FY2026 First-Quarter Financial Results Presentation | Finatext Holdings Ltd. (4419) timely disclosure

Worth reading

67In focus

Scored from 5 of 6 sections

Direction

Mixed performance

Direction inferred from the company’s description.

Scale

Year-on-year change (revenue, %)

Wording

Conditional

How definitive the wording is.

Contents of this document

Earnings presentationFY2026 First Quarter6 items taken from the company’s own explanation

Financial Results Figures (The key points of this material are explained below)

Net Sales¥2,843 million+35.0%

Operating profit¥188 million-16.0%

Ordinary income¥167 million-22.0%

Net income¥565 million+54.0%

Gross Profit Margin68%

Operating profit margin7%

Selling, general and administrative expenses¥1,603 million

Results for the three months of the current quarter

Net Sales

¥2,843 million

Gross profit

¥1,926 million

Operating profit

¥188 million

Ordinary income

¥167 million

Net income

¥565 million

EBITDA

¥323 million

Full-year earnings forecast

Net Sales

¥15,500 million

EBITDA

¥3,880 million

Profit attributable to owners of the parent

¥2,320 million

Number of partners

70 companies

Progress against full-year forecast　通期の予想に対して、いまどこまで進んだかの割合です。

Net Sales18%

What the company explained in this material

Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.

Usage-based revenue+95% year on year
Recurring revenue+33% year on year
Income tax adjustments+¥579 million
Depreciation and amortization, goodwill amortization, and share-based compensation expense+84% year on year

New initiatives

Development of an AI workflow platform and its application to the claims assessment operations of Nissay Plus Small Amount & Short-Term Insurance
Development of Finstage Cowork
Development of a local LLM text-processing platform
Entry into credit card issuance infrastructure
Collaboration with TRUSTART to build a database of company-owned real estate
Launch of a credit information module
Expansion into corporate lending

Key KPIsA metric the company considers important as a management benchmark.

Number of financial infrastructure partners53 companies
Year on year against the same period last year+3 companies from previous fiscal year-end
Full-year forecast number of financial infrastructure partners70 companies
Year on year against the same period last year+20 companies from previous fiscal year-end
Cash and deposits¥5,400 million
Number of merchant-name mappings300,000 Cases/month
Cost reduction rate versus the OpenAI API95.7 %
Reduction in manual verification98 %

Segment results

Financial Infrastructure

Net Sales

¥1,798 million

Year on year against the same period last year+23%

Operating profit

¥14 million

Year-on-year change-¥175 million

Data AI

Net Sales

¥764 million

Year on year against the same period last year+63%

Fintech Shift

Net Sales

¥281 million

Year on year against the same period last year+58%

Medium-term management plan targets

Net Sales

¥30,000 million

EBITDA

¥10,000 million

Market Size / Share

Number of companies covered by the company-originated owned real estate database

240,000 companies

Number of companies covered by comparable services

4,000 companies

Contents of this document
Item	Details
Document type	Earnings presentation
Fiscal Period Covered	FY2026 First Quarter
Net Sales	¥2,843 million (YoY +35.0%)
Operating profit	¥188 million (YoY -16.0%)
Ordinary income	¥167 million (YoY -22.0%)
Net income	¥565 million (YoY +54.0%)
Gross Profit Margin	68%
Operating profit margin	7%
Selling, general and administrative expenses	¥1,603 million
Results for the three months of the current quarter	Net Sales ¥2,843 million / Gross profit ¥1,926 million / Operating profit ¥188 million / Ordinary income ¥167 million / Net income ¥565 million / EBITDA ¥323 million
Full-year earnings forecast	Net Sales ¥15,500 million / EBITDA ¥3,880 million / Profit attributable to owners of the parent ¥2,320 million / Number of partners 70 companies
Progress against full-year forecast	Net Sales 18%
Segment results	Financial Infrastructure Net Sales ¥1,798 million / Year on year against the same period last year +23% / Operating profit ¥14 million / Year-on-year change -¥175 million / Data AI Net Sales ¥764 million / Year on year against the same period last year +63% / Fintech Shift Net Sales ¥281 million / Year on year against the same period last year +58%
Breakdown of Factors Affecting the Change	Factors Usage-based revenue / Amount +95% year on year, Factors Recurring revenue / Amount +33% year on year, Factors Income tax adjustments / Amount +¥579 million, Factors Depreciation and amortization, goodwill amortization, and share-based compensation expense / Amount +84% year on year
Key KPIs	Indicator name Number of financial infrastructure partners / Value 53 companies / Year on year against the same period last year +3 companies from previous fiscal year-end, Indicator name Full-year forecast number of financial infrastructure partners / Value 70 companies / Year on year against the same period last year +20 companies from previous fiscal year-end, Indicator name Cash and deposits / Value ¥5,400 million / Year on year against the same period last year Not disclosed, Indicator name Number of merchant-name mappings / Value 300,000 Cases/month / Year on year against the same period last year Not disclosed, Indicator name Cost reduction rate versus the OpenAI API / Value 95.7 % / Year on year against the same period last year Not disclosed, Indicator name Reduction in manual verification / Value 98 % / Year on year against the same period last year Not disclosed
Medium-term management plan targets	Net Sales ¥30,000 million / EBITDA ¥10,000 million
Market Size / Share	Number of companies covered by the company-originated owned real estate database 240,000 companies / Number of companies covered by comparable services 4,000 companies
New initiatives	Development of an AI workflow platform and its application to the claims assessment operations of Nissay Plus Small Amount & Short-Term Insurance, Development of Finstage Cowork, Development of a local LLM text-processing platform, Entry into credit card issuance infrastructure, Collaboration with TRUSTART to build a database of company-owned real estate, Launch of a credit information module, Expansion into corporate lending

Items this document does not state (13)

Self-assessment against the planUnit price and quantity metricsNumber of stores and locationsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookFinancial targetsAnnual DividendPayout ratioAcquisition of treasury sharesCapital expendituresOrders received and order backlogKey points of the Q&A

These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.

The reasons the company gives

The company's own explanation, not something inferred from the numbers.

Revenue was driven by usage-based revenue and Data AI, despite the reversal of large development projects recorded in the same period of the previous year. Operating profit declined due to the reversal of those large development projects. Net income increased due to the recognition of ¥579 million in income tax adjustments associated with a change in the classification of tax-effect accounting and other factors.

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