FinVolution Group (FINV) Form 6-K — Aug 28, 2026
FinVolution Group reported second quarter 2026 net revenue of RMB3,403.2 million (US$501.6 million), down from RMB3,578.0 million a year earlier, with net profit falling 43% YoY to RMB426.8 million (US$62.9 million) from RMB751.3 million and diluted EPS per ADS of RMB1.80 (US$0.26) versus RMB2.82. Sequentially the picture improved, with net revenue up 6% and net profit up 1% quarter over quarter as the company recovers from risk mitigation actions taken in the second half of 2025; the China 90 day+ delinquency ratio stood at 2.10% as of June 30, 2026.
Key figures
- Eps
- RMB1.80 (US$0.26) diluted net profit per ADS; RMB0.36 (US$0.05) per share
- Revenue
- RMB3,403.2 million (US$501.6 million) for Q2 2026
- Guidance
- Full-year 2026 total revenue reiterated at approximately RMB11.5 billion to RMB12.9 billion
- Net Income
- RMB426.8 million (US$62.9 million), down from RMB751.3 million in Q2 2025
- Revenue Yoy
- -4.9% (vs. RMB3,578.0 million in Q2 2025)
- Total Assets
- RMB26,073.2 million (US$3,842.7 million) as of June 30, 2026
- Cash Position
- RMB3,259.4 million (US$480.4 million) cash and equivalents plus RMB3,162.0 million (US$466.0 million) short-term investments (~RMB6.4 billion combined)
- Fx Rate
- RMB6.7851 to US$1.00
- China Revenue
- RMB2,396.7 million (US$353.2 million)
- Leverage Ratio
- 2.1x, described as around historic lows
- Operating Margin
- 15.6% vs. 22.8% a year ago
- Operating Profit
- RMB529.2 million (US$78.0 million) vs. RMB815.5 million Q2 2025
- Overseas Revenue
- RMB930.3 million (US$137.1 million), +18.0% YoY, 27.3% of total revenue
- Delinquency90 Day
- 2.10% as of June 30, 2026
- Q2 Share Repurchase
- US$27.4 million
- Net Profit Yo YChange
- -43.2% YoY (computed from stated figures)
- Q2 Operating Cash Flow
- RMB-390.0 million used in operations
- China Unique Borrowers
- 1.8 million, -18.2% YoY
- Intangible Impairment
- RMB63.8 million (micro-lending licenses)
- Non GAAPAdjusted EBITDA
- RMB591.2 million total; China RMB641.9 million; overseas RMB55.3 million
- China Transaction Volume
- RMB41.0 billion, -19.3% YoY
- H1 2026 Share Repurchase
- US$66.8 million
- Outstanding Loan Balance
- RMB67.9 billion, -12.4% YoY
- Total Transaction Volume
- RMB44.8 billion, -17.0% YoY
- Overseas Operating Profit
- RMB53.6 million (US$7.9 million), more than doubled YoY
- Overseas Unique Borrowers
- 5.3 million, +130.4% YoY
- Cumulative Registered Users
- 254.2 million (192.8 million China; 61.4 million overseas, +43.5% YoY)
- Overseas Transaction Volume
- RMB3.8 billion, +18.8% YoY
- Cumulative Buyback Since2018
- US$544.1 million
- Credit Losses Quality Assurance Commitment
- RMB1,108.8 million vs. RMB987.1 million Q2 2025
AI analysis
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