Acom (8572) Q3 2026 earnings summary

Executive summary

• Consolidated receivables outstanding rose 6.9% YoY to ¥2,836.2 billion, driven by strong domestic borrowing and business expansion.

• Operating revenue increased 6.1% YoY to ¥251.3 billion, with operating profit up 9.8% YoY to ¥82.0 billion.

• Profit attributable to owners of parent surged 46.4% YoY to ¥72.2 billion, mainly due to favorable tax effects.

• Comprehensive income for the period was ¥70,924 million, up 16.7% YoY.

Financial highlights

• Loan and Credit Card Business receivables outstanding grew 7.0% YoY to ¥1,127.1 billion; customer accounts rose 5.6% YoY.

• Guarantee Business receivables outstanding increased 7.8% YoY to ¥1,437.4 billion; customer accounts up 7.7% YoY.

• Overseas Financial Business receivables outstanding rose 1.7% YoY to ¥261.3 billion, mainly due to yen depreciation.

• Total assets as of December 31, 2025, increased by ¥70,479 million to ¥1,556,888 million.

• Net assets rose by ¥42,932 million to ¥751,968 million, with shareholders' equity ratio improving to 44.6%.

Outlook and guidance

• FY March 2026 forecast: operating revenue to reach ¥331.8 billion (+4.4% YoY), operating profit ¥88.6 billion (+51.3% YoY), and profit attributable to owners of parent ¥72.2 billion (+124.8% YoY).

• Consolidated receivables outstanding projected at ¥2,874.2 billion (+5.9% YoY).

• No. of requests for interest repayment expected to decline by ~20% YoY.

• No amendments to the business results forecast have been made.