Credit Saison, Oct-Dec (3Q) Net Income Increases by 62%, Current Fiscal Year Dividend Revised Upward by 5 yen

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Fri Feb 14, 2025 3:30 pm JST Earnings

8253 Credit Saison Co.,Ltd. 【IFRS】

Earnings Report

Credit Saison Co.,Ltd. <8253> [TSE Prime] announced its financial results (based on IFRS) after the market closed on February 14th (15:30). The consolidated net income for the cumulative third quarter of the fiscal year ending March 2025 (April to December) decreased 7.2% from the same period last year to 57.6 billion yen. However, the progress rate toward the full-year plan of 55 billion yen is 104.7%, almost the same as the five-year average of 106.4%.

Based on the cumulative third-quarter performance announced by the company and the full-year plan, our calculation indicates that the consolidated net income/loss for the January to March period (4Q) is expected to turn into a loss of 2.6 billion yen (compared to a profit of 10.9 billion yen in the same period last year).

At the same time, the company has increased its planned year-end lump-sum dividend for the current fiscal year from the original plan of 105 yen to 110 yen (compared to 105 yen in the previous period).

In the most recent three-month period, from October to December (3Q), the consolidated net income increased 61.6% from the same period last year, reaching 29.1 billion yen.

Kabutan News

Actual Results

Accumulated Results 3rd Quarter

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Progress Rate vs. First Half	Announce	Accounting Standards
Apr - Dec, 2022	242,104	ー	64,488	45,268	289.6	105.6	Feb 9, 2023	IFRS
Apr - Dec, 2023	268,771	61,495	83,775	62,057	386.7	85.5	Feb 13, 2024	IFRS
Apr - Dec, 2024	313,450	79,934	81,742	57,609	362.5	ー	Feb 14, 2025	IFRS
YoY	+16.6%	+30.0%	-2.4%	-7.2%	-6.3%

Guidance Update

Second Half Update

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Oct - Mar, 2024 Prev	219,674	39,995	ー	26,555	177.0	105	Nov 14, 2024	IFRS
Oct - Mar, 2024 New	219,674	39,995	ー	26,555	177.0	110	Feb 14, 2025	IFRS
Revision Rate	0.0%	0.0%	－	0.0%	0.0%

Full Year Update

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2025 Prev	416,000	80,000	ー	55,000	366.6	105	Nov 14, 2024	IFRS
Mar, 2025 New	416,000	80,000	ー	55,000	366.6	110	Feb 14, 2025	IFRS
Revision Rate	0.0%	0.0%	－	0.0%	0.0%

Current Period Guidance

Second Half Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Oct - Mar, 2023	186,487	32,128	38,580	28,977	179.9	105	May 15, 2024	IFRS
Oct - Mar, 2024 Guidance	219,674	39,995	ー	26,555	177.0	110	Feb 14, 2025	IFRS
YoY	+17.8%	+24.5%	－	-8.4%	-1.6%

Current Period Guidance

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2023	322,638	60,977	61,044	43,599	278.9	70	May 15, 2023	IFRS
Mar, 2024	361,604	71,941	97,952	72,987	453.1	105	May 15, 2024	IFRS
Mar, 2025 Guidance	416,000	80,000	ー	55,000	366.6	110	Feb 14, 2025	IFRS
YoY	+15.0%	+11.2%	－	-24.6%	-19.1%

Quarterly Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Oct - Dec, 2023	93,654	21,682	24,403	18,047	112.5	23.2	Feb 13, 2024	IFRS
Jan - Mar, 2024	92,833	10,446	14,177	10,930	67.9	11.3	May 15, 2024	IFRS
Apr - Jun, 2024	100,076	22,871	23,577	16,595	102.2	22.9	Aug 9, 2024	IFRS
Jul - Sep, 2024	96,250	17,134	18,204	11,850	73.8	17.8	Nov 14, 2024	IFRS
Oct - Dec, 2024	117,124	39,929	39,961	29,164	183.5	34.1	Feb 14, 2025	IFRS
YoY	+25.1%	+84.2%	+63.8%	+61.6%	+63.2%