Credit Saison (8253) investor relations material

Executive summary

• Achieved consolidated business profit of ¥101.9 billion in FY25, surpassing the medium-term plan target a year early, with record-high profits for two consecutive years.

• Net revenue rose 11.8% year-over-year to ¥472.7 billion for FY25.

• Profit attributable to owners of parent declined 5.5% year-over-year to ¥62.7 billion due to non-recurring losses.

• Comprehensive income surged 46.5% year-over-year to ¥97.0 billion, driven by strong other comprehensive income.

• ROE improved to 9.4% in FY25, with a target to exceed 10% under the next medium-term plan.

Financial highlights

• FY25 net revenue rose to ¥472.7 billion, up 11.8% year-over-year.

• Consolidated business profit increased 8.9% year-over-year to ¥101.9 billion.

• Profit before tax decreased 1.7% year-over-year to ¥91.2 billion.

• Basic earnings per share was ¥432.17, up from ¥423.02 the previous year.

• Total assets grew to ¥4,953.2 billion, up from ¥4,671.1 billion a year earlier.

Outlook and guidance

• FY26 forecast: net revenue of ¥507.5 billion (+7.3% YoY), business profit of ¥110.0 billion (+7.8% YoY), and profit attributable to owners of parent of ¥75.5 billion (+20.3% YoY).

• Dividend per share expected to rise to ¥160 in FY26, marking the sixth consecutive annual increase.

• Continued focus on balancing stable results with growth investments, especially in global and digital businesses.