Slide 1: Company Overview
Company Overview INTELLIGENT WAVE INC. Code: 4847, Tokyo Stock Exchange, Prime Market https://www.iwi.co.jp (Update: September 2025) © INTELLIGENT WAVE INC. All rights reserved.
Slide 2: Company Profile
Company Profile As of June 30, 2025 Company Name Intelligent Wave Inc. Established December 1984 Head Office Tokyo, Japan Branch Hakodate, Japan Representative Koji Kawakami Director Capital Stock 843,750 thousand yen Number of 519 Employees Parent Company Dai Nippon Printing Co., Ltd. (50.73％) Affi
Slide 3: History
History ・Contributed to the realization of 24/7 online card payment in Japan in the 1980s Developed NET+1, a payment network connection and authorization system, and gained top market share ・Developing our own products based on our core technology of high-speed, large-capacity data communication and
Slide 4: Cashless Payment Mechanisms
Cashless Payment Mechanisms When consumers make cashless payments at stores or on e-commerce sites, the payments are completed using multiple companies’ systems. Our business areas in cashless payment are as follows. Our business area (1) Cashless (2) Card merchant (3) Acquirer (4) International (5)
Slide 5: Business Domain
Business Domain We are currently developing our business in three areas: payments, security, and data communication and analysis infrastructure. Data communication Payment and analysis infrastructure ■ System development and maintenance for ■ System development and payment providers and banks 6％ mai
Slide 6: Payment Domain: Our Payment Solutions
Payment Domain: Our Payment Solutions In the areas of FEP, fraud detection, and acquiring, we provide systems based on our own products and services. Our main customers are payment service providers such as credit card companies. Field Function On-Premise Development Cloud Service FEP 24/7 non-stop
Slide 7: Sales by Category
Sales by Category Sales in on-premise development are recorded separately in “System development,” “Maintenance,” “In-house products and services,” and "Third-party products and services”. Sales in cloud services are recorded in “Cloud services”. All sales in the security domain are recorded in “Sec
Slide 8: Payment Domain: Our Payment Domain
Payment Domain: Our Payment Domain Our FEP, fraud detection and acquiring areas are positioned within a series of cashless payment processing. Our business area (1) Cashless (2) Card merchant (3) Acquirer (4) International (5) Issuer payment payment brands ・ Development of merchants ・ Development of
Slide 9: Payment Domain: Our Payment Domain
Payment Domain: Our Payment Domain Credit card company systems are divided into three areas: external connections, mainframe, and peripheral. In the future, we plan to expand our business domain with a focus on acquiring and system operation services. Credit card company system Mainframe system Exte
Slide 10: Security Domain: Our Security Solutions
Security Domain: Our Security Solutions We develop and market our own product, CWAT, as well as cyber security products from overseas. For sales activities, we collaborate with the DNP Group. Field Function Products Internal information Visualize usage status and monitor information ■ Information le
Slide 11: Data Communication & Analysis Infrastructure Domain: Our Solutions
Data Communication ＆ Analysis Infrastructure Domain: Our Solutions We develop systems and our own products using our core technologies of “high-speed, large- capacity data communication and analysis technology”. Field Function Products Securities We mainly develop our own products in the field of fr
Slide 12: Business Performance
Business Performance Million yen Net sales Operating income Operating margin 16,000 15,596 30.0% 14,518 14,000 13,374 25.0% 12,000 11,187 11,493 10,920 10,603 10,443 20.0% 10,000 8,469 8,000 7,206 15.0% 14.0% 13.2% 11.9% 6,000 11.6% 9.9% 10.1% 10.0% 9.5% 8.3% 8.8% 4,000 5.2% 2,030 1,848 5.0% 2,000 1
Slide 13: Orders
Orders Million yen Amount of Orders Orders on Hand 20,311 20,128 20,000 19,322 16,584 15,722 14,785 15,000 11,343 10,903 10,892 10,974 10,586 10,173 10,000 9,563 7,949 5,335 5,317 5,022 4,865 4,434 5,000 2,748 0 FY06/16 FY06/17 FY06/18 FY06/19 FY06/20 FY06/21 FY06/22 FY06/23 FY06/24 FY06/25 © INTELL
Slide 14: Performance by Category
Performance by Category ■…System Development ■…Maintenance, In-house products and services, Third-party products and services ■…Cloud Services ■…Security ■ Amount of Orders ■ Sales by Type ■ Orders on Hand Million yen Million yen Million yen 20,311 20,128 19,322 2,985 2,566 3,410 16,584 15,596 1,594
Slide 15: Performance by Recurring and Spot
Performance by Recurring and Spot …Spot …Recurring ■ Amount of Orders ■ Sales ■ Orders on Hand Million yen Million yen Million yen 20,128 20,311 19,322 1,115 16,584 7,750 5,303 15,596 14,785 2,141 14,518 13,374 5,230 6,329 10,974 6,918 1,308 6,817 19,196 14,019 14,443 12,377 9,555 9,266 9,665 7,599
Slide 16: Return on Equity
Return on Equity Gross profit margin ROE 16.00% 25.00% 9.18% 9.78% 11.00% 8.71% 8.65% 6.98% 7.51% 6.00% 20.00% 1.00% 2020 2021 2022 2023 2024 2025 -4.00% 15.40% 15.00% 14.40% Total asset turnover 1.50 13.12% 13.24% 1.03 1.00 0.98 10.91% 11.10% 0.90 0.86 1.00 0.83 10.00% 0.50 2020 2021 2022 2023 2024
Slide 17: Historical Performance
Historical Performance Million yen 15,000 ■… Net sales ■ … Operating income 13,000 Listing on the 1st Section of TSE 11,000 9,000 Inclusion into the DNP Group 7,000 Listing on the JASDAQ 5,000 3,000 1,000 1985 86 87 88 89 90 91 92 93 94 95 96 97 98 99 2000 01 02 03 04 05 06 07 08 09 10 11 12 13 14 1
Slide 18: Medium-Term Management Plan (2025–2027)
Medium-Term Management Plan (2025–2027) © INTELLIGENT WAVE INC. All rights reserved. 18
Slide 19: Numerical Targets
Numerical Targets We aim to achieve sales of ¥19 billion, operating income of ¥2.85 billion, and ROE of at least 17.0% by the fiscal year ending June 30, 2027. By expanding our business areas and improving profitability in each domain, we aim to achieve sales of around ¥30 billion and an operating m
Slide 20: Numerical Targets
Numerical Targets ■ Sales by Business Domain FY06/2024 FY06/2025 FY06/2026 FY06/2027 (Actual) (Actual) (Forecast) (Plan) Net sales 14,518 15,596 17,400 19,000 Payments 12,152 12,755 14,100 14,600 Security 1,558 2,022 2,250 2,800 Data communication 808 817 1,050 1,600 and analysis infrastructure Refe
Slide 21: Medium-Term Management Plan
Medium-Term Management Plan We will aim to diversify our business and establish a foundation for sustainable growth, looking ahead to the 2030s. We will also develop our business in various fields, particularly in the payment, security, and technology domains, to bring value to people's lives and bu
Slide 22: Basic Policies
Basic Policies To prepare for the market environment of the 2030s, we will focus on three key areas of transformation: "business," "technology," and "human resources," to continue developing products and services that create new levels of reliability. 01 Transformation of Business ①Maximize the valu
Slide 23: Shareholder Returns
Shareholder Returns We plan to return profits to our shareholders, aiming for a dividend payout ratio of around 50%. 73.8 67.9 Interim dividend Year-end dividend Dividend payout ratio 57.5 48.8 40 40 40.6 42.3 45.1 37 33.7 34.6 34.5 40th Anniversary 35 35 30.8 10 of 10 yen Dividend 30 20 25 20 15 20
Slide 24: Reference: Percentage of Cashless Payments in Japan
Reference: Percentage of Cashless Payments in Japan Source: Ministry of Economy, Trade and Industry data © INTELLIGENT WAVE INC. All rights reserved. 24
Slide 25: Reference: Amount of Credit Card Fraud in Japan
Reference: Amount of Credit Card Fraud in Japan Billion yen Credit Card Fraud 60 Losses in 2024: 50 55.5 billion yen 40 (新領域） 30 セキュリティ領域 20 決済領域 10 0 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Source: Japan Consumer Credit Association data © INTELLIGENT WAVE INC. All rights reserved. 25
Slide 26: Intelligent Wave Inc.
These materials were produced to provide information concerning the company and its businesses. They are not intended as a solicitation for investment in securities issued by Intelligent Wave Inc. The opinions, forecasts, and other forward-looking statements in these materials are based on the compa