Last 39 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
FinVolution Group's quarterly P/E stands at 0.8x, up 21.8% year-over-year — indicating the stock has re-rated higher or earnings have softened.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 3.85 | 0.80 | 0.85 | 0.84 | 0.65 | 0.66 | 0.58 | 0.65 | 0.64 | 0.61 | 0.59 | 0.43 | 0.65 |
| — | +21.8% | +45.5% | +30.7% | +1.3% | +8.3% | -1.4% | +48.8% | -1.2% | +16.4% | -0.7% | -21.2% | +16.5% | |
| P/S Ratio | 1.51 | 0.14 | 0.18 | 0.18 | 0.13 | 0.12 | 0.10 | 0.11 | 0.10 | 0.11 | 0.11 | 0.10 | 0.12 |
| — | +14.7% | +74.5% | +70.5% | +25.2% | +15.6% | -5.7% | +8.7% | -13.0% | +2.1% | -18.7% | -17.9% | -21.4% | |
| P/B Ratio | 0.59 | 0.12 | 0.16 | 0.16 | 0.11 | 0.11 | 0.09 | 0.10 | 0.10 | 0.10 | 0.10 | 0.09 | 0.12 |
| — | +8.7% | +75.5% | +64.0% | +17.8% | +7.8% | -11.4% | +3.2% | -16.1% | -2.6% | -18.4% | -12.3% | -15.8% | |
| P/FCF | 6.89 | 0.57 | 72.68 | 1.24 | 3.47 | 0.26 | 0.33 | 1.62 | — | 1.93 | 0.65 | 0.45 | 1.44 |
| — | +120.9% | +21947.9% | -23.6% | — | -86.6% | -49.0% | +263.3% | — | +100.7% | — | — | -35.5% | |
| EV / EBITDA | 5.76 | -0.38 | -0.48 | -0.78 | -0.91 | -1.54 | -1.97 | -1.86 | -1.75 | -1.88 | -1.41 | -1.24 | -0.81 |
| — | +75.6% | +75.7% | +58.3% | +48.0% | +18.3% | -39.1% | -50.2% | -115.1% | -213.8% | -31.8% | -19.1% | +41.7% | |
| EV / EBIT | 5.96 | -0.38 | -0.48 | -0.80 | -0.91 | -1.54 | -1.97 | -1.92 | -1.75 | -1.88 | -1.41 | -1.25 | -0.82 |
| — | +75.6% | +75.7% | +58.5% | +48.0% | +18.3% | -39.1% | -53.5% | -113.0% | -209.4% | -30.0% | -20.1% | +41.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
FinVolution Group's operating margin was 21.0% in Q3 2025, down 1.8 pp QoQ and up 3.9 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 23.0% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 4.1% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 79.3% | 78.3% | 81.1% | 82.2% | 78.9% | 81.6% | 73.8% | 83.0% | 81.2% | 83.7% | 83.2% | 83.2% | 83.1% |
| — | -4.1% | +10.0% | -0.9% | -2.8% | -2.6% | -11.4% | -0.3% | -2.3% | +0.5% | +3.9% | +4.4% | +5.2% | |
| Operating Margin | 19.4% | 21.0% | 22.8% | 25.4% | 22.8% | 17.1% | 17.6% | 19.9% | 15.6% | 17.3% | 18.7% | 24.3% | 20.2% |
| — | +22.8% | +29.3% | +27.8% | +45.7% | -1.2% | -5.8% | -18.4% | -22.6% | -22.1% | -24.0% | +2.3% | -5.4% | |
| Net Margin | 18.2% | 17.9% | 20.9% | 21.4% | 19.7% | 19.0% | 17.4% | 16.7% | 16.0% | 17.7% | 18.0% | 22.8% | 18.1% |
| — | -5.9% | +20.0% | +28.6% | +23.0% | +7.5% | -3.5% | -26.9% | -11.5% | -12.2% | -17.3% | +4.4% | -32.5% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 16.2% | 3.8% | 4.7% | 4.8% | 4.5% | 4.3% | 3.9% | 3.8% | 3.8% | 4.2% | 4.3% | 5.5% | 4.5% |
| — | -10.8% | +19.6% | +24.9% | +16.9% | +0.4% | -9.2% | -31.3% | -15.2% | -17.0% | -17.6% | +11.8% | -28.7% | |
| ROA | 10.6% | 2.4% | 3.0% | 3.1% | 2.9% | 2.8% | 2.5% | 2.5% | 2.4% | 2.6% | 2.6% | 3.3% | 2.6% |
| — | -13.8% | +17.3% | +25.7% | +21.8% | +8.2% | -1.3% | -24.1% | -7.5% | -12.7% | -13.5% | +14.4% | -31.6% | |
| ROIC | 12.9% | 3.1% | 3.7% | 4.2% | 3.9% | 2.9% | 3.0% | 3.4% | 2.8% | 3.1% | 3.3% | 4.4% | 3.7% |
| — | +9.0% | +24.6% | +24.1% | +39.2% | -6.8% | -10.4% | -22.5% | -25.3% | -26.6% | -25.1% | +8.3% | -1.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
FinVolution Group's Debt/EBITDA ratio is 1.6x, up from 1.3x last quarter — comfortably within a safe range.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.00 | 0.07 | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| — | +3169.7% | +2685.2% | +33.0% | -26.4% | -82.2% | -79.2% | -79.9% | -78.9% | -23.4% | +525.5% | +430.1% | +356.6% | |
| Debt / EBITDA | 0.01 | 1.57 | 1.31 | 0.07 | 0.04 | 0.06 | 0.07 | 0.06 | 0.08 | 0.29 | 0.28 | 0.24 | 0.28 |
| — | +2709.0% | +1917.6% | +8.6% | -46.3% | -80.6% | -76.5% | -74.5% | -71.4% | +4.5% | +732.0% | +381.4% | +346.1% | |
| Current Ratio | 4.31 | 4.14 | 4.14 | 3.64 | 4.31 | 4.00 | 3.81 | 7.54 | 4.97 | 4.29 | 4.31 | 4.06 | 3.83 |
| — | +3.4% | +8.5% | -51.7% | -13.3% | -6.7% | -11.6% | +86.0% | +29.7% | +38.9% | +37.9% | +38.3% | -6.4% | |
| Quick Ratio | 4.31 | 4.14 | 4.14 | 3.64 | 4.31 | 4.00 | 3.81 | 7.54 | 4.97 | 4.29 | 4.31 | 4.06 | 3.83 |
| — | +3.4% | +8.5% | -51.7% | -13.3% | -6.7% | -11.6% | +86.0% | +29.7% | +38.9% | +37.9% | +38.3% | -6.4% | |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — | — | 4.22 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 39 years · Updated daily
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FinVolution Group's current P/E is 3.8x. 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 19.4%. 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.