Financial Summary for the Third Quarter of Fiscal Year Ending March 2026 [IFRS] (Consolidated)

Summary of Business Results

Operating revenue for the consolidated cumulative third quarter period of the fiscal year ending March 2026 was 31,366 million yen (14.4% increase YoY), with all segments—Finance Business, Warranty Business, and Automobility Service Business—achieving revenue growth. On the other hand, operating income decreased to 5,662 million yen (5.8% decrease YoY), mainly affected by the suspension of new contracts due to rollback to the old system, impacts of interest rate hikes, and increased costs related to system failure responses. Net income attributable to owners of the parent company was 4,061 million yen (1.2% decrease YoY).

Financial Position and Cash Flows

Total assets stood at 191,022 million yen (increase of 6,034 million yen from the previous consolidated fiscal year-end), total liabilities were 167,494 million yen (increase of 1,455 million yen), and total equity was 23,528 million yen (increase of 4,579 million yen). Cash flow from operating activities was an outflow of 16,181 million yen, investing activities saw an outflow of 803 million yen, and financing activities recorded an inflow of 28,808 million yen, resulting in cash and cash equivalents totaling 28,991 million yen.

Revision of Consolidated Earnings Forecast

Due to the booking of one-off expenses related to system failures and other factors, the consolidated earnings forecast for the full fiscal year ending March 2026 has been revised. Operating revenue remains unchanged at 42,000 million yen, while profit before tax is expected within the range of 8,500 to 8,700 million yen, and net income attributable to owners of the parent is anticipated between 5,800 and 5,900 million yen. A share buyback program with an upper limit of 1 billion yen has been decided as part of shareholder return measures, targeting a total return ratio exceeding 50%.