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Credit Saison, Net Income Forecast for the Fiscal Year Revised Downward to an Unexpected 11% Decrease

Fri Nov 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 November 14th (15:30). The consolidated net income for the cumulative second quarter of the fiscal year ending March 2026 (April to September) decreased 3.8% from the same period last year to 27.3 billion yen.

In addition, the full-year forecast for consolidated net income has decreased 12.6%, from the previous forecast of 67.5 billion yen to 59.0 billion yen (compared to 66.3 billion yen in the previous period). This changes the outlook from an anticipated profit increase to a projection of an 11.1% decrease in profit.

Based on the first-half performance announced by the company and the full-year plan, our calculation indicates that the consolidated net income for the October to March period (second half) is expected to decrease 16.6% from the same period last year to 31.6 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated net income decreased to 11.2 billion yen, a 5.0% decrease compared to the same period last year.

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Actual Results

Accumulated Results 2nd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Apr - Sep, 2023 175,117 39,813 59,372 44,010 276.3 60.6 Nov 10, 2023 IFRS
Apr - Sep, 2024 196,326 40,005 41,781 28,445 177.1 45.0 Nov 14, 2024 IFRS
Apr - Sep, 2025 228,167 45,010 41,144 27,353 186.7 ー Nov 14, 2025 IFRS
YoY +16.2% +12.5% -1.5% -3.8% +5.4%

First Half Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Apr - Sep, 2025 Guidance ー ー ー ー － 0 May 15, 2025 IFRS
Apr - Sep, 2025 Results 228,167 45,010 41,144 27,353 186.7 0 Nov 14, 2025 IFRS
Revision Rate － － － － －

Guidance Update

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev 479,000 96,000 ー 67,500 470.7 130 May 15, 2025 IFRS
Mar, 2026 New ー ー ー 59,000 411.4 130 Nov 14, 2025 IFRS
Revision Rate － － － -12.6% -12.6%

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 31,647 220.7 130 Nov 14, 2025 IFRS
YoY － － － -16.6% -8.7%

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 59,000 411.4 130 Nov 14, 2025 IFRS
YoY － － － -11.1% -2.8%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
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
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
YoY +23.8% +28.8% +0.4% -5.0% +4.1%

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