Last 40 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 2.29 | 0.82 | 0.80 | 0.85 | 0.84 | 0.65 | 0.66 | 0.58 | 0.65 | 0.64 | 0.61 | 0.59 | 0.43 | 0.65 | 0.52 | 0.59 | 0.55 | 0.56 | 0.66 | 1.13 | 0.88 |
| — | +25.2% | +21.8% | +45.5% | +30.7% | +1.3% | +8.3% | -1.4% | +48.8% | -1.2% | +16.4% | -0.7% | -21.2% | +16.5% | -20.4% | -47.6% | -37.1% | +42.7% | +192.3% | +275.7% | +165.8% | |
| P/S Ratio | 0.40 | 0.12 | 0.14 | 0.18 | 0.18 | 0.13 | 0.12 | 0.10 | 0.11 | 0.10 | 0.11 | 0.11 | 0.10 | 0.12 | 0.11 | 0.13 | 0.12 | 0.15 | 0.17 | 0.30 | 0.24 |
| — | -9.0% | +14.7% | +74.5% | +70.5% | +25.2% | +15.6% | -5.7% | +8.7% | -17.2% | +2.1% | -18.7% | -17.9% | -17.5% | -36.3% | -55.9% | -51.1% | +44.2% | +119.8% | +290.4% | +276.7% | |
| P/B Ratio | 0.34 | 0.08 | 0.02 | 0.16 | 0.16 | 0.11 | 0.11 | 0.09 | 0.10 | 0.10 | 0.10 | 0.10 | 0.09 | 0.12 | 0.10 | 0.12 | 0.11 | 0.14 | 0.17 | 0.30 | 0.24 |
| — | -27.6% | -84.7% | +75.5% | +64.0% | +17.8% | +7.8% | -11.4% | +3.2% | -16.1% | -2.6% | -18.4% | -12.3% | -15.8% | -37.4% | -59.5% | -54.3% | +50.0% | +148.6% | +318.0% | +213.9% | |
| P/FCF | 3.00 | — | 0.57 | 72.68 | 1.24 | 3.47 | 0.26 | 0.33 | 1.62 | — | 1.93 | 0.65 | 0.45 | 1.44 | 0.96 | — | — | 2.24 | 3.05 | 5.93 | 1.77 |
| — | — | +120.9% | +21947.9% | -23.6% | — | -86.6% | -49.0% | +263.3% | — | +100.7% | — | — | -35.5% | -68.5% | — | — | +758.1% | +1689.4% | +5281.9% | — | |
| EV / EBITDA | 0.15 | -1.76 | -6.83 | -0.48 | -0.78 | -0.82 | -1.54 | -1.97 | -1.86 | -1.56 | -1.88 | -1.41 | -1.24 | -0.81 | -0.60 | -1.07 | -1.04 | -1.23 | -0.57 | 0.02 | -0.17 |
| — | -113.8% | -344.6% | +75.7% | +58.3% | +47.4% | +18.3% | -39.1% | -50.2% | -91.9% | -213.8% | -31.8% | -19.1% | +34.0% | -5.5% | -5159.5% | -504.9% | -87.3% | -330.8% | +104.8% | +76.3% | |
| EV / EBIT | 0.15 | -1.76 | -6.83 | -0.48 | -0.80 | -0.91 | -1.54 | -1.97 | -1.92 | -1.75 | -1.88 | -1.41 | -1.25 | -0.82 | -0.61 | -1.09 | -1.04 | -1.39 | -0.57 | 0.02 | -0.17 |
| — | -93.0% | -344.6% | +75.7% | +58.5% | +48.0% | +18.3% | -39.1% | -53.5% | -113.0% | -209.4% | -30.0% | -20.1% | +41.1% | -7.0% | -5231.3% | -504.9% | -82.5% | -330.8% | +104.8% | +76.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 78.6% | 72.0% | 78.3% | 81.1% | 82.2% | 78.9% | 81.6% | 73.8% | 83.0% | 81.2% | 83.7% | 83.2% | 83.2% | 83.1% | 83.3% | 80.1% | 79.7% | 79.0% | 81.8% | 80.9% | 80.5% |
| — | -8.8% | -4.1% | +10.0% | -0.9% | -2.8% | -2.6% | -11.4% | -0.3% | -2.3% | +0.5% | +3.9% | +4.4% | +5.2% | +1.9% | -1.0% | -1.0% | +5.4% | +0.9% | -4.8% | -8.7% | |
| Operating Margin | 21.8% | 16.0% | 21.0% | 22.8% | 25.4% | 22.8% | 17.1% | 17.6% | 19.9% | 15.6% | 17.3% | 18.7% | 24.3% | 20.2% | 22.2% | 24.6% | 23.8% | 21.4% | 28.9% | 29.6% | 31.0% |
| — | -30.0% | +22.8% | +29.3% | +27.8% | +45.7% | -1.2% | -5.8% | -18.4% | -22.6% | -22.1% | -24.0% | +2.3% | -5.4% | -23.2% | -16.7% | -23.4% | -33.5% | -24.8% | -5.7% | +43.4% | |
| Net Margin | 18.7% | 14.0% | 17.9% | 20.9% | 21.4% | 19.7% | 19.0% | 17.4% | 16.7% | 16.0% | 17.7% | 18.0% | 22.8% | 18.1% | 20.2% | 21.8% | 21.9% | 26.8% | 25.2% | 26.3% | 27.9% |
| — | -28.7% | -5.9% | +20.0% | +28.6% | +23.0% | +7.5% | -3.5% | -26.9% | -11.5% | -12.2% | -17.3% | +4.4% | -32.5% | -20.0% | -17.0% | -21.8% | +0.5% | -25.0% | +4.2% | +40.3% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 15.3% | 0.6% | 0.9% | 4.7% | 4.8% | 4.5% | 4.3% | 3.9% | 3.8% | 3.8% | 4.2% | 4.3% | 5.5% | 4.5% | 5.1% | 5.2% | 5.0% | 6.3% | 6.6% | 6.9% | 6.9% |
| — | -86.2% | -78.3% | +19.6% | +24.9% | +16.9% | +0.4% | -9.2% | -31.3% | -15.2% | -17.0% | -17.6% | +11.8% | -28.7% | -22.0% | -24.4% | -27.8% | +5.6% | -14.7% | +12.7% | +25.2% | |
| ROA | 10.1% | 0.4% | 0.6% | 3.0% | 3.1% | 2.9% | 2.8% | 2.5% | 2.5% | 2.4% | 2.6% | 2.6% | 3.3% | 2.6% | 3.0% | 3.0% | 2.8% | 3.8% | 4.0% | 4.2% | 4.0% |
| — | -86.6% | -79.0% | +17.3% | +25.7% | +21.8% | +8.2% | -1.3% | -24.1% | -7.5% | -12.7% | -13.5% | +14.4% | -31.6% | -27.0% | -28.4% | -28.1% | +16.2% | +1.3% | +40.9% | +61.9% | |
| ROIC | 12.8% | 0.5% | 0.8% | 3.7% | 4.2% | 3.9% | 2.9% | 3.0% | 3.4% | 2.8% | 3.1% | 3.3% | 4.4% | 3.7% | 4.2% | 4.4% | 4.0% | 3.8% | 5.6% | 5.8% | 5.7% |
| — | -87.3% | -73.5% | +24.6% | +24.1% | +39.2% | -6.8% | -10.4% | -22.5% | -25.3% | -26.6% | -25.1% | +8.3% | -1.3% | -25.5% | -23.9% | -29.1% | -29.2% | -12.4% | +5.3% | +32.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.08 | 0.08 | 0.07 | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| — | +3458.3% | +3169.7% | +2685.2% | +33.0% | -26.4% | -82.2% | -79.2% | -79.9% | -78.9% | -23.4% | +525.5% | +430.1% | +356.6% | +672.6% | -39.5% | -41.9% | -39.3% | -92.1% | -88.5% | -89.4% | |
| Debt / EBITDA | 0.45 | 2.67 | 11.16 | 1.31 | 0.07 | 0.04 | 0.06 | 0.07 | 0.06 | 0.07 | 0.29 | 0.28 | 0.24 | 0.28 | 0.28 | 0.03 | 0.05 | 0.06 | 0.03 | 0.04 | 0.06 |
| — | +6679.3% | +19900.0% | +1917.6% | +8.6% | -45.7% | -80.6% | -76.5% | -74.5% | -74.5% | +4.5% | +732.0% | +381.4% | +405.1% | +908.7% | -22.1% | -19.0% | -10.1% | -90.7% | -88.6% | -91.1% | |
| Current Ratio | 73.69 | 73.69 | 4.14 | 4.14 | 3.64 | 4.31 | 4.00 | 3.81 | 7.54 | 4.97 | 4.29 | 4.31 | 4.06 | 3.83 | 3.09 | 3.13 | 2.93 | 4.10 | 4.61 | 4.25 | 3.65 |
| — | +1609.5% | +3.4% | +8.5% | -51.7% | -13.3% | -6.7% | -11.6% | +86.0% | +29.7% | +38.9% | +37.9% | +38.3% | -6.4% | -33.1% | -26.5% | -19.6% | +17.2% | +73.5% | +59.2% | +71.9% | |
| Quick Ratio | 73.69 | 73.69 | 4.14 | 4.14 | 3.64 | 4.31 | 4.00 | 3.81 | 7.54 | 4.97 | 4.29 | 4.31 | 4.06 | 3.83 | 3.09 | 3.13 | 2.93 | 4.10 | 4.61 | 4.25 | 3.65 |
| — | +1609.5% | +3.4% | +8.5% | -51.7% | -13.3% | -6.7% | -11.6% | +86.0% | +29.7% | +38.9% | +37.9% | +38.3% | -6.4% | -33.1% | -26.5% | -19.6% | +17.2% | +73.5% | +59.2% | +71.9% | |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — | — | — | 4.22 | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 40 years · Updated daily
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Quick answers to the most common questions about buying FINV stock.
FinVolution Group's current P/E is 2.3x. The average P/E over the last 4 quarters is 0.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
FinVolution Group's current operating margin is 21.8%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking FinVolution Group's business trajectory between earnings reports.