AEON Financial Service (8570) Q2 2026 earnings summary

Executive summary

• Operating revenue for the six months ended August 31, 2025, rose 8.7% year-over-year to ¥278,160 million, with operating profit up 4.3% to ¥28,322 million and ordinary profit up 7.7% to ¥29,192 million, driven by higher transaction volumes and receivables both domestically and internationally.

• Net income attributable to owners of parent declined 14.4% year-over-year to ¥8,745 million due to an extraordinary loss from the transfer of AEON Allianz Life Insurance shares.

• The company continued its transformation phase, optimizing its business portfolio and advancing digital initiatives, including a strategic partnership with AND Global for AI-driven lending and credit assessment.

• The Japanese economy showed a recovery trend, but rising costs and cautious consumer spending persisted; Asian markets faced slow recovery and inflationary pressures.

Financial highlights

• Operating revenue: ¥278,160 million (+8.7% YoY); Operating profit: ¥28,322 million (+4.3% YoY); Ordinary profit: ¥29,192 million (+7.7% YoY).

• Net income per share: ¥40.51 (down from ¥47.32 YoY).

• Comprehensive income for the period: ¥9,464 million, down from ¥19,711 million YoY.

• Interim dividend set at ¥28.00 per share, with annual forecast unchanged at ¥53.00.

Outlook and guidance

• Full-year forecast for FY2025 ending February 2026: operating revenue ¥570,000 million (+6.9% YoY), operating profit ¥57,000 million (+7.3% YoY), net income attributable to owners of parent ¥21,000 million (+34.2% YoY), EPS ¥97.28.

• No changes to previously announced earnings or dividend forecasts.