FinVolution (FINV) Gross Margin (2016 - 2025)
FinVolution (FINV) posted quarterly Gross Margin of 71.98% for Q4 2025, down 881.0% year-over-year from 9.22% in Q4 2024, and down 7.54% quarter-over-quarter from 77.85% in Q3 2025.
FinVolution (FINV) Gross Margin (2016 - 2025) Analysis & Trends
FinVolution's Gross Margin history runs 10 years deep, the most recent figure standing at 71.98% for Q4 2025.
- In Q4 2025, Gross Margin fell 881.0% year-over-year to 71.98%; the TTM figure through Dec 2025 stood at 78.27% (down 314.0% YoY), while the FY2025 annual figure was 76.73%, down 504.0% from the prior year.
- Gross Margin for Q4 2025 stood at 71.98%, down from 77.85% in the prior quarter.
- The five-year high for Gross Margin was 86.67% in Q3 2022, with the low at 71.98% in Q4 2025.
- The 5-year median for Gross Margin is 81.6% (2021), against an average of 81.39%.
- The sharpest annual moves came in 2021 and 2022: Gross Margin plunged 899 bps in 2021, then jumped 487 bps in 2022.
- FinVolution's Gross Margin stood at 78.99% in 2021, then climbed by 5 bps to 83.07% in 2022, then retreated by 1 bps to 82.53% in 2023, then retreated by 2 bps to 80.79% in 2024, then retreated by 11 bps to 71.98% in 2025.
- Business Quant data shows FINV's Gross Margin at 71.98% in Q4 2025, 77.85% in Q3 2025, and 80.37% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | - |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | - |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 91.60% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | - |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | - |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | - |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | - |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -32.14% |
| 10 | FinVolution | 6.07 Bn | 5.64 Bn | 311.24 Mn | 71.98% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 71.98% |
| Sep 30, 2025 | 77.85% |
| Jun 30, 2025 | 80.37% |
| Mar 31, 2025 | 82.18% |
| Dec 31, 2024 | 80.79% |
| Sep 30, 2024 | 79.89% |
| Jun 30, 2024 | 82.16% |
| Mar 31, 2024 | 82.95% |
| Dec 31, 2023 | 82.53% |
| Sep 30, 2023 | 84.46% |
| Jun 30, 2023 | 86.16% |
| Mar 31, 2023 | 83.52% |
| Dec 31, 2022 | 83.07% |
| Sep 30, 2022 | 86.67% |
| Jun 30, 2022 | 81.39% |
| Mar 31, 2022 | 79.66% |
| Dec 31, 2021 | 78.99% |
| Sep 30, 2021 | 81.80% |
| Jun 30, 2021 | 80.92% |
| Mar 31, 2021 | 80.45% |