JACCS Co., Ltd. Financial Summary for the Second Quarter (Interim) of Fiscal Year Ending March 2027

Overview of Performance

For the interim period, consolidated net sales amounted to approximately 9,873,300 million yen (original unit was million yen). While net sales were slightly up YoY, profit metrics were pressured and operating income, ordinary income and net income all declined. By segment, domestic businesses centered on credit and payment services experienced weak transaction volumes and revenues, whereas overseas operations saw increased transaction volumes but a decline in operating revenue. The Financial Summary explains second-year growth measures of the medium-term plan "Do next!", centered on strengthening collaboration with the MUFG Group.

Outlook and Key Notes

The company has revised its full-year guidance for the fiscal year ending March 2027, with net sales forecast at 196,500 million yen and adjustments made to ordinary income and net income forecasts. See the announcement document for detailed revised forecasts. There were no additions or removals of consolidated subsidiaries and no changes in accounting policies. Considering external factors such as improvements in employment and income environments, the company intends to ensure financial soundness and improve capital efficiency through ALM initiatives.