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

Performance Overview

In the third quarter of the fiscal year ending March 2026, revenue reached 2,057.79 billion yen (9.6% YoY increase), operating income was 397.91 billion yen (19.5% YoY increase), and net income attributable to owners of parent was 214.66 billion yen (13.1% YoY increase), achieving five consecutive periods of higher revenue and profit. Group total transaction volume hit a record high of 4.0204 trillion yen (9% YoY increase), with solid performance in both the Retail and Fintech segments. EPS was 119.3 yen, a 17% increase YoY.

Segment Performance and Financial Position

Operating income in the Retail segment rose to 8.4 billion yen (45% YoY increase), and the Fintech segment recorded 37.5 billion yen (12% YoY increase), both strong results. Card credit transaction volume reached a record high of 1.2946 trillion yen (9% YoY increase). Total assets stood at 1.2102 trillion yen (an increase of 156.9 billion yen from the previous fiscal year-end), and the equity ratio was 19.7% (a decrease of 3.7 points from the previous fiscal year-end). Outstanding shares at fiscal year-end were 183.66 million shares, with treasury shares at 3.71 million shares.

Dividends and Earnings Forecast

The annual dividend for the fiscal year ending March 2026 is planned at 131 yen per share (an increase from the prior year), with a Dividend on Equity (DOE) forecasted at 10.0%. The full-year consolidated earnings forecast projects revenue of 2.725 trillion yen (7.1% YoY increase), operating income of 500 billion yen (12.3% YoY increase), and net income attributable to owners of parent of 280 billion yen (5.3% YoY increase). ROE is forecasted at 11.2%, and EPS at 155 yen.

Management Policy and Capital Strategy

The management vision toward the fiscal year ending March 2031 focuses on deepening a business model centered on 'liking', aiming to increase the intangible asset ratio above 70%. Regarding capital policies, as the balance sheet expands, the group aims for a consolidated equity ratio of 16% while planning shareholder returns totaling 170 billion yen over six years. Treasury stock acquisition is planned at 30 billion yen to strengthen shareholder returns through both dividends and share buybacks.