FinVolution (FVGPY) FCF Margin (2016 - 2025)
FinVolution (FVGPY) recorded quarterly FCF Margin of 15.37% in Q4 2025, down 38.18% quarter-over-quarter from 24.87% in Q3 2025, and up 671.0% on a YoY basis from 1.99% in Q4 2024.
FinVolution (FVGPY) FCF Margin (2016 - 2025) Analysis & Trends
FinVolution's FCF Margin history runs 10 years deep, the most recent figure standing at 15.37% for Q4 2025.
- In Q4 2025, FCF Margin rose 671.0% year-over-year to 15.37%; the TTM figure through Dec 2025 stood at 13.75% (down 730.0% YoY), while the FY2025 annual figure was 12.79%, down 914.0% from the prior year.
- FCF Margin was 15.37% for Q4 2025 at FinVolution, down from 24.87% in the prior quarter.
- In the past five years, FCF Margin ranged from a high of 38.32% in Q3 2024 to a low of 12.13% in Q2 2022.
- Historically, FCF Margin has averaged 11.3% across 5 years, with a median of 9.41% in 2021.
- Biggest YoY gain for FCF Margin was 4157 bps in 2021; the steepest drop was 6407 bps in 2021.
- A 5-year view of FCF Margin shows it stood at 8.95% in 2021, then gained by 10 bps to 9.88% in 2022, then sank by 82 bps to 1.74% in 2023, then jumped by 397 bps to 8.66% in 2024, then surged by 77 bps to 15.37% in 2025.
- The last three FCF Margin figures came in at 15.37% (Q4 2025), 24.87% (Q3 2025), and 0.24% (Q2 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 23.37% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 33.56% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 14.04% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 35.91% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 10.81% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 45.78% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 6,779.64% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | -216.52% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 65.22% |
| 10 | FinVolution | - | - | 311.24 Mn | 15.37% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 15.37% |
| Sep 30, 2025 | 24.87% |
| Jun 30, 2025 | 0.24% |
| Mar 31, 2025 | 15.01% |
| Dec 31, 2024 | 8.66% |
| Sep 30, 2024 | 38.32% |
| Jun 30, 2024 | 30.99% |
| Mar 31, 2024 | 6.14% |
| Dec 31, 2023 | 1.74% |
| Sep 30, 2023 | 5.63% |
| Jun 30, 2023 | 16.47% |
| Mar 31, 2023 | 22.04% |
| Dec 31, 2022 | 9.88% |
| Sep 30, 2022 | 10.97% |
| Jun 30, 2022 | -12.13% |
| Mar 31, 2022 | -1.44% |
| Dec 31, 2021 | 8.95% |
| Sep 30, 2021 | 5.42% |
| Jun 30, 2021 | 5.01% |
| Mar 31, 2021 | 13.87% |