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Muninova (547A) investor relations material
Muninova Q4 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved Year 2 targets of the medium-term management plan, driven by revenue growth at AIFUL and AG Payment Services.
Transitioned to a holding company structure, with Muninova Holdings listed on the Tokyo Stock Exchange as of April 2026.
Solid revenue and profit growth, supported by double-digit increases in operating receivables and favorable collection environment.
Strategic alliances and acquisitions, including business alliance with Mizuho Bank and Orico, and acquisition of WebMoney business.
Financial highlights
Operating revenue for FY2026/3 was ¥214.6bn, up 13.6% year-over-year; operating profit ¥34.1bn, up 34.8%.
Ordinary profit reached ¥35.5bn, up 32.5% year-over-year; net profit attributable to owners was ¥27.1bn.
Adjusted operating profit (excluding one-time items) was ¥50.7bn, up 21.9% year-over-year.
Total receivable outstanding grew to ¥1,539.5bn, up 14.9% year-over-year.
Outlook and guidance
FY2027/3 guidance: operating revenue ¥238.6bn (+11.1%), operating profit ¥41.3bn (+21.1%), ordinary profit ¥42.0bn (+18.2%), net profit ¥32.0bn (+18.0%).
Receivable outstanding forecasted to reach ¥1,754.3bn (+13.9%).
Continued focus on cost reduction, productivity improvements, and growth investments up to ¥60bn over three years.
- Receivables and profit rose double digits, with M&A and share buyback supporting future growth.547A
Q1 202512 Apr 2026 - Double-digit revenue and profit growth, but credit risk and system losses persist.547A
Q2 202512 Apr 2026 - Double-digit revenue and profit growth, supported by lending, M&A, and new subsidiaries.547A
Q3 202512 Apr 2026 - Double-digit growth, profit gains, M&A, and higher dividends drive a strong outlook.547A
Q4 202512 Apr 2026 - Strong Q1 profit growth on double-digit revenue and receivable increases, with M&A expansion.547A
Q1 202612 Apr 2026 - Double-digit growth in receivables and profit led to an upward revision of full-year guidance.547A
Q2 202612 Apr 2026 - Double-digit profit and revenue growth, robust segment expansion, and new subsidiary consolidation.547A
Q3 202612 Apr 2026
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