AEON Financial Service (8570) Q4 2026 earnings summary

Executive summary

• Consolidated operating revenue rose 6.8% year-over-year to ¥569,370 million, while operating profit declined 1.4% to ¥60,655 million and ordinary profit fell 3.0% to ¥60,693 million.

• Net profit attributable to parent company shareholders surged 34.8% year-over-year to ¥21,092 million.

• The company continued its transformation phase, reallocating management resources, divesting non-core businesses, and strengthening digital and AI-driven services.

• Domestic and overseas operations expanded, with notable growth in Malaysia and Vietnam, and new digital banking and payment initiatives.

Financial highlights

• Total assets increased by ¥557,463 million to ¥8,313,956 million; net assets rose by ¥39,443 million to ¥625,209 million.

• Cash and cash equivalents at year-end decreased by ¥132,276 million to ¥662,791 million.

• Dividend per share maintained at ¥53, with a payout ratio of 54.2%.

• Comprehensive income grew 86.5% year-over-year to ¥58,590 million.

Outlook and guidance

• For FY ending February 2027, operating revenue is forecast to rise 5.4% to ¥600,000 million, but operating and ordinary profit are expected to decline by 25.8% and 25.9%, respectively, with net profit down 28.9% to ¥15,000 million due to increased system replacement costs.

• Annual dividend forecast remains at ¥53 per share.