Growth in financial services revenue and a return to profitability
First written in FY2016-Q3. 28 of 35 entries say "Advanced", first in FY2016. Latest entry: 2026-08-14.
No other company in this theme has enough history to compare yet.
- FY2026-H1AdvancedAnnual report
「Revenue was ¥11,108 million, up 16.8% year on year. Segment profit (operating profit) was ¥3,692 million, up 33.5%, as improved credit assessment accuracy and stronger collection operations kept the non-collection rate for postpay payment services stable at a low level, allowing credit-related expenses to be kept at a certain level, while lending services for overseas FinTech companies expanded while maintaining credit quality.」
The financial services business increased revenue by 16.8% and profit by 33.5%. The company cited improved credit assessment accuracy and stronger collection operations for postpay services, as well as growth in overseas lending while maintaining credit quality, as factors behind the increase in profit. - FY2025AdvancedAnnual report
「Revenue was ¥19,188.123 million, up 16.6% year on year. Segment profit (operating profit) was ¥5,407.577 million, up 31.7%, as improved credit assessment accuracy in postpay payment services kept the non-collection rate stable at a low level, allowing credit-related expenses to be kept at a certain level, and remittance services and lending services for overseas FinTech companies expanded.」
The financial services business increased revenue by 16.6% and profit by 31.7%. The company cited improved credit assessment accuracy and a stable low non-collection rate for postpay services, as well as growth in remittance and overseas lending, as factors behind the increase in profit. - FY2025-H1AdvancedAnnual report
「Revenue was ¥9,509.605 million, up 15.7% year on year. Segment profit (operating profit) was ¥2,765.011 million, up 35.3%, as improved credit assessment accuracy in postpay payment services kept the non-collection rate stable at a low level, allowing credit-related expenses to be kept at a certain level, and lending services for overseas FinTech companies expanded.」
The financial services business increased revenue by 15.7% and profit by 35.3%. The company cited improved credit assessment accuracy, a stable low non-collection rate for postpay services, and growth in overseas lending as factors behind the increase in profit. - FY2024AdvancedAnnual report
「As a result, revenue was ¥16,462.355 million, up 16.8% year on year. Segment profit (operating profit) was ¥4,104.615 million, up 49.2%, as the non-collection rate for postpay payment services declined further, allowing credit-related expenses to be kept at a certain level, and lending services for overseas FinTech companies expanded.」
The financial services business increased revenue by 16.8% and segment profit by 49.2%. The company attributed the increase in profit to lower credit-related expenses resulting from a decline in the non-collection rate for postpay services and growth in overseas lending. - FY2024-Q2AdvancedAnnual report
「Revenue was ¥8,216.799 million, up 19.4% year on year. Segment profit (operating profit) was ¥2,043.432 million, up 38.1%, as the collection rate for postpay payment services improved, allowing credit-related expenses to be kept at a certain level, and lending services for overseas FinTech companies expanded.」
The financial services business increased revenue by 19.4% and segment profit by 38.1%. The company attributed the increase in profit to lower credit-related expenses resulting from a decline in the non-collection rate for postpay services and growth in overseas lending. - FY2024-Q1AdvancedAnnual report
「Revenue was ¥4,018.390 million, up 19.7% year on year. Segment profit (operating profit) was ¥800.493 million, up 30.1%, as the company was able to keep credit-related expenses for its postpay payment services at a certain level and its lending services for overseas FinTech companies expanded.」
The financial services business increased revenue by 19.7% and segment profit by 30.1%. The company attributed the increase in profit to keeping credit-related expenses for postpay services at a certain level and growth in overseas lending. - FY2023-Q3AdvancedAnnual report
「As a result, revenue was ¥10,393.189 million, up 23.5% year on year, while segment profit (operating profit) was ¥2,270.585 million, up 10.2%, due to higher credit-related costs for GMO Postpay and changes in the segment's revenue mix.」
The financial services business increased revenue by 23.5% and segment profit by 10.2%. Higher credit-related costs for GMO Postpay and changes in the revenue mix continued to be cited as factors limiting profit growth. - FY2023-Q2AdvancedAnnual report
「Revenue was ¥6,879.418 million, up 21.3% year on year, while segment profit (operating profit) was ¥1,479.802 million, up 2.2%, due to higher credit-related costs for GMO Postpay and changes in the segment's revenue mix.」
The financial services business continued to increase revenue, with segment profit turning from a 2.5% year-on-year decline in FY2023-Q1 to a 2.2% increase in the cumulative second quarter. Meanwhile, credit-related costs for GMO Postpay continued to rise. - FY2023-Q1WorsenedAnnual report
「Revenue was ¥3,356.203 million, up 21.0% year on year, but segment profit (operating profit) was ¥615.450 million, down 2.5%, due to higher credit-related costs for GMO Postpay and changes in the segment's revenue mix.」
The financial services business continued to increase revenue, while segment profit fell 2.5% year on year due to higher credit-related costs for GMO Postpay and changes in the revenue mix. - FY2022AdvancedAnnual report
「Revenue was ¥11,402.183 million, up 12.3% year on year, and segment profit (operating profit) was ¥2,466.696 million, up 17.8%.」
The financial services business increased both revenue and profit for the full year, with revenue up 12.3% and segment profit up 17.8%. - FY2022-Q3AdvancedAnnual report
「Revenue was ¥8,414.516 million, up 11.3% year on year, and segment profit (operating profit) was ¥2,061.007 million, up 22.0%.」
The financial services business increased both revenue and profit through the cumulative third quarter, with revenue up 11.3% and segment profit up 22.0%. - FY2022-Q2AdvancedAnnual report
「Revenue was ¥5,669.128 million, up 11.3% year on year, and segment profit (operating profit) was ¥1,448.543 million, up 24.8%.」
The financial services business continued to increase both revenue and profit, with revenue up 11.3% year on year and segment profit up 24.8%. - FY2022-Q1AdvancedAnnual report
「Revenue was ¥2,772.849 million, up 11.7% year on year, and segment profit (operating profit) was ¥630.956 million, up 28.9%.」
The financial services business continued to increase both revenue and profit, with revenue up 11.7% year on year and segment profit up 28.9%. - FY2021AdvancedAnnual report
「Revenue was ¥10,151.451 million, up 7.8% year on year, and segment profit (operating profit) was ¥2,093.180 million, up 16.3%.」
The financial services business increased both revenue and profit for the full year, with revenue up 7.8% and segment profit up 16.3%. - FY2021-Q3AdvancedAnnual report
「As a result, revenue was ¥7,558.425 million, up 10.1% year on year, and segment profit (operating profit) was ¥1,689.120 million, up 26.3%.」
The financial services business increased revenue by 10.1% year on year and segment profit by 26.3%. The company cited its ability to keep credit-related expenses for GMO Postpay at a certain level, the expansion of early-payment services and other businesses, and progress in developing new lending customers. - FY2021-Q2AdvancedAnnual report
「As a result, revenue was ¥5,092.720 million, up 16.7% year on year, and segment profit (operating profit) was ¥1,160.380 million, up 39.9%.」
The financial services business increased revenue by 16.7% year on year and segment profit by 39.9%. The company attributed the growth to the expansion of GMO Postpay, remittance and early-payment services, among others, and the containment of credit-related expenses. - FY2021-Q1AdvancedAnnual report
「As a result, revenue was ¥2,483.398 million, up 18.1% year on year, and segment profit (operating profit) was ¥489.533 million, up 45.4%.」
The financial services business increased revenue by 18.1% and segment profit by 45.4%. The company attributed the improvement in profit to growth in transaction volume for GMO Postpay and the containment of credit-related expenses. - FY2020-Q3WorsenedAnnual report
「Revenue from the financial services business was ¥6,868.145 million, up 19.6% year on year, while segment profit (operating profit) was ¥1,337.233 million, down 9.5%.」
The financial services business continued to increase revenue, while segment profit fell 9.5% year on year. The company attributed this to the absence of the temporary expense reduction recorded in the same period of the previous year and the impact of lower revenue from some services. - FY2020-Q2WorsenedAnnual report
「Segment profit (operating profit) was ¥829.669 million, down 16.0% year on year.」
The financial services business increased revenue by 13.8%, while segment profit fell 16.0% year on year. The company attributed this to the absence of the temporary expense reduction recorded in the same period of the previous year and a decline in revenue from some services. - FY2020-Q1WorsenedAnnual report
「As a result, revenue was ¥2,102.490 million, up 4.4% year on year. Although various company initiatives to reduce credit risk temporarily lowered expenses in the same period of the previous year and expenses continued to be kept at a low level in the cumulative first quarter of the current fiscal year, the temporary expense reduction seen in the same period of the previous year did not recur. In addition, the decline in some services resulted in segment profit (operating profit) of ¥336.618 million, down 47.9% year on year.」
The financial services business increased revenue by 4.4%, while segment profit fell 47.9% due to the absence of the temporary expense reduction recorded in the same period of the previous year and a decline in some services. - FY2019AdvancedAnnual report
「As a result, revenue was ¥7,478 million, up 19.6% year on year. In addition to the effect of higher revenue and lower expenses from various efforts to reduce credit risk, one-time gains in the fiscal year contributed to segment profit (operating profit) of ¥1,973 million, up 43.2%.」
Revenue in the financial services business increased 19.6% and segment profit increased 43.2%. The increase was attributed to higher revenue, lower expenses from reduced credit risk and one-time gains. - FY2019-Q3AdvancedAnnual report
「As a result, revenue was ¥5,745 million, up 25.4% year on year. In addition to the effect of higher revenue, various efforts to reduce credit risk lowered expenses, resulting in segment profit (operating profit) of ¥1,478 million, up 69.0%.」
Revenue in the financial services business increased 25.4% year on year and segment profit increased 69.0%. In addition to growth in GMO Payment After Delivery, remittance services and lending to overseas businesses, lower expenses from reduced credit risk were cited as a factor behind the improvement in profitability. - FY2019-Q2AdvancedAnnual report
「As a result, revenue was ¥3,834 million, up 23.4% year on year. In addition to the effect of higher revenue, various efforts to reduce credit risk lowered expenses, resulting in segment profit (operating profit) of ¥988 million, up 69.3%.」
Revenue in the financial services business increased 23.4% year on year and segment profit increased 69.3%. Growth in GMO Payment After Delivery, remittance services and lending to overseas businesses, together with lower expenses from reduced credit risk, were cited as factors behind the improvement in profitability. - FY2019-Q1AdvancedAnnual report
「As a result, revenue was ¥2,014 million, up 32.0% year on year. In addition to the effect of higher revenue, various efforts to reduce credit risk lowered expenses, resulting in segment profit (operating profit) of ¥646 million, up 66.7%.」
Revenue in the financial services business increased 32.0% year on year and segment profit increased 66.7%. The company explained that lower expenses resulting from efforts to reduce credit risk also contributed to the increase in profit. - FY2018AdvancedAnnual report
「As a result, revenue was ¥6,255 million, up 25.9% year on year. In addition, efforts to reduce credit risk lowered selling, general and administrative expenses, resulting in segment profit (operating profit) of ¥1,378 million, up 847.4% year on year.」
Revenue in the financial services business increased 25.9%, while segment profit increased 847.4% year on year to ¥1,378 million. The company also explained the contribution from efforts to reduce credit risk and lower expenses. - FY2018-Q3AdvancedAnnual report
「As a result of these initiatives, revenue was ¥4,581 million, up 32.8% year on year, and segment profit (operating profit) was ¥874 million, compared with a segment loss (operating loss) of ¥93 million in the previous year.」
Revenue in the financial services business increased 32.8% year on year, and the business changed from an operating loss of ¥93 million in the previous year to operating profit of ¥874 million. - FY2018-Q2AdvancedAnnual report
「As a result, revenue was ¥3,106 million, up 50.0% year on year, and segment profit (operating profit) was ¥583 million, compared with a segment loss (operating loss) of ¥87 million in the previous year.」
Revenue in the financial services business increased 50.0% year on year, and the business changed from an operating loss in the previous year to operating profit of ¥583 million. The company explained that growth in GMO Payment After Delivery, the early payment service and remittance services contributed to higher revenue and improved profitability. - FY2018-Q1AdvancedAnnual report
「As a result, revenue was ¥1,526 million, up 58.2% year on year, and segment profit (operating profit) was ¥388 million, up 135.5%.」
Revenue in the financial services business increased 58.2% year on year and segment profit increased 135.5%, with the improvement in profitability reflected in the figures. - FY2017-Q3RestatedAnnual report
「As a result, net sales were ¥4,105 million, up 164.0% year on year. Due to higher selling expenses associated with the expansion of the money services business (MSB), the segment loss (operating loss) was ¥22 million, compared with segment profit (operating profit) of ¥160 million in the previous year.」
The financial services business increased net sales 164.0% year on year, but remained in a position of changing from operating profit in the previous year to an operating loss due to higher selling expenses associated with MSB expansion. - FY2017-Q2WorsenedAnnual report
「As a result, net sales were ¥2,515 million, up 165.5% year on year. Due to higher selling expenses associated with the expansion of the money services business (MSB), the segment loss (operating loss) was ¥62 million, compared with segment profit (operating profit) of ¥96 million in the previous year.」
The financial services business increased net sales 165.5% year on year, but changed from operating profit in the previous year to an operating loss due to higher selling expenses associated with MSB expansion. - FY2017-Q1AdvancedAnnual report
「The financial services business (money services business, or MSB) offers an early payment service that sets settlement cycles to meet merchants’ needs and improve cash flow, transaction lending that provides growth capital, and the GMO-PG Remittance Service. Through consolidated subsidiary GMO Payment Service, it also provides the deferred-payment service GMO Payment After Delivery.」
The financial services business recorded net sales of ¥1,189 million, up 177.5% year on year, and segment profit of ¥178 million, up 323.9%. - FY2016AdvancedAnnual report
「In the financial services business, the money services business (MSB), including the GMO-PG Remittance Service and GMO Payment After Delivery, grew. As a result, net sales were ¥2,243 million, up 163.5% year on year, and segment profit (operating profit) was ¥217 million, compared with a segment loss (operating loss) of ¥22 million in the previous year.」
For the full year, net sales in the financial services business increased 163.5% year on year, and the business changed from an operating loss in the previous year to operating profit of ¥217 million. - FY2016-Q3First statedAnnual report
「In the financial services business, the money services business (MSB), including the GMO-PG Remittance Service and GMO Payment After Delivery, grew. As a result, net sales were ¥1,554 million, up 195.3% year on year, and segment profit (operating profit) was ¥160 million, compared with a segment loss (operating loss) of ¥22 million in the previous year.」
The financial services business moved from an operating loss in the previous year to operating profit, while net sales increased 195.3% year on year.