FinVolution (FINV) Operating Margin (2016 - 2025)
FinVolution (FINV) posted quarterly Operating Margin of 15.96% for Q4 2025, down 683.0% year-over-year from 2.74% in Q4 2024, and down 23.97% quarter-over-quarter from 20.99% in Q3 2025.
FinVolution (FINV) Operating Margin (2016 - 2025) Analysis & Trends
FinVolution's Operating Margin history runs 10 years deep, the most recent figure standing at 15.96% for Q4 2025.
- In Q4 2025, Operating Margin fell 683.0% year-over-year to 15.96%; the TTM figure through Dec 2025 stood at 21.43% (up 205.0% YoY), while the FY2025 annual figure was 21.47%, up 207.0% from the prior year.
- Operating Margin for Q4 2025 stood at 15.96%, down from 20.99% in the prior quarter.
- The five-year high for Operating Margin was 31.03% in Q1 2021, with the low at 15.91% in Q4 2023.
- The 5-year median for Operating Margin is 21.8% (2021), against an average of 22.02%.
- Peak annual rise in Operating Margin reached 902 bps in 2021, while the deepest fall reached 1076 bps in 2021.
- FinVolution's Operating Margin stood at 21.38% in 2021, then fell by 5 bps to 20.22% in 2022, then slipped by 21 bps to 15.91% in 2023, then surged by 43 bps to 22.79% in 2024, then fell by 30 bps to 15.96% in 2025.
- Business Quant data shows FINV's Operating Margin at 15.96% in Q4 2025, 20.99% in Q3 2025, and 22.79% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 59.12% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 60.22% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 17.85% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | - |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 16.44% |
| 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 | - | 8.51% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -720.86% |
| 10 | FinVolution | 6.07 Bn | 5.64 Bn | 311.24 Mn | 15.96% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 15.96% |
| Sep 30, 2025 | 20.99% |
| Jun 30, 2025 | 22.79% |
| Mar 31, 2025 | 25.37% |
| Dec 31, 2024 | 22.79% |
| Sep 30, 2024 | 17.10% |
| Jun 30, 2024 | 17.63% |
| Mar 31, 2024 | 19.86% |
| Dec 31, 2023 | 15.91% |
| Sep 30, 2023 | 17.31% |
| 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 | 29.56% |
| Mar 31, 2021 | 31.03% |