Finvolution Group (FINV)
NYSE:FINV
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Earnings Data
Report Date
Aug 24, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
0.42Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a largely constructive operational picture: resilient group volumes, sequential revenue and operating profit growth, strong and profitable overseas expansion (high double‑digit YoY growth in overseas revenue and EBITDA), tangible tech/AI efficiency gains, expanded funding relationships, and continued shareholder returns (dividend increase and active buybacks). Near‑term headwinds include regulatory uncertainty (marketing and platform referral rules), FX impact on net income, some margin flow‑through decline, and seasonal softness/managed moderation in specific overseas markets. On balance the positive growth and profitable scaling of the overseas engine, improving China credit metrics, and technology compounding advantages outweigh the near‑term risks and uncertainties cited.Company Guidance
Stable Transaction Volume and Sequential Revenue Growth
Group transaction volume remained resilient at RMB 42.6 billion (Q1), roughly flat sequentially. Group net revenue was RMB 3.2 billion, up 6% quarter‑over‑quarter.
Improved Profitability
Operating profit rose 13% sequentially to RMB 547 million; net income was RMB 421 million, up 1% sequentially (FX headwinds noted).
Overseas Business Scaling Profitably
Overseas revenue reached RMB 949 million, up 35% year‑over‑year; overseas operating profit/adjusted EBITDA ~RMB 46–47.5 million, up ~87–88% YoY. Overseas now contributes ~30% of group revenue and is disclosed as a separate reportable segment for the first time.
Strong Overseas Loan Growth and Borrower Expansion
Across overseas markets year‑over‑year loan volume rose ~35% and loan balances ~38%; unique borrower counts increased materially (CEO: overseas unique borrowers more than doubled to ~2.45M; CFO: Indonesia unique borrowers reached ~3.2M, ~5x YoY in that market).
China Credit Metrics Improving
China loan origination/transaction volume held at RMB 38.5 billion (flat q/q). China net revenue was RMB 2.2 billion, up 7% q/q. Vintage delinquency eased from 3.0% to 2.7% (‑30 bps); Day‑1 delinquency improved from 5.5% to 5.2%; 30‑day collection rate rose from 85.9% to 86.8%.
Customer Acquisition Efficiency
China added roughly 600,000 new borrowers in the quarter, up 7% sequentially, achieved with reduced sales and marketing spend and lower customer acquisition costs.
Technology and AI Driving Operational Efficiency
Company is deploying ~120 active tech/AI initiatives with >50% embedded in frontline operations; AI collection agents handle ~50% of early‑stage collections at recovery efficiency comparable to historical benchmarks, contributing to risk detection and operating efficiency gains.
Shareholder Returns and Capital Actions
Board approved eighth annual dividend of US$0.306 per ADS (DPS +10.5% YoY); total dividend distributions reported US$74.5 million for fiscal year; share repurchases: US$39 million in Q4 2025, US$39 million in Q1 2026 + US$15 million by end‑April (total ~US$54 million YTD) and a new US$150 million buyback program approved.
Funding Partnerships Expanding
Funding partners expanded from 5 in 2024 to 18 currently, and a prominent international bank was recently added in the Philippines, supporting diversified funding and improving funding economics.
Reiterated FY2026 Guidance and Strategic Target
Full‑year 2026 revenue guidance reiterated at RMB 11.0 billion–RMB 12.9 billion. Management remains on track toward its long‑term target of ~50% group revenue from overseas markets (currently ~30%).
FINV 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
FINV Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 16, 2026 | $5.18 | $5.83 | +12.58% |
Nov 19, 2025 | $5.23 | $4.50 | -13.90% |
Aug 20, 2025 | $8.17 | $8.62 | +5.55% |
May 20, 2025 | $8.15 | $8.11 | -0.45% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Finvolution Group (FINV) report earnings?
Finvolution Group (FINV) is schdueled to report earning on Aug 24, 2026, Before Open (Confirmed).
What is Finvolution Group (FINV) earnings time?
Finvolution Group (FINV) earnings time is at Aug 24, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is FINV EPS forecast?
Currently, no data Available