AEON Financial Service (8570) Q2 2025 earnings summary

Executive summary

• Operating revenue for the six months ended August 31, 2024, rose 7.7% year-over-year to ¥255.79 billion, with operating profit up 33.8% to ¥27.14 billion and ordinary profit up 27.2% to ¥27.11 billion.

• Profit attributable to owners of parent increased 41.2% year-over-year to ¥10.22 billion, reflecting growth across all profit levels.

• The company executed strategic business portfolio reviews, digital transformation initiatives, and divested AEON Product Finance Co., Ltd.

• Key developments included the launch of digital banking in Malaysia and consolidation of settlement-related businesses in Japan.

Financial highlights

• Net income per share for the period was ¥47.32, up from ¥33.53 in the prior year.

• Total assets increased to ¥7,312.90 billion from ¥6,945.57 billion at the previous fiscal year-end.

• Net assets rose to ¥583.60 billion, with a total equity ratio of 6.4%.

• Interim dividend maintained at ¥28.00 per share, with annual dividend forecast unchanged at ¥53.00 per share.

Outlook and guidance

• Full-year revenue forecast is ¥520.0 billion (+7.1% YoY), with operating and ordinary profit both projected at ¥55.0 billion.

• Profit attributable to owners of parent is forecast at ¥21.0 billion (+0.5% YoY), with EPS of ¥97.28.

• No changes to previously announced earnings guidance.