UNOFFICIALTRANSLATION
The following is a translation, for convenience only, of the original document issued in Japanese
November 7, 2025
Company Name: FinTech Global Incorporated (Code Number: 8789 Tokyo Stock Exchange) (URL: https://www.fgi.co.jp/en/) TEL: +81-3-6456-4600
Representative: President and Chief Executive Officer Name: Nobumitsu Tamai Contact: Executive Vice President, Senior Executive Officer Name: Takashi Senda Scheduled date of General Shareholders’ Meeting: December 19, 2025
Scheduled date to submit securities report: December 16, 2025 Scheduled date to commence dividend payment: December 22, 2025 Preparation of supplementary materials on financial results: Yes Holding of financial results meeting: None
(Rounded down to the nearest million)
Consolidated Operating Results, Financial Position and Cash Flows for fiscal 2025 (October 1, 2024– September 30, 2025)
Consolidated operating results (Percentages indicate year-on-year changes.)
Revenues
Operating income
Ordinary profit
Profit attributable to owners of the parent
Fiscal 2025
Fiscal 2024
Millions of yen
14,432
13,807
%
4.5
48.4
Millions of yen
3,406
2,569
%
32.5
91.2
Millions of yen
3,242
2,461
%
31.7
92.7
Millions of yen
2,121
1,675
%
26.6
4.5
(For reference) Comprehensive income:
2,273 million yen for fiscal 2025
[17.1%]
1,942 million yen for fiscal 2024
[9.1%]
Basic earnings per share
Diluted earnings per share
Return on equity (ROE)
Return on assets (ROA)
Return on sales (ROS)
Yen
Yen
%
%
%
Fiscal 2025
10.91
10.83
20.8
13.6
23.6
Fiscal 2024
8.41
8.36
18.8
12.4
18.6
(For reference) Share of profit of entities accounted for using equity method 23 million yen for fiscal 2025
39 million yen for fiscal 2024
Consolidated financial position
Total assets
Net assets
Equity ratio
Net assets
per share
Millions of yen
Millions of yen
%
Yen
Fiscal 2025
26,994
12,042
40.3
56.53
Fiscal 2024
20,669
10,752
46.1
48.66
(For reference) Shareholders’ equity: 10,869 million yen for fiscal 2025
9,530 million yen for fiscal 2024
Consolidated cash flows (Unit: Millions of yen)
Cash flows from operating
activities
Cash flows from investing
activities
Cash flows from
financing activities
Cash and cash equivalents at the end of the period
Fiscal 2025
Fiscal 2024
(664)
4,055
(1,590)
(547)
3,130
(790)
6,442
5,674
Dividends
Dividends per share
Total dividends (Annual)
Payout ratio (Consolidated)
Dividends on equity (DOE)
(Consolidated)
End of
first quarter
End of
second quarter
End of
third quarter
End of
fiscal year
Total
Yen
Yen
Yen
Yen
Yen
Millions of yen
293
576
%
%
Fiscal 2024
—
0.00
—
1.50
1.50
17.8
3.3
Fiscal 2025
—
0.00
—
3.00
3.00
27.5
5.7
Fiscal 2026 (Forecast)
—
0.00
—
5.00
5.00
35.5
Consolidated financial forecasts for fiscal 2026 (October 1, 2025 – September 30, 2026)
(Percentages indicate year-on-year changes.)
Revenues | Operating income | Ordinary profit | Profit attributable to owners of the parent | EPS | |||||
Fiscal 2026 | Millions of yen 18,200 | % 26.1 | Millions of yen 4,200 | % 23.3 | Millions of yen 4,000 | % 23.4 | Millions of yen 2,700 | % 27.2 | Yen 14.07 |
(Note) Forecast for the first two quarters of fiscal year ending September 30, 2026, has not been made.
*Notes
Changes in significant subsidiaries during the period (Changes in specified subsidiaries accompanying change in scope of consolidation): Yes
(Number of newly consolidated subsidiaries)One (Company name)Solar 2025 Spring LLC
Changes in accounting policies, changes in accounting estimates, and restatements:
Changes in accounting policies required by accounting standard: Yes
Changes other than those in (a) above: None
Changes in accounting estimates: None
Restatements: None
Number of shares issued (ordinary shares)
Number of shares issued (including treasury stock): 201,321,700 shares for fiscal 2025
201,321,700 shares for fiscal 2024
Number of shares of treasury stock: 9,026,320 shares for fiscal 2025 5,434,320 shares for fiscal 2024
Average number of shares issued during the period 194,544,319 shares for fiscal 2025
199,341,785 shares for fiscal 2024
(For reference) Summary of non-consolidated operating results and financial position
1. Non-consolidated operating results and financial position for fiscal 2025 (October 1, 2024 – September 30, 2025)
Non-consolidated operating results
Revenues
Operating income
Ordinary profit
Net income/(loss)
Fiscal 2025
Millions of yen
5,709
%
47.6
Millions of yen
2,135
%
114.0
Millions of yen
2,479
%
153.8
Millions of ye
n
1,845
%
120.9
Fiscal 2024
3,869
41.3
998
7.7
976
8.7
835
(6.5)
Basic earnings per share
Diluted earnings per share
Fiscal 2025
Yen
9.48
Yen
9.42
Fiscal 2024
4.19
4.17
Non-consolidated financial position
Total assets
Net assets
Equity ratio
Net assets
per share
Millions of yen
Millions of yen
%
Yen
Fiscal 2025
13,865
7,860
56.0
40.37
Fiscal 2024
11,516
6,776
57.9
34.06
(For reference) Shareholders’ equity: 7,762 million yen for fiscal 2025, and 6,672 million yen for fiscal 2024
This summary of financial statements is exempt from the audit procedures.
Proper use of earnings forecasts, and other special matters. (Caution regarding forward-looking statements)
The forward-looking statements included in this summary of financial statements are based on the assumptions, forecasts, and plans of FinTech Global Incorporated (hereafter, “FGI” and “the Company”) as of the date on which this document is made public. The Company’s actual results may differ substantially from such statements due to various risks and uncertainties.
(Method of obtaining supplementary results materials)
Supplementary materials on financial results are available for viewing as of November 7, 2025.
Consolidated Financial Statements(1) Consolidated Balance SheetsFiscal 2024
(As of September 30, 2024)
(Unit: Thousands of yen)
Fiscal 2025
(As of September 30, 2025)
Assets
Current assets
Cash and time deposits | 5,789,907 | 6,632,789 |
Notes and accounts receivable - trade, and contract assets | 950,434 | 1,532,846 |
Operational investment securities | 1,560,437 | 830,199 |
Loans receivable trade | 522,565 | 569,765 |
Real estate for sale | 4,046,834 | 4,102,649 |
Merchandise | 142,275 | 139,147 |
Other | 1,119,460 | 1,902,681 |
Allowance for doubtful accounts | (104,667) | (112,220) |
Total current assets | 14,027,246 | 15,597,859 |
Noncurrent assets | ||
Property, plant and equipment | ||
Buildings and structures | 5,206,093 | 5,249,656 |
Accumulated depreciation | (1,031,449) | (1,216,951) |
Buildings and structures, net | 4,174,643 | 4,032,705 |
Tools, furniture and fixtures | 1,804,349 | 1,873,881 |
Accumulated depreciation | (1,503,291) | (1,637,967) |
Tools, furniture and fixtures, net | 301,057 | 235,913 |
Assets for lease | — | 3,295,574 |
Accumulated depreciation | — | (51,067) |
Assets for lease, net | — | 3,244,507 |
Land | 522,934 | 747,995 |
Construction in progress | 21,736 | 500,790 |
Other | 338,323 | 397,233 |
Accumulated depreciation | (97,778) | (129,867) |
Other, net | 240,545 | 267,365 |
Total property, plant and equipment | 5,260,917 | 9,029,277 |
Intangible fixed assets | ||
Goodwill | 88,105 | 60,005 |
Other | 93,313 | 75,319 |
Total intangible fixed assets | 181,418 | 135,324 |
Investments and other assets | ||
Investment in securities | 533,513 | 1,173,976 |
Long-term loans receivable | 8,340 | — |
Deferred tax assets | 127,745 | 137,492 |
Other | 564,956 | 954,641 |
Allowance for doubtful accounts | (34,458) | (34,443) |
Total investments and other assets | 1,200,096 | 2,231,667 |
Total non-current assets | 6,642,432 | 11,396,270 |
Total assets | 20,669,679 | 26,994,129 |
Fiscal 2024
(As of September 30, 2024)
(Unit: Thousands of yen)
Fiscal 2025
(As of September 30, 2025)
Liabilities
Current liabilities
Accounts payable - trade | 241,273 | 330,693 |
Short-term loans payable | 781,186 | 3,414,679 |
Current portion of bonds payable | — | 100,000 |
Current portion of long-term loans payable | 5,998,872 | 5,960,439 |
Lease obligations | 32,914 | 30,052 |
Income taxes payable | 326,067 | 205,333 |
Accrued employee bonuses | 322,024 | 382,987 |
Other | 1,085,810 | 1,816,022 |
Total current liabilities | 8,788,148 | 12,240,207 |
Noncurrent liabilities | ||
Bonds payable | — | 100,000 |
Long-term loans payable | 638,535 | 2,068,376 |
Lease obligations | 21,074 | 28,445 |
Deferred tax liabilities | 22,636 | 17,218 |
Retirement benefit liability | 153,433 | 203,126 |
Other | 293,302 | 294,580 |
Total noncurrent liabilities | 1,128,982 | 2,711,747 |
Total liabilities | 9,917,131 | 14,951,955 |
Net assets | ||
Shareholders' equity | ||
Common stock | 5,373,336 | 5,373,336 |
Capital surplus | 968,668 | 969,796 |
Retained earnings | 3,470,851 | 5,301,178 |
Treasury shares | (446,226) | (906,942) |
Total shareholders' equity | 9,366,630 | 10,737,368 |
Accumulated other comprehensive income | ||
Valuation difference on available-for-sale securities | 22,516 | 5,149 |
Foreign currency translation adjustment | 141,795 | 127,200 |
Total accumulated other comprehensive income | 164,312 | 132,349 |
Share acquisition rights | 103,108 | 98,259 |
Non-controlling interests | 1,118,496 | 1,074,196 |
Total net assets | 10,752,548 | 12,042,174 |
Total liabilities and net assets | 20,669,679 | 26,994,129 |
