Qfin Holdings, Inc. · NASDAQ:QFIN
Qfin — Q2 2026 Earnings Presentation
22 slides from Qfin's earnings presentation, Aug 25, 2026
Slide 1: 2Q2026 Result Presentation
August 2026 2Q2026 Result Presentation Strictly Private and Confidential
Slide 2: Disclaimer
Disclaimer This presentation has been prepared by Qfin Holdings, Inc. considerations involved with an investment in the securities inherent risks and uncertainties. A number of factors could (the “Company”) solely for information purpose. By viewing of the Company. Nothing contained in this presenta
Slide 3: Our Mission
Our Mission To Enable a Better Life for People by Facilitating Safe, Convenient and Inclusive Financial Services through Technology Empowerments to Financial Institutions 3
Slide 4: Company Overview
QFIN SER B Company Overview al vio an | it
Slide 5: What We Have Achieved in 2Q26
What We Have Achieved in 2Q26 A Leading AI-empowered Credit-Tech Platform in China 65.6 million 168 RMB63.4 billion RMB455 million 7.5% Cumulative Users with Cumulative Financial Loan Facilitation Volume in 2Q26 Non-GAAP Net Income in 2Q26 (2) Non-GAAP ROE(3) Approved Credit Lines(1) Institution Par
Slide 6: Dedicated to Returning Value to Shareholders
Dedicated to Returning Value to Shareholders Share Repurchases Dividend Distribution Authorized and Actual Repurchased Value Dividend per ADS (US$ million) (US$) US$1.2 billion Payout Ratio Worth of ADSs repurchased Cumulatively 677 27% 30% 450 450 350 350 234 1.54 150 150 1.30 0.78 1.08 2023 Plan 2
Slide 7: We Primarily Enable Financial Institutions with Our Innovative Technology Solutions
We Primarily Enable Financial Institutions with Our Innovative Technology Solutions… 65.6 million 168 Users with Approved Credit Lines(2) Our Solutions Financial Institution Partners(2) National Banks Consumers SMEs Convenient Process Borrower Acquisition City/Rural Commercial Technology Banks Credi
Slide 8: …to Make Credit Accessible and Affordable to Underserved Borrowers
…to Make Credit Accessible and Affordable to Underserved Borrowers Credit card, mortgage & Geography coverage Age auto loan holders ~81% from tier 64%(1) < 40 60%(1) (3) 3/4 cities(1) Repeated borrowers’ Weighted average Average drawdown loan volume contribution contractual tenor 89.4%(2) RMB12.6k(2
Slide 9: Our Solutions
Our Solutions Credit-driven Services Capital-light Model Intelligent Credit Engine Technology Solutions 2016 2018 2019 2020 Services Provided More tech-empowered models User Acquisition & Preliminary Credit Screening Matching & Referral Advanced Credit Assessment Credit Risk Taking Post-facilitation
Slide 10: Multichannel and Efficient User Acquisition With a Broad User Base
Multichannel and Efficient User Acquisition With a Broad User Base AI-powered Online Advertising • Partner with leading internet traffic platforms • RTA-DMP Marketing System enables efficient user acquisition • Acquire users across all online life and business scenarios Embedded Finance • 81 embedde
Slide 11: Proven Track Record of Consistent Execution with Resilient Asset Quality
Proven Track Record of Consistent Execution with Resilient Asset Quality Our Track Record Loan Facilitation Volume(1) 180 Day+ Delinquency Rates by Vintage (2) (RMB billion) (As of June 30, 2026) 4.00% 3.50% 3.00% 356.5 369.1 2.50% 330.7 322.0 327.1 2.00% 246.8 1.50% 199.1 1.00% 0.50% 96.0 0.00% 31.
Slide 12: AI-Empowered Credit Assessment Capabilities Create Dual Flywheel Effect
AI-Empowered Credit Assessment Capabilities Create Dual Flywheel Effect Superior AI-driven Credit Assessment Engine (Argus)… … Reinforcing Flywheel Effect 300 mm+ users(1) with 2,700+ models enabled Proprietary credit multimodal insights with cutting-edge technologies score system output More Machin
Slide 13: Credit is a Natural and Perfect Use Case for AI Empowerment
Credit is a Natural and Perfect Use Case for AI Empowerment Massive data Millions of Frictionless customer Dramatic in digitally repeating credit / experience with automated economic wins available form repayment events for both lenders and for AI-powered business to train for constantly loan proces
Slide 14: From “AI Across Our Operations” to Technology Enablement
From “AI Across Our Operations” to Technology Enablement Ubiquitous AI Applications in Our Business “AI + Credit” Strategy Evolving into a Next- Generation AI Credit Super Agent Collection Credit User Lifecycle Acquisition User Acquisition System Risk Mgmt. Loan … System Monitoring Loan Application
Slide 15: “One Core, Two Wings” Strategy
“One Core, Two Wings” Strategy Our Vision: Becoming a Respected Global Fintech Company Fintech Solutions for FIs Overseas Expansion Core Credit Business in China Supported by Our AI+ Strategy 15
Slide 16: Operational and Financial Data
Operational and Financial Data
Slide 17: Continued User Base Expansion
Continued User Base Expansion Cumulative Users with Approved Credit Lines Cumulative Borrowers (million) (million) 65.6 64.8 65.6 60.2 39.9 39.5 39.9 36.8 2Q25 2Q26 1Q26 2Q26 2Q25 2Q26 1Q26 2Q26 17
Slide 18: Loan Volume Largely Flat Amid Strict Credit Standards
Loan Volume Largely Flat Amid Strict Credit Standards Loan Facilitation Volume (1) Outstanding Loan Balance (2) (RMB billion) (RMB billion) % of platform services’ contribution % of platform services’ contribution 41.4% 49.5% 48.3% 49.5% 51.1% 50.2% 48.7% 50.2% 140.1 84.6 63.4 65.0 63.4 114.4 107.6
Slide 19: Resilient Earning Despite One-off Tax Accrual
Resilient Earning Despite One-off Tax Accrual Total Net Revenue Non-GAAP Net Income (1) (RMB million) (RMB million) 5,216 3,909 3,567 3,567 1,849 946 455 455 2Q25 2Q26 1Q26 2Q26 2Q25 2Q26 1Q26 2Q26 Notes: (1) Excluding share-based compensation expenses. In 2Q26, the Company accrued a non-recurring t
Slide 20: Operating Expenses
Operating Expenses Facilitation, Origination and Sales and Marketing Expense General and Administrative Servicing Expense (% of Loan Facilitation Volume(1)) Expense (% of Loan Facilitation Volume(1)) (% of Loan Facilitation Volume(1)) User Acquisition Costs(RMB)(2) 370 477 383 477 1.26% 1.07% 1.07%
Slide 21: Improved Risk Metrics Driven by Stricter Risk Strategies
Improved Risk Metrics Driven by Stricter Risk Strategies 18.0% 100.0% 90.8% 89.6%90.4%90.3% 89.3% 15.0% 87.5% 87.1% 87.2%86.7% 87.4%88.1%88.1%87.3% 88.1% 90.0% 86.0%85.8%86.4% 86.2% 86.3% 85.7% 85.8% 84.7% 84.9%85.1% 84.1% 84.0% 12.0% 80.0% 9.0% 70.0% 7.3% 6.2% 6.1% 5.5% 5.7% 5.6% 6.0% 5.3% 5.2% 5.4
Slide 22: THANK YOU
THANK YOU