AEON Financial ServiceAEON Financial Service Co.,Ltd.8570東証プライムその他金融業FY ending Feb 2026, consolidated, J-GAAP

AEON Financial Service FY ending Feb 2026 results

About 41% of AEON Financial Service's sales come from Retail, with Mekong Area and Malay Area making up much of the rest.

Out of every ¥100 of sales, about ¥11 is left as operating profit.

Revenue changed +6.8% from the prior year, operating profit -1.3%.

Revenue and profit pattern

Revenue up, profit downRevenue grew faster

Revenue +6.8% · profit -1.3%, calculated from disclosed figures.

Operating leverage: -0.20× (profit growth ÷ revenue growth)

FY ending Feb 2025 → FY ending Feb 2026

Revenue for the FY ending Feb 2026 was ¥569.4B, up +6.8% from ¥533.3B.
Operating income dipped -1.3% to ¥60.7B from ¥61.5B.
Net income attributable to owners rose +34.8% to ¥21.1B from ¥15.6B.
Operating cash flow fell -12.6% to ¥303.7B, and free cash flow fell -13.3% to ¥266.8B.

In domestic Retail, larger revolving and installment balances plus higher interest rates lifted loan interest and investment income, but deposit interest and other funding costs rose too, so operating income fell
Domestic Solutions earned more fee income, helped by taking over the WAON e-money issuing business from AEON Retail
The Malay Area grew sales and profit on stronger motorcycle, used-car and card volumes; in the Mekong Area, goodwill amortization from buying a Vietnamese lender kept operating income flat

A sharp economic downturn could push loan losses above what the company expects
Phishing, card fraud and cyberattacks could bring compensation costs and hurt customer trust
AEON Bank is working through a business improvement order from the Financial Services Agency over its anti-money-laundering controls

Annual securities report (FY ending Feb 2026) / 経営者による財政状態、経営成績及びキャッシュ・フローの状況の分析 · Annual securities report (FY ending Feb 2026) / 事業等のリスク

FY ending Feb 2025 → FY ending Feb 2026

※ Cost of revenue is not disclosed; expenses are combined

For every ¥100 AEON Financial Service sells, how much goes where, and how much is kept.

FY ending Feb 2026

Operating margin10.7%

Net margin3.7%

Aligned fiscal years compare the shares of revenue remaining as gross, core, and net profit. Missing years are left unconnected.

Revenue by business segment, and the profit each one keeps.

FY ending Feb 2026

※ Segment figures include inter-segment sales and do not sum to the company total

Show source documents (6)

EDINET (FSA Japan)
有価証券報告書－第45期(2025/03/01－2026/02/28)
ID S100Y53G2026-05-19Open
EDINET (FSA Japan)
訂正有価証券報告書－第44期(2024/03/01－2025/02/28)
ID S100X5162025-11-17Open
EDINET (FSA Japan)
有価証券報告書－第43期(2023/03/01－2024/02/29)
ID S100TI2A2024-05-27Open
EDINET (FSA Japan)
有価証券報告書－第42期(2022/03/01－2023/02/28)
ID S100QTUM2023-05-25Open
EDINET (FSA Japan)
有価証券報告書－第41期(令和3年3月1日－令和4年2月28日)
ID S100O3Y72022-05-24Open
EDINET (FSA Japan)
有価証券報告書－第40期(令和2年3月1日－令和3年2月28日)
ID S100LDUK2021-05-24Open

Extracted from XBRL: 52 / Derived from other figures: 2

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