Credit Saison (8253) Q1 2027 earnings summary

Executive summary

• Achieved record-high consolidated profit for the first quarter, with net revenue of ¥122.4 billion (up 12.4% year-on-year), business profit of ¥30.4 billion (up 32.7% year-on-year), and profit attributable to owners of parent at ¥21.7 billion (up 35.1% year-on-year).

• Comprehensive income increased 64.5% year-on-year to ¥29,287 million, reflecting strong operational and financial performance.

• Domestic Payment and Finance segments performed above plan, while the Global business, especially India, showed strong recovery and growth.

• Strategic withdrawal from the amusement business completed, with related operations reclassified under Payment Business.

• Non-consolidated profit was 80% year-on-year due to a ¥3.2 billion loss from the divestiture of the amusement business.

Financial highlights

• Consolidated net revenue: ¥122.4 billion, up 12.4% year-on-year; business profit: ¥30.4 billion, up 32.7% year-on-year; profit attributable to owners: ¥21.7 billion, up 35.1% year-on-year.

• Operating revenue: ¥88.8 billion, up 7.5% year-on-year; operating profit: ¥16.3 billion, up 1.1% year-on-year.

• Basic earnings per share improved to ¥151.42 from ¥108.85 year-on-year.

• Total assets increased to ¥5,018,896 million as of June 30, 2026.

• Progress rates toward full-year plan: net revenue 24.1%, business profit 27.7%, profit attributable to owners 28.8%.

Outlook and guidance

• Confident in achieving full-year targets, with sufficient progress in the first quarter and strong starts in both domestic and global segments.

• Full-year forecast for fiscal year ending March 31, 2027: net revenue ¥507,500 million (up 7.3%), business profit ¥110,000 million (up 7.8%), and profit attributable to owners of parent ¥75,500 million (up 22.3%).

• Annual dividend forecast raised to ¥160 per share, marking the sixth consecutive annual increase.

• Continued focus on growth investments, strategic alliances, and M&A to drive long-term profit creation.

• Basic earnings per share for the year forecast at ¥525.68.