Fiscal Year Ending February 2026 Financial Summary [Japanese GAAP] (Consolidated)

Performance Overview

For the fiscal year ending February 2026, consolidated operating revenue reached 569.307 billion yen (6.8% increase YoY), operating income was 60.655 billion yen (1.4% decrease YoY), ordinary income was 60.693 billion yen (3.0% decrease YoY), and net income attributable to owners of parent was 21.092 billion yen (34.8% increase YoY). Growth in the domestic and overseas customer base and increased handling volume of financial products supported the results, but operating income slightly declined due to increased financial expenses. By segment, domestic retail business operating revenue saw a substantial increase to 242.971 billion yen (25.6% increase YoY), while operating income declined to 5.118 billion yen (51.3% decrease YoY), impacted by increased financial costs in banking operations. Overseas operations remained steady, centered on Malaysia and Vietnam.

Financial Position and Dividends

Total assets amounted to 8.313956 trillion yen (increase of 557.463 billion yen YoY), total liabilities were 7.688746 trillion yen (increase of 518.020 billion yen YoY), and total net assets stood at 625.209 billion yen (increase of 39.443 billion yen YoY). An annual dividend of 53 yen (25 yen interim, 28 yen year-end) is planned, with a payout ratio of 54.2%. The same dividend amount is forecast for the fiscal year ending February 2027. Additionally, on May 1, 2026, the consolidated subsidiary AFS Corporation will be absorbed by merger to improve organizational efficiency.