Fiscal Year Ending March 2026 Q3 Financial Summary [Japanese GAAP] (Consolidated)

Overview of Performance

For the cumulative third quarter of the fiscal year ending March 2026, consolidated operating revenue amounted to JPY 1,458.171 billion (up 1.6% YoY). Operating income was JPY 19.221 billion (down 16.6%), ordinary income was JPY 19.055 billion (down 17.4%), and quarterly net income attributable to owners of the parent was JPY 14.593 billion (down 9.7%). Domestic operations saw an increase in operating revenue driven by steady demand in credit services related to housing products and increased handling of auto loans; however, rising financial costs pressured profits. Overseas businesses posted decreases in both revenue and profit due to sluggish performance in Indonesia and reduced volumes in the Philippines, despite increased volumes in Vietnam and Cambodia.

Overview of Financial Position

Total assets amounted to JPY 3,854.997 billion (an increase YoY), net assets increased to JPY 299.105 billion, and the equity ratio rose to 7.6% compared to the previous year. Capital stock increased to JPY 356.8 billion, and capital surplus also grew. The number of shares outstanding increased to 45,059,992 shares.

Dividend Situation

For the fiscal year ending March 2026, a year-end dividend of JPY 100 per share is planned, bringing the annual total dividend to JPY 200 per share. The previous fiscal year’s annual dividend was JPY 190 per share.

Consolidated Earnings Forecast for Fiscal Year Ending March 2026

The full-year consolidated earnings forecast projects operating revenue of JPY 1,915.0 billion (up 0.3% YoY), operating income of JPY 20.0 billion (down 22.3%), ordinary income of JPY 20.0 billion (down 22.4%), and net income attributable to owners of the parent of JPY 15.5 billion (down 16.8%). Net income per share is expected to be JPY 346.64. There have been no revisions to the recent earnings forecast.