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Credit Saison Co (8253) investor relations material
Credit Saison Co Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary14 Nov, 2025
Executive summary
Net revenue for the six months ended September 30, 2025, rose 16.2% year-over-year to ¥228,167 million, with business profit up 12.5% to ¥45,010 million, exceeding internal targets.
Profit before tax was ¥41,144 million, a slight decrease of 1.5% year-over-year, while profit attributable to owners of parent declined 3.8% to ¥27,353 million due to special losses from share sales and withdrawal from the amusement business.
Domestic payment and finance businesses showed strong performance, offsetting temporary losses in the global segment.
India business returned to a recovery trend, while Indonesia required increased allowances for expected credit losses.
Comprehensive income surged 121.8% year-over-year to ¥37,955 million, driven by a significant increase in other comprehensive income.
Financial highlights
Basic earnings per share for the period was ¥186.64, nearly flat year-over-year.
Total assets increased to ¥4,728,396 million as of September 30, 2025, up from ¥4,671,143 million at the previous fiscal year-end.
Total equity attributable to owners of parent was ¥704,970 million, with an equity ratio of 14.9%.
Non-consolidated operating profit increased 37.8% year-over-year to ¥28.8 billion.
Dividends per share are forecast to rise to ¥130.00 for the fiscal year ending March 31, 2026, up from ¥120.00 in the prior year.
Outlook and guidance
Full-year net revenue is forecast at ¥473,500 million, up 12.0% year-over-year, with business profit expected to reach ¥96,000 million.
Profit attributable to owners of parent is projected at ¥59,000 million, reflecting special losses, and basic EPS is forecast at ¥406.32.
Dividend forecast unchanged at ¥130 per share, maintaining a payout ratio target of at least 30%.
Global business profit target delayed by 1–2 years; recovery expected from next fiscal year.
The earnings forecast reflects the impact of a stock buyback resolved in May 2025.
Drivers for profit before tax decline despite revenue growth
Global segment profit decline despite revenue growth
What drove the surge in total comprehensive income?
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Next Credit Saison Co earnings date
Q3 202613 Feb, 2026
Next Credit Saison Co earnings date
Q3 202613 Feb, 2026
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Frequently asked questions
Credit Saison Co., Ltd. is a Japanese company specializing in financial services, with a focus on credit card issuance, leasing, and financing solutions. The company offers a wide range of credit cards tailored to individual and corporate customers, along with services such as installment payments and cash advances. Credit Saison also provides leasing and rental services for businesses, as well as investment and asset management solutions. The company is headquartered in Tokyo, Japan, and its shares are listed on the Tokyo Stock Exchange (TSE).
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