Credit Saison Income Statement

Financials in millions JPY. Fiscal year is April - March.

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Operating Revenue	73,635	67,536	56,380	58,715	59,341	32,382
Other Revenue	456,288	424,699	363,934	323,822	303,614	292,999
Revenue	529,923	492,235	420,314	382,537	362,955	325,381
Revenue Growth (YoY)	20.96%	17.11%	9.88%	5.39%	11.55%	-18.06%
Cost of Revenue	179,910	151,810	121,604	109,727	99,973	85,888
Gross Profit	350,013	340,425	298,710	272,810	262,982	239,493
Selling, General & Admin	236,271	230,554	210,157	199,814	180,861	175,781
Other Operating Expenses	-	-	2,315	-	13,650	-
Operating Expenses	267,415	261,698	242,778	229,322	222,541	202,380
Operating Income	82,598	78,727	55,932	43,488	40,441	37,113
Interest & Investment Income	1,366	1,366	1,273	1,197	1,206	1,188
Earnings From Equity Investments	13,532	13,030	29,262	5,982	4,588	4,168
Other Non Operating Income (Expenses)	-3,164	1,847	5,489	3,986	2,912	2,095
EBT Excluding Unusual Items	94,332	94,970	91,956	54,653	49,147	44,564
Gain (Loss) on Sale of Investments	-2,753	-2,753	1,970	4,306	852	4,580
Gain (Loss) on Sale of Assets	1,237	1,237	4,630	2,733	138	2,988
Asset Writedown	-670	-670	-604	-649	-201	-1,218
Pretax Income	92,146	92,784	97,952	61,043	49,936	50,914
Income Tax Expense	26,340	25,435	24,667	17,183	14,343	14,668
Earnings From Continuing Operations	65,806	67,349	73,285	43,860	35,593	36,246
Minority Interest in Earnings	-501	-952	-298	-261	-218	-114
Net Income	65,305	66,397	72,987	43,599	35,375	36,132
Net Income to Common	65,305	66,397	72,987	43,599	35,375	36,132
Net Income Growth	13.73%	-9.03%	67.41%	23.25%	-2.10%	58.04%
Shares Outstanding (Basic)	150	157	161	156	156	156
Shares Outstanding (Diluted)	150	157	161	156	156	156
Shares Change (YoY)	-7.33%	-2.56%	3.05%	0.02%	0.02%	-1.97%
EPS (Basic)	435.65	423.01	453.08	278.91	226.35	231.24
EPS (Diluted)	435.00	422.19	452.69	278.75	226.13	231.01
EPS Growth	22.76%	-6.74%	62.40%	23.27%	-2.11%	62.03%
Free Cash Flow	-190,011	-269,983	-232,677	-145,728	-86,876	-21,838
Free Cash Flow Per Share	-1267.57	-1720.05	-1444.39	-932.25	-555.88	-139.76
Dividend Per Share	120.000	120.000	85.000	70.000	55.000	45.000
Dividend Growth	41.18%	41.18%	21.43%	27.27%	22.22%	-
Gross Margin	66.05%	69.16%	71.07%	71.32%	72.46%	73.60%
Operating Margin	15.59%	15.99%	13.31%	11.37%	11.14%	11.41%
Profit Margin	12.32%	13.49%	17.36%	11.40%	9.75%	11.11%
Free Cash Flow Margin	-35.86%	-54.85%	-55.36%	-38.09%	-23.94%	-6.71%
EBITDA	117,078	112,322	88,601	74,970	70,266	65,737
EBITDA Margin	22.09%	22.82%	21.08%	19.60%	19.36%	20.20%
D&A For EBITDA	34,480	33,595	32,669	31,482	29,825	28,624
EBIT	82,598	78,727	55,932	43,488	40,441	37,113
EBIT Margin	15.59%	15.99%	13.31%	11.37%	11.14%	11.41%
Effective Tax Rate	28.59%	27.41%	25.18%	28.15%	28.72%	28.81%
Advertising Expenses	-	35,421	29,409	28,619	23,539	23,421

Source: S&P Global Market Intelligence. Standard template. Financial Sources.