For the second quarter (interim) of the fiscal year ending March 2027, consolidated results were: operating revenue of 98,733 million yen (Year-over-Year (YoY) +1.7%), operating income of 11,172 million yen (YoY -14.7%), ordinary income of 11,180 million yen (YoY -14.7%), and interim net income attributable to owners of parent of 8,814 million yen (YoY -9.2%). Full-year earnings guidance has been revised, with net sales forecast at 196,500 million yen and net income around 10,000 million yen. By segment, domestic operations struggled while overseas operations showed slight 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Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-11-05","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/11\/8584-20261105-01.pdf","jir_short_summary":"For the second quarter (interim) of the fiscal year ending March 2027, consolidated results were: operating revenue of 98,733 million yen (Year-over-Year (YoY) +1.7%), operating income of 11,172 million yen (YoY -14.7%), ordinary income of 11,180 million yen (YoY -14.7%), and interim net income attributable to owners of parent of 8,814 million yen (YoY -9.2%). Full-year earnings guidance has been revised, with net sales forecast at 196,500 million yen and net income around 10,000 million yen. By segment, domestic operations struggled while overseas operations showed slight growth.","jir_summary":"### Overview of Performance\nFor the interim period, consolidated net sales amounted to approximately 9,873,300 million yen (original unit was million yen). While net sales were slightly up YoY, profit metrics were pressured and operating income, ordinary income and net income all declined. By segment, domestic businesses centered on credit and payment services experienced weak transaction volumes and revenues, whereas overseas operations saw increased transaction volumes but a decline in operating revenue. The Financial Summary explains second-year growth measures of the medium-term plan \"Do next!\", centered on strengthening collaboration with the MUFG Group.\n\n### Outlook and Key Notes\nThe company has revised its full-year guidance for the fiscal year ending March 2027, with net sales forecast at 196,500 million yen and adjustments made to ordinary income and net income forecasts. See the announcement document for detailed revised forecasts. There were no additions or removals of consolidated subsidiaries and no changes in accounting policies. Considering external factors such as improvements in employment and income environments, the company intends to ensure financial soundness and improve capital efficiency through ALM initiatives.","jir_financial_highlights":"Operating Revenue: 98,733 (YoY +1.7%)\nOperating Income: 11,172 (YoY -14.7%)\nOrdinary Income: 11,180 (YoY -14.7%)\nInterim Net Income Attributable to Owners of Parent: 8,814 (YoY -9.2%)\nFull-Year Guidance Net Sales: 196,500 (Revised from prior forecast)\nFull-Year Guidance Net Income: 10,000 (Adjustments made)","jir_category":"","jir_hashtags":"#JACCS, #Earnings, #Interim, #AsiaFinancialBusiness, #Do_next","jir_key_figures":"Operating Revenue: 98,733 million yen (YoY +1.7%)\nOrdinary Income: 11,180 million yen (YoY -14.7%)\nInterim Net Income Attributable to Owners of Parent: 8,814 million yen (YoY -9.2%)","jir_meta_title":"JACCS Co., Ltd. Financial Summary Q2 Interim | Net Sales 196,500 million yen, Net Income Forecast 10,000 million yen","jir_meta_description":"JACCS Co., Ltd. second quarter (interim) financial summary for fiscal year ending March 2027. Net sales forecast 196,500 million yen, operating income approximately 11,172 million yen, net income approximately 8,814 million yen. Key points on revised full-year guidance and segment trends.","jir_og_title":"JACCS Co., Ltd. Financial Summary Q2 Interim | Net Sales 196,500 million yen \u00b7 Net Income Forecast 10,000 million yen","jir_og_description":"JACCS Co., Ltd. second quarter (interim) results: net sales around 196,500 million yen and net income around 8,814 million yen. 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