FinVolution (FINV) EBT Margin (2016 - 2025)
FinVolution (FINV) posted quarterly EBT Margin of 16.65% for Q4 2025, down 690.0% year-over-year from 2.82% in Q4 2024, and down 25.24% quarter-over-quarter from 22.27% in Q3 2025.
FinVolution (FINV) EBT Margin (2016 - 2025) Analysis & Trends
FinVolution's EBT Margin history runs 10 years deep, the most recent figure standing at 16.65% for Q4 2025.
- In Q4 2025, EBT Margin fell 690.0% year-over-year to 16.65%; the TTM figure through Dec 2025 stood at 22.81% (up 103.0% YoY), while the FY2025 annual figure was 22.86%, up 108.0% from the prior year.
- EBT Margin for Q4 2025 stood at 16.65%, down from 22.27% in the prior quarter.
- The five-year high for EBT Margin was 33.06% in Q1 2021, with the low at 16.65% in Q4 2025.
- The 5-year median for EBT Margin is 23.26% (2021), against an average of 24.06%.
- Peak annual rise in EBT Margin reached 886 bps in 2021, while the deepest fall reached 1040 bps in 2021.
- FinVolution's EBT Margin stood at 22.98% in 2021, then retreated by 3 bps to 22.34% in 2022, then dropped by 19 bps to 18.0% in 2023, then soared by 31 bps to 23.54% in 2024, then declined by 29 bps to 16.65% in 2025.
- Business Quant data shows FINV's EBT Margin at 16.65% in Q4 2025, 22.27% in Q3 2025, and 25.99% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 58.74% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 59.14% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 20.73% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 30.28% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 15.09% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 24.62% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 10.34% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | 154.09% |
| 10 | FinVolution | 6.07 Bn | 5.64 Bn | 311.24 Mn | 16.65% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 16.65% |
| Sep 30, 2025 | 22.27% |
| Jun 30, 2025 | 25.99% |
| Mar 31, 2025 | 25.61% |
| Dec 31, 2024 | 23.54% |
| Sep 30, 2024 | 22.76% |
| Jun 30, 2024 | 19.77% |
| Mar 31, 2024 | 20.84% |
| Dec 31, 2023 | 18.00% |
| Sep 30, 2023 | 21.20% |
| Jun 30, 2023 | 22.61% |
| Mar 31, 2023 | 27.05% |
| Dec 31, 2022 | 22.34% |
| Sep 30, 2022 | 24.17% |
| Jun 30, 2022 | 26.39% |
| Mar 31, 2022 | 25.87% |
| Dec 31, 2021 | 22.98% |
| Sep 30, 2021 | 29.49% |
| Jun 30, 2021 | 30.64% |
| Mar 31, 2021 | 33.06% |