Credit SaisonCredit Saison Co.,Ltd.8253東証プライムその他金融業FY ending Mar 2026, consolidated, IFRS

Credit Saison FY ending Mar 2026 results

About 50% of Credit Saison's sales come from Payment, with Finance and Real Estate related making up much of the rest.

Out of every ¥100 of sales, about ¥26 is left as operating profit.

Revenue changed +11.8% from the prior year.

What changed from last year

FY ending Mar 2025 → FY ending Mar 2026

Revenue: +11.8%¥422.8B → ¥472.8B
Gross profit: +13.0%¥353.4B → ¥399.3B
Net income attributable to owners: -7.0%¥66.4B → ¥61.7B
Operating cash flow: Loss-¥249.2B → -¥135.7B
Free cash flow: Loss-¥270B → -¥153.8B

Results at a glance

Revenue for the FY ending Mar 2026 rose +11.8%, from ¥422.8B to ¥472.8B.
Gross profit grew +13.0% to ¥399.3B, but net income slipped -7.0%, from ¥66.4B to ¥61.7B.
Operating cash flow was -¥135.7B, a smaller outflow than the prior year's -¥249.2B. As a lender, the company pays out cash before it collects when its card and loan balances grow.

What drove the change

Card shopping volume and finance loan balances held up well, and overseas lending balances grew, lifting revenue
Losses tied to the amusement business pulled net income down
The global business slipped to a loss after extra credit costs in Indonesian lending and write-downs on startup investments

Things to watch

A sizable share of funding is short-term borrowing and commercial paper, so a credit downgrade or financial crisis could tighten liquidity
Unfavorable moves in interest rates or currencies could raise borrowing costs or cause losses on stocks and real estate it holds
An economic slowdown at home or abroad, or prolonged inflation, could push up loan defaults

Annual Securities Report (76th term) / 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 (76th term) / 事業等のリスク

Where the money goes

FY ending Mar 2025 → FY ending Mar 2026

※ Segment revenues include inter-segment sales and are scaled to consolidated revenue

※ Operating income is not disclosed; the chart goes straight to pretax income including investment gains

Where ¥100 of sales goes

For every ¥100 Credit Saison sells, how much goes where, and how much is kept.

FY ending Mar 2026

Cost of sales: ¥16
SG&A: ¥58
Operating profit: ¥26
Net profit kept: ¥13

* This company does not report operating income, so it is calculated as gross profit minus SG&A. Equity-method income and dividends are not included, so net profit can be larger.

Annual margin trends

Gross margin84.5%

Net margin13.1%

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

Which businesses earn the money

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

FY ending Mar 2026

Payment¥275B
50%
Op. margin 11.1%Industry: Credit Cards & Consumer Credit
Finance¥84.5B
15%
Op. margin 56.0%Industry: Credit Cards & Consumer Credit
Real Estate related¥71B
13%
Op. margin 27.1%Industry: Real Estate Development & Leasing
Global¥62.4B
11%
Op. margin -2.3%Industry: Consumer Finance
Entertainment¥38.6B
7%
Op. margin 6.7%Industry: Amusement Centers & Karaoke
Lease¥14.8B
3%
Op. margin 31.6%Industry: Leasing

Profit by segment

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

Sources

Show source documents (6)

EDINET (FSA Japan)
有価証券報告書－第76期(2025/04/01－2026/03/31)
ID S100YCDE2026-06-16Open
EDINET (FSA Japan)
訂正有価証券報告書－第75期(2024/04/01－2025/03/31)
ID S100WCWC2025-07-22Open
EDINET (FSA Japan)
有価証券報告書－第74期(2023/04/01－2024/03/31)
ID S100TNTL2024-06-19Open
EDINET (FSA Japan)
有価証券報告書－第73期(2022/04/01－2023/03/31)
ID S100R0QD2023-06-21Open
EDINET (FSA Japan)
有価証券報告書－第72期(令和3年4月1日－令和4年3月31日)
ID S100OCL92022-06-22Open
EDINET (FSA Japan)
有価証券報告書－第71期(令和2年4月1日－令和3年3月31日)
ID S100LN7Q2021-06-23Open

Extracted from XBRL: 41 / Derived from other figures: 2

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