Fiscal Year Ending March 2026 Financial Results Explanation Materials

Overview of Business Performance

For the fiscal year ending March 2026, operating revenue reached 44.04 billion yen (YoY +21.0%), operating profit was 8.4 billion yen (YoY +23.2%), and pre-tax profit was 8.62 billion yen (YoY +25.8%), setting all three indicators at record highs. Net profit attributable to owners of the parent also increased significantly to 6.069 billion yen (YoY +30.5%), with basic earnings per share at 157.22 yen (YoY +28.2%). Expenses related to system disruptions totaled 1.13 billion yen and have since concluded, while 610 million yen worth of software not reused in the new core system was decommissioned.

Business Trends and Market Environment

Used car registration units turned positive with 1.04 million units in the quarterly comparison, a YoY increase of 0.7%. However, the overall market remained flat due to stagnation in new car sales. Credit handling volume recovered to the same level as the previous year in the fourth quarter, and the delinquent receivables balance rate is expected to recover from system issues. The used car warranty handling volume maintained high growth at YoY +16.8%, continuing steady expansion. In the finance business, credit sales revenue increased by 19.6% YoY to 23.8 billion yen, and operating profit was 4.735 billion yen (YoY +3.6%). The domestic warranty business also performed well, with operating revenue of 8.01 billion yen (YoY +14.3%) and operating profit of 1.334 billion yen (YoY +18.9%).