Fiscal Year Ending December 2026: Q3 Financial Presentation Materials

Performance Overview

In Q3 of the fiscal year ending December 2026, the company achieved revenue of 3,808 million yen, operating income of 600 million yen, and ordinary income of 646 million yen, driven by organic growth centered on payment support services. Stock revenue continued to expand, improving the stock ratio to 86.2%. Gross profit margin remained high at 39.0%, and operating margin was 15.8%. While increased payment opportunities and higher security investments had an impact, ordinary income rose substantially year-over-year due to increased interest income from rising interest rates. These results represent the highest performance on record for a third quarter.

Outlook and Challenges

The full-year outlook has not been changed since the announcement in August 2026, and progress is generally on plan. Attention should be paid to cost increases such as delays in market launch of the new payment terminals, expanded security investment, and relocation/expansion costs for the Toride operations center. Growth drivers remain the expanded sales of PayB and Billing BOX, strengthening of the payment platform with multi-bank support, and promotion of digitalization through xID integration.