FinVolution Reports Q2 2026 Results, Reaffirms Full-Year Guidance

FinVolution Group posted a mixed Q2 2026 performance, with net profit shrinking year over year while revenue trends showed resilience in overseas markets. In US-dollar terms, quarterly net profit fell to RMB426.8 million (US$62.9 million), and adjusted EPS stood at US$0.29, even as total net revenue edged higher to US$501.6 million, helped by stronger overseas activity. The overseas segment delivered notable growth, with revenue up 18% year over year to RMB930.3 million (about 27.3% of total), and operating profit more than doubling as the company benefits from its dual-engine model; cumulative registered users reached 61.4 million and unique borrowers 5.3 million. In Mainland China, transaction volume declined 19.3% to RMB41.0 billion and outstanding loan balance fell 13.3%, though asset quality remained stable with a 90+ day delinquency rate of 2.10%. Net revenue for the quarter was RMB2,396.7 million, and U.S. GAAP operating profit was RMB624.8 million, with non-GAAP adjusted EBITDA at RMB641.9 million, reflecting a diversified earnings profile. FinVolution reaffirmed its full-year revenue guidance of US$1.6–1.8 billion as it navigates mixed domestic conditions and expanding international operations.