Money Forward (3994) Investor presentation summary

Growth trajectory and business overview

• Achieved a 35% revenue CAGR over the past four years, led by 40% growth in the Business segment through new business development and M&A.

• Offers one of Japan's largest SaaS/fintech product lineups, serving over 490,000 corporate customers and 18.3 million individual users.

• Stable recurring revenue model with 79% of sales from subscriptions and a low churn rate of 0.8%.

• Strategic focus on expanding the Business segment, targeting ¥90bn+ net sales and ¥27bn+ EBITDA by FY11/28.

MVVC, sustainability, and human capital

• Mission centers on moving users', society's, and employees' lives forward through technology and design.

• Recognized with an MSCI ESG rating of "AA" for four consecutive years and inclusion in all GPIF-adopted ESG indices.

• Published "Talent Forward Strategy" to maximize individual and organizational potential, earning top honors in recruitment rankings.

• Diverse workforce with 63.3% of engineers being non-Japanese and 43.3% of employees as designers or engineers.

Services and product lineup

• Comprehensive SaaS solutions for back-office operations, including accounting, HR, legal, and fintech, with modular offerings for various company sizes.

• Money Forward ME is Japan's leading PFM app, integrated with 2,430+ financial services and 18.3 million users.

• Strategic partnerships with financial institutions and accounting firms drive adoption and user growth.

• Launched AI-powered features and agents to automate accounting, expense, and contract management.