Note : This document has been translated from a part of the Japanese original for reference purposes only.
In the event of any discrepancy between this translated document and the Japanese original, the original shall prevail.
April 8, 2026
Company name AEON Financial Service Co., Ltd.
Listing Tokyo Stock Exchange, Prime Market
Security code 8570
URL https://www.aeonfinancial.co.jp/en/ Representative Tomoharu Fukayama, President and CEO
Contact Shinichiro Nishimura, Managing Executive Officer TEL +81-3-5281-2027
Date of the ordinary general meeting of shareholders May 22, 2026 Submission date of the annual securities report scheduled May 19, 2026 Starting date of paying year-end dividend May 7, 2026 Preparation of brief summary materials for financial results Yes
Holding of financial results presentation Yes (For institutional investors and analysts)
1. Results for the Fiscal Year Ended February 28, 2026 (from March 1, 2025 to February 28, 2026) (1) Consolidated Operating Results(Yen truncated to the nearest million, %)
Profit
Operating Percentage Operating Percentage Ordinary Percentage attributable Percentage revenue Change profit Change profit Change to owners Change
of parent
Fiscal 2025 ended
February 28, 2026 569,370 6.8 60,655 -1.4 60,693 -3.0 21,092 34.8
Fiscal 2024 ended
February 28, 2025 533,262 9.8 61,485 22.8 62,554 22.2 15,644 -25.1
(Note) Comprehensive income; Fiscal 2025; 58,590 million (86.5％), Fiscal 2024; 31,410million (-45.7%)
Profit attributable P Fully Diluted le to owners of rofit attributab
parent per Share to owners of Return on equity Return on assets Operating profit/
Operating revenue
(Yen) per parentYen)
Share (
Fiscal 2025 ended
February 28, 2026 97.70 97.70 4.5 0.8 10.7
Fiscal 2024 ended
February 28, 2025 72.47 72.47 3.4 0.9 11.5
(Reference) Investment gains and losses on equity method; Fiscal 2025; -165 million, Fiscal 2024; 30 million.
(2) Consolidated Financial Position (Yen value of assets truncated to the nearest million, %, yen)Total Assets Net Assets Capital Ratio Net Assets per Share
Fiscal 2025 ended
February 28, 2026 8,313,956 625,209 5.7 2,208.77
Fiscal 2024 ended
February 28, 2025 7,756,492 585,766 5.9 2,136.09
(Reference) Shareholder's equity; Fiscal 2025; 476,838 million, Fiscal 2024; 461,139 million.
(3) Consolidated cash flows (Yen truncated to the nearest million)
Net cash used in Net cash used in Net cash provided by Cash and cash operating activities Investing activities financing activities at equivalents
end of period
Fiscal 2025 ended
February 28, 2026 307,244 -427,408 -18,628 662,791
Fiscal 2024 ended
February 28, 2025 347,337 -158,479 -19,919 795,068
2. DividendsDividend per share Total Dividends to End- End- End- Fiscal Annual dividends (Payout ratio ) net
first second third year-end total paid consolidated assets
quarter quarter quarter (consolidated)
Fiscal 2024
ended yen yen yen yen Yen million yen % %
February
28, 2025 － 25.00 － 28.00 53.00 11,441 73.1 2.5
Fiscal 2025 ended February
28, 2026 － 25.00 － 28.00 53.00 11,441 54.2 2.4
Fiscal 2026 ending February 28, 2027
(Estimated) － 25.00 － 28.00 53.00 76.3
3. Forecast of Consolidated Earnings (For the fiscal year ending February 28, 2027)(Revenue and profits truncated to the nearest million yen, %,yen) (% is the percentage of change to the previous year)
Profit
Operating Operating YoY Ordinary YoY attributabl YoY Net YoY e to income per
revenue profit profit owners of share
parent
Full term 600,000 5.4 45,000 -25.8 45,000 -25.9 15,000 -28.9 69.48
(Notes) We are not disclosing consolidated earnings forecasts for the second quarter.
※Notes
(1) Change in significant subsidiary during the term (Change in specified subsidiary that caused a change in the scope of consolidation) ; Yes New: -, Excluded: 1 (company name) AEON Allianz Life Insurance Co., Ltd.
(Note) For details, please refer to "1. Consolidated Financial Statements and Main Notes (5) Notes on the Consolidated Financial Statements (Changes in Significant Subsidiaries)" on page 11 of the attached materials.
(2) Change in accounting principle, procedure, disclosure, etc., concerning preparation of consolidated financial statements
(matters to be mentioned concerning the change of important items to be the bases for preparation of consolidated financial statements)
① Change by a newly issued accounting pronouncement; Yes
② Change other than ① ; No
③ Change accounting quotation ; No
④ Restatement ; No
(Note) For details, please refer to "1. Consolidated Financial Statements and Main Notes (5) Notes on the Consolidated Financial Statements (Changes in accounting principle)" on page 1 of the attached materials.
(3) Number of shares issued（Common stock)
① Number of shares issued at end of period (including treasury stock) Fiscal 2025; 216,010,128 shares, Fiscal 2024; 216,010,128 shares
② Number of shares of treasury stock at end of term
Fiscal 2025; 125,955 shares, Fiscal 2024; 129,593 shares
③ Average of the number of shares during the quarter
Fiscal 2025; 215,883,043 shares Fiscal 2024; 215,876,706 shares
(Reference): Report of Non-Consolidated Financial Results Business performance (from March 1, 2025 to February 28, 2026) (1) Standalone Operating Results (Revenue and profits truncated to the nearest million yen, %, yen)
Profit
Operating Operating Ordinary attributable YOY revenue YOY profit YOY profit YOY to owners of
parent
Fiscal 2025 ended
February 28, 2026 175,377 -3.5 9,187 61.9 16,331 -49.7 6,346 497.2
Fiscal 2024 ended
February 28, 2025 181,719 43.6 5,675 236.0 32,449 283.5 1,062 -97.1
Basic earnings per Diluted earnings per share share
Fiscal 2025 ended
February 28, 2026 29.40 29.40
Fiscal 2024 ended
February 28, 2025 4.92 4.92
(2) Standalone Financial Position (Yen value of assets truncated to the nearest million, %, yen)Total assets Shareholders' equity
Net assets ratio Net assets per share
Fiscal 2025 ended
February 28, 2026 1,283,014 222,909 17.4 1,032.52
Fiscal 2024 ended
February 28, 2025 1,207,794 228,959 19.0 1,060.58
9 (Reference) Shareholder's equity; Fiscal 2025; 222,904 million, Fiscal 2024; 228,959 million
※ The financial results are not audited by a certified public accountant or an audit corporation.
※ Remarks on the projections, other issues (Notes on future statements, etc.)
Forecasts of the business performance and dividends are based on assumptions and projections that are the basis of prospects and plans as of the date of this document's release, and are not intended to be a guarantee of the achievement of such projections. Actual business performance may differ from the above forecasts due to various factors in the future.
(How to obtain supplementary information on financial results) We provide supplementary explanatory materials on our website regarding business and performance.
(Notes on obtaining supplementary explanatory materials for financial results)
The Company provides FACTBOOK on its business and performance on its website.
Attachments Contents
1. Consolidated Financial Statements and Main Notes 2
(1) Consolidated Balance Sheet 2
(2) Consolidated Statement of Income and Comprehensive Income 4
Consolidated Statement of Income 4
Consolidated Statement of Comprehensive Income 6
(3) Consolidated Statement of Changes in Equity 7
(4) Consolidated Statement of Cash Flows 9
(5) Notes on the Consolidated Financial Statements 11
(Notes on the Going-concern Assumption) 11
(Significant Changes in the Scope of Consolidation 11
(Changes in Accounting Policies) 11
(Additional Information) 11
(Notes on Segment Information) 12
(Segment Information) 13
(Per Share Information) 15
(Significant Subsequent Events) 16
2. Standalone Financial Statements and Main Notes 17
(1) Balance Sheet 17
(2) Statement of Income 19
(3) Statement of Changes in Equity 20
(4) Notes on the Standalone Financial Statements 21
(Notes on the Going-concern Assumption 21
1
1. Consolidated Financial Statements and Main Notes
（1）Consolidated Balance Sheet
(Millions of yen)
As of February 28, 2025 As of February 28, 2026
Assets
Current assets
Cash and deposits 814,786 676,814
Call loans 1,514 1,396
Accounts receivable - installment 1,747,333 1,730,410 Lease receivables and investments in leases 14,474 17,712
Operating loans 979,935 1,059,226 Loans and bills discounted for banking 2,670,472 2,840,788
business
Securities for banking business 768,296 1,097,389
Securities for insurance business 15,049 −
Monetary claims bought 79,348 188,214
Money held in trust 106,535 75,228
Other 350,500 403,508
Allowance for doubtful accounts △124,434 △136,658
Total current assets 7,423,813 7,954,031 Non-current assets
Property, plant and equipment
Buildings, net 11,655 11,020
Tools, furniture and fixtures, net 22,386 29,419
Construction in progress 243 193
Other, net 227 233
Total property, plant and equipment 34,512 40,867 Intangible assets
Goodwill 40,202 36,156
Software 144,191 153,642
Other 3,147 2,740
Total intangible assets 187,541 192,539 Investments and other assets
Investment securities 14,926 24,772
Deferred tax assets 39,980 48,780
Guarantee deposits 7,279 6,937
Other 48,022 45,522
Total investments and other assets 110,209 126,013
Total non-current assets 332,264 359,420 Deferred assets
Bond issuance costs 414 504
Total deferred assets 414 504
Total assets 7,756,492 8,313,956
2