Credit Saison (8253) Q1 2026 earnings summary

Executive summary

• Net revenue for FY25 1Q rose 8.9% year-over-year to 108.9 billion yen, with business profit up 0.3% to 22.9 billion yen, but profit attributable to owners declined 3% to 16.0 billion yen due to impairment losses from Suruga Bank share sales.

• Basic earnings per share increased to 108.85 yen from 102.15 yen year-over-year.

• Segment performance varied, with payment and entertainment segments outperforming, while global and real estate segments lagged behind plan.

• Comprehensive income dropped 23.8% to 17.8 billion yen.

Financial highlights

• Operating revenue increased 12.4% year-over-year to 82.6 billion yen; non-consolidated operating profit surged 65% to 16.1 billion yen.

• Ordinary profit rose 51.3% year-over-year to 18.7 billion yen; non-consolidated profit jumped 61% to 16.4 billion yen.

• Total assets increased to 4,702.7 billion yen as of June 30, 2025, from 4,671.1 billion yen at March 31, 2025.

• Equity attributable to owners of parent decreased to 697.3 billion yen from 705.7 billion yen sequentially.

• Dividend forecast for FY2026 is 130 yen per share, up from 120 yen per share in FY2025.

Outlook and guidance

• Full-year FY2026 net revenue forecast is 479.0 billion yen, up 13.3% year-over-year.

• Business profit is projected at 96.0 billion yen (+2.5% year-over-year), with profit attributable to owners of parent at 67.5 billion yen (+1.7%).

• Basic EPS for FY2026 is forecast at 461.06 yen, factoring in share buybacks.

• Segment plans will be updated with interim results, reflecting 1Q performance and special factors.