Credit Saison (8253) Q4 2025 earnings summary

Executive summary

• Consolidated business profit reached a record 93.6 billion yen in FY24, with ROE at 9.4%, driven by strong performance across all major segments.

• Net revenue rose to 422.8 billion yen, up 16.9% year-over-year, while profit attributable to owners of parent declined to 66.3 billion yen due to the absence of prior year’s negative goodwill.

• All major business segments saw revenue growth, especially Payment, Finance, Real Estate-Related, and Global.

• FY25 targets include consolidated business profit of 96.0 billion yen and ROE of 9.4%, aiming for sustainable growth despite the loss of special factors and interest rate fluctuations.

• FY25 dividend per share is projected to rise to 130 yen, marking the fifth consecutive annual increase.

Financial highlights

• Net revenue: 422.8 billion yen (up 16.9% YoY); consolidated business profit: 93.6 billion yen (up 30.1% YoY); profit attributable to owners: 66.3 billion yen (down 9% YoY).

• Excluding the 9.5 billion yen reversal of special allowance, business profit was 84.0 billion yen (up 16.9% YoY).

• Operating cash flow was negative at 249.2 billion yen, while financing cash flow increased to 297.3 billion yen, supporting a rise in cash and cash equivalents to 139.4 billion yen.

• Total assets grew to 4.67 trillion yen, and equity attributable to owners of parent was 705.7 billion yen.

• Basic EPS was 423.02 yen, down from 453.08 yen the previous year.

Outlook and guidance

• FY25 net revenue forecast: 479.0 billion yen (+13.3% YoY); consolidated business profit: 96.0 billion yen (+2.5% YoY); profit attributable to owners: 67.5 billion yen (+1.7% YoY).

• Dividend per share is projected to rise to 130 yen for FY25.

• Global segment profit expected to triple to 11.0 billion yen, driven by India and Brazil expansion.

• Payment segment profit to decrease to 26.2 billion yen due to normalization after special factors.

• Continued focus on premium strategy, digital transformation, and global business growth.