Credit Saison (8253) investor relations material

Executive summary

• Net revenue for FY2025 3Q reached 353.7 billion yen, up 12.8% year-over-year, with business profit at 83.3 billion yen, a 4.3% increase year-over-year.

• Profit attributable to owners of parent was 48.8 billion yen, down 15.3% year-over-year, mainly due to extraordinary and one-time losses such as the sale of shares in affiliates and impairment losses.

• Comprehensive income increased 23.9% year-over-year to 74.4 billion yen, driven by gains in other comprehensive income.

• Domestic operations saw solid growth, especially in Payment and Finance segments, while overseas operations entered a profit recovery phase.

• Basic earnings per share for the nine months was 335.09 yen, down from 362.53 yen year-over-year.

Financial highlights

• Operating revenue rose to 256.8 billion yen (up 12.1% year-over-year), and operating profit increased to 48.7 billion yen (up 24.2% year-over-year).

• Ordinary profit was 55.3 billion yen, up 18.2% year-over-year.

• Net revenue reached 353.7 billion yen, up from 313.5 billion yen in the prior year period.

• Basic earnings per share for the nine months was 335.09 yen, down from 362.53 yen year-over-year.

• Progress rates toward full-year plans: net revenue 74.7%, business profit 86.8%, profit attributable to owners of parent 82.7%.

Outlook and guidance

• Full-year net revenue is forecast at 473.5 billion yen, up 12.0% year-over-year, with business profit expected to rise 2.5% to 96.0 billion yen.

• Profit attributable to owners of parent is projected to decrease 11.1% to 59.0 billion yen, with basic EPS forecast at 406.32 yen.

• Full-year guidance remains unchanged, with a focus on sustainable growth and further profitability improvements through premium strategies and business restructuring.

• Annual dividend per share is forecast to increase to 130.00 yen for the fiscal year ending March 31, 2026.

• Continued consideration of additional share buybacks and ongoing reduction of cross-shareholdings.