Fiscal Year Ending March 2027 Q2 (Interim) Financial Summary [IFRS] (Consolidated)

Overview of Results

SBI ARUHI Corporation's consolidated results for the second quarter of the fiscal year ending March 2027 recorded revenue of 12,090 million yen (Year-over-Year 2.5% increase), profit before tax of 1,330 million yen, profit for the period of 899 million yen, and interim profit attributable to owners of the parent of 914 million yen. While execution of loans related to the core "Flat 35" product increased year-on-year in some areas, overall "Flat 35" loan originations declined due to the widening interest rate spread. Contributions from receivables management-related income and other financial income increased, resulting in overall revenue growth. Organizational scope changes, including the addition of a new subsidiary, ARUHI Receivables Collection Co., Ltd., and changes in IFRS accounting policies were implemented. The full-year earnings forecast is maintained.

Capital Structure and Outlook

Financial position shows total assets of 214,150 million yen, total liabilities of 171,864 million yen, and total equity of 42,286 million yen. Cash and cash equivalents at the end of the interim period decreased to 19,306 million yen. Equity slightly increased to 42,286 million yen. There is no change to the dividend forecast. Number of shares outstanding at period end was 44,712,170 shares, and treasury shares at period end were 210,360 shares. Presentation changes stemming from IFRS adoption were implemented and reflected in the notes to the financial statements. The company intends to maintain current performance forecasts going forward.