Qfin Holdings, Inc. (QFIN) Q2 2026 Earnings Call Transcript

SA Transcripts 162.01K Followers Follow Qfin Holdings, Inc. ( QFIN ) Q2 2026 Earnings Call August 25, 2026 8:30 PM EDT Company Participants Karen Ji - Senior Director of Capital Markets Haisheng Wu - CEO & Director Zuoli Xu - CFO & Director Yan Zheng - Chief Risk Officer Conference Call Participants Richard Xu - Morgan Stanley, Research Division Xiaoxiong Ye - UBS Investment Bank, Research Division Emma Xu - BofA Securities, Research Division Yun-Yin Wang - China Renaissance, Research Division Presentation Operator Ladies and gentlemen, thank you for standing by, and welcome to the Qfin Holdings Second Quarter 2026 Earnings Conference Call. [Operator Instructions] Please also note today's event is being recorded. At this time, I'd like to turn the conference call over to Ms. Karen Ji, Senior Director of Capital Markets. Please go ahead, Karen. Karen Ji Senior Director of Capital Markets Thank you, Asia. Hello, everyone, and welcome to Qfin Holdings Second Quarter 2026 Earnings Conference Call. Our earnings release was distributed earlier today and is available on our IR website. Joining me today are Mr. Wu Haisheng, our CEO; Mr. Alex Xu, our CFO; and Mr. Zheng Yan, our CRO. Now I will quickly cover the safe harbor statement. Today's discussions may contain forward-looking statements, particularly statements about our business and financial results that are subject to risks and uncertainties, which could cause actual results to differ materially from those contained in the forward-looking statements. Please refer to the safe harbor statement in our earnings release, which also contains a reconciliation of the non-GAAP financial measures to GAAP financial measures. Now I will turn the call over to Mr. Wu Haisheng. Please go ahead. Haisheng Wu CEO & Director Hello, everyone. Thank you for joining us today. Since the start of 2026, China's consumer finance industry has remained under pressure. According to the People's Bank of China, the outstanding balance of short-term household