FinVolution (FVGPY) EBT Margin (2016 - 2025)
FinVolution (FVGPY) recorded quarterly EBT Margin of 16.65% in Q4 2025, down 25.24% quarter-over-quarter from 22.27% in Q3 2025, and down 690.0% on a YoY basis from 2.82% in Q4 2024.
FinVolution (FVGPY) 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 was 16.65% for Q4 2025 at FinVolution, down from 22.27% in the prior quarter.
- In the past five years, EBT Margin ranged from a high of 33.06% in Q1 2021 to a low of 16.65% in Q4 2025.
- Historically, EBT Margin has averaged 24.06% across 5 years, with a median of 23.26% in 2021.
- Biggest YoY gain for EBT Margin was 886 bps in 2021; the steepest drop was 1040 bps in 2021.
- A 5-year view of EBT Margin shows it stood at 22.98% in 2021, then decreased by 3 bps to 22.34% in 2022, then declined by 19 bps to 18.0% in 2023, then jumped by 31 bps to 23.54% in 2024, then fell by 29 bps to 16.65% in 2025.
- The last three EBT Margin figures came in at 16.65% (Q4 2025), 22.27% (Q3 2025), and 25.99% (Q2 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 63.88% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 57.30% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 19.98% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 17.72% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 16.68% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 21.96% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 32.10% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 18.14% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 19.03% |
| 10 | FinVolution | - | - | 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% |