Japan · Delayed Price · Currency is JPY Acom Co., Ltd. Earnings Call Transcripts
Fiscal Year 2026
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Receivables and revenue grew strongly year-on-year, with profit surging due to lower interest repayment expenses and a tax effect. While financial expenses and bad debt provisions are rising, new customer acquisition and digital initiatives support future growth.
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Receivables and operating profit exceeded targets, driven by strong domestic growth and improved asset quality. International operations faced regulatory headwinds, but profitability improved due to lower bad debt provisions. Dividend and capital ratios remain robust.
Fiscal Year 2025
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Receivables and profits exceeded targets in the first half, driven by strong loan demand and efficient customer acquisition. Bad debt expenses rose due to new borrower growth but remain controlled, while dividend and capital ratios are on track.