Acom (8572) Q4 2025 earnings summary

Executive summary

• Achieved consolidated outstanding balance of ¥2,714.1bn, up 7.2% year-over-year, driven by domestic borrowing and yen depreciation against the baht.

• Operating revenue rose 7.8% year-over-year to ¥317.7bn, but operating profit fell 32.2% to ¥58.5bn due to increased provisions for interest repayment losses.

• Profit attributable to owners dropped 39.5% year-over-year to ¥32.1bn.

• Completed medium-term management plan, focusing on stakeholder expectations and operational improvements.

Financial highlights

• Loan and Credit Card Business receivables outstanding increased 7.2% year-over-year to ¥1,073.3bn; customer accounts rose 6.6% to 1,908 thousand.

• Guarantee Business receivables up 6.7% year-over-year to ¥1,364.5bn; customer accounts up 7.3% to 2,037 thousand.

• Overseas Financial Business receivables up 9.7% year-over-year to ¥266.7bn (yen basis), but down 2.5% in local currency at EASY BUY (Thailand).

• Ordinary profit was ¥58.9bn, down 32.1% year-over-year; comprehensive income was ¥56.2bn, down 22.1%.

• Bad debt expenses (consolidated) rose 7.9% year-over-year to ¥105.6bn.

Outlook and guidance

• FY March 2026 forecast: consolidated receivables outstanding to reach ¥2,874.2bn (+5.9% year-over-year), operating revenue ¥331.8bn (+4.4%), operating profit ¥88.6bn (+51.3%), and profit attributable to owners ¥72.2bn (+124.8%).

• Annual dividend for FY2026 planned at ¥20 per share (¥10 interim, ¥10 year-end).

• Number of new customers expected at 364,000 for FY March 2026.

• Drawdown for loss on interest repayment estimated to decrease by around 25% year-over-year in FY March 2026.