Credit Saison (8253) investor relations material

Executive summary

• Consolidated net revenue rose 12.4% year-on-year to ¥122.4 billion, with business profit up 32.7% to ¥30.4 billion and profit attributable to owners at ¥21.7 billion, marking a record high for the first quarter.

• Comprehensive income increased 64.5% year-on-year to ¥29,287 million, reflecting strong operational and financial performance.

• Domestic Payment and Finance segments performed above plan, while Global business, especially India, showed strong recovery and growth.

• Strategic withdrawal from the amusement business completed, with related operations reclassified under Payment Business and a ¥3.2 billion loss recognized in non-consolidated results.

Financial highlights

• Consolidated net revenue: ¥122.4B (+12.4% YoY); business profit: ¥30.4B (+32.7% YoY); profit attributable to owners: ¥21.7B (+35.1% YoY).

• Operating revenue: ¥88.8B (+7.5% YoY); operating profit: ¥16.3B (+1.1% YoY).

• Basic earnings per share improved to ¥151.42 from ¥108.85 year-over-year.

• Total assets increased to ¥5,018,896 million as of June 30, 2026.

• Progress rates toward full-year plan: net revenue 24.1%, business profit 27.7%, profit attributable to owners 28.8%.

Outlook and guidance

• Full-year forecast: net revenue ¥507,500 million (+7.3% YoY), business profit ¥110,000 million (+7.8%), profit attributable to owners ¥75,500 million (+22.3%).

• Basic earnings per share forecast at ¥525.68; annual dividend forecast raised to ¥160/share, marking the sixth consecutive annual increase.

• Positive outlook for the remainder of the fiscal year, with strong progress against annual plans and continued focus on growth investments, alliances, and M&A.