FinVolution (FVGPY) Net Margin (2016 - 2025)
FinVolution (FVGPY) recorded quarterly Net Margin of 19.56% in Q4 2025, down 24.85% quarter-over-quarter from 26.02% in Q3 2025, and down 784.0% on a YoY basis from 2.86% in Q4 2024.
FinVolution (FVGPY) Net Margin (2016 - 2025) Analysis & Trends
FinVolution's Net Margin history runs 10 years deep, the most recent figure standing at 19.56% for Q4 2025.
- In Q4 2025, Net Margin fell 784.0% year-over-year to 19.56%; the TTM figure through Dec 2025 stood at 18.73% (down 188.0% YoY), while the FY2025 annual figure was 18.36%, down 18.0% from the prior year.
- Net Margin was 19.56% for Q4 2025 at FinVolution, down from 26.02% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 38.06% in Q1 2021 to a low of 1.91% in Q1 2025.
- Historically, Net Margin has averaged 24.97% across 5 years, with a median of 26.23% in 2022.
- The sharpest annual moves came in 2021 and 2024: Net Margin soared 963 bps in 2021, then sank 2546 bps in 2024.
- A 5-year view of Net Margin shows it stood at 19.42% in 2021, then surged by 36 bps to 26.44% in 2022, then slipped by 26 bps to 19.6% in 2023, then jumped by 40 bps to 27.4% in 2024, then retreated by 29 bps to 19.56% in 2025.
- The last three Net Margin figures came in at 19.56% (Q4 2025), 26.02% (Q3 2025), and 30.69% (Q2 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 53.62% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 46.23% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 15.71% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 13.66% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 13.32% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 16.44% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 30.76% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 15.15% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 13.84% |
| 10 | FinVolution | - | - | 311.24 Mn | 19.56% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 19.56% |
| Sep 30, 2025 | 26.02% |
| Jun 30, 2025 | 30.69% |
| Mar 31, 2025 | -1.91% |
| Dec 31, 2024 | 27.40% |
| Sep 30, 2024 | 25.93% |
| Jun 30, 2024 | 22.22% |
| Mar 31, 2024 | 6.02% |
| Dec 31, 2023 | 19.60% |
| Sep 30, 2023 | 24.63% |
| Jun 30, 2023 | 26.03% |
| Mar 31, 2023 | 31.48% |
| Dec 31, 2022 | 26.44% |
| Sep 30, 2022 | 27.97% |
| Jun 30, 2022 | 30.83% |
| Mar 31, 2022 | 29.90% |
| Dec 31, 2021 | 19.42% |
| Sep 30, 2021 | 33.93% |
| Jun 30, 2021 | 35.23% |
| Mar 31, 2021 | 38.06% |