Fintech Companies Ranked by Operating Margin (FY2025, 3 companies)

3 companies · FY2025 results (earnings releases, consolidated)

GMO-PG ranks first for operating margin in the Fintech industry at 38.0%. The top three are GMO-PG (38.0%), Net Protections (11.3%) and Money Forward (-5.3%).

Across the 3 companies the average is 14.7% and the median 11.3%. Money Forward comes last at -5.3%, a gap of 43.3 percentage points to the leader.

One company posted an operating loss: Money Forward.

Share prices, forecasts and results for Fintech Industry

Fintech Industry TOP3

1
GMO-PGFintech Industry38.0%
2
Net ProtectionsFintech Industry11.3%
3
Money ForwardFintech Industry-5.3%

Companies: 3
Average: 14.7%
Median: 11.3%
All-industry average: 11.1%3.6pt difference
Above average: 1of 3

Operating margin ranking: Fintech Industry

3 companies

RankCompanyAverage 14.7%Operating marginRevenueShares 1Y

1
GMO-PG376938.0%38.0%¥82.5B+1.6%
2
Net Protections738311.3%11.3%¥25.2B−55.4%
3
Money Forward3994-5.3%-5.3%¥50.4B+52.3%

Shares 1Y is a closing-price reference (vs. about a year earlier).

Financials and pay compared

The same companies on other measures

Rank	Company	Operating margin	Average salary	Revenue	Operating profit
1	GMO-PG3769	38.0%	¥11.0M	¥82.5B	¥31.3B
2	Net Protections7383	11.3%	-	¥25.2B	¥2.8B
3	Money Forward3994	-5.3%	¥7.23M	¥50.4B	¥-2.7B

Revenue and operating profit are from the latest full-year consolidated results. Average salary is for the reporting entity per its annual securities report; pure holding companies with fewer than 50 staff are excluded.