FinVolution (FINV) Asset Utilization Ratio (2017 - 2025)
FinVolution (FINV) posted Asset Utilization Ratio of 0.52 for Q4 2025, down 2.16% on a QoQ basis from 0.53 in Q3 2025, and down 5.94% year-over-year from 0.56 in Q4 2024.
Analysis
FinVolution (FINV) Asset Utilization Ratio (2017 - 2025) Analysis & Trends
FinVolution has reported Asset Utilization Ratio for 9 years, with the latest figure at 0.52 in Q4 2025.
- On a quarterly basis, Asset Utilization Ratio fell 5.94% year-over-year to 0.52 in Q4 2025; TTM through Dec 2025 was 0.52, a 5.94% decrease from a year earlier, with the FY2025 full-year figure at 0.57, down 1.62% from the prior year.
- Asset Utilization Ratio was 0.52 for Q4 2025 at FinVolution, down from 0.53 in the prior quarter.
- The five-year high for Asset Utilization Ratio was 0.59 in Q1 2024, with the low at 1.64 in Q1 2021.
- Average Asset Utilization Ratio over 5 years is 0.1, with a median of 0.55 recorded in 2022.
- The sharpest annual moves came in 2021 and 2023: Asset Utilization Ratio plunged 469.53% in 2021, then surged 154.97% in 2023.
- Over 5 years, Asset Utilization Ratio stood at 1.06 in 2021, then fell by 1.01% to 1.07 in 2022, then soared by 154.97% to 0.59 in 2023, then slipped by 5.26% to 0.56 in 2024, then slipped by 5.94% to 0.52 in 2025.
- The last three Asset Utilization Ratio figures came in at 0.52 (Q4 2025), 0.53 (Q3 2025), and 0.55 (Q2 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Upstart Holdings | 2.43 Bn | 1.99 Bn | 303.39 Mn | 0.41 |
| 2 | Pagaya Technologies | 1.70 Bn | 1.51 Bn | 168.33 Mn | 0.83 |
| 3 | Qfin Holdings | 986.27 Mn | -9.51 Mn | - | 0.31 |
| 4 | FinVolution | 836.54 Mn | -90.46 Mn | - | - |
| 5 | X Financial | 386.17 Mn | -182.14 Mn | 84.09 Mn | 0.43 |
| 6 | Open Lending | 371.20 Mn | 186.25 Mn | 15.64 Mn | 0.38 |
| 7 | Blend Labs | 279.09 Mn | 234.22 Mn | 24.89 Mn | 0.85 |
| 8 | LexinFintech Holdings | 251.25 Mn | 251.25 Mn | 73.06 Mn | 0.57 |
| 9 | Jiayin | 76.25 Mn | 2.23 Mn | - | 0.46 |
| 10 | Antalpha Platform Holding | 76.02 Mn | -813.69 Mn | 11.94 Mn | 19,086.95 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Dec 31, 2025 | 0.52 |
| Sep 30, 2025 | 0.53 |
| Jun 30, 2025 | 0.55 |
| Mar 31, 2025 | 0.56 |
| Dec 31, 2024 | 0.56 |
| Sep 30, 2024 | 0.57 |
| Jun 30, 2024 | 0.59 |
| Mar 31, 2024 | 0.59 |
| Dec 31, 2023 | 0.59 |
| Sep 30, 2023 | 0.58 |
| Jun 30, 2023 | 0.57 |
| Mar 31, 2023 | -1.17 |
| Dec 31, 2022 | -1.07 |
| Sep 30, 2022 | 0.54 |
| Jun 30, 2022 | 0.52 |
| Mar 31, 2022 | -1.36 |
| Dec 31, 2021 | -1.06 |
| Sep 30, 2021 | 0.56 |
| Jun 30, 2021 | 0.54 |
| Mar 31, 2021 | -1.64 |