Highlights-Financial Indicators

Consolidated operating revenue for the six months ended September 30, 2024, increased to 156,299 million yen (up 8.3% year-on-year) and was 49.9% of the full-year forecast. This is mainly attributable to: the increases in interest on operating loans and revenue from credit guarantee. Operating expenses also increased to 108,276 million yen (up 8.2% year-on-year) mainly due to an increase in provision for bad debts associated with the expansion of business scale. As a result, operating profit increased to 48,022 million yen (up 8.6% year-on-year) and was 55.1% of the full-year forecast. Ordinary profit also increased to 48,239 million yen (up 8.7% year-on-year) and was 55.1% of the full-year forecast. Profit attributable to owners of parent increased to 29,859 million yen (up 9.4% year-on-year) and was 53.7% of the full-year forecast.

The Company has set the outlook for the fiscal year ending March 2025. Its quantitative outlook of combined receivables from loan and credit card business and guarantee business is 2 trillion and 442.6 billion yen. The outlook of receivable of loan and credit card business is 1 trillion and 72.5 billion yen, and receivable of guarantee business is 1 trillion and 370.1 billion yen in the domestic domain. As for the overseas domain, the Company aims to attain loans receivable of 58.5 billion THB for EASY BUY Public Company Limited in the Kingdom of Thailand and 1.3 billion PHP for ACOM CONSUMER FINANCE CORPORATION in Republic of the Philippines.

With regard to quantitative targets, the Group forecasts consolidated operating revenue of 313.5 billion yen, operating profit of 87.1 billion yen, ordinary profit of 87.5 billion yen and profit attributable to owners of parent of 55.6 billion yen.

Outlook above is forecast based on information available at the date of announcement of this brief statement. However, there are some potential risk factors in the Group's business management. Therefore, the actual results may differ significantly.

The trend of requests for interest repayment is also highly uncertain, due to its sensitivity to changes in external environmental changes. The Group may have to make additional provision for loss on interest repayment.

Actual results may differ from forecast values due to various risk factors, not limited to those mentioned above.

The trend for past 11 years is available in PDF and excel format.