Credit Saison revises full-year profit forecast down despite strong first half

Credit Saison reported a 16.2% increase in net revenue to JPY228,167 million and a 12.5% rise in business profit to JPY45,010 million for the six months ended September 30, 2025, compared to the same period last year. Profit attributable to owners of the parent was JPY27,353 million, a 3.8% decrease from the previous year. Basic earnings per share increased to JPY186.66. The company’s total assets grew to JPY4,728,396 million by September 30, 2025, from JPY4,671,143 million on March 31, 2025.

The full-year consolidated earnings forecast for the fiscal year ending March 31, 2026, has been revised. While net revenue is now projected at JPY473,500 million, a slight decrease from the previously announced JPY479,000 million, business profit remains unchanged at JPY96,000 million. Profit attributable to owners of parent is revised to JPY59,000 million, down from JPY67,500 million, with basic earnings per share adjusted to JPY406.32. This revision reflects the impact of business environment changes in global operations and losses from the withdrawal from amusement businesses.

Key segment highlights for the first half include a 13.5% increase in Payment business net revenue to JPY135,878 million, a 13.7% increase in Finance business net revenue to JPY38,826 million, and a significant 37.5% rise in Global business net revenue to JPY29,447 million. The company's organizational restructuring in June 2025 resulted in the reclassification of the rent guarantee business from Payment to Finance.