For the third quarter of the fiscal year ending March 2026, consolidated operating revenue was JPY 1,458.171 billion (up 1.6% YoY), operating income was JPY 19.221 billion (down 16.6% YoY), and quarterly net income attributable to owners of the parent was JPY 14.593 billion (down 9.7% 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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":"8584","jir_company_name":"JACCS Co., Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-02-05","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/02\/8584-20260205-01.pdf","jir_short_summary":"For the third quarter of the fiscal year ending March 2026, consolidated operating revenue was JPY 1,458.171 billion (up 1.6% YoY), operating income was JPY 19.221 billion (down 16.6% YoY), and quarterly net income attributable to owners of the parent was JPY 14.593 billion (down 9.7% YoY).","jir_summary":"### Overview of Performance\nFor the cumulative third quarter of the fiscal year ending March 2026, consolidated operating revenue amounted to JPY 1,458.171 billion (up 1.6% YoY). Operating income was JPY 19.221 billion (down 16.6%), ordinary income was JPY 19.055 billion (down 17.4%), and quarterly net income attributable to owners of the parent was JPY 14.593 billion (down 9.7%). Domestic operations saw an increase in operating revenue driven by steady demand in credit services related to housing products and increased handling of auto loans; however, rising financial costs pressured profits. Overseas businesses posted decreases in both revenue and profit due to sluggish performance in Indonesia and reduced volumes in the Philippines, despite increased volumes in Vietnam and Cambodia.\n\n### Overview of Financial Position\nTotal assets amounted to JPY 3,854.997 billion (an increase YoY), net assets increased to JPY 299.105 billion, and the equity ratio rose to 7.6% compared to the previous year. Capital stock increased to JPY 356.8 billion, and capital surplus also grew. The number of shares outstanding increased to 45,059,992 shares.\n\n### Dividend Situation\nFor the fiscal year ending March 2026, a year-end dividend of JPY 100 per share is planned, bringing the annual total dividend to JPY 200 per share. The previous fiscal year\u2019s annual dividend was JPY 190 per share.\n\n### Consolidated Earnings Forecast for Fiscal Year Ending March 2026\nThe full-year consolidated earnings forecast projects operating revenue of JPY 1,915.0 billion (up 0.3% YoY), operating income of JPY 20.0 billion (down 22.3%), ordinary income of JPY 20.0 billion (down 22.4%), and net income attributable to owners of the parent of JPY 15.5 billion (down 16.8%). Net income per share is expected to be JPY 346.64. There have been no revisions to the recent earnings forecast.","jir_financial_highlights":"Operating Revenue: 145,817 million yen (Up 1.6% YoY)\nOperating Income: 19,221 million yen (Down 16.6% YoY)\nOrdinary Income: 19,055 million yen (Down 17.4% YoY)\nQuarterly Net Income Attributable to Owners of Parent: 14,593 million yen (Down 9.7% YoY)\nQuarterly Net Income per Share: JPY 376.12 (Decrease YoY (JPY 465.23 \u2192 JPY 376.12))\nTotal Assets: 3,854,997 million yen (Increased YoY (3,806,786 million yen \u2192 3,854,997 million yen))\nNet Assets: 299,105 million yen (Increased YoY (255,809 million yen \u2192 299,105 million yen))\nEquity Ratio: 7.6% (Increased YoY (6.5% \u2192 7.6%))\nShares Outstanding (End of Period): 45,059,992 shares (Increased YoY (35,079,161 shares \u2192 45,059,992 shares))\nConsolidated Earnings Guidance Operating Revenue: 191,500 million yen (Up 0.3% YoY)\nConsolidated Earnings Guidance Operating Income: 20,000 million yen (Down 22.3% YoY)\nConsolidated Earnings Guidance Net Income Attributable to Owners of Parent: 15,500 million yen (Down 16.8% YoY)","jir_category":"","jir_hashtags":"#JACCS_Co_Ltd, #Financial_Summary, #Japanese_Stocks","jir_key_figures":"Consolidated Operating Revenue: 145,817 million yen (Up 1.6% YoY)\nConsolidated Operating Income: 19,221 million yen (Down 16.6% YoY)\nQuarterly Net Income Attributable to Owners of Parent: 14,593 million yen (Down 9.7% YoY)","jir_meta_title":"JACCS Co., Ltd. Fiscal Year Ending March 2026 Q3 Earnings - Operating Revenue JPY 1,458 Billion, Net Income JPY 14.5 Billion","jir_meta_description":"JACCS Co., Ltd. Fiscal Year Ending March 2026 Q3 Financial Summary. Operating revenue increased 1.6% YoY to JPY 1,458.171 billion; operating income decreased 16.6% to JPY 19.221 billion; quarterly net income attributable to owners of the parent decreased 9.7% to JPY 14.593 billion.","jir_og_title":"JACCS Co., Ltd. Announces Fiscal Year Ending March 2026 Q3 Financial Summary","jir_og_description":"Operating revenue of JPY 1,458 billion, operating income of JPY 19.2 billion, net income of JPY 14.5 billion. 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