Worth reading
64In focus
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Improvement
Direction inferred from the company’s description.Scale
40.5
% (year-on-year change in business profit)Wording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedIFRSNet Sales250,771Millions of yenYear on year +9.9%Progress 48.2%
Operating profit63,231¥ million (business income)Year on year +40.5%Progress 52.7%
Ordinary income64,781¥ million (profit before tax)Year on year +57.4%
Net income attributable to owners of the parent44,691Millions of yenYear on year +63.4%Progress 49.7%
The width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
Net income per share¥311.02
Financial position at period-end
Total assets5,089,401Millions of yen
of which net assets 808,799 Millions of yenEquity ratio 15.6%vs. prior year-end +0.2pt
塗りつぶした部分が自己資本比率です。総資産のうち、返済のいらない自前の資金がどれだけかを表します。The thin vertical line indicates the level at the end of the previous fiscal year.
Cash and cash equivalents at end of period105,921 Millions of yen
Segment revenuePayments Business 142,111 Millions of yen (YoY +4.6%), Leasing Business 8,224 Millions of yen (YoY +15.2%), Finance Business 48,431 Millions of yen (YoY +24.7%), Real Estate-Related Business 11,777 Millions of yen (YoY -19.0%), Global Business 41,296 Millions of yen (YoY +40.2%)
Segment profitPayments Business 20,595 Millions of yen (YoY +12.9%), Leasing Business 2,463 Millions of yen (YoY +8.4%), Finance Business 28,620 Millions of yen (YoY +40.2%), Real Estate-Related Business 4,977 Millions of yen (YoY -43.6%), Global Business 5,998 Millions of yen
Outlook and shareholder returns
Full-year earnings forecast
Net Sales520,000 Millions of yen (YoY +10.0%)
Operating profit¥120,000 million (business income) (YoY +17.6%)
Ordinary incomeNot disclosed
Net income90,000 Millions of yen (YoY +45.8%)
Revision to Earnings ForecastNet revenue 507,500 Millions of yen → 520,000 Millions of yen（+2.5%） / Business profit 110,000 Millions of yen → 120,000 Millions of yen（+9.1%） / Profit for the period attributable to owners of the parent 75,500 Millions of yen → 90,000 Millions of yen（+19.2%） / Ordinary income Not disclosed
Annual Dividend Forecast130 Yen → 175 Yen（+34.6%）
Factors Behind Changes in Business Performance
The Payments, Leasing, Finance and Global businesses grew. In Payments, the company promoted new card-member acquisition, fee revisions, expanded financial services for corporate customers and upselling to premium cards. In Leasing, profitability improved through negotiations to raise rates and more intensive sales activities. In Finance, various guarantee and loan balances increased. In Global, receivables grew, while portfolio optimisation and profitability improvements progressed. In the real estate-related business, some real estate sales were pushed back to the second half of the fiscal year.
Disclosure regarding the going concern assumption
None
Change in accounting policy
基準改正に伴う変更 Noそれ以外の変更 No見積りの変更 No修正再表示 Not disclosed
Changes in the scope of consolidationNew Number of companies 0 / Company name Not disclosed / Excluded Number of companies 0 / Company name Not disclosed / Main text The company stated that it transferred all shares of Concerto Co., Ltd. and excluded the company from the scope of consolidation.
Material subsequent eventsThe company obtained final approval from the Vietnamese authorities for the partial transfer of its interest in HD SAISON Finance Co., Ltd., with its ownership interest expected to decline from 49% to 20% after completion of the transfer. The company expects to record approximately ¥11 billion in gains related to the sale of shares in an affiliate in the third quarter of the fiscal year ending March 2027. It also resolved to repurchase up to 6 million shares of treasury stock for a total amount of up to ¥20 billion and cancel the repurchased shares on 31 March 2027.
Impairment loss60 Millions of yen
Breakdown of extraordinary income (loss)Extraordinary income Gain on sale of non-current assets 1,700 Millions of yen, Gain on valuation of investment securities (shares, etc.) 564 Millions of yen / Extraordinary loss Impairment loss on non-financial assets 60 Millions of yen, Loss on disposal of fixed assets 58 Millions of yen, Other 21 Millions of yen
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingYes (for institutional investors and analysts)
Issued Shares at Period-End161,102,570
Treasury Shares at Period-End17,359,241
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | IFRS |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 September 2026 |
| Net Sales | 250,771 Millions of yen (YoY +9.9%) |
| Operating profit | ¥63,231 million (business income) (YoY +40.5%) |
| Ordinary income | ¥64,781 million (profit before tax) (YoY +57.4%) |
| Profit attributable to owners of the parent | 44,691 Millions of yen (YoY +63.4%) |
| Net income per share | ¥311.02 |
| Equity ratio | End of the current fiscal period 15.6 / End of previous period 15.4 |
| Total assets | 5,089,401 Millions of yen |
| Net assets | ¥808,799 million (total equity) |
| Cash and cash equivalents at end of period | 105,921 Millions of yen |
| Full-year earnings forecast | Net Sales 520,000 Millions of yen (YoY +10.0%) / Operating profit ¥120,000 million (business income) (YoY +17.6%) / Ordinary income Not disclosed / Net income 90,000 Millions of yen (YoY +45.8%) |
| Revision to Earnings Forecast | Net revenue 507,500 Millions of yen → 520,000 Millions of yen（+2.5%） / Business profit 110,000 Millions of yen → 120,000 Millions of yen（+9.1%） / Profit for the period attributable to owners of the parent 75,500 Millions of yen → 90,000 Millions of yen（+19.2%） / Ordinary income Not disclosed |
| Annual Dividend Forecast | 130 Yen → 175 Yen（+34.6%） |
| Segment revenue | Payments Business 142,111 Millions of yen (YoY +4.6%), Leasing Business 8,224 Millions of yen (YoY +15.2%), Finance Business 48,431 Millions of yen (YoY +24.7%), Real Estate-Related Business 11,777 Millions of yen (YoY -19.0%), Global Business 41,296 Millions of yen (YoY +40.2%) |
| Segment profit | Payments Business 20,595 Millions of yen (YoY +12.9%), Leasing Business 2,463 Millions of yen (YoY +8.4%), Finance Business 28,620 Millions of yen (YoY +40.2%), Real Estate-Related Business 4,977 Millions of yen (YoY -43.6%), Global Business 5,998 Millions of yen |
| Impairment loss | 60 Millions of yen |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on sale of non-current assets 1,700 Millions of yen, Gain on valuation of investment securities (shares, etc.) 564 Millions of yen / Extraordinary loss Impairment loss on non-financial assets 60 Millions of yen, Loss on disposal of fixed assets 58 Millions of yen, Other 21 Millions of yen |
| Disclosure regarding the going concern assumption | None |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement Not disclosed |
| Changes in the scope of consolidation | New Number of companies 0 / Company name Not disclosed / Excluded Number of companies 0 / Company name Not disclosed / Main text The company stated that it transferred all shares of Concerto Co., Ltd. and excluded the company from the scope of consolidation. |
| Material subsequent events | The company obtained final approval from the Vietnamese authorities for the partial transfer of its interest in HD SAISON Finance Co., Ltd., with its ownership interest expected to decline from 49% to 20% after completion of the transfer. The company expects to record approximately ¥11 billion in gains related to the sale of shares in an affiliate in the third quarter of the fiscal year ending March 2027. It also resolved to repurchase up to 6 million shares of treasury stock for a total amount of up to ¥20 billion and cancel the repurchased shares on 31 March 2027. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (for institutional investors and analysts) |
| Issued Shares at Period-End | 161,102,570 |
| Treasury Shares at Period-End | 17,359,241 |
| Factors Behind Changes in Business Performance | The Payments, Leasing, Finance and Global businesses grew. In Payments, the company promoted new card-member acquisition, fee revisions, expanded financial services for corporate customers and upselling to premium cards. In Leasing, profitability improved through negotiations to raise rates and more intensive sales activities. In Finance, various guarantee and loan balances increased. In Global, receivables grew, while portfolio optimisation and profitability improvements progressed. In the real estate-related business, some real estate sales were pushed back to the second half of the fiscal year. |
Items this document does not state (9)
Operating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogDepreciation and amortization
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.The Payments, Leasing, Finance and Global businesses all grew. In Payments, the company pursued new customer acquisition, fee revisions and expanded services for corporate customers. In Finance, guarantee and loan balances increased, while in Global, receivables grew and profitability improved. Meanwhile, some real estate sales in the real estate-related business were pushed back to the second half of the fiscal year.
How to read this page
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