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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
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Credit Saison
Credit Saison (8253) investor relations material
Credit Saison Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary13 Feb, 2026
Executive summary
Net revenue for FY2025 3Q reached 353.7 billion yen, up 12.8% year-over-year, with business profit at 83.3 billion yen, a 4.3% increase year-over-year.
Profit attributable to owners of parent was 48.8 billion yen, down 15.3% year-over-year, mainly due to extraordinary and one-time losses such as the sale of shares in affiliates and impairment losses.
Comprehensive income increased 23.9% year-over-year to 74.4 billion yen, driven by gains in other comprehensive income.
Domestic operations saw solid growth, especially in Payment and Finance segments, while overseas operations entered a profit recovery phase.
Basic earnings per share for the nine months was 335.09 yen, down from 362.53 yen year-over-year.
Financial highlights
Operating revenue rose to 256.8 billion yen (up 12.1% year-over-year), and operating profit increased to 48.7 billion yen (up 24.2% year-over-year).
Ordinary profit was 55.3 billion yen, up 18.2% year-over-year.
Net revenue reached 353.7 billion yen, up from 313.5 billion yen in the prior year period.
Basic earnings per share for the nine months was 335.09 yen, down from 362.53 yen year-over-year.
Progress rates toward full-year plans: net revenue 74.7%, business profit 86.8%, profit attributable to owners of parent 82.7%.
Outlook and guidance
Full-year net revenue is forecast at 473.5 billion yen, up 12.0% year-over-year, with business profit expected to rise 2.5% to 96.0 billion yen.
Profit attributable to owners of parent is projected to decrease 11.1% to 59.0 billion yen, with basic EPS forecast at 406.32 yen.
Full-year guidance remains unchanged, with a focus on sustainable growth and further profitability improvements through premium strategies and business restructuring.
Annual dividend per share is forecast to increase to 130.00 yen for the fiscal year ending March 31, 2026.
Continued consideration of additional share buybacks and ongoing reduction of cross-shareholdings.
Identify key drivers of profit before tax decline
Analyze Global segment's profit swing to loss
Explain dividend increase despite profit decline
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Next Credit Saison earnings date
Q4 202615 May, 2026
Credit Saison
Next Credit Saison earnings date
Q4 202615 May, 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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