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
DateValue
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%