Gmo Financial Gate, Inc. · TSE:4051
Gmo Financial Gate — Q1 2026 Earnings Presentation
32 slides from Gmo Financial Gate's earnings presentation, Feb 13, 2026
Slide 1: Financial Results Briefing for Q1 FY2026
Financial Results Briefing for Q1 FY2026 Operating profit is ahead of guidance. Providing merchants with payment platform plus solutions to achieve continued growth with merchant February 13, 2026 GMO Financial Gate, Inc. 23rd IR Presentation (Ticker: 4051, TSE-Prime) https://gmo-fg.com/ Copyright (
Slide 2: Cautionary Note Regarding Presentation Materials
Cautionary Note Regarding Presentation Materials The content of these presentation materials is based on generally recognized economic and social conditions, as well as assumptions judged to reasonable by GMO Financial Gate as of February 13, 2026 Note that presentation material content is subject t
Slide 3: Table of Contents
Table Main Agenda of 1. Summary of Financial Results for Q1 FY2026 Contents 2. KPI / Business Highlights 3. Growth Strategy and Progress Supplemental Information 4. Appendix (Financial Information, Investment and Shareholder Return Policies) Copyright (C) 1999 GMO Financial Gate, Inc. All Rights Res
Slide 4: Summary of Financial Results
Growth Strategy and Progress 1 Copyright (C) 1999 GMO Financial Gate, Inc. All Rights Reserved.
Slide 5: 1.1 FY2026 Q1 Summary
1.1 FY2026 Q1 Summary Continued growth in recurring-model revenue. Operating profit progressed ahead of both first-half and full-year guidance. Number of active IDs and ecosystem in life necessities domain continues to expand, contributing to sustainable growth in operating profit Q1 FY2026 Results
Slide 6: 1.2 Summary of Financial Results
1.2 Summary of Financial Results Financials: Continued growth in operating profit driven by continued growth in recurring-model revenue KPI: Increase in transaction volume driven by the life necessities merchants Forecast Forecast (mn yen) Q1 FY2025 Q1 FY2026 YoY FY2026 1st half FY2026 Full-year (Pr
Slide 7: 1.3 Major Topics Regarding Financial Results
1.3 Major Topics Regarding Financial Results Revenue: Recurring revenue expanded, driven by strong contributions from life necessities merchants. Initial revenue is progressing ahead of plan Profit: While software development revenue decreased YoY, achieved steady growth through the expansion of rec
Slide 8: 1.4 Revenue by Business Model (YoY)
1.4 Revenue by Business Model (YoY) Initial: Steady accumulation despite the impact from large-scale project last FY Recurring-model: Steady growth across all items FY2025 FY2026 (mn yen) YoY (Composition %) (Composition %) 2,017 2,643 Recurring-Model +31.0% (44.0%) (53.5%) 476 572 Stock +20.1% (10.
Slide 9: 1.5 Sales by Business Model (QoQ)
1.5 Sales by Business Model (QoQ) Recurring-model: Launch of "Digital Restaurant byGMO" Initial: Growth in leisure/amusement sector and alliance partnerships Sales by Product Category (QoQ) Supplementary Information (mn yen) 5,108 4,942 5,000 Recurring- Stock Fee Spread 4,737 4,745 311 4,735 72 mode
Slide 10: KPI / Business Highlights
KPI / Business Highlights 2 Copyright (C) 1999 GMO Financial Gate, Inc. All Rights Reserved.
Slide 11: 2.1 Consolidated KPI (Number of Active Terminals) and Outlook
2.1 Consolidated KPI (Number of Active Terminals) and Outlook QoQ growth: +10k IDs Major commercial facility and fast-food chains in the lifestyle segment has been activated Active ID QoQ Supplementary Information Manned terminal (Large) Manned terminal (SME) 44.8 Terminal-less • Continued coverage
Slide 12: 2.2 Consolidated KPI (Quarterly Transaction Volume, ARPU, GMV)
2.2 Consolidated KPI (Quarterly Transaction Volume, ARPU, GMV) Transaction Volume: YoY +34.8%, driven by high-activity life necessities merchants ARPU*: YoY +13.2%, driven by continued acquisition of large merchants Number of Transaction Volume ARPU※ (Reference) Transaction Value (GMV) （10K yen） (mn
Slide 13: 2.3 Top Merchants (GMV basis)
2.3 Top 30 Merchants (GMV basis) GMV growth driven by high-performing life necessities merchants, including daily necessities stores, major commercial facilities, and drugstores. Q1 FY2025 Q1 FY2026 Transportation/Logistics A Daily necessities store A New Super Market D Major commercial facility A H
Slide 14: 2.4 Expanding No. of Merchants in Daily Life Necessities
2.4 Expanding No. of Merchants in Daily Life Necessities (top 30 merchants) Steady acceleration in the acquisition of high-ARPU, economically resilient life necessities merchants (large commercial facilities, supermarkets, daily necessities retailers, drugstores, 100-yen shops, etc.) Q1 FY2024 Q1 FY
Slide 15: Growth Strategy and Progress
Growth Strategy and Progress 3 Copyright (C) 1999 GMO Financial Gate, Inc. All Rights Reserved.
Slide 16: 3.1 Profit Roadmap
3.1 Profit Roadmap Plan 2.8bn operating profit in 2026 Promoting mid to long-term measures to achieve operating profit of 10 bn yen by 2033 Strategy 150 Operating Profit Growth Curve Solution Assets Acquire multi-industry/high-growth enterprises by launching Support increased payment activity FY2033
Slide 17: 3.2 Expanding TAM for Profit Growth
3.2 Expanding TAM for Profit Growth After IPO, GMO-FG grew faster than core payment solutions market – will expand TAM to payment related business DX and support increased payment activity to achieve OP goal Support increased payment activity 2025 2030 Payment related business DX 2020 (forecast) Cor
Slide 18: 3.3 Profit Growth Cycle Based on Track Record
3.3 Profit Growth Cycle Based on Track Record Continue to implement profit growth based on below three KPIs to achieve operating profit target Increase Achieve 1mn Active IDs 1Q Evaluation: 1Q Evaluation: recurring ARPU to by FY33 25K JPY +10K ID 0.58K JPY 21.0 1 Active ID 2 Recurring ARPU YoY +60-7
Slide 19: 3.4 Strategy for Maximizing Recurring Revenue
3.4 Strategy for Maximizing Recurring Revenue As a payment infrastructure provider, we leverage our cashless platform as a foundation to deliver solutions tailored to the specific challenges of each industry, achieving sustainable growth alongside our merchants ID Type Manned terminal (Large) Custom
Slide 20: 3.5 Case Study: Expanding Win-Win Ecosystem
3.5 Case Study: Expanding Win-Win Ecosystem Through payment-related business DX and support for increased payment activity, we address the retail sector's challenges of standardization, labor-saving, and revenue expansion, while achieving mutual growth with our merchants Core payment solutions Payme
Slide 21: 3.6 Unmanned/IoT: Advanced Parking Solutions
3.6 Unmanned/IoT: Advanced Parking Solutions Support advanced decisions with multi-payment and data visualization. Focus on convenience and community integration to enhance the ecosystem. 2016～ 2020～ Now Compliance needs Core payment solutions Corporate management needs Improve user convinience Merc
Slide 22: 3.7 Pipeline status
3.7 60.0 Pipeline status FY26: Achieve YoY +75K IDs, focusing on major commercial facilities, drugstores, and apparel FY27 and onward: Build pipelines toward 1.0 million IDs by 2033 1.0mn+ IDs 50.0 by 2033 Proposal status Acquired Under proposal (to be released) 40.0 Q3 outlook Q2 outlook 47.7 (10K
Slide 23: 3.8 Expansion of Payment Platforms - Mobility Domain
3.8 Expansion of Payment Platforms -Mobility Domain Expanded to 158 operators, including planned 11 Kanto railway operators to launch NFC payment for further growth Implementation at Public Transportation Institutions Number of Tourists and Mobility Settlements Number of mobility introduction cases
Slide 24: Supplemental Information
Supplemental Information Financials, Investment / Shareholder Returns 4 Copyright (C) 1999 GMO Financial Gate, Inc. All Rights Reserved.
Slide 25: 4.1 Changes in Revenue Composition and Gross Profit Margin
4.1 Changes in Revenue Composition and Changes in Gross Profit Margin Upward trend driven by growth in recurring revenue Initial gross margin improving due to changes in terminal mix and contribution from high-margin development sales Decrease in gross profit rate due to increase in initial revenue
Slide 26: 4.2 Gross Profit Composition Ratio
4.2 Gross Profit Composition Ratio Growth in recurring revenue leads to steady profitability base Composition by Business Model (Revenue and Gross Profit) (mn yen) 20,000 18,705 17,927 15,909 15,000 6,797 4,792 8,943 36% 30% 10,295 64% 70% 10,000 50% 3,132 50% Recurring model:30% 6,607 Initial : 70%
Slide 27: 4.3 Change in Earnings Structure and Robust Cash Generation
4.3 Change in Earnings Structure and Robust Cash Generation Software development revenue increased by meeting merchant requirements in large projects Depreciation expenses increased while Adjusted EBITDA steadily expanded Operating Profit Adjusted EBITDA* Adjusted EBITDA*Margin (mn yen) 4,000 16.3%
Slide 28: 4.4 Fee ARPU
4.4 Fee ARPU (Fee revenue divided by Transaction volume) The current fee unit price remains just under 5 yen, with roll paper sales contributing to fluctuations in the fee unit price. ◼ Fee ARPU(Fee revenue divided by Transaction volume) ◼ Composition of Fee ARPU (Yen) 6 5.19 5.11 5.13 5.00 5.02 4.9
Slide 29: 4.5 Capital Allocation Policy
4.5 Capital Allocation Policy Aim to achieve continuous business growth in accordance with investment funding policy and capital allocation policy Investment Source Funding Policy Capital Allocation Policy ⚫ Priority will be given to business investment and growth ⚫ Priority of investment resources
Slide 30: 4.6 Investment Policy
4.6 Investment Policy Proactive business investment to execute "market share expansion strategy" necessary for medium to long-term operating profit growth of +25% YoY Business investment Growth investment • Investments in data centers, terminal development, and internal • M&A that contributes to inc
Slide 31: 4.7 Shareholder Return Policy
4.7 Shareholder Return Policy Aiming to increase corporate value through business growth while providing stable and continuous dividends simultaneously Basic Policy on Shareholder Returns Increase in corporate value Stable and continuous dividends Aim to increase market capitalization over the mediu
Slide 32: Thank you
Thank you GMO Financial Gate, Inc. (TSE Prime 4051) IR web site URL https://gmo-fg.com/en/index.html Copyright (C) 1999 GMO Financial Gate, Inc. All Rights Reserved.