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FinVolution Group Investor Presentation August 2026
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Disclaimer This presentation has been prepared by FinVolution Group (the “Company”) pursuant to Section 5(d) of the U.S. Securities Act of 1933, as amended (the “Securities Act”) solely for informational purposes and is not an offer to buy or sell or a solicitation of an offer to buy or sell any security or instrument or to participate in any investment activity or trading strategy, nor may it or any part of it form the basis of or be relied on in connection with any contract or commitment whatsoever, in the United States or anywhere else. This presentation does not constitute legal, regulatory, accounting or tax advice to you, we recommend that you seek independent third party legal, regulatory, accounting and tax advice regarding the contents of this document. By viewing this presentation or participating in this meeting, you acknowledge and agree that (i) the information contained in this presentation is intended for the recipient of this information only and shall not be disclosed, reproduced or distributed in any way to anyone else, (ii) no part of this presentation or any other materials provided in connection herewith may be photographed, copied, retained, taken away, reproduced or redistributed following this presentation or meeting, and (iii) all participants must return this presentation and all other materials used during this presentation or meeting to the Company at the completion of the presentation or meeting. By viewing, accessing or participating in this meeting, you agree to be bound by the foregoing limitations. Any failure to comply with these restrictions may constitute a violation of applicable securities laws. The distribution of any information herein in other jurisdictions may be restricted by law and persons into whose possession this information comes should inform themselves about, and observe, any such restrictions. This presentation has been prepared solely for use at this meeting. The information herein is subject to change without notice and its accuracy is not guaranteed. Nothing contained in this presentation shall be relied upon as a promise or representation as to the past or future performance of the Company. Past performance does not guarantee or predict future performance. This presentation shall neither be deemed an indication of the state of affairs of the Company nor constitute an indication that there has been no change in the business affairs of the Company since the date hereof or since the dates as of which information is given herein. This presentation also does not contain all relevant information relating to the Company or its securities, particularly with respect to the risks and special considerations involved with an investment in the securities of the Company, and these materials are qualified in their entirety by reference to the detailed information appearing in the Company’s filings with the U.S. Securities and Exchange Commission. Certain of the information included herein was obtained from various sources, including third parties, and has not been independently verified by the Company or any underwriters. By viewing or accessing the information contained in this presentation, you hereby acknowledge and agree that neither the Company, nor any of the affiliates, advisers and representatives of the Company accept any responsibility for, or makes any representation or warranty, expressed or implied, with respect to, the truth, accuracy, fairness, completeness or reasonableness of the information contained in, and omissions from, this presentation and that neither the Company nor any of its affiliates, advisers, representatives accept any liability whatsoever for any loss howsoever arising from any information presented or contained in this presentation. Statistical and other information relating to the general economy and the industry in which the Company is engaged contained in this presentation material has been compiled from various publicly available official or unofficial sources. The Company or any of its affiliates, advisors or representatives has not independently verified market, industry and product testing data provided by other third-party sources. These data involve a number of assumptions and limitations, and you are cautioned not to give undue weight to such information and estimates. This presentation also contains non-GAAP financial measures (including non-GAAP adjusted operating profit, non-GAAP adjusted operating margin, and non-GAAP adjusted EBITDA), which are provided as additional information to help you compare business trends among different reporting periods on a consistent basis and to enhance your overall understanding of the historical and current financial performance of the Company’s operations. These non-GAAP financial measures should be considered in addition to results prepared in accordance with the U.S. GAAP, but should not be considered a substitute for or superior to the Company’s U.S. GAAP results. In addition, the Company’s calculation of these non-GAAP financial measures may be different from the calculation used by other companies, and therefore comparability may be limited. This presentation contains certain forward-looking statements, including statements related to industry developments and the Company’s future financial or business performance, strategies or expectations. These statements constitute “forward-looking” statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often include words such as “anticipates”, “estimates”, “expects”, “projects”, “intends”, “plans”, “believes” and words and terms of similar substance in connection with discussions of future performance. Such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ materially from those in the forward-looking statements as a result of various factors and assumptions, many of which are beyond the Company’s control. Neither the Company nor any of its affiliates, advisors, representatives has any obligation to, nor do any of them undertake to, revise or update the forward-looking statements contained in this presentation to reflect future events or circumstances. 2
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3 3 Better Finance , w ith Technology
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“LEGO+” Strategy : Local Excellence, Global Outlook One Platform, Multiple Markets. Cross-Market Platform Capability Licensing Experience Reputation & Trust Risk Underwriting Know-how Cross-Cultural Localization Capital 4) New Initiatives 4(1) This ranking reflects our position among independent online lenders across three key markets, excluding ecosystem-backed platforms. 3) Developed Market Leading 1) Chinese Mainland Top 3 (1) 2) Developing Market Top 2 Top 1 (1) (1)
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5 Building a Regional Platform Core Base Profitable Growth 2007 2018 Scale RMB 10.0 bn Avg. Revenue2021-2025 Mature Market High Potential Optionality Pipelines for Next Batch of Growth Exponential Upside AI Technology New Country Incubation 2025 Growth Markets Expanding Unique Users 38% CAGR2021-2025 Superior Volume Growth 39% CAGR2021-2025
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6 2Q26: Sequential Recovery and Rising Overseas Profit Contribution Operating Profit Transaction Volume Revenue Take Rate Cost Efficiency Drivers +8% QoQ1 Chinese Mainland +4% QoQ Overseas Markets +17% QoQ (1) Excluding the one-off goodwill impairment charge of RMB64 million. (2) All figures are as of June 30, 2026, unless otherwise noted. Product Expansion Funding Partnership Economies of Scale Credit Quality Expanding User Base Interest Rate AI Application
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7 ççc Overseas: Profitability On Track ~27% of group revenue from overseas segment in 2Q26 (1) “Non-GAAP Adjusted EBITDA” for our segment represents operating profit (loss) plus (a) depreciation and amortization expenses and (b) share-based compensation expenses. Strong EBITDA growth despite deliberate, temporary pullback in the Philippines 3.2 3.8 2Q25 3Q25 4Q25 1Q26 2Q26 Transaction Volume in Overseas Markets YoY +19% RMB 26.6M (2Q25) RMB 55.3M (2Q26) Adjusted EBITDA1 YoY +108% RMB/bn
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8 ççc Chinese Mainland: Recovery Amid Regulatory Transition Healthy risk condition promoted volume growth in Q2, notwithstanding a tightening funding environment entering Q3 50.8 47.6 38.7 38.5 41.0 2Q25 3Q25 4Q25 1Q26 2Q26 Transaction Volume in Chinese Mainland RMB/bn -6% QoQ -19% QoQ -1% QoQ +6% QoQ +6% QoQ growth in Transaction Volume in 2Q26
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9 ççc Multiple Pillars of Shareholder Value (1) Net cash position is defined, as of the period presented, as cash and cash equivalents plus short-term investments, minus short-term borrowings, long-term borrowings, and convertible senior notes. + + Net Cash1 ~US$720mn • Paid US$74.5mn of dividends and US$27.4mn of share buybacks in 2Q26 Overseas Markets US$30mn 2026 Overseas EBITDA on Track • Rapid, Scalable Growth Engine • 108% YoY adjusted EBITDA growth Regulatory Adaptation • Transaction volume +6% QoQ • Credit quality bottoming out from trough in 4Q25, despite potential headwind from regulatory adaptation Chinese Mainland
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10 Regional Digital Credit Platform Expanding Credit Access Across Region 02 Replicable Operating System 03 Validated Credit Expertise Technology Enabled Business Leadership with Track Record 06 Consistent Shareholder Return China Indonesia Philippines Australia
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11 Consumer Lending Made Simple Individual borrowers Small and micro business owners Commercial banks Internet banks Private banks Consumer finance companies Micro-loan companies Trust management companies … 46M Cumulative Borrowers 100+ Funding Partners in China and Overseas Connecting Borrowers Connecting Financial Institutions Simplicity: fully online process apply anywhere & anytime Accessible credit: funding for underserved financing needs Establish credit history Post-facilitation services Credit assessment Customer acquisition (1) All figures are as of June 30, 2026, unless otherwise noted.
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12 Expanding Digital Credit Franchise (1) Unique borrowers are those who successfully borrowed on the Company’s platforms during the period presented. 01 Access. Bridging the credit gap across developing and developed markets +2x User Base Growth in 24 months 2.9 7.1 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Group Unique Borrowers1 in million
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13 * Behind the Performance Lies a Replicable Operating System Deep Know-how Customer Acquisition Intelligent marketing & conversion Intelligent Operation Agentic Engineering · AI automation Risk Assessment Anti-fraud · Credit scoring · Pricing Funding Management Fund matching · Post-loan mgt 19 YRS Cross-Cycle Expertise Coveted Products Diversified User Acquisition Extensive Partner Network 100+ institutional funding partners globally Efficient Operation Sharing operational excellence across markets Sophisticated Risk Assessment Proven risk management through market cycles AI-driven Data Technology Natural Language Processing LLMs · Multi-modal models · TTS Graph-Based Algorithms Anti-fraud & risk association inference Data Analysis & Data Modeling Agentic rule mining · Automated evaluation Trusted Generative AI Responsible AI practices Cloud Computing AI-native infrastructure 02
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14 * Note: (1) Day 1 delinquency rate is defined as (i) the amount of current principal that became overdue as of a specified date, divided by (ii) the amount of current principal that was due for repayment as of such date. (2) 30 Day collection rate is defined as (i) the amount of current principal that is repaid in 30 days among the total amount of current principal that is overdue as of a specified date, divided by (ii) the total amount of current principal that is overdue as of such date. (3) Data as of June 30, 2026. Represents the historical cumulative 30-day plus past due delinquency rates by loan origination vintage for loan products in Chinese Mainland. Loans facilitated under the capital-light model, for which the Company does not bear principal risk, are not included in the chart. Vintage is defined as loans facilitated during a specified time period. Delinquency rate by vintage is defined as (i) the total amount of principal for all loans in a vintage that become delinquent, less (ii) the total amount of recovered past due principal for all loans in the same vintage, divided by (iii) the total amount of initial principal for all loans in such vintage. Validated Credit Experience Resilient Risk Performance across Multiple Cycles 5.3% 89% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100% 0% 2% 4% 6% 8% 10% 12% 14% 16% 18% 20% 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Day 1 Delinquency Rate 30 Day Collection Rate(1) (2) M1+ Delinquency Rates by Vintage(3) 03 14
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15 (1) Calculated based on transaction volume on our marketplace in Chinese mainland in Q2 2026. RMB 10,742 Average Principal Amount(1) 8.5 Months Average Loan Tenure(1) Proprietary Customer Acquisition Know-how Expanding User Base 2.6M New Borrowers in 2Q26 +64% YoY Chinese Mainland Overseas Markets Traffic Platforms Search Engines Embedded Finance Leading internet and local service platforms Top e-commerce platforms Point-of-Sale Mobile brand and electronic distribution channels Federated Learning- Based Joint Modeling Highly- Automated 99% Loan automation in China <1 min Approval Time 04
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16 Leadership Team with Track Record ◼ Education: Shaofeng GU Chief Innovation Officer Co-founder Chairman ◼ Education: Tiezheng LI Chief Executive Officer Co-founder Vice Chairman ◼ Education: Yuxiang WANG COO CTO ◼ Education: Jiayuan XU CFO ◼ Education: Pingping CHEN President, Chief Compliance Officer ◼ Education: Dr. Xiaodong SUN Head of International Markets (excl. Indonesia) ◼ Education: Dr. Ming GU Head of Indonesia Awards Recognition ▪ Most Innovative Use of Technology (Chinese Mainland) ▪ Best Strategic Initiative (The Philippines) 05
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17 2 51 98 90 107 6759 61 62 70 75 16% 34% 49% 49% 50% -1.2 -1 -0.8 -0.6 -0.4 -0.2 0 0.2 0.4 0.6 0.8 0 50 100 150 200 250 2021 2022 2023 2024 2025 1H26 Repurchase Dividend Total Payout Ratio Total Value Returned to Shareholders (Approx.) US$/million (1) 61 112 160 160 182 Consistent Shareholder Return 1 7 (1) The total payout ratio is calculated as the sum of dividends paid and share repurchases executed during a given fiscal period, divided by net profit attributable to FinVolution Group for that same period. (2) Including US$61 million concurrent repurchases with convertible bond issuance in Q2 2025. (3) The Company may repurchase up to US$150 million of its shares (including ADSs) under the share repurchase program effective May 30, 2026, through May 29, 2028. (4) The Company completed initial public offering with total net proceeds of approximately US$252 million in November 2017. We see value in our share US$67mn 1H26 Buyback $ US$150mn New Buyback Program(3) 8th Year Consecutive Dividend 10.5% DPS YoY Growth (2) 06
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Operational & Financial Metrics
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19 2Q26: Diversified Growth Platform 4.6 5.0 5.3 6.1 7.1 2Q25 3Q25 4Q25 1Q26 2Q26 +16% QoQ 54.0 51.2 42.8 42.6 44.8 2Q25 3Q25 4Q25 1Q26 2Q26 77.5 77.1 70.9 67.7 67.9 2Q25 3Q25 4Q25 1Q26 2Q26 +5% QoQ +0.3% QoQ Unique Borrowers in mn Transaction Volume in RMB/bn Loan Balance in RMB/bn
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20 2Q26: Resilient Financial Results +6% QoQ +8% QoQ1 +1% QoQ Net Revenue in RMB/mn Operating Profit in RMB/mn Net Profit in RMB/mn 3,578 3,487 3,024 3,210 3,403 2Q25 3Q25 4Q25 1Q26 2Q26 816 732 483 547 529 2Q25 3Q25 4Q25 1Q26 2Q26 751 641 416 421 427 2Q25 3Q25 4Q25 1Q26 2Q26 (1) 8% QoQ operating profit growth excludes a one-time RMB64 million goodwill impairment charge in 2Q26; including the impairment, operating profit declined 3% QoQ.
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21 Chinese Mainland: Navigating Regulatory and Funding Headwinds (1) Transaction volume refers to the loan amount facilitated during each period. (2) Outstanding loan balance of China business refers to the balance of outstanding loans delinquent within 180 days as of the end of each period in the Chinese mainland market. (3) Non-GAAP Adjusted EBITDA represents operating profit (loss) plus (a) depreciation and amortization expenses and (b) share-based compensation expenses. 50.8 38.5 41.0 2Q25 1Q26 2Q26 RMB billion Transaction Volume (1) QoQ +6% 75.4 65.1 65.4 2Q25 1Q26 2Q26 RMB billion Outstanding Loan Balance (2) QoQ +0.5% Net Revenue Non-GAAP Adjusted EBITDA (3) RMB million RMB million 931 615 642 0204060801001201401601802002202402602803003203403603804004204404604805005205405605806006206406606807007207407607808008208408608809009209409609801,000 2Q25 1Q26 2Q26 2,781 2,216 2,397 2Q25 1Q26 2Q26 QoQ +8% QoQ +4%
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22 Overseas Markets: Scaling Profitability Across International Footprint (1) Transaction volume refers to the loan amount facilitated during each period. (2) Outstanding loan balance of overseas markets refers to the balance of outstanding loans delinquent within 30 days as of the end of each period in overseas markets. (3) Non-GAAP Adjusted EBITDA represents operating profit (loss) plus (a) depreciation and amortization expenses and (b) share-based compensation expenses. 3.2 4.1 3.8 2Q25 1Q26 2Q26 RMB billion Transaction Volume (1) QoQ -5% YoY +19% 2.1 2.6 2.5 0 1 1 2 2 3 3 4 4 5 2Q25 1Q26 2Q26 RMB billion Outstanding Loan Balance (2) QoQ -6% YoY +19% Net Revenue Non-GAAP Adjusted EBITDA (3) RMB million RMB million 789 949 930 2Q25 1Q26 2Q26 27 48 55 2Q25 1Q26 2Q26 QoQ -2% YoY +18% QoQ +16% YoY +108%
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https://ir.finvgroup.com/ ir@xinye.com Thank You
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24 Selected Segment Information 2Q26 Chinese Mainland Overseas Markets Others Unallocated expenses Total Operating profit 624,761 53,635 (42,521) (106,626) 529,249 Add: Depreciation and amortization 17,180 1,625 267 - 19,072 Add: SBC expenses - - - 42,866 42,866 Non-GAAP Adjusted EBITDA6 641,941 55,260 (42,254) (63,760) 591,187 Reconciliation of GAAP and Non-GAAP Results (in RMB’000) 2Q25 Chinese Mainland Overseas Markets Others Unallocated expenses Total Operating profit 913,551 25,576 (33,879) (89,729) 815,519 Add: Depreciation and amortization 17,035 1,020 125 - 18,180 Add: SBC expenses - - - 39,318 39,318 Non-GAAP Adjusted EBITDA6 930,586 26,596 (33,754) (50,411) 873,017 2Q26 Chinese Mainland Overseas Markets1 Others2 Elimination Total Net revenue 2,396,725 930,283 81,676 (5,515) 3,403,169 Less3: Operating expenses4 (1,771,964) (876,648) (124,197) 5,515 (2,767,294) Operating segment profit/(loss) 624,761 53,635 (42,521) - 635,875 Less: Unallocated expenses5 (106,626) Operating profit 529,249 Selected Segment Information (in RMB’000) 2Q25 Chinese Mainland Overseas Markets1 Others2 Elimination Total Net revenue 2,781,295 788,680 11,248 (3,272) 3,577,951 Less3: Operating expenses4 (1,867,744) (763,104) (45,127) 3,272 (2,672,703) Operating segment profit/(loss) 913,551 25,576 (33,879) - 905,248 Less: Unallocated expenses5 (89,729) Operating profit 815,519 (1) “Overseas Markets” includes Indonesia, the Philippines and Australia. (2) “Others” includes a combination of multiple business activities that each does not meet the quantitative thresholds to qualify as reportable segments. (3) The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM. (4) “Operating Expenses” includes Origination, servicing expenses and other costs of revenue, Sales and marketing expenses, General and administrative expenses, Research and development expenses, Credit losses for quality assurance commitment, Provision forloans receivable and Provision for accounts receivable and contract assets. (5) Unallocated expenses are mainly related to share-based compensation, impairment of goodwill of prior acquisitions, and other miscellaneous items that are not allocated to segments. These expenses are excluded from segment results as they are not reviewed by the CODM as part of segment performance. (6) “Non-GAAP Adjusted EBITDA” represents operating profit (loss) plus (a) depreciation and amortization expenses and (b) share-based compensation expenses.