Second-Quarter Financial Results Presentation for Fiscal 2026 | Finatext Holdings Ltd. (4419) timely disclosure

Worth reading

45Recurring

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Direction

Improvement

Direction inferred from the company’s description.

Scale

Year-on-year change in net sales (%)

Wording

Definitive

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Contents of this document

Earnings presentation materialsFY2026 second quarter7 items taken from the company’s own explanation

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

Net Sales¥6,092 million+36.0%

Operating profit¥530 million+46.0%

Ordinary income¥506 million+45.0%

Net income¥770 million+55.0%

Selling, general and administrative expenses¥3,407 million

Gross Profit Margin

Rate69

Year-on-year change (points)+4 points

Operating profit margin

Rate9

Year-on-year change (points)+1 percentage point

Results for the three months of the current quarterRevenue: ¥6,092 million; gross profit: ¥4,193 million; EBITDA: ¥786 million; operating income: ¥530 million; ordinary income: ¥506 million; net income attributable to owners of the parent: ¥770 million. All figures are for the second quarter alone.

Full-year earnings forecast

Net Sales

¥15,500 million

EBITDA

¥3,880 million

Profit attributable to owners of the parent

¥2,320 million

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。Revenue: 39% (vs. plan). Progress rates for other line items: Not disclosed.

What the company explained in this material

Self-assessment against the planThe company's self-assessment against its own plan.

Generally tracking at roughly the same level as in recent years

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

Volume-based fee revenue from financial infrastructure and the Data AI business
DetailsMain drivers of the increase in revenue
Increase in volume-based fee revenue
DetailsFactors behind the increase in revenue sharing
Promoting AI adoption
DetailsFactors behind the increase in communications expenses
Recognition of Deferred Tax Assets
DetailsFactors behind the recognition of income tax adjustments

New initiatives

Deploying expertise gained from addressing frontier AI ahead of the curve as consulting and solution services for financial institutions
Development support for the corporate sales support system “TNP Navi” for 東京海上日動パートナーズ
Joint development with 住友生命 and アイリックコーポレーション of an AI sales-support solution for multi-company insurance agencies
Support for Mizuho Securities' data infrastructure migration and the development of an AI-driven development environment
Provision of Crest's receivables management module to freee Card Unlimited
Crest's support for individual-item installment financing and its implementation in “subsclife by TOKYOROOMS”
Provision of real estate registry data via MCP with TRUSTART
Implementation of DataLens store development at Pronto Corporation and Komehyo

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

EBITDA¥786 million
Year on year against the same period last year+52%
EBITDA margin13 %
Year on year against the same period last yearIncreased from 12% in the year-earlier period
Number of financial infrastructure partners58 companies
Year on year against the same period last year+8 companies from the end of the previous fiscal year
Volume-based fee revenue from financial infrastructure¥1,831 million
Year on year against the same period last year+77%
Recurring revenue¥1,934 million
Year on year against the same period last year+29%

Segment results

Financial Infrastructure
Net Sales¥3,751 million
Year-on-Year Change in Revenue (%)31
Data AI
Net Sales¥1,732 million
Year-on-Year Change in Revenue (%)73
Fintech Shift
Net Sales¥607 million
Year-on-Year Change in Revenue (%)3
Financial Infrastructure
Operating profit¥12 million
Year-on-year difference-315

Medium-term management plan targets

New medium-term targets of ¥30 billion in revenue and ¥10 billion in EBITDA. Target fiscal year: Not disclosed.

Market Size / Share

The disclosure states that the market size that can be served will expand through Crest's support for individual-item installment financing, but the specific market size and share are Not disclosed.

Contents of this document
Item	Details
Document type	Earnings presentation materials
Fiscal Period Covered	FY2026 second quarter
Net Sales	¥6,092 million (YoY +36.0%)
Operating profit	¥530 million (YoY +46.0%)
Ordinary income	¥506 million (YoY +45.0%)
Net income	¥770 million (YoY +55.0%)
Gross Profit Margin	Rate 69 / Year-on-year change (points) +4 points
Operating profit margin	Rate 9 / Year-on-year change (points) +1 percentage point
Selling, general and administrative expenses	¥3,407 million
Results for the three months of the current quarter	Revenue: ¥6,092 million; gross profit: ¥4,193 million; EBITDA: ¥786 million; operating income: ¥530 million; ordinary income: ¥506 million; net income attributable to owners of the parent: ¥770 million. All figures are for the second quarter alone.
Full-year earnings forecast	Net Sales ¥15,500 million / EBITDA ¥3,880 million / Profit attributable to owners of the parent ¥2,320 million
Progress against full-year forecast	Revenue: 39% (vs. plan). Progress rates for other line items: Not disclosed.
Self-assessment against the plan	Generally tracking at roughly the same level as in recent years
Segment results	Segment Financial Infrastructure / Net Sales ¥3,751 million / Year-on-Year Change in Revenue (%) 31, Segment Data AI / Net Sales ¥1,732 million / Year-on-Year Change in Revenue (%) 73, Segment Fintech Shift / Net Sales ¥607 million / Year-on-Year Change in Revenue (%) 3, Segment Financial Infrastructure / Operating profit ¥12 million / Year-on-year difference -315
Breakdown of Factors Affecting the Change	Factors Volume-based fee revenue from financial infrastructure and the Data AI business / Details Main drivers of the increase in revenue, Factors Increase in volume-based fee revenue / Details Factors behind the increase in revenue sharing, Factors Promoting AI adoption / Details Factors behind the increase in communications expenses, Factors Recognition of Deferred Tax Assets / Details Factors behind the recognition of income tax adjustments
Key KPIs	Indicator name EBITDA / Value ¥786 million / Year on year against the same period last year +52%, Indicator name EBITDA margin / Value 13 % / Year on year against the same period last year Increased from 12% in the year-earlier period, Indicator name Number of financial infrastructure partners / Value 58 companies / Year on year against the same period last year +8 companies from the end of the previous fiscal year, Indicator name Volume-based fee revenue from financial infrastructure / Value ¥1,831 million / Year on year against the same period last year +77%, Indicator name Recurring revenue / Value ¥1,934 million / Year on year against the same period last year +29%
Medium-term management plan targets	New medium-term targets of ¥30 billion in revenue and ¥10 billion in EBITDA. Target fiscal year: Not disclosed.
Market Size / Share	The disclosure states that the market size that can be served will expand through Crest's support for individual-item installment financing, but the specific market size and share are Not disclosed.
New initiatives	Deploying expertise gained from addressing frontier AI ahead of the curve as consulting and solution services for financial institutions, Development support for the corporate sales support system “TNP Navi” for 東京海上日動パートナーズ, Joint development with 住友生命 and アイリックコーポレーション of an AI sales-support solution for multi-company insurance agencies, Support for Mizuho Securities' data infrastructure migration and the development of an AI-driven development environment, Provision of Crest's receivables management module to freee Card Unlimited, Crest's support for individual-item installment financing and its implementation in “subsclife by TOKYOROOMS”, Provision of real estate registry data via MCP with TRUSTART, Implementation of DataLens store development at Pronto Corporation and Komehyo

Items this document does not state (12)

Unit 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.

Volume-based fee revenue from financial infrastructure and the Data AI business drove revenue growth. EBITDA benefited from progress in flow-based revenue, primarily in the Data AI segment, while net income attributable to owners of the parent was affected by the income tax adjustment arising from the recognition of deferred tax assets.

How to read this page

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