AEON Financial Service (8570) Q1 2027 earnings summary

Executive summary

• Q1 FY2026 operating revenue was ¥153,881 million (+12.7% YoY), operating profit ¥17,486 million (+34.5%), and net profit attributable to owners ¥8,966 million (+105.8%).

• Consolidated active IDs reached 60.58 million, up 1.07 million from the period start; operating receivables and transaction volumes also increased.

• Growth reflected financial services and digital initiatives; domestic core systems launched in June, and an absorption-type merger with AFS Corporation was completed in May.

Financial highlights

• Revenue increased ¥17,325 million YoY, operating profit rose ¥4,488 million, and net profit attributable to owners increased ¥4,608 million.

• Domestic revenue was ¥89.1bn (+10% YoY) and operating profit ¥5.9bn (+72%); overseas revenue was ¥65.3bn (+16%) and profit ¥11.5bn (+23%).

• Basic and diluted EPS were ¥41.53, versus ¥20.19 in Q1 FY2025; comprehensive income was ¥1,498 million, versus a ¥6,670 million loss.

Outlook and guidance

• FY2026 forecast: revenue ¥600.0bn, operating and ordinary profit ¥45.0bn, net income ¥15.0bn, and ROE 3.2%.

• FY2027 forecast: revenue ¥600,000 million, operating profit ¥45,000 million, net profit attributable to owners ¥15,000 million, and EPS ¥69.48; forecasts were unchanged.

• FY2026 revenue forecast is ¥30.7bn above FY2025 results, while operating profit is forecast ¥15.6bn lower; annual dividend guidance is ¥53 per share.

• Domestic cost reform targets ¥2.7bn improvement in FY2026 and ¥6.0bn in FY2027, measured against FY2025.