Credit Saison Co., Ltd. · TSE:8253
Credit Saison — FY2025 3Q Earnings Presentation
31 slides from Credit Saison's earnings presentation, Feb 13, 2026
Slide 1: FY2025 3Q Summary of Financial Results
FY2025 3Q Summary of Financial Results February 13, 2026 Tokyo Stock Exchange Prime Market, Securities Code: 8253
Slide 2: Overview of FY2025 3Q Financial Results
01． Overview of FY2025 3Q Financial Results *The plans listed on each page are figures announced in November 2025 (2Q financial results). © 2026 CREDIT SAISON CO., LTD. 2
Slide 3: FY2025 3Q Financial Results Digest
FY2025 3Q Financial Results Digest Net revenue 353.7 112.8％ 74.7％ billion yen YoY Progress rate FY25 3Q Consolidated Business profit 83.3 104.3％ 86.8％ billion yen YoY Progress rate Results Profit attributable 48.8 84.7％ 82.7％ to owners of parent billion yen YoY Progress rate ✓ Sales and business pro
Slide 4: Financial Summary
Financial Summary (billion yen) Progress FY24-3Q FY25-3Q YoY FY25 Plan Rate Consolidated Net revenue 313.4 353.7 112.8% 473.5 74.7% Business profit 79.9 83.3 104.3% 96.0 86.8% Profit attributable to owners of parent 57.6 48.8 84.7% 59.0 82.7% Operating revenue 229.1 256.8 112.1% 342.5 75.0% Non-cons
Slide 5: Overview of Business Results by Segment (Net Revenue)
Overview of Business From FY25-1Q, due to organizational restructuring conducted in June 2025, the rent guarantee business previously included in the “Payment Business” has been changed to the "Finance Business." Additionally, with the segment Results by Segment change, the segment information for F
Slide 6: Overview of Business Results by Segment (Business Profit)
Overview of Business From FY25-1Q, due to organizational restructuring conducted in June 2025, the rent guarantee business previously included in the “Payment Business” has been changed to the "Finance Business." Additionally, with the segment Results by Segment change, the segment information for F
Slide 7: Quarterly Trends and Key Topics
Business Profit or Loss by Segment Quarterly Trends and Key Topics (billion yen) FY24 FY25 1Q 2Q 3Q FY25 Full-Year Plan 1-3Q 1-3Q （25/4-6） （25/7-9） （25/10-12） Payment 26.9 30.5 11.5 5.5 13.3 33.0 2Q→3Q: In addition to growth in shopping transaction volume and card shopping revenue mainly from revolv
Slide 8: Contribution by Consolidated Companies
Contribution by Consolidated Companies ■ Business Profit Difference (billion yen) Consolidated Non-consolidated Difference business profit ordinary profit FY25-3Q 83.33 55.32 28.00 (Year-on-year difference) 3.39 8.51 -5.11 ■Contribution by Consolidated Companies (billion yen) Contribution to Year-on
Slide 9: Overview of Each Business Segment
02．Overview of Each Business Segment *The plans listed on each page are figures announced in November 2025 (2Q financial results). © 2026 CREDIT SAISON CO., LTD. 9
Slide 10: Global Business Overview
Global Business Global Business Overview ✓ Core lending business shifts to strong recovery trend 3.6 ■Segment Business Profit billion yen 2Q (July-September) 2.8 0.2 billion yen ・India returned to profitability ・Increased ECL allowance in Indonesia 0.4 -1 3.4 -1.8 billion yen -4.6 2.3 billion yen bi
Slide 11: Status Update on 1st Half Fiscal Year
Global Business Status Update on 1st Half Fiscal Year ✓ Steady execution of measures addressing 1st Half events for sustainable growth of the global business Events through the 1st half of FY25 1Q India - Recognition of credit costs in accordance with the RBI‘s Completed by provisioning policy has b
Slide 12: Credit Saison India: Sustained robust improvement trend
Global Business Credit Saison India: Sustained robust improvement trend ■3Q (October-December) overview ■Credit Saison India's Business Profit 4.7 Receivables Balance 4.4 billion yen billion yen Growth pace recovers Receivables growth slowed in 2Q, but recovered in 3Q following 2.9 strategic revisio
Slide 13: Credit Saison India: Receivables Continue to Grow
Global Business Credit Saison India:Receivables Continue to Grow ✓ Maintaining a focus on direct lending with a focus on quality portfolio management ■Trends in receivables balance (Unit: INR billion) Branch Lending Approx. Approx. Approx. 210 ✓ Expansion into secured lending to enhance risk Approx.
Slide 14: Credit Saison India: Business Model
Global Business Credit Saison India: Business Model Wholesale Partnership Embedded Branch Business Model Lending Lending Finance Lending Unsecured Secured Loans through tech enables Loans to Local Loans through tech enables Lending utilizing branches and sales Overview alliances with non-financial N
Slide 15: Credit Saison Brazil HD Saison (Vietnam)
Global Business Credit Saison Brazil HD Saison (Vietnam) ✓ Expanding through the B2B2C lending model in partnership ✓ Digitalization of lending has accelerated execution speed; with local fintech companies new loans remain robust, with the receivables balance expanding ✓ Strengthening the foundation
Slide 16: Payment Business Overview
Payment Business Payment Business Overview 3Q(Oct.-Dec.) ✓ Through the “premium strategy” and “business restructuring” ＜Difference from plan ＞ ＋Approx. 3.0 billion yen initiatives that we have been continuously pursuing, ＜Major factors＞ we achieved strong growth that more than offset the impact from
Slide 17: Improving Profitability Starting from the Membership Mix
Payment Business Improving Profitability Starting from the Membership Mix ✓ We are making progress in shifting to a profit structure that is less dependent on the number of members ✓ Our premium strategy is evolving to focus on higher value-added premium customers, strengthening the foundation for s
Slide 18: Continue Promoting the Premium Strategy Toward Sustainable Growth
Payment Business Shopping Transaction Volume, and Card Shopping Revolving and Installment Balances Continue Promoting the Premium Strategy Toward Sustainable Growth * Our premium strategy is a strategy aimed at expanding from mass-market general cards with no annual fee to gold cards or higher, as w
Slide 19: Making Cash Advances into Our Next Growth Driver
Payment Business Making Cash Advances into Our Next Growth Driver ■ Cash advance balance (billion yen) Aiming for approx. YoY110 % 100% 100% 100% 99% 101% over the medium term YoY 180.0 179.1 178.3 177.6 176.3 Strengthening cash advances through digitalization and flexible credit Responding to short
Slide 20: Finance Business Overview
Finance Business Finance Business Overview ✓ Achieved steady balance growth in the guarantee business and the real estate finance business ✓ Improved profitability through variable interest rate businesses ■ Segment business profit 34.1 billion yen ✓ Accumulated outstanding balances of mortgage loan
Slide 21: Steady Growth in Overall Consolidated Balances
Finance Business Steady Growth in Overall Consolidated Balances In the Guarantee Business, the Secured Segment is Driving Growth ■ Guarantee business balance (billion yen) ■ Real estate finance business balance (billion yen) Credit guarantees 1,200.0 12,000 No. of partnerships with financial institu
Slide 22: Credit Risk
Credit Risk Main factors behind changes from the most recent quarter ・[Non-consolidated] Shopping receivables 90+ days delinquency rate: Delinquency rates typically decline in the third quarter due to seasonal balance growth ・[Consolidated] Credit costs: Credit costs decreased in the non-consolidate
Slide 23: Appendix
Appendix. © 2026 CREDIT SAISON CO., LTD. 23
Slide 24: Financial Policy
Financial Policy ■ Sound financial base ■ Structure of interest-bearing debt Credit Rating • Almost 80% of the interest-bearing debt is composed of long-term ・R＆I A+ * Have maintained an “A+” rating for funds more than 25 years since October 1996 • Fixed interest rate procurement accounts for about
Slide 25: Progress on Capital Policy
Progress on Capital Policy Details Announced Progress and Future Outlook ・ Completed 70.0 billion yen of share buybacks by Share Buybacks October 1, 2025. Planned 70.0 billion yen of share (50.0 billion yen of which was completed by April 7, 2025) buybacks in the medium-term ・ Will continue to consi
Slide 26: Shareholder Returns
Reposting of FY25-2Q Shareholder Returns financial results briefing materials ✓ In the mid-term management plan (FY24-26), we are maintaining a policy of stable and consistent dividends, with a target dividend payout ratio of at least 30% ✓ The FY25 forecast calls for a year-end dividend of 130 yen
Slide 27: Enhancing profitability through the premium strategy
Enhancing profitability through Payment Business Reposting of FY24 the premium strategy financial results briefing materials ■ Breakdown of card shopping revenue *FY24 results Among active cardholders, Other Premium the approx. 20% who are premium members (General cards) cards account for approx. 45
Slide 28: Characteristics of the business domains targeted by our company
Payment Business Characteristics of the business domains targeted Reposting of FY24 by our company financial results briefing materials ✓プレミアム戦略 Enhancing profitability by focusing on the sole proprietor and SME segments as our main targets ■ Business Card Segments Where We Focus Our Efforts Main us
Slide 29: Progress on Initiatives to Improve Profitability
Payment Business Progress on Initiatives to Improve Profitability Reposting of FY25-1Q ✓ Since FY24, we have sequentially begun revising products and reviewing fee structures. We financial results briefing are continuing to consider additional measures going forward materials Increase in Revolving F
Slide 30: External Recognition (Examples)
External Recognition (Examples) ■ESG recognitions ■IR website recognitions Selected as a constituent for Recognized by and received awards from two major 5 out of the 6 ESG indices adopted by GPIF IR website rankings for listed companies Second First time consecutive to receive year Silver Award ■DX
Slide 31: Investor Relations Integrated Report 2025
Investor Relations https://corporate.saisoncard.co.jp/en/ir/ https://corporate.saisoncard.co.jp/en/ir/ Integrated Report 2025 https://corporate.saisoncard.co.jp/en/ir/integrated_report/ https://corporate.saisoncard.co.jp/en/ir/integrated_report/ • This report uses "FY" to indicate fiscal years. For