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AEON Financial Service (8570) investor relations material
AEON Financial Service Q2 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
H1 FY2027 operating revenue rose 11.9% YoY to ¥311.2bn; operating profit fell 11.0% to ¥25.209bn, while profit attributable to owners rose 14.9% to ¥10.052bn.
Revenue grew in domestic and overseas businesses, but higher expenses, including ¥7.6bn in domestic core-system costs, weighed on profit; full-year earnings and dividend forecasts were unchanged.
Financial highlights
Operating expenses increased to ¥285.992bn from ¥249.838bn; ordinary profit declined to ¥25.972bn from ¥29.192bn.
Q2 revenue was ¥157.3bn, up 11% YoY; operating profit was ¥7.7bn and parent profit was ¥1.0bn.
H1 financial revenue rose to ¥46.789bn from ¥34.981bn, while financial expenses rose to ¥40.308bn from ¥27.664bn.
Extraordinary losses fell to ¥1.151bn from ¥12.542bn; prior-period losses included ¥9.539bn on sale of subsidiary shares and ¥2.794bn of impairments.
Outlook and guidance
FY2027 forecast: operating revenue ¥600bn, operating profit ¥45bn, ordinary profit ¥45bn and parent profit ¥15bn; revenue, operating-profit and parent-profit progress was 52%, 56% and 67%.
Annual dividend forecast remains ¥53 per share, comprising ¥25 interim and ¥28 year-end; forecast basic EPS is ¥69.48.
FY2030 targets include ¥100bn operating profit, 10.0% ROE, 60 million active AEON Pay IDs and ¥5.6tn current deposits.
- Q1 FY2024 delivered robust profit growth and segment expansion, with steady full-year outlook.8570
Q1 2025 - Strong revenue and profit growth, led by domestic retail and digital banking, with stable outlook.8570
Q2 2025 - Strong profit growth and digital expansion, with strategic acquisitions in Asia.8570
Q3 2025 - Revenue and profit rose, but net profit fell on fraud losses; dividend held at ¥53 per share.8570
Q4 2025 - Revenue rose 6.7% YoY, but profits fell as financial expenses increased and asset mix shifted.8570
Q1 2026 - Revenue up 6.8% YoY, net profit jumps 34.8%, but FY2027 profit to fall on higher costs.8570
Q3 2026 - Revenue up 6.8% YoY, net profit jumps 34.8%, but FY2027 profit forecast declines on higher costs.8570
Q4 2026 - Revenue and profit rose, but net income fell on a one-time loss from a subsidiary share transfer.8570
Q2 2026 - Q1 operating profit rose 34.5% as all segments grew; annual guidance was unchanged.8570
Q1 2027
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