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Financial results presentation8410Seven Bank,Ltd.Banks

Financial Results Presentation for the Fiscal Year Ending March 2026

Ordinary revenue reached a record high in the fiscal year ending March 2026 and exceeded the plan. However, ordinary profit declined, mainly due to Seven Card Service, while an extraordinary loss in the credit card business also led to a significant decrease in net income.

Worth reading
56In focus
0–100. This measures how worthwhile something is to read, not how good or bad the company is.
Direction
Mixed performance
Direction inferred from the company’s description.
Scale
-26.3
% (year-on-year change in net income attributable to owners of the parent)
Wording
Conditional
How definitive the wording is.

Contents of this document

Financial results presentationFiscal year ending March 202610 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Ordinary income¥301 100 million-0.3%
Net income¥134 100 million-26.3%
Full-year earnings forecast
Consolidated ordinary revenues
¥2,355 100 million
Consolidated ordinary expenses
¥2,060 100 million
Consolidated ordinary income
¥295 100 million
Profit attributable to owners of the parent
¥170 100 million
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
Mixed (some items exceeded the plan while others fell short)
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
  • Increase in ordinary revenue, mainly from Seven Bank on a non-consolidated basis
  • Decrease in ordinary profit, mainly from Seven Card Service
  • Extraordinary loss in the credit card business
  • Increase in depreciation and amortization expenses associated with ATM replacements
  • Increase in funding costs due to changes in the interest-rate environment

The company identifies the factors but does not state the amount attributable to each one.

Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.
Exchange rate
Actual results for the fiscal year ending March 2026US$1 = ¥149.61
Fiscal year ending March 2027: planUS$1 = ¥154.00
New initiatives
  • Begin installing ATMs at FamilyMart stores in early summer 2026, with approximately 16,000 ATMs scheduled for installation over about 4 years
  • Plan to complete ATM installations at Speedway and other locations in the United States
  • Aim to acquire direct partners in Indonesia
  • Pursue partnerships involving overseas card transactions and digital wallets in the Philippines
  • Expand the geographic footprint in Malaysia and plan to install an additional 400 ATMs
Key KPIsA metric the company considers important as a management benchmark.
  • Total annual ATM transactions1,122 Million transactions
    Year on year against the same period last year+33 million transactions
  • Average annual ATM transactions109.2 Transactions/ATM/day
    Year on year against the same period last year+1.2 transactions
  • ATMs at fiscal year-end28,536 Units
    Year on year against the same period last year+546 ATMs
  • Personal accounts3,500 Thousand accounts
    Year on year against the same period last year+141 thousand accounts
  • Deposits¥6,524 100 million
    Year on year against the same period last year+¥44.6 billion
  • Personal loans outstanding at fiscal year-end¥792 100 million
    Year on year against the same period last year+¥18.7 billion
  • Deferred-payment transactions627.2 ten thousand items
    Year on year against the same period last year+1.20 million transactions
  • Deferred-payment transaction value¥1,035 100 million
    Year on year against the same period last year+¥27.1 billion
  • Credit card members308 10,000 people
  • Electronic money members8,331 10,000 people
Unit price and quantity metricsThese figures show sales broken down by price and volume.
  • ATM transactions1,122 Million transactions
  • Average ATM transactions109.2 Transactions/ATM/day
  • ATM transaction fee per transaction (prior-year actual)¥105.7
Segment results
Domestic ATMs
Total annual number of transactions
1,122 Million transactions
yoy_change33
Average annual number of transactions
109.2 Transactions/ATM/day
yoy_change1.2
ATMs at fiscal year-end
28,536 Units
yoy_change546
Domestic retail
Number of accounts
3,500 Thousand accounts
yoy_change141
Deposits
¥6,524 100 million
yoy_change446
Personal loans outstanding at fiscal year-end
¥792 100 million
yoy_change187
Deferred-payment transactions
627.2 ten thousand items
yoy_change120
Deferred-payment transaction value
¥1,035 100 million
yoy_change271
Overseas expansion
United States
Ordinary revenue
¥272.8 100 million
Ordinary income
¥23.8 100 million
Number of ATMs
10,465 Units
Indonesia
Ordinary revenue
¥75.3 100 million
Ordinary income
¥9.3 100 million
Number of ATMs
9,100 Units
Philippines
Ordinary revenue
¥85.5 100 million
Ordinary income
¥4.3 100 million
Number of ATMs
4,104 Units
Malaysia
Number of ATMs
126 Units
Average Number of Transactions
217.3 transactions/day/ATM
Medium-term management plan targets
Ordinary revenue
Target value¥2,500 100 million
Target fiscal yearFiscal 2025 year-end
Ordinary income
Target value¥450 100 million
Target fiscal yearFiscal 2025 year-end
ROE
Target value8%
Target fiscal yearFiscal 2025 year-end
Financial targets
ROE
Target value8%
Actual value4.8%
Market Size / Share
Domestic ATM market share by number of ATMs
End of March 202615.7%
Plan for end of March 203032.6%
Contents of this document
ItemDetails
Document typeFinancial results presentation
Fiscal Period CoveredFiscal year ending March 2026
Ordinary income¥301 100 million (YoY -0.3%)
Net income¥134 100 million (YoY -26.3%)
Full-year earnings forecastConsolidated ordinary revenues ¥2,355 100 million / Consolidated ordinary expenses ¥2,060 100 million / Consolidated ordinary income ¥295 100 million / Profit attributable to owners of the parent ¥170 100 million
Self-assessment against the planMixed (some items exceeded the plan while others fell short)
Segment resultsDomestic ATMs Total annual number of transactions 1,122 Million transactions / Average annual number of transactions 109.2 Transactions/ATM/day / ATMs at fiscal year-end 28,536 Units / Domestic retail Number of accounts 3,500 Thousand accounts / Deposits ¥6,524 100 million / Personal loans outstanding at fiscal year-end ¥792 100 million / Deferred-payment transactions 627.2 ten thousand items / Deferred-payment transaction value ¥1,035 100 million / Overseas expansion United States Ordinary revenue ¥272.8 100 million / Ordinary income ¥23.8 100 million / Number of ATMs 10,465 Units / Indonesia Ordinary revenue ¥75.3 100 million / Ordinary income ¥9.3 100 million / Number of ATMs 9,100 Units / Philippines Ordinary revenue ¥85.5 100 million / Ordinary income ¥4.3 100 million / Number of ATMs 4,104 Units / Malaysia Number of ATMs 126 Units / Average Number of Transactions 217.3 transactions/day/ATM
Breakdown of Factors Affecting the ChangeFactors Increase in ordinary revenue, mainly from Seven Bank on a non-consolidated basis / Amount Not disclosed, Factors Decrease in ordinary profit, mainly from Seven Card Service / Amount Not disclosed, Factors Extraordinary loss in the credit card business / Amount Not disclosed, Factors Increase in depreciation and amortization expenses associated with ATM replacements / Amount Not disclosed, Factors Increase in funding costs due to changes in the interest-rate environment / Amount Not disclosed
Key KPIsIndicator name Total annual ATM transactions / Value 1,122 Million transactions / Year on year against the same period last year +33 million transactions, Indicator name Average annual ATM transactions / Value 109.2 Transactions/ATM/day / Year on year against the same period last year +1.2 transactions, Indicator name ATMs at fiscal year-end / Value 28,536 Units / Year on year against the same period last year +546 ATMs, Indicator name Personal accounts / Value 3,500 Thousand accounts / Year on year against the same period last year +141 thousand accounts, Indicator name Deposits / Value ¥6,524 100 million / Year on year against the same period last year +¥44.6 billion, Indicator name Personal loans outstanding at fiscal year-end / Value ¥792 100 million / Year on year against the same period last year +¥18.7 billion, Indicator name Deferred-payment transactions / Value 627.2 ten thousand items / Year on year against the same period last year +1.20 million transactions, Indicator name Deferred-payment transaction value / Value ¥1,035 100 million / Year on year against the same period last year +¥27.1 billion, Indicator name Credit card members / Value 308 10,000 people / Year on year against the same period last year Not disclosed, Indicator name Electronic money members / Value 8,331 10,000 people / Year on year against the same period last year Not disclosed
Unit price and quantity metricsIndicator name ATM transactions / Value 1,122 Million transactions, Indicator name Average ATM transactions / Value 109.2 Transactions/ATM/day, Indicator name ATM transaction fee per transaction (prior-year actual) / Value ¥105.7
Assumptions Underlying the Business OutlookExchange rate Actual results for the fiscal year ending March 2026 US$1 = ¥149.61 / Fiscal year ending March 2027: plan US$1 = ¥154.00
Medium-term management plan targetsOrdinary revenue Target value ¥2,500 100 million / Target fiscal year Fiscal 2025 year-end / Ordinary income Target value ¥450 100 million / Target fiscal year Fiscal 2025 year-end / ROE Target value 8% / Target fiscal year Fiscal 2025 year-end
Financial targetsROE Target value 8% / Actual value 4.8%
Market Size / ShareDomestic ATM market share by number of ATMs End of March 2026 15.7% / Plan for end of March 2030 32.6%
New initiativesBegin installing ATMs at FamilyMart stores in early summer 2026, with approximately 16,000 ATMs scheduled for installation over about 4 years, Plan to complete ATM installations at Speedway and other locations in the United States, Aim to acquire direct partners in Indonesia, Pursue partnerships involving overseas card transactions and digital wallets in the Philippines, Expand the geographic footprint in Malaysia and plan to install an additional 400 ATMs
Items this document does not state (16)
Net SalesOperating profitGross Profit MarginOperating profit marginSelling, general and administrative expensesResults for the three months of the current quarterProgress against full-year forecastNumber of stores and locationsNumber of employeesRisk amount incorporated into the outlookAnnual 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.

Ordinary revenue increased, mainly due to Seven Bank on a non-consolidated basis. Ordinary profit declined, mainly due to Seven Card Service; on a non-consolidated basis, depreciation and amortization expenses associated with ATM replacements and higher funding costs resulting from changes in the interest-rate environment were among the factors behind the decline. Net income decreased due to the recognition of an extraordinary loss in the credit card business.

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Financial Results Presentation for the Fiscal Year Ending March 2026 | Seven Bank,Ltd. (8410) timely disclosure | Komori