FinVolution (FVGPY) Operating Margin (2016 - 2025)

FinVolution (FVGPY) posted quarterly Operating Margin of 15.96% for Q4 2025, down 683.0% year-over-year from 2.74% in Q4 2024, and down 23.97% on a QoQ basis from 20.99% in Q3 2025.

FinVolution (FVGPY) Operating Margin (2016 - 2025) Analysis & Trends

FinVolution (FVGPY) has reported Operating Margin for 10 consecutive years, with 15.96% the latest figure, recorded in Q4 2025.

  • In Q4 2025, Operating Margin fell 683.0% year-over-year to 15.96%; the TTM figure through Dec 2025 stood at 21.43% (up 205.0% YoY), while the FY2025 annual figure was 21.47%, up 207.0% from the prior year.
  • Operating Margin came in at 15.96% for Q4 2025 at FinVolution, down from 20.99% in the prior quarter.
  • The five-year high for Operating Margin was 31.03% in Q1 2021, with the low at 15.91% in Q4 2023.
  • Average Operating Margin over 5 years is 22.02%, with a median of 21.8% recorded in 2021.
  • The largest YoY upside for Operating Margin was 902 bps in 2021 against a maximum downside of 1076 bps in 2021.
  • Year by year, Operating Margin stood at 21.38% in 2021, then dropped by 5 bps to 20.22% in 2022, then retreated by 21 bps to 15.91% in 2023, then soared by 43 bps to 22.79% in 2024, then dropped by 30 bps to 15.96% in 2025.
  • According to Business Quant data, Operating Margin over the past three periods registered 15.96%, 20.99%, and 22.79% for Q4 2025, Q3 2025, and Q2 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Operating Margin (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 64.42%
2 Mastercard 465.55 Bn 455.34 Bn - 58.43%
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 18.77%
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 17.81%
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 26.44%
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 3.39%
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 35.49%
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 24.11%
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 15.96%
10 FinVolution - - 311.24 Mn 15.96%

Historic Data

Download Data
DateValue
Dec 31, 2025 15.96%
Sep 30, 2025 20.99%
Jun 30, 2025 22.79%
Mar 31, 2025 25.37%
Dec 31, 2024 22.79%
Sep 30, 2024 17.10%
Jun 30, 2024 17.63%
Mar 31, 2024 19.86%
Dec 31, 2023 15.91%
Sep 30, 2023 17.31%
Jun 30, 2023 18.71%
Mar 31, 2023 24.33%
Dec 31, 2022 20.22%
Sep 30, 2022 22.21%
Jun 30, 2022 24.63%
Mar 31, 2022 23.79%
Dec 31, 2021 21.38%
Sep 30, 2021 28.90%
Jun 30, 2021 29.56%
Mar 31, 2021 31.03%