Gmo Payment Gateway, Inc. · TSE:3769

Gmo Payment Gateway — Q3 FY2026 Earnings Presentation

60 slides from Gmo Payment Gateway's earnings presentation, Aug 14, 2026

  1. Slide 1: Financial Results Briefing for Q3 FY2026

    Financial Results Briefing FinTech Powers Next for Q3 FY2026 Cumulative Q3 performance exceeded plans; progressing with initiatives towards OP ¥100.0 bn target August 14, 2026 86th Investor Meeting Copyright (C) 1995 GMO Payment Gateway, Inc. All Rights Reserved. 1

  2. Slide 2: Safe Harbor Statement for Forward Looking Statements

    Safe Harbor Statement for Forward Looking Statements The contents of this document is based on generally recognized economic and social conditions, as well as certain assumptions judged to reasonable by GMO Payment Gateway as of August 14, 2026. Note that the contents are subject to change without p

  3. Slide 3: Agenda

    Agenda 1. Earnings Summary 2. Growth Strategy 3. Financial Strategy and Sustainability 4. Financial Highlights and Reference Materials Copyright (C) 1995 GMO Payment Gateway, Inc. All Rights Reserved. 3

  4. Slide 4: 1. Earnings Summary

    1. Earnings Summary Copyright (C) 1995 GMO Payment Gateway, Inc. All Rights Reserved. 4

  5. Slide 5: 1.1 Summary of Consolidated Results

    1.1 Summary of Consolidated Results Q3 OP grew 26.9% YoY and cumulative Q3 grew 24.2% YoY; both exceeding plans Cumulative Cumulative FY2026 Q3 FY2026 （¥ mil） Q3 FY2025 Q3 FY2026 % YoY Guidance Actual Actual Actual (achievement %) (% YoY) 93,235 23,644 Revenue 61,002 69,728 +14.3% (74.8%) (+16.8%) 6

  6. Slide 6: 1.2 TRX Value/Volume and Revenue Excluding Impact of Specific Merchant (Q3)

    1.2 TRX Value/Volume and Revenue Excluding Impact of Specific Merchant (Q3) Consol. online GMV grew 17.3% excl. the impact from a specific merchant Consol. TRX value/volume, spread and fee revenues excluding the specific merchant impact (Q3) （¥ trn） （Mil. transactions) % YoY Consol. online TRX volum

  7. Slide 7: 1.3 Waterfall Chart of Consol. Revenue (Q3)

    1.3 Waterfall Chart of Consol. Revenue (Q3) GMO-PG/PS/EP impacted by slowdown in SME EC market; GMO-FG and overseas performed strongly Consol. GMO-PG*2 GMO-PS*2 Overseas*2 Consol. （% YoY） GMO-FG*1 GMO-EP*2*3 GMO-RP*2*3 （¥ bn） +36.4% +9.1% +5.1% +2.7% +95.7% +31.4% +16.8% 24 ¥23.6 bn Others 23 Change

  8. Slide 8: 1.4 Profit Generation Capability of Consolidated Portfolio (Q3)

    1.4 Profit Generation Capability of Consolidated Portfolio (Q3) Q3 OP reached ¥10.3 bn from revenue diversification outside the EC domain and profitability improvement at each business Operating profit of consolidated subsidiaries (Q3)* (¥ mil) Q3 FY2026 ¥10.3 bn OP margin +26.9% YoY Q3 FY20 Q3 FY25

  9. Slide 9: 2. Growth Strategy

    2. Growth Strategy Copyright (C) 1995 GMO Payment Gateway, Inc. All Rights Reserved. 9

  10. Slide 10: 2.1.1 Management Target

    2.1.1 Management Target Equation to realize OP ¥100.0 bn in FY2030 or FY2031 Payment Domain* Value-Add domain* FY2030 or FY2031 FY2025 Market Share Profitability OP target OP expansion expansion improvement ¥100.0 bn ＝ 30.0bn× 1.6 × 1.6 × 1.1 ＋ 15.0bn 1.086 1.086 1.026 * Payment domain covers GMO-PG

  11. Slide 11: 2.1.2 Progress Towards OP ¥100.0 bn

    2.1.2 Progress Towards OP ¥100.0 bn This FY progressing towards OP ¥100.0 bn (CAGR over 22%) having fulfilled prerequisites Target (26/9←27/9←28/9） Management Prerequisites Progress FY2026 Actual Work In Progress for FY2027 to FY2028 Enter markets with low cashless Entered mobility/Public Infrastruc

  12. Slide 12: 2.2 Market Expansion

    2.2 Market Expansion Cashless market grew 15.4% versus growth target of 8% Cashless payment market and penetration rate (released March 2026)*1 GMO-PG initiatives （¥ trn） Mobility domain (stera transit) Cashless payment market incl. EC Credit card Debit card ¥162 trn Adoption among domestic public t

  13. Slide 13: 2.3.1 Share Expansion: Consol. GMO-PG Large-scale Projects

    2.3.1 Share Expansion: Consol. GMO-PG Large-scale Projects Building new large-scale projects in the broader EC/CP domain Large-scale projects in payment domain of GMO-PG/PS/FG (received tentative acceptance) Scale NEW Financial C NEW Taxes (Annual revenue NEW Added from Q2 FY26 NEW Food at customer)

  14. Slide 14: 2.3.2 Share Expansion: Commercial Facility

    2.3.2 Share Expansion: Commercial Facility Deployed at 80 facilities operated by Mitsui Fudosan by leveraging expertise of commercial facilities GMO-PG’s GMV share in cashless market incl. EC*2 Implemented payment platform to major commercial facility operator （¥ trn） June 2026 Cashless market incl.

  15. Slide 15: 2.3.3 Initiatives to be the No.1 PSP in the Age of AI

    2.3.3 Share Expansion: Initiatives to be the No.1 PSP in the Age of AI Buildout payment foundation to cater to the rise of agentic commerce Revenue AI use case AI initiatives（implemented Q3 FY2026） improvement Developed payment development document Global agentic commerce market size is expected to

  16. Slide 16: 2.4 Profitability Improvement

    2.4 Profitability Improvement Progress on track to improve OP margin to 43% (up 5%pts) by FY2030/FY2031 SG & A expense ratio (quarterly) Operating profit margin (annual) （¥ mil） Revenue FY2030 SG & A expense orFY2031 24,000 SG&A ratio 50.0% 50.0% target SG&A ratio 1-yr trailing average 22,000 +5pt 4

  17. Slide 17: 2.5.1 Value-added Domain

    2.5.1 Value-added Domain Cumulative Q3 OP grew 55.3% YoY versus the OP CAGR over- 30% target Revenues from value-added domain (cumulative Q3) Value-added domain OP: actual and target (annual) （¥ mil） % YoY （¥ bn） FY2030/2031 9,000 ■ GMO enpay ■ Salary FinTech Total +33.8% OP target 8,000 ■ GMO-RP ■

  18. Slide 18: 2.5.2 Value-added Domain: GMO-RP/Salary FinTech/GMO Enpay

    2.5.2 Value-added Domain: GMO-RP/Salary FinTech/GMO Enpay Promoting products/external collaboration in the three value- added domains GMO-RP Salary FinTech* GMO Enpay Total number of accounts 25.5% YoY Number of companies adopting Number of operating facilities: up +17.9% Instant Salary byGMO: over

  19. Slide 19: 2.5.3 Value-added Domain: BtoB Market

    2.5.3 Value-added Domain: BtoB Market Multiple business launched in this ¥226 trillion market; service provision to Amazon Business BtoB market size Launched new payment method to corporate users of Amazon Business July 2026 Launched ‘invoice payment by account transfer’ NEW Real estate, financial t

  20. Slide 20: 2.6 GMO-PG Non-consolidated

    2.6 GMO-PG Non-consolidated Driving new customer acquisitions to lower dependence on existing project growth; responding to deceleration in SME domain Pipeline buildout for FY2027 and FY2028 (projects in which estimates submitted) Issues and Responses Greater accuracy in managing project FY2030/FY20

  21. Slide 21: 2.7 GMO-EP: Online Payment

    2.7 GMO-EP：Online Payment Q3 revenue grew 2.7% due to changes in delivery service charges GMO-EP revenue (Q3) Progress of fincode byGMO （¥ mil） % YoY Multiple new large- TRX value scale projects +2.7% % YoY expected to start 1,500 Impact of change +123.8% operation next FY in delivery service charge

  22. Slide 22: 2.8 GMO-PS: Payment After Delivery

    2.8 GMO-PS：Payment After Delivery Returning to growth trajectory; OP increased 36.5% from lower credit costs including one-time factors GMO-PS revenue and OP (Q3) GMO-PS: OP trend (quarterly) （¥ mil） Revenue from new domains % YoY 25% OP margin OP margin quarterly average Revenue from existing domai

  23. Slide 23: 2.9 Consolidated GMO-FG: CP Payment

    2.9 Consolidated GMO-FG：CP Payment Recurring-model revenue grew 26.7%; stacking up projects in daily life domain Consol. GMO-FG revenue by business model*1 (Cumulative Q3) Project pipeline and Number of IDs Continually adding （10,000 IDs） (¥ mil) Stock projects to reach Fee ■ Acquired 1 mil. IDs by2

  24. Slide 24: 2.10.1 Global: Earnings Summary for MSB and Payment Business

    2.10.1 Global: Earnings Summary for MSB and Payment Business Revenue increased 80.9% from building up prime credit portfolio Revenue & OP (Q3) Loan balance (Jun-year end) New loans/Loans increases (Q3 FY2026) (¥ mil) (¥ mil) % YoY % YoY 1,250 +80.9% +84.1% Asia 40,000 Asia total New：Personal loan Fi

  25. Slide 25: 2.10.2 Global: OP Target

    2.10.2 Global: OP Target Diversify region/sectors by back-casting from the FY2030/FY2031 targets Global loan portfolio Global OP* Breakdown of loan balance as of end-June 2026 （¥ mil） FY2030-FY2031 Actual Sample of borrowers selected out of 44 corporate borrowers 6,000 ¥5.0-6.0 bn Weighted average i

  26. Slide 26: 3. Financial Strategy and Sustainability

    3. Financial Strategy and Sustainability Copyright (C) 1995 GMO Payment Gateway, Inc. All Rights Reserved. 26

  27. Slide 27: 3.1 Financial Strategy

    3.1 Financial Strategy Pursuing funding strategy of redemption of CB at maturity and continued issuance of straight bonds Interest bearing debt Financial Strategy (¥ mil) Capital base: risk-taking capacity Mar-26 Jun-26 ・Balance retained earnings and Sustainable CB 80,000 redemption shareholder retu

  28. Slide 28: 3.2 Sustainability

    3.2 Sustainability Selected consecutively as index constituent by promoting sustainability management Consistently included as constituent of ESG indices NEW NEW NEW 4th consecutive year 4th consecutive year 5th consecutive year as a constituent as a constituent as a constituent Consistently include

  29. Slide 29: 4. Financial Highlights and Reference Materials

    4. Financial Highlights and Reference Materials Copyright (C) 1995 GMO Payment Gateway, Inc. All Rights Reserved. 29

  30. Slide 30: 4.1.1 Consolidated Balance Sheet

    4.1.1 Consolidated Balance Sheet Funded the increase in MSB-related assets using sustainability-linked loan Assets Liabilities and Equity (¥ mil) (¥ mil) ※・Liquidity necessary for payment processing business ・Standby funds for investment/lending 429,773 429,773 406,800 406,800 400,000 Cash 400,000 c

  31. Slide 31: 4.1.2 Major Consolidated Financial Indicators

    4.1.2 Major Consolidated Financial Indicators*1 Managing businesses while balancing profitability, capital efficiency and capital base 2015 2018 2021 2025 March 2026 Third party allotment Issued Euro Yen CB Euro Yen CB Issued First Ever Sustainable Loan Raised ¥8.0bn Raised ¥17.5 bn Raised ¥21.1 bn

  32. Slide 32: 4.1.3 Capital Efficiency

    4.1.3 Capital Efficiency (excerpt from FY2025 financial results briefing material) ROIC improved by 1.4%pts, ROE by 1.0%pts from improved capital efficiency across businesses and on a consolidated basis Annual trend of ROE*1／ROIC*2／WACC 33.8% Jul. 2025 Euro Yen CB 35.0% ROE *1 Straight bond Due June

  33. Slide 33: 4.2 Waterfall Chart of Consol. Revenue (cumulative Q3)

    4.2 Waterfall Chart of Consol. Revenue (cumulative Q3) Consol. revenue grew 14.3% driven by GMO-FG’s recurring-model revenue and strong overseas （% YoY） Consol. GMO-PG*2 GMO-PS*2 Overseas*2 Consol. （¥ bn） GMO-FG*1 GMO-EP*2*3 GMO-RP*2*3 71 +22.6% +9.4% +5.9% +8.8% +79.1% +32.2% +14.3% ¥69.7 bn 69 Oth

  34. Slide 34: 4.3.1 Waterfall Chart for Consol. OP and Pre-tax Profit (Cumulative Q3)

    4.3.1 Waterfall Chart for Consol. OP and Pre-tax Profit (Cumulative Q3) OP increased 24.2% from absence of one-time expense recorded in Q2 last FY, and other factors OP waterfall chart* Pre-tax profit waterfall chart* （¥ mil） （¥ mil） % YoY +24.2% % YoY +21.3% GP SGA Other Other OP Financial Financia

  35. Slide 35: 4.3.2 Waterfall Chart for Consol. OP and Pre-tax Profit (Q3)

    4.3.2 Waterfall Chart for Consol. OP and Pre-tax Profit (Q3) OP increased 26.9% from revenue growth and reduction of SG&A expenses OP waterfall chart* Pre-tax profit waterfall chart* （¥ mil） （¥ mil） % YoY +26.9% % YoY +24.1% GP SGA Other Other OP Financial Financial Equity increase decrease revenue

  36. Slide 36: 4.4.1 Consolidated CoS and SG&A Ratio (Quarterly)

    4.4.1 Consolidated CoS and SG&A Ratio (Quarterly) CoS ratio fluctuates depending on revenue mix (¥ mil) 23,592 23,644 24,000 22,491 22,000 21,496 50.0% 20,295 20,462 20,245 19,588 20,000 18,313 18,096 40.9% 17,785 18,000 16,546 38.5% 40.0% 15,641 16,118 37.0% 36.0% 36.6% 16,000 33.6% 14,813 35.1% 35

  37. Slide 37: 4.4.2 CoS/SGA Ratio of GMO-PG & GMO-EP (Quarterly)

    4.4.2 CoS/SGA Ratio of GMO-PG & GMO-EP (Quarterly) CoS ratio trending stably for online payment business (¥ mil) 16,000 50.0% 13,837 14,000 13,583 13,302 13,079 12,533 12,539 12,161 40.7% 12,000 11,449 40.0% 36.6% 10,158 10,511 10,681 35.6% 34.1% 34.2% 9,219 10,000 9,564 32.0% 9,177 9,083 8,498 30.3

  38. Slide 38: 4.5 Consolidated Revenue and Operating Profit (Quarterly)

    4.5 Consolidated Revenue and Operating Profit (Quarterly) Consolidated revenue Consolidated operating profit （¥ mil） （¥ mil） 30,000 12,000 25,000 10,000 20,000 8,000 15,000 6,000 10,000 4,000 5,000 2,000 0 0 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q FY2023 FY2024 FY2025 FY2026 FY2023 FY2024 FY2025 FY2026 * Figures fo

  39. Slide 39: 4.6 Consolidated EBITDA and EBITDA Margin (Quarterly)

    4.6 Consolidated EBITDA* and EBITDA Margin (Quarterly) （¥ mil） FY2024 FY2025 12,000 100.0% ¥28,534 mil ¥35,261 mil 11,421 11,288 90.0% 10,000 9,581 80.0% 9,142 9,016 8,946 8,157 70.0% 8,000 7,633 7,720 60.0% 6,594 6,588 47.8% 48.3% 6,000 50.0% 45.2% 44.1% 42.7% 42.6% 41.7% 41.6% 4,932 40.2% 37.1% 40

  40. Slide 40: 4.7.1 Consolidated Cash Flow Statement

    4.7.1 Consolidated Cash Flow Statement Cumulative Q3 FY2026 (¥ mil) （¥ mil） Operating CF ： +13,893 Pretax profit +29,028 50,000 Deprec. & Amort. +3,178 Inventory －1,331 Trade/other receivables －9,654 40,000 Advances paid －15,052 Accrued revenue －2,594 Accrued expenses +2,323 30,000 Deposits received

  41. Slide 41: 4.7.2 Major Factors Affecting Consolidated Cash Flow Statement

    4.7.2 Major Factors Affecting Consolidated Cash Flow Statement Related liabilities & assets Impact from business expansion Payment Processing Business Sales proceeds of Deposits received merchants under the Liability Operating CF (liability) Representative Contract Yearly fluctuations can be large a

  42. Slide 42: 4.8.1 Revenue by Business Model

    4.8.1 Revenue by Business Model Fee revenue grew 17.7% excluding impact of a specific merchant % YoY Factors* (¥ mil) 70,000 69,728 Cumu. Q3 FY25 Cumu. Q3 FY26 61,002 Spread +20.0% +17.8% ＋ Overseas lending 60,000 ＋ CP payment 29,820 － Payment after Delivery 50,000 25,311 ＋ Remittance service 40,000

  43. Slide 43: 4.8.2 Consolidated Revenue by Business Model (Quarterly)

    4.8.2 Consolidated Revenue by Business Model (Quarterly) (¥ mil) 10,233 10,000 9,771 9,815 9,029 8,464 8,387 8,459 8,000 7,424 7,222 6,988 6,889 6,555 6,617 6,461 6,503 6,265 6,324 6,171 6,088 6,057 6,025 5,990 6,000 5,702 5,297 5,415 5,267 5,292 5,093 4,773 4,430 4,257 4,311 3,840 2,408 3,945 3,960

  44. Slide 44: 4.9.1 Consolidated Segment Performance (Cumulative Q3)

    4.9.1 Consolidated Segment Performance (Cumulative Q3) Money Service Business segment OP grew 40.5% due to contribution from overseas lending Segment revenue* Segment profit/loss* % YoY % YoY (¥ mil) Cumu. Q3 FY25 Cumu. Q3 FY26 (¥ mil) Cumu Q3 FY25 Cumu. Q3 FY26 70,000 +12.6% +14.3% +20.1% +24.2% 30

  45. Slide 45: 4.9.2 Consolidated Segment Performance (Q3)

    4.9.2 Consolidated Segment Performance (Q3) Money Service Business segment OP grew 54.6% due to contribution from overseas lending Segment revenue* Segment profit/loss* % YoY % YoY Q3 FY2025 Q3 FY2026 Q3 FY2025 Q3 FY2026 (¥ mil) +11.9% +16.8% (¥ mil) +18.4% +26.9% +24.5% +0.4% +44.3% －6.3% 10,000 20

  46. Slide 46: 4.10.1 FinTech Related Assets (Quarterly)

    4.10.1 FinTech Related Assets (Quarterly) FinTech related assets （¥ mil） 80,000 % YoY 70,000 60,000 Early Payment +29.2% 50,000 40,000 Overseas lending 30,000 +84.1% 20,000 GMO 10,000 Payment After Delivery 0 End-Q4 End-Q1 End-Q2 End-Q3 End-Q4 End-Q1 End-Q2 End-Q3 End-Q4 End-Q1 End-Q2 End-Q3 End-Q4

  47. Slide 47: 4.10.2 FinTech Revenue and Profits (Quarterly)

    4.10.2 FinTech Revenue and Profits (Quarterly) FinTech revenues and profit （¥ mil） % YoY 5,000 +12.0% ＋84.7% 4,000 ＋13.1% 3,000 ＋5.0% 2,000 ＋54.6% 1,000 0 22/4Q 23/1Q 23/2Q 23/3Q 23/4Q 24/1Q 24/2Q 24/3Q 24/4Q 25/1Q 25/2Q 25/3Q 25/4Q 26/1Q 26/2Q 26/3Q GMO Payment After Delivery*1 Remittance service O

  48. Slide 48: 4.11.1 GMO-PG Non-Consol. Performance (Quarterly)

    4.11.1 GMO-PG Non-Consol. Performance (Quarterly) Revenue grew 9.1% from the cycling through of the contribution from a large merchant and the specific merchant impact GMO-PG non-consolidated revenue & OP (quarterly)*1 % YoY （¥ mil） Other/Payment enhancement business Q3 FY2025 Q2 FY2026 Q3 FY2026 14

  49. Slide 49: 4.11.2 Performance of GMO-EP, GMO-PS and GMO-FG (Quarterly)

    4.11.2 Performance of GMO-EP, GMO-PS and GMO-FG (Quarterly) GMO-EP and GMO-PS are resolving issues, GMO-FG’s initial and recurring-model were strong GMO-EP (quarterly)*1*2 GMO-PS (quarterly)*2 Consol. GMO-FG (quarterly)*3 (% YoY） Q3 FY25 Q2 FY26 Q3 FY26 Q3 FY25 Q2 FY26 Q3 FY26 Q3 FY25 Q2 FY26 Q3 FY2

  50. Slide 50: 4.12 BaaS Support and CP Payment Revenues

    4.12 BaaS Support and CP Payment Revenues Ginko Pay base system & processing PF revenue (Q3)*1 Consol. GMO-FG revenue by business model (Q3)*2 （¥ mil） % YoY （¥ mil） ■ Ginko Pay base system % YoY 3,500 % YoY 3,500 ■ Acquiring support (processing PF) ■ Issuing support (processing PF) Total Initial Rec

  51. Slide 51: 4.13.1 Operating Stores, TRX Volume and Value

    4.13.1 Operating Stores, TRX Volume and Value Consol. TRX value reaches approx. ¥23.7 trn for the past 12 months Operating TRX Volume*2*3 TRX Value*2 Stores*1*2/IDs*2 End-Q3 FY2026 Q3 FY2026 Past 12 months Q3 FY2026 Past 12 months - 2.22 bn 8.60 bn ¥6.1 trn ¥23.7 trn Consol. % YoY - －3.9% +0.5% +8.4

  52. Slide 52: 4.13.2 Waterfall Chart of Consol. TRX Value (Cumulative Q3)

    4.13.2 Waterfall Chart of Consol. TRX Value (Cumulative Q3) Consol. TRX value grew 16.2% excluding impact from specific merchant CP Online payment GMO-PG －0.8% Consol. +7.3% payment Market stats*1 +5.6% （% YoY） （¥ trn） Non-merchandise EC Merchandise EC GMO-PG +20.3% －8.1% x.x +16.4% Market stats*1 -

  53. Slide 53: 4.13.3 Waterfall Chart of Consol. TRX Value (Q3)

    4.13.3 Waterfall Chart of Consol. TRX Value (Q3) Consol. TRX value grew 18.0% excluding impact from specific merchant CP Online payment GMO-PG +1.4% Consol. +8.4% payment Market Stats*1 +2.4% （% YoY） （¥ trn） Non-merchandise EC Merchandise EC GMO-PG +19.0% －6.0% x.x +18.6% Market stats*1 - +3.1% +1.8

  54. Slide 54: 4.13.4 GMO-PG's Adjusted Online Payment GMV Growth Rate Compared to the Market

    4.13.4 GMO-PG’s Adjusted Online Payment GMV Growth Rate Compared to the Market GMV recovered to a 17.3% growth from the contribution of large-scale projects in respective industries Growth rates of consol. online payment TRX value (excl. impact of specific merchant) and most recent market stats on a

  55. Slide 55: 4.13.5 Distribution of Major Sectors

    4.13.5 Distribution of Major Sectors Balance both stability and growth through sector diversification Revenue share by industry (vertical axis) & Revenue growth rate (horizontal axis)* Revenue (Based on actual figures for Q3 FY2026) proportion The size of the circle represents the TRX value 25% 20%

  56. Slide 56: 4.14.1 Market Expansion

    4.14.1 Market Expansion (excerpt from FY2025 financial results briefing material) EC & Cashless Market forecast to expand by1.6x Market sizes of EC & cashless payment markets*1 2020 2025 2030-31 METI announced the METI announced the cashless cashless payment amount payment amount on Mar. 2026 ¥86 tr

  57. Slide 57: 4.14.2 Share Expansion

    4.14.2 Share Expansion (excerpt from FY2025 financial results briefing material) Online GMV*1 grew twice as fast as the market; CP exceeded market growth by 9%pts. GMO-PG consolidated transaction value share of EC & cashless payment market*2 FY2020 FY2025 FY2030 to FY2031 GMO-PG consol. TRX value sh

  58. Slide 58: 4.14.3 Profitability Improvement

    4.14.3 Profitability Improvement (excerpt from FY2025 financial results briefing material) Aim for 5%pt. OP margin uplift from the three strategies (×1.1) Take rate of spread revenue* CoS and SGA to revenue ratio OP margin & OP per employee (¥ mil) Online payment (GMO-PG, GMO-EP) 60% Cost of sales r

  59. Slide 59: 4.14.4 Value-Added Domains

    4.14.4 Value-Added Domains Expand OP from value-added domain to ¥15.0 bn in FY2030 to FY2031 Operating profit target of the value-added domain FY2020 FY2025 FY2030 or FY2031 CAGR CAGR Operating profit Total ¥0.1 bn * 105% Total ¥3.0 bn * 30% Total ¥15.0bn BaaS Support Global GMO-RP BaaS Support BaaS

  60. Slide 60: Thank You Very Much

    Thank You Very Much FinTech Powers Next GMO Payment Gateway, Inc. (3769; Tokyo Stock Exchange Prime) Please contact the IR Department for inquiries or requests for 1-on-1 interviews using the email address or telephone number shown below: TEL ： +81-3-3464-0182 E-mail ： ir-contact@gmo-pg.com IR Websi

GMO Payment Gateway — Q3 FY2026 Earnings Presentation on 6ix