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AEON Financial Service (8570) investor relations material
AEON Financial Service Q1 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Operating revenue for Q1 FY2026 was ¥153,881 million, up 12.7% year-over-year, with operating profit at ¥17,486 million (up 34.5%) and net profit attributable to owners at ¥8,966 million (up 105.8%).
Growth was driven by expanded financial services, digital initiatives, and strengthened management through business portfolio review and organizational streamlining.
The company absorbed AFS Corporation and upgraded its core credit card system, enhancing group governance and operational efficiency.
Financial highlights
Operating revenue increased by ¥17,325 million year-over-year; operating profit rose by ¥4,488 million; net profit attributable to owners increased by ¥4,608 million.
Basic and diluted EPS for Q1 FY2026 were ¥41.53, up from ¥20.19 in Q1 FY2025.
Comprehensive income for Q1 FY2026 was ¥1,498 million, compared to a loss of ¥6,670 million in Q1 FY2025.
Outlook and guidance
FY2027 forecast: operating revenue ¥600,000 million (+5.4% YoY), operating profit ¥45,000 million (–25.8% YoY), net profit attributable to owners ¥15,000 million (–28.9% YoY), EPS ¥69.48.
No changes to previously announced earnings forecasts.
- 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
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