EarningsQ2 2026 Earnings Report
DE:PP3 Q2 2026 EPS Results
Actual EPS€0.23
Consensus EPS―
Beat/Miss―
One Year Ago EPS€0.36
DE:PP3 Q2 2026 Revenue Results
Actual Revenue€431.51M
Expected Revenue―
Beat/Miss―
YoY Revenue Growth+1.07%
Earnings Announcement Details
QuarterQ2 2026
Date08/27/2026
TimeAfter Close
Conference CallThursday, August 27, 2026
DE:PP3 Upcoming Earnings
FinVolution Group's next earnings date is estimated for November 23, 2026, based on past reporting schedules.
Q2 2026 Earnings Call Audio
DE:PP3 Q2 2026 Earnings Call
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Q2 2026 Earnings Slide Deck
Q2 2026 Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presents a mixed picture: solid sequential revenue and volume growth, strong and accelerating overseas performance, healthy liquidity and continued shareholder returns are clear positives. However, a July industry credit event caused a sharp near‑term pullback in China origination (management cited ~50% decline in July), funding costs are rising (≈30 bps in Q2 and another ≈30 bps in July), early risk indicators have deteriorated (~20% versus Q2), and collection regulatory action reduced recovery efficiency. Management is prioritizing funding stability and quality over near‑term growth and expects H2 to be softer, indicating balanced caution between growth and risk management.Company Guidance
Group Revenue and Volume Growth
Group loan volume rose 5% sequentially to RMB 45 billion and net revenue increased 6% sequentially to RMB 3.4 billion in Q2 2026.
Net Income and Operating Profit Resilience
Net income was RMB 427 million, up 1% sequentially. Operating profit was RMB 529 million (which included a one-off intangible impairment of RMB 64 million); excluding that impairment, operating profit rose 8% sequentially.
Strong Overseas Momentum
Overseas volume rose 19% year‑over‑year and overseas revenue reached RMB 930 million, up 18% YoY. Overseas operating profit was RMB 54 million, up 17% sequentially; overseas now accounts for ~27% of group revenue.
User and Borrower Growth Abroad
Unique overseas borrowers more than doubled year‑over‑year to 5.3 million. The company added 2.2 million new borrowers in the quarter (up 29% sequentially). Australia unique borrowers grew 22% QoQ and Australia volume showed very strong sequential expansion (management referenced ~70% sequential increase in volume).
China Recovery Indicators
China loan volume was RMB 41 billion, up 6.5% quarter‑over‑quarter. C‑M2 (an asset quality metric) improved from 0.68% to 0.56%. Vintage credit cost on new loans remained steady at roughly 2.7%. Day‑1 delinquency ticked slightly from 5.2% to 5.3%, while 30‑day collection rate improved from 87% to 89%.
Liquidity and Balance Sheet Strength
Cash and short‑term investments were RMB 6.4 billion at quarter end and subsequently cited at RMB 7.5 billion plus ~RMB 5 billion in highly liquid assets — ~RMB 12.5 billion aggregate. Leverage was 2.1x, near historical lows, providing flexibility amid funding volatility.
Operational and ESG Progress
Published 8th annual ESG report; implemented 60 antifraud system upgrades, flagged >9,000 suspicious activities per day, blocked >17,000 fraud attempts, and launched 'Golden Sentinel' consumer protection system that resolves 74.5% of cases on first contact with 98.5% customer satisfaction.
Capital Return Activity
Share buybacks continued: repurchased USD 27.4 million of shares in Q2 and USD 66.8 million in the first half of 2026, with management retaining buyback flexibility tied to market conditions.
DE:PP3 Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed