Recorded extraordinary gains of 2,046 million yen and total extraordinary losses of approximately 2,281 million yen in Q4 of FY November 2025. Full-year results exceeded previous forecasts with net sales of 50,349 million yen and net income attributable to owners of parent of 1,587 million yen.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"3994","jir_company_name":"Money Forward, Inc.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-01-14","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/01\/3994-20260114-03.pdf","jir_short_summary":"Recorded extraordinary gains of 2,046 million yen and total extraordinary losses of approximately 2,281 million yen in Q4 of FY November 2025. Full-year results exceeded previous forecasts with net sales of 50,349 million yen and net income attributable to owners of parent of 1,587 million yen.","jir_summary":"### Overview of Performance\nIn Q4 of the fiscal year ending November 2025, the company recorded an extraordinary gain of 2,046 million yen from equity method gains. This was due to an increase in our equity interest in the joint venture as the subscription price of the capital increase by Sumitomo Mitsui Banking Corporation exceeded the consolidated book value. Meanwhile, extraordinary losses and non-operating expenses were recorded as follows: impairment loss on investment securities of 635 million yen, impairment losses on equity method securities of 652 million yen and 994 million yen, and provision for doubtful accounts of 1,086 million yen. Considering these impacts, net sales amounted to 50,349 million yen, within the range of previous forecasts, and adjusted EBITDA was 4,963 million yen, exceeding the upper limit of expectations. Operating income was \u25b32,653 million yen, near the upper forecast limit, and ordinary income also improved accordingly. Net income attributable to owners of parent was 1,587 million yen, exceeding the previous forecast.\n\n### Differences between Earnings Guidance and Actual Results, and Outlook\nConsolidated net sales and SaaS ARR remained within the guidance range. The improvements in adjusted EBITDA and operating income were contributed by productivity enhancements and strengthened investment discipline that improved cost efficiency. Although net income exceeded expectations due to recording of extraordinary gains, extraordinary losses and non-operating expenses were also recorded. Going forward, the company will continue to focus on balancing cost management and business growth to stabilize performance.","jir_financial_highlights":"Net Sales: 50,349 million yen (vs. previous forecast +2.8% to -2.4%, YoY +24.7%)\nSaaS ARR: 39,333 million yen (vs. previous forecast +0.4% to -4.4%, YoY +31.1%)\nAdjusted EBITDA: 4,963 million yen (vs. previous forecast +106.8% to +12.8%, YoY +166.3%)\nOperating Income: \u25b32,653 million yen (vs. previous forecast +2,147 to -253 million yen (improved), YoY improved)\nOrdinary Income: \u25b33,877 million yen (vs. previous forecast +1,623 to -777 million yen (improved), YoY improved)\nNet Income Attributable to Owners of Parent: 1,587 million yen (vs. previous forecast +2,987 to +587 million yen (improved), YoY improved)\nNet Income per Share: 28.78 yen (vs. previous forecast +54.19 to +10.63 yen, YoY improved)\nExtraordinary Gain (Equity Method Gain): 2,046 million yen (Newly recorded)\nExtraordinary Loss (Impairment Loss on Investment Securities): 635 million yen (Newly recorded)\nExtraordinary Loss (Impairment Loss on Equity Method Securities): 1,646 million yen (652 million yen + 994 million yen) (Newly recorded)\nNon-Operating Expense (Provision for Doubtful Accounts): 1,086 million yen (Newly recorded)","jir_category":"","jir_hashtags":"#MoneyForwardInc, #financial_summary, #JapaneseStocks","jir_key_figures":"Extraordinary Gain (Equity Method Gain): 2,046 million yen (recorded in Q4 of FY November 2025)\nExtraordinary Loss (Impairment Loss on Investment Securities): 635 million yen (recorded in Q4 of FY November 2025)\nNet Income Attributable to Owners of Parent: 1,587 million yen (exceeding previous forecast upper limit)","jir_meta_title":"Money Forward, Inc. Records Extraordinary Gain of 2,046 Million Yen in Fiscal Year Ending November 2025, Net Income Improves to 1,587 Million Yen","jir_meta_description":"Money Forward, Inc. recorded extraordinary gains of 2,046 million yen and total extraordinary losses of approximately 2,281 million yen in Q4 of FY November 2025. Full-year net sales totaled 50,349 million yen and net income attributable to owners of parent was 1,587 million yen, exceeding prior forecasts.","jir_og_title":"Money Forward Announces Differences Between Earnings Guidance and Actual Results for Fiscal Year Ending November 2025","jir_og_description":"Recorded extraordinary gains of 2,046 million yen and net income of 1,587 million yen exceeding previous forecasts. Please refer to IR materials for details.","jir_og_image_url":"\/assets\/og\/company-general_ir.jpg","jir_chart_data_collection":"[{\"jir_chart_id\": \"revenue_vs_forecast\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Fiscal Year Ending November 2025 Net Sales: Actual vs. Forecast\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Previous Forecast Lower Limit\\\",\\\"Actual\\\",\\\"Previous Forecast Upper Limit\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Net Sales (million yen)\\\",\\\"data\\\":[49000,50349,51600],\\\"backgroundColor\\\":[\\\"#4e79a7\\\",\\\"#f28e2b\\\",\\\"#4e79a7\\\"]}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"adjusted_ebitda_vs_forecast\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Fiscal Year Ending November 2025 Adjusted EBITDA: Actual vs. Forecast\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Previous Forecast Lower Limit\\\",\\\"Actual\\\",\\\"Previous Forecast Upper Limit\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Adjusted EBITDA (million yen)\\\",\\\"data\\\":[2400,4963,4400],\\\"backgroundColor\\\":[\\\"#4e79a7\\\",\\\"#f28e2b\\\",\\\"#4e79a7\\\"]}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"operating_profit_vs_forecast\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Fiscal Year Ending November 2025 Operating Income: Actual vs. Forecast\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Previous Forecast Lower Limit\\\",\\\"Actual\\\",\\\"Previous Forecast Upper Limit\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Operating Income (million yen)\\\",\\\"data\\\":[-4800,-2653,-2400],\\\"backgroundColor\\\":[\\\"#4e79a7\\\",\\\"#f28e2b\\\",\\\"#4e79a7\\\"]}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":false}}}}\"}, {\"jir_chart_id\": \"net_income_vs_forecast\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Fiscal Year Ending November 2025 Net Income Attributable to Owners of Parent: Actual vs. Forecast\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Previous Forecast Lower Limit\\\",\\\"Actual\\\",\\\"Previous Forecast Upper Limit\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Net Income (million yen)\\\",\\\"data\\\":[-1400,1587,1000],\\\"backgroundColor\\\":[\\\"#4e79a7\\\",\\\"#f28e2b\\\",\\\"#4e79a7\\\"]}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":false}}}}\"}]","ir_related_company":8834,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"financial_summary","footnotes":""},"sector":[],"importance":[],"class_list":["post-19097","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n