Credit Saison (8253) investor relations material

Executive summary

• Achieved record-high business profit in FY26 1Q, with consolidated net revenue up 12.4% year-over-year to ¥122,462 million and business profit up 32.7% to ¥30,442 million; profit attributable to owners up 35.1% to ¥21,750 million.

• Domestic Payment and Finance segments performed above plan, while the Global segment, especially India, showed strong recovery and growth.

• Comprehensive income increased 64.5% year-over-year to ¥29,287 million, reflecting strong operational and financial performance.

• Strategic withdrawal from the amusement/entertainment business completed, with related operations reclassified under Payment segment.

Financial highlights

• Consolidated net revenue: ¥122.4B (+12.4% YoY); business profit: ¥30.4B (+32.7% YoY); profit attributable to owners: ¥21.7B (+35.1% YoY); comprehensive income: ¥29.3B (+64.5% YoY).

• Operating revenue: ¥88.8B (+7.5% YoY); operating profit: ¥16.3B (+1.1% YoY).

• Basic earnings per share improved to ¥151.42 from ¥108.85 year-over-year.

• Total assets increased to ¥5,018,896 million as of June 30, 2026, up from ¥4,952,181 million at the previous fiscal year-end.

• Equity attributable to owners of parent rose to ¥770,953 million.

Outlook and guidance

• On track to achieve full-year profit targets, with strong starts in both domestic and global segments.

• Full-year forecast for fiscal year ending March 31, 2027: net revenue ¥507,500 million (up 7.3% YoY), business profit ¥110,000 million (up 7.8%), and profit attributable to owners ¥75,500 million (up 22.3%).

• FY26 dividend forecast raised to ¥160/share, marking the sixth consecutive annual increase (payout ratio 30.4%).

• Basic earnings per share for the year forecast at ¥525.68.

• Continued focus on growth investments, strategic alliances, and M&A to drive long-term profit creation.