Decline in revenue and profit in the credit card and credit guarantee industries
First written in FY2022-Q1. 14 of 16 entries say "Worsened", first in FY2022-Q2. Latest entry: FY2026.
No other company in this theme has enough history to compare yet.
- FY2026WorsenedAnnual report
「Ordinary income fell ¥110 million year on year to ¥1.045 billion due to lower merchant fee and guarantee fee income. In addition, higher credit costs resulted in a segment loss of ¥37 million, compared with segment profit of ¥202 million in the previous fiscal year.」
The credit card and credit guarantee businesses reported lower revenue, and higher credit costs resulted in a shift from profit of ¥202 million in the previous fiscal year to a loss of ¥37 million. - 2026-05-14WorsenedEarnings
「The credit-card and credit-guarantee businesses reported lower ordinary income, and segment profit declined from ¥202 million in the same period of the previous year to a loss of ¥37 million.」
The credit-card and credit-guarantee businesses reported lower revenue, and segment profit turned negative. - FY2026-H1Divergence in interim performance trendsAnnual report
「Ordinary income from the credit card and credit guarantee businesses fell ¥37 million year on year to ¥550 million, while segment profit increased ¥8 million to ¥120 million.」
Ordinary income in the credit card and credit guarantee businesses declined year on year, while segment profit increased from ¥111 million in the same period of the previous year to ¥120 million. Revenue and profit moved in different directions. - FY2025-H1WorsenedAnnual report
「Ordinary income from the credit card and credit guarantee businesses fell ¥35 million year on year to ¥587 million, while segment profit fell ¥70 million to ¥111 million.」
Both ordinary income and segment profit in the credit card and credit guarantee businesses declined year on year. Segment profit fell from ¥182 million in the same period of the previous year to ¥111 million. - FY2024WorsenedAnnual report
「Ordinary income fell ¥75 million year on year to ¥1.235 billion, mainly due to lower guarantee fee income. As a result, segment profit fell ¥74 million to ¥340 million.」
Both ordinary income and segment profit in the credit card and credit guarantee businesses declined from the previous fiscal year. - FY2024-Q3WorsenedAnnual report
「Ordinary income from the credit card and credit guarantee businesses fell ¥60 million year on year to ¥935 million, while segment profit fell ¥155 million to ¥240 million.」
Both ordinary income and segment profit in the credit card and credit guarantee businesses declined year on year. Segment profit fell from ¥396 million in the same period of the previous year to ¥240 million. - FY2024-Q2WorsenedAnnual report
「Ordinary income from the credit card and credit guarantee businesses fell ¥80 million year on year to ¥623 million, while segment profit fell ¥108 million to ¥182 million.」
Both ordinary income and segment profit in the credit card and credit guarantee businesses declined year on year. Segment profit fell from ¥290 million to ¥182 million. - FY2024-Q1WorsenedAnnual report
「Ordinary income from the credit card and credit guarantee businesses fell ¥37 million year on year to ¥314 million, while segment profit fell ¥70 million to ¥77 million.」
Both ordinary income and segment profit in the credit card and credit guarantee businesses declined year on year. - FY2023WorsenedAnnual report
「Ordinary income fell ¥248 million year on year to ¥1.310 billion, mainly due to lower guarantee fee income and the provision for losses on guarantee obligations moving from a reversal in the previous fiscal year to an addition. As a result, segment profit fell ¥301 million to ¥415 million.」
Both ordinary income and segment profit in the credit card and credit guarantee businesses declined from the previous fiscal year, and the provision for losses on guarantee obligations moved from a reversal to an addition. - FY2023-Q3WorsenedAnnual report
「Ordinary income from the credit card and credit guarantee businesses fell ¥174 million year on year to ¥996 million, while segment profit fell ¥145 million to ¥396 million.」
Both ordinary income and segment profit in the credit card and credit guarantee businesses declined year on year. - FY2023-Q2WorsenedAnnual report
「Ordinary income from the credit card and credit guarantee businesses fell ¥130 million year on year to ¥703 million, while segment profit fell ¥117 million to ¥291 million.」
Both ordinary income and segment profit in the credit card and credit guarantee businesses declined year on year. - FY2023-Q1WorsenedAnnual report
「Ordinary income from the credit card and credit guarantee businesses fell ¥91 million year on year to ¥351 million, while segment profit fell ¥81 million to ¥148 million.」
Both ordinary income and segment profit in the credit card and credit guarantee businesses declined year on year. - FY2022WorsenedAnnual report
「Ordinary income fell ¥213 million year on year to ¥1.558 billion due to lower card-related fee income and guarantee fee income amid calls for consumers to refrain from spending as COVID-19 spread, as well as the absence of the prior fiscal year’s reversal of the provision for losses on guarantee obligations following a review of debtor classifications for individuals undergoing debt rehabilitation, including mortgage borrowers. As a result, segment profit fell ¥162 million to ¥716 million.」
Both ordinary income and segment profit in the credit card and credit guarantee businesses declined due to consumers refraining from spending and lower guarantee fee income. - FY2022-Q3WorsenedAnnual report
「Ordinary income from the credit card and credit guarantee businesses fell ¥290 million year on year to ¥1.171 billion, while segment profit fell ¥282 million to ¥542 million.」
Both ordinary income and segment profit in the credit card and credit guarantee businesses declined year on year. - FY2022-Q2WorsenedAnnual report
「Ordinary income from the credit card and credit guarantee businesses fell ¥355 million year on year to ¥833 million, while segment profit fell ¥353 million to ¥409 million.」
Both ordinary income and segment profit in the credit card and credit guarantee businesses declined year on year. - FY2022-Q1First statedAnnual report
「Ordinary income from the credit card and credit guarantee businesses fell ¥347 million year on year to ¥443 million, while segment profit fell ¥348 million to ¥229 million.」
The decline in both ordinary income and segment profit in the credit card and credit guarantee businesses was recorded as a standalone theme for the first time.