Credit Saison Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Revenue	454,485	70,987	67,536	56,380	58,715	59,341
Other Revenue	97,432	475,282	424,699	363,934	323,822	303,614
Revenue	551,917	546,269	492,235	420,314	382,537	362,955
Revenue Growth	10.50%	10.98%	17.11%	9.88%	5.39%	11.55%
Cost of Revenue	65,646	186,203	151,810	121,604	109,727	99,973
Gross Profit	486,271	360,066	340,425	298,710	272,810	262,982
Selling, General & Admin	277,159	219,628	208,533	191,051	179,449	163,952
Other Operating Expenses	64,166	23,499	22,021	21,421	20,365	30,559
Operating Expenses	341,325	274,260	261,698	242,778	229,322	222,541
Operating Income	144,946	85,806	78,727	55,932	43,488	40,441
Interest Expense	-54,404	-	-	-	-	-
Interest & Investment Income	-	1,120	1,366	1,273	1,197	1,206
Earnings From Equity Investments	13,170	12,768	13,030	29,262	5,982	4,588
Other Non Operating Income (Expenses)	2,620	884	1,847	5,489	3,986	2,912
EBT Excluding Unusual Items	106,332	100,578	94,970	91,956	54,653	49,147
Gain (Loss) on Sale of Investments	-920	-4,251	-2,753	1,970	4,306	852
Gain (Loss) on Sale of Assets	-4,587	1,079	1,237	4,630	2,733	138
Asset Writedown	-1,159	-7,427	-670	-604	-649	-201
Pretax Income	99,666	89,979	92,784	97,952	61,043	49,936
Income Tax Expense	30,023	27,407	25,435	24,667	17,183	14,343
Earnings From Continuing Operations	69,643	62,572	67,349	73,285	43,860	35,593
Minority Interest in Earnings	-1,238	-844	-952	-298	-261	-218
Net Income	68,405	61,728	66,397	72,987	43,599	35,375
Net Income to Common	68,405	61,728	66,397	72,987	43,599	35,375
Net Income Growth	3.80%	-7.03%	-9.03%	67.41%	23.25%	-2.10%
Shares Outstanding (Basic)	144	145	157	161	156	156
Shares Outstanding (Diluted)	144	145	157	161	156	156
Shares Change	-5.99%	-7.49%	-2.56%	3.05%	0.02%	0.02%
EPS (Basic)	474.56	425.13	423.01	453.08	278.91	226.35
EPS (Diluted)	473.79	424.61	422.19	452.69	278.75	226.13
EPS Growth	10.42%	0.57%	-6.74%	62.40%	23.27%	-2.11%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Free Cash Flow	-	-153,800	-269,983	-232,677	-145,728	-86,876
Free Cash Flow Per Share	-	-1059.24	-1720.05	-1444.39	-932.25	-555.88
Dividend Per Share	130.000	130.000	120.000	85.000	70.000	55.000
Dividend Growth	8.33%	8.33%	41.18%	21.43%	27.27%	22.22%
Gross Margin	88.11%	65.91%	69.16%	71.07%	71.32%	72.46%
Operating Margin	26.26%	15.71%	15.99%	13.31%	11.37%	11.14%
Profit Margin	12.39%	11.30%	13.49%	17.36%	11.40%	9.75%
Free Cash Flow Margin	-	-28.16%	-54.85%	-55.36%	-38.09%	-23.94%
EBITDA	178,799	120,419	112,322	88,601	74,970	70,266
EBITDA Margin	32.40%	22.04%	22.82%	21.08%	19.60%	19.36%
D&A For EBITDA	33,853	34,613	33,595	32,669	31,482	29,825
EBIT	144,946	85,806	78,727	55,932	43,488	40,441
EBIT Margin	26.26%	15.71%	15.99%	13.31%	11.37%	11.14%
Effective Tax Rate	30.12%	30.46%	27.41%	25.18%	28.15%	28.72%
Advertising Expenses	-	37,253	35,421	29,409	28,619	23,539