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| Date | Value |
|---|---|
| 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% |