FinVolution (FVGPY) FCF Margin (2016 - 2025)
FinVolution (FVGPY) posted quarterly FCF Margin of 15.37% for Q4 2025, up 671.0% year-over-year from 1.99% in Q4 2024, and down 38.18% on a QoQ basis from 24.87% in Q3 2025.
FinVolution (FVGPY) FCF Margin (2016 - 2025) Analysis & Trends
FinVolution (FVGPY) has reported FCF Margin for 10 consecutive years, with 15.37% the latest figure, recorded in 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 983.0% YoY), while the FY2025 annual figure was 12.79%, down 914.0% from the prior year.
- FCF Margin came in at 15.37% for Q4 2025 at FinVolution, down from 24.87% in the prior quarter.
- The five-year high for FCF Margin was 48.17% in Q3 2024, with the low at 12.32% in Q2 2022.
- Average FCF Margin over 5 years is 11.81%, with a median of 9.41% recorded in 2021.
- Across the five-year window, FCF Margin sank 6407 bps in 2021 and surged 4259 bps in 2024, its largest moves.
- Year by year, FCF Margin stood at 8.95% in 2021, then grew by 10 bps to 9.88% in 2022, then slumped 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.
- According to Business Quant data, FCF Margin over the past three periods registered 15.37%, 24.87%, and 0.24% for Q4 2025, Q3 2025, and Q2 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 23.37% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 33.56% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 14.04% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 10.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 6,779.64% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | -216.52% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 65.22% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 46.37% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.37% |
| 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 | 48.17% |
| Jun 30, 2024 | 30.47% |
| Mar 31, 2024 | 6.14% |
| Dec 31, 2023 | 1.74% |
| Sep 30, 2023 | 5.63% |
| Jun 30, 2023 | 16.47% |
| Mar 31, 2023 | 22.12% |
| Dec 31, 2022 | 9.88% |
| Sep 30, 2022 | 10.97% |
| Jun 30, 2022 | -12.32% |
| 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% |