FinVolution (FINV) EBIT Margin (2016 - 2025)
FinVolution (FINV) recorded quarterly EBIT Margin of 15.96% in Q4 2025, down 23.56% quarter-over-quarter from 20.88% in Q3 2025, and down 683.0% on a YoY basis from 2.74% in Q4 2024.
FinVolution (FINV) EBIT Margin (2016 - 2025) Analysis & Trends
FinVolution's EBIT Margin history runs 10 years deep, the most recent figure standing at 15.96% for Q4 2025.
- In Q4 2025, EBIT Margin fell 683.0% year-over-year to 15.96%; the TTM figure through Dec 2025 stood at 21.34% (up 204.0% YoY), while the FY2025 annual figure was 5.56%, down 1384.0% from the prior year.
- EBIT Margin was 15.96% for Q4 2025 at FinVolution, down from 20.88% in the prior quarter.
- In the past five years, EBIT Margin ranged from a high of 31.03% in Q1 2021 to a low of 15.91% in Q4 2023.
- Historically, EBIT Margin has averaged 22.0% across 5 years, with a median of 21.8% in 2021.
- Biggest YoY gain for EBIT Margin was 940 bps in 2021; the steepest drop was 1076 bps in 2021.
- A 5-year view of EBIT Margin shows it stood at 21.38% in 2021, then retreated by 5 bps to 20.22% in 2022, then dropped by 21 bps to 15.91% in 2023, then soared by 43 bps to 22.79% in 2024, then retreated by 30 bps to 15.96% in 2025.
- The last three EBIT Margin figures came in at 15.96% (Q4 2025), 20.88% (Q3 2025), and 22.57% (Q2 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 64.42% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 58.43% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 18.77% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 44.55% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 17.81% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 42.26% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 26.44% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 3.39% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 35.49% |
| 10 | FinVolution | 875.71 Mn | -381.84 Mn | 311.24 Mn | 15.96% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 15.96% |
| Sep 30, 2025 | 20.88% |
| Jun 30, 2025 | 22.57% |
| Mar 31, 2025 | 25.37% |
| Dec 31, 2024 | 22.79% |
| Sep 30, 2024 | 16.74% |
| Jun 30, 2024 | 17.70% |
| Mar 31, 2024 | 19.86% |
| Dec 31, 2023 | 15.91% |
| Sep 30, 2023 | 17.46% |
| Jun 30, 2023 | 18.71% |
| Mar 31, 2023 | 24.33% |
| Dec 31, 2022 | 20.22% |
| Sep 30, 2022 | 22.21% |
| Jun 30, 2022 | 24.63% |
| Mar 31, 2022 | 23.79% |
| Dec 31, 2021 | 21.38% |
| Sep 30, 2021 | 28.90% |
| Jun 30, 2021 | 29.53% |
| Mar 31, 2021 | 31.03% |