Fintech: Core operating profit of ¥3 billion or more and transition to an earnings growth phase
First written in FY2024. 3 of 9 entries say "Advanced", first in FY2025-H1. Latest entry: FY2026.
No other company in this theme has enough history to compare yet.
- FY2026RaisedAnnual report
「② Fintech: Strengthen the user experience by seamlessly connecting payment and credit functions through partnerships, and target core operating profit of at least ¥10 billion by expanding everyday use and creating credit opportunities」
The Fintech core operating profit target was raised from the previous ¥5-7.5 billion to at least ¥10 billion for the fiscal year ending June 2027. - FY2026-H1AdvancedAnnual report
「Fintech is working to establish products that will be chosen for all kinds of everyday payment and credit needs. During the interim consolidated fiscal period, payments within and outside Mercari expanded alongside the acquisition of Merpay Card members, bringing receivables (Note 2) to ¥300.7 billion, up 41.0% year on year. The collection rate (Note 3) remained at 99.3%, supported by strict credit controls using proprietary AI credit assessment. As a result, revenue continued to grow strongly, up 21.0% year on year, or 33.4% excluding the accounting treatment under which part of point expenses is deducted from revenue. Core operating profit increased by ¥2.9 billion year on year to ¥4.6 billion despite aggressive investment mainly to acquire Merpay Card members.」
Fintech advanced the acquisition of Mercard members and expansion of payments to establish a foundation for products chosen by customers, resulting in core operating profit of ¥4.6 billion. - FY2025RaisedAnnual report
「② Fintech: Establish a foundation for products chosen for everyday payments and credit services, with a target of core operating profit of ¥5-7.5 billion」
The target for core operating profit in the fiscal year ending June 2026 was raised from the previous target of at least ¥3 billion to ¥5-7.5 billion. - FY2025-H1AdvancedAnnual report
「As receivables steadily accumulated, Fintech entered a phase of sustained earnings growth from the current consolidated fiscal year. By pursuing management focused on monetization, Fintech recorded core operating profit of ¥1.6 billion in the interim consolidated fiscal period.」
Fintech entered a sustained earnings growth phase from the consolidated fiscal year, and core operating profit for the first six months was ¥1.6 billion. Achievement of the full-year target of core operating profit of at least ¥3 billion has not been determined in this filing. - FY2024First statedAnnual report
「② Fintech: Transition to a sustained earnings growth phase through the steady accumulation of receivables, with a target of core operating profit of at least ¥3 billion」
For Fintech, the Company presented, for the first time, a specific target of transitioning to a sustained earnings growth phase while accumulating Credit receivables, with core operating profit of at least ¥3 billion.