Fintech Global IncorporatedTSE: 8789

Consolidated Financial Results for Fiscal 2025 (Under Japanese GAAP) (449 KB)

· Issued by FinTech Global Incorporated

UNOFFICIALTRANSLATION

The following is a translation, for convenience only, of the original document issued in Japanese

Summary of Financial Statements for Fiscal 2025

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)

  1. Consolidated Operating Results, Financial Position and Cash Flows for fiscal 2025 (October 1, 2024– September 30, 2025)

    1. 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

    2. 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

    3. 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

  2. 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

  3. 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

  1. 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

  2. Changes in accounting policies, changes in accounting estimates, and restatements:

    1. Changes in accounting policies required by accounting standard: Yes

    2. Changes other than those in (a) above: None

    3. Changes in accounting estimates: None

    4. Restatements: None

  3. Number of shares issued (ordinary shares)

    1. Number of shares issued (including treasury stock): 201,321,700 shares for fiscal 2025

      201,321,700 shares for fiscal 2024

    2. Number of shares of treasury stock: 9,026,320 shares for fiscal 2025 5,434,320 shares for fiscal 2024

    3. 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)

  1. 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

  2. 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 Sheets

Fiscal 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