nothing if the business keeps deteriorating or the cash isn’t realistically extractable for shareholders.
And calling it a “free $400M EBITDA business” ignores the obvious possibility that the EBITDA is low quality, cyclical, regulation-crushed, or headed sharply lower.
If this thing were genuinely worth cash + SEA growth + a stable China business, it wouldn’t trade like a dying cigarette butt.
The market is telling you the earnings are trash and nobody trusts them.