AEON Financial Service Co., Ltd. (TYO: 8570)

AEON Financial Service Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Nov 30, 2024	Feb 29, 2024	Feb 28, 2023	Feb 28, 2022	Feb 28, 2021	Feb 29, 2020
Interest Income on Loans	199,012	177,493	163,410	152,101	160,265	185,877
Interest Income on Investments	2,626	2,626	3,162	4,866	4,650	5,037
Total Interest Income	201,638	180,119	166,572	156,967	164,915	190,913
Interest Paid on Deposits	8,598	3,095	2,397	1,864	2,321	3,501
Interest Paid on Borrowings	23,626	23,626	18,953	16,596	18,437	20,385
Total Interest Expense	32,224	26,721	21,350	18,460	20,758	23,885
Net Interest Income	169,414	153,398	145,222	138,507	144,157	167,028
Net Interest Income Growth (YoY)	13.79%	5.63%	4.85%	-3.92%	-13.69%	11.50%
Gain (Loss) on Sale of Assets	-2,996	-685	-617	-606	-701	-834.55
Gain (Loss) on Sale of Investments	423	376	300	743	-398	201.82
Other Non-Interest Income	164,097	163,717	156,655	169,983	184,238	160,325
Total Non-Interest Income	296,079	289,124	268,754	301,899	311,840	296,820
Non-Interest Income Growth (YoY)	6.97%	7.58%	-10.98%	-3.19%	5.06%	11.10%
Revenues Before Loan Losses	465,493	442,522	413,976	440,406	455,997	463,848
Provision for Loan Losses	-15,502	-16,048	-16,116	-11,920	-9,450	-10,477
Revenue	480,995	458,570	430,092	452,326	465,447	474,325
Revenue Growth (YoY)	8.80%	6.62%	-4.92%	-2.82%	-1.87%	30.69%
Selling, General & Administrative	396,205	381,006	342,034	347,766	358,689	387,248
Other Non-Interest Expense	27,661	26,977	28,272	45,620	67,606	16,347
Total Non-Interest Expense	423,586	407,828	369,165	392,554	425,911	403,384
EBT Excluding Unusual Items	57,409	50,742	60,927	59,772	39,536	70,941
Asset Writedown	-1,184	-1,297	-777	-202	-144	-330.55
Other Unusual Items	-172	-90	-267	174	-88	-214.91
Pretax Income	56,047	48,880	59,799	59,744	39,304	70,395
Income Tax Expense	17,664	15,174	16,177	18,698	13,196	21,312
Earnings From Continuing Operations	38,383	33,706	43,622	41,046	26,108	49,083
Minority Interest in Earnings	-12,580	-12,810	-12,945	-10,834	-8,415	-11,830
Net Income	25,803	20,896	30,677	30,212	17,693	37,253
Net Income to Common	25,803	20,896	30,677	30,212	17,693	37,253
Net Income Growth	30.92%	-31.88%	1.54%	70.76%	-52.51%	-5.47%
Basic Shares Outstanding	216	216	216	216	216	216
Diluted Shares Outstanding	216	216	216	216	216	222
Shares Change (YoY)	0.02%	0.01%	0.00%	-0.00%	-2.57%	-2.64%
EPS (Basic)	119.53	96.80	142.12	139.98	81.98	172.64
EPS (Diluted)	119.52	96.80	142.12	139.97	81.97	168.16
EPS Growth	30.90%	-31.89%	1.54%	70.76%	-51.26%	-2.91%
Dividend Per Share	53.000	53.000	53.000	46.000	34.000	74.182
Dividend Growth	-8.62%	0%	15.22%	35.29%	-54.17%	9.09%
Effective Tax Rate	31.52%	31.04%	27.05%	31.30%	33.57%	30.27%

Source: S&P Capital IQ. Banks template. Financial Sources.