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Credit Saison, Apr-Dec (Cumulative 3Q) Net Income Decreases by 15%, Oct-Dec Net Income Decreases by 26%

Fri Feb 13, 2026 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 13th (15:30). The consolidated net income for the cumulative third quarter of the fiscal year ending March 2026 (April to December) decreased 15.3% from the same period last year to 48.8 billion yen. Progress toward the full-year plan of 59.0 billion yen was 82.7%, below the five-year average of 93.9%.

Based on the cumulative third-quarter performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated net income for the January to March period (4Q) is expected to grow 15.9% from the same period last year, reaching 10.1 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated net income decreased to 21.4 billion yen, a 26.4% decrease compared to the same period last year.

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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, 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 88.1 Feb 14, 2025 IFRS
Apr - Dec, 2025 353,723 ー 73,170 48,813 335.1 ー Feb 13, 2026 IFRS
YoY +12.8% － -10.5% -15.3% -7.6%

Current Period Guidance

Second Half Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Oct - Mar, 2024 226,492 53,616 51,005 37,952 241.8 120 May 15, 2025 IFRS
Oct - Mar, 2025 Guidance ー ー ー 31,647 220.3 130 Nov 14, 2025 IFRS
YoY － － － -16.6% -8.9%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 361,604 71,941 97,952 72,987 453.1 105 May 15, 2024 IFRS
Mar, 2025 422,818 93,621 92,786 66,397 423.0 120 May 15, 2025 IFRS
Mar, 2026 Guidance ー ー ー 59,000 410.8 130 Nov 14, 2025 IFRS
YoY － － － -11.1% -2.9%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 117,124 39,929 39,961 29,164 183.5 34.1 Feb 14, 2025 IFRS
Jan - Mar, 2025 109,368 13,687 11,044 8,788 56.0 12.5 May 15, 2025 IFRS
Apr - Jun, 2025 108,962 22,933 22,866 16,096 108.9 21.0 Aug 14, 2025 IFRS
Jul - Sep, 2025 119,205 22,077 18,278 11,257 76.8 18.5 Nov 14, 2025 IFRS
Oct - Dec, 2025 125,556 ー 32,026 21,460 147.3 0.0 Feb 13, 2026 IFRS
YoY +7.2% － -19.9% -26.4% -19.7%

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