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    Earnings call· Jun 2026(Q2 FY26)

    Sea Q2 FY26 earnings call SE

    Aug 11, 2026 Source

    Executive summary

    Sea Limited Q2 FY26 — Strong Momentum Across E-commerce, Fintech, and Gaming

    Sea Limited continued its strong momentum in Q2 FY26, driven by robust performance across its e-commerce, fintech, and gaming segments. The company demonstrated improved unit economics and operational efficiency, enabling disciplined investment in user acquisition and market leadership. Management remains confident in its full-year outlook, balancing growth with profitability while navigating potential FX headwinds and expanding its product offerings in key markets like Brazil.

    Highlights

    5
    • Total revenue increased 48% year-on-year to $7.8 billion.

    • Shopee's GMV grew 28% year-on-year, marking 8 consecutive quarters of sequential growth.

    • Monee's loan book reached $11.1 billion, up 52% year-on-year, with a stable 90-day NPL ratio of 1.0%.

    • Garena's bookings grew 15% year-on-year to $764 million, with Free Fire maintaining over 100 million average daily active users.

    • Shopee's adjusted EBITDA exceeded $250 million, and the company is optimistic about achieving $1 billion in adjusted EBITDA for the full year.

    Concerns

    3
    • Net income tax expense increased to $251 million in Q2 FY26 from $144 million in Q2 FY25.

    • Potential ForEx headwinds are anticipated due to weaker currencies against the U.S. dollar in many markets.

    • Provisions for credit losses increased this quarter, primarily driven by a higher mix of off-Shopee SPL and Brazil loans.

    Guidance & targets

    2
    CategoryTargetConfidence
    Shopee Adjusted EBITDA
    more than $1 billion
    high materiality
    High
    Shopee GMV Growth
    around 25%
    high materiality
    High

    Segment performance

    4
    SegmentRevenueYoYQoQMargin
    Overall
    Total revenue and adjusted EBITDA growth driven by Shopee and Monee.
    Adjusted EBITDA: $917M
    $7.8B48%$917M
    Shopee
    Strong momentum with 8 consecutive quarters of sequential GMV growth. Improved operational efficiency and growing scale strengthened unit economics.
    GMV: $38.3MGMV Growth YoY: 28%Gross Orders: 4.2BGross Orders Growth YoY: 27%GAAP Marketplace Revenue: $4.9BGAAP Marketplace Revenue Growth YoY: 49%Core Marketplace Revenue: $4.3BCore Marketplace Revenue Growth YoY: 66%Value-Added Services Revenue: $0.7BAdjusted EBITDA Growth YoY: 12%
    $5.6B$255M
    Monee
    Credit remained the primary driver of growth, with stable asset quality. Philippines became a key market with over $1 billion loan book.
    Adjusted EBITDA Growth YoY: 13%Consumer and SME Loans Principal Outstanding: $11.1BConsumer and SME Loans Principal Outstanding Growth YoY: 62%On-book Loans Principal Outstanding: $10BOff-book Loans Principal Outstanding: $1.1B90-day NPL Ratio: 1.0%
    $1.4B59%$288M
    Garena
    Strong performance anchored by Free Fire, which continues to expand its reach and scale globally. Diversifying portfolio with new mobile games.
    Bookings: $764MBookings Growth YoY: 15%Adjusted EBITDA Growth YoY: 17%
    $747M34%$430M

    Operational metrics

    28
    Average monthly new active buyers
    35%YoY
    Q2 FY26

    Significant acceleration from previous quarters.

    Average monthly active buyers
    18%YoY
    Q2 FY26

    Overall buyer engagement continued to improve.

    Purchase frequency
    8%YoY
    Q2 FY26

    Overall buyer engagement continued to improve.

    Ad revenue growth
    70%YoY
    Q2 FY26

    Monetization strengthened further.

    Ad take rate improvement
    90YoY
    Q2 FY26

    Monetization strengthened further.

    Number of ad paying sellers
    45%YoY
    Q2 FY26

    Ad adoption and spend continued to improve across seller base.

    Average ad spend per seller
    15%YoY
    Q2 FY26

    Ad adoption and spend continued to improve across seller base.

    Instant delivery order volumes growth
    80%YoY
    Q2 FY26

    Gained strong traction, with delivery as fast as 1 hour in urban areas.

    Instant delivery cost per order
    20%fell by
    Q2 FY26

    Driven by economies of scale and efficiency gains.

    Fulfillment order volumes growth
    20%QoQ
    Q2 FY26

    Good progress in fulfillment, with more than 60% of fulfilled parcels delivered next day in some markets.

    Shopee VIP total membership
    15M25% from previous quarter
    end of June

    Scaled strongly across Asia and Brazil.

    Shopee VIP GMV contribution
    24%
    Q2 FY26

    Members show higher engagement and spend more.

    Shopee VIP average monthly retention
    80%
    Q2 FY26

    Remained strong.

    Shopee VIP Brazil membership
    1M
    Q2 FY26

    Early adoption encouraging since April launch.

    Orders from live streaming and short-form video growth
    50%YoY
    Q2 FY26

    Accounted for more than 25% of physical goods orders in Southeast Asia.

    Shopee affiliated orders from Facebook
    85%QoQ
    Q2 FY26

    Generated by linked creators, proving to be a very popular channel.

    Brazil average delivery speed reduction
    15%YoY
    Q2 FY26

    Improved delivery speed.

    Brazil fulfillment orders penetration
    doubledYoY
    Q2 FY26

    Supporting expansion upmarket.

    New official brands onboarded
    500
    Q2 FY26

    Supporting expansion upmarket.

    Shopping mall sellers GMV growth
    doubledYoY
    Q2 FY26

    Supporting expansion upmarket.

    Credit approval rates
    10%up by
    Q2 FY26

    Helped by recent enhancements to underwriting models.

    Review time for income documents
    95%reduced by
    Q2 FY26

    Using AI to verify diverse user-submitted income documents.

    New unique first-time borrowers
    5.3M
    Q2 FY26

    Contributed to strong new user growth.

    Active credit users growth
    34%YoY
    Q2 FY26

    Reached over $40 million at the end of the quarter.

    Average loans outstanding per user growth
    20%YoY
    Q2 FY26

    Saw deeper user engagement.

    Off-Shopee SPL portfolio
    20%
    Q2 FY26

    Accounted for over 20% of total SP laser portfolio.

    ShopeePay app monthly transacting users growth
    doubled
    Q2 FY26

    Serving as a one-stop platform for user payments, credit, insurance.

    Free Fire average daily active users
    100M
    Q2 FY26

    Still expanding its reach and scale globally.

    Industry KPIs

    5
    MetricValueDetails
    Segment revenue mix
    Regional market performanceoutpaced the broader market
    Advertising revenue take rate70%%
    Subscription membership program15Mmembers
    Operating income EBIT and adjusted EBITDA$917MUSD

    Product announcements

    2
    ProductTypeDetails
    Howard Onlinelaunch
    Monster Hunter Outlanderslaunch

    Risks & headwinds

    3
    Foreign Exchange (ForEx) Headwindscoming quarters

    many of our market has weaker currency against U.S. dollars

    Mitigation: Continue to achieve full year growth outlook despite this.

    Higher GMV base in Q3 and Q4Q3 and Q4 FY26

    Q3 and Q4 also have a higher GMV base

    Mitigation: Still confident in achieving full year GMV growth guidance of around 25%.

    Increased credit loss provisionsQ2 FY26

    increased quite a bit this quarter

    Mitigation: Primarily driven by loan mix shift towards off-Shopee SPL and Brazil loans, which naturally have higher provisions; NPLs remain stable within segments.

    What to watch in Q3 FY26

    5

    Shopee GMV growth

    next quarter
    Current28% YoY
    TargetContinued strong growth towards ~25% FY26 target

    Why it matters

    Verifies if Shopee can maintain its growth trajectory and achieve its full-year target despite potential ForEx headwinds and a higher base.

    If we look forward for the full year, we remain well on track and confident of achieving our full year growth outlook of around 25%. And that said, we want to make sure that we also anticipate the potential ForEx headwind as well. As you can observe that many of our market has weaker currency against U.S. dollars. Q3 and Q4 also have a higher GMV base.

    Q&A highlights

    7

    What is the outlook for Shopee's GMV growth, are investments peaking, and what AI initiatives are being implemented for buyers and sellers?

    Shopee expects to achieve its full-year GMV growth outlook of around 25%, despite potential ForEx headwinds. Investments in initiatives like fulfillment are CapEx-light and unit economics are improving. AI is being used for seller assistance (IM assistance), buyer conversion (new generative algorithms for search/recommendation), and content generation (AIGC for personalized targeting).

    If we look forward for the full year, we remain well on track and confident of achieving our full year growth outlook of around 25%.

    asked by Piyush Choudhary · answered by Forrest Li

    2 min read6 chapters

    Detailed Narrative

    01

    Shopee's Continued Market Leadership and Efficiency Gains

    Shopee demonstrated strong momentum with 28% YoY GMV growth and achieved over $250 million in adjusted EBITDA. The company's focus on improving operational efficiency and growing scale has strengthened unit economics, allowing for profitable user acquisition. Key initiatives like brand awareness campaigns, content expansion, and broadened logistics offerings drove significant new buyer growth (up 35% YoY) and increased purchase frequency (up 8% YoY).

    02

    Monetization and Content Ecosystem Enhancement

    Shopee's monetization efforts strengthened, with ad revenue up over 70% and ad take rate improving by more than 90 basis points YoY. The number of ad-paying sellers increased by 45%, and average ad spend per seller rose by 15%. The content ecosystem also saw significant growth, with orders from live streaming and short-form video increasing by over 50% YoY, now accounting for more than 25% of physical goods orders in Southeast Asia.

    03

    Monee's Robust Loan Book Growth and Risk Management

    Monee delivered strong growth, with its loan book reaching $11.1 billion, a 52% YoY increase. The 90-day NPL ratio remained stable at 1.0%. Advances in credit risk capabilities, including new AI-powered models and external data sources, have improved approval rates by 10% while maintaining risk levels. New user acquisition efforts, such as 1-month interest-free 'buy now, pay later' loans, contributed to 5.3 million new unique first-time borrowers and 34% YoY growth in active credit users.

    04

    Garena's Enduring Franchise and Portfolio Diversification

    Garena reported a strong quarter with bookings up 15% YoY and adjusted EBITDA growing 17% to $430 million. Free Fire continues to be an evergreen franchise, maintaining over 100 million average daily active users through continuous content updates and localized campaigns. The company is also diversifying its portfolio with two new mobile games, 'Howard Online' (global publishing) and 'Monster Hunter Outlanders' (Southeast Asia, Latin America, Taiwan, Middle East), expanding into new genres and strengthening global partnerships.

    05

    Strategic Investments in Logistics and Fulfillment

    Sea Limited continues to invest in logistics and fulfillment, adopting a CapEx-light approach. Instant and same-day delivery services are gaining traction, with instant delivery order volumes growing 80% YoY in initial markets and cost per order falling 20%. Fulfillment order volumes increased over 20% QoQ, significantly improving delivery times in challenging geographies. These investments are seen as crucial for enhancing buyer conversion and seller efficiency, with further penetration expected across all key markets.

    06

    Brazil Market Outperformance and Expansion

    Brazil remains Sea's fastest-scaling market, outpacing broader market GMV growth. Shopee improved delivery speed by 15% YoY and doubled fulfillment penetration. The company onboarded nearly 500 new official brands, with GMV from shopping mall sellers more than doubling. Monee is also expanding in Brazil with a standalone ShopeePay app and an SCFI license, aiming to leverage its e-commerce user base and data for financial services growth.

    AI-generated summary of the company’s earnings call. Not investment advice.