Summary of Financial Statements for Fiscal 2025 (Update to Completed Version on November 13,2025) (562 KB)

November 7, 2025

Company name: FinTech Global Incorporated Listing: Tokyo Stock Exchange

Securities code: 8789

URL: https://www.fgi.co.jp/en/

Representative: Nobumitsu Tamai, President and Chief Executive Officer Inquiries: Takashi Senda, Executive Vice President, Senior Executive Officer Telephone: +81-3-6456-4600

Scheduled date of General Shareholders' Meeting: December 19, 2025

Scheduled date to submit securities report: December 16, 2025

Scheduled date to commence dividend payments: December 22, 2025

Preparation of supplementary material on financial results: Yes

Holding of financial results briefing: 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
      	Millions of yen	%	Millions of yen	%	Millions of yen	%	Millions of yen	%
      Fiscal 2025	14,432	4.5	3,406	32.5	3,242	31.7	2,121	26.6
      Fiscal 2024	13,807	48.4	2,569	91.2	2,461	92.7	1,675	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.)

(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 (Percentages indicate year-on-year changes.)

   	Revenues		Operating income		Ordinary profit		Net income/(loss)
   Fiscal 2025 Fiscal 2024	Millions of yen 5,709 3,869	% 47.6 41.3	Millions of yen 2,135 998	% 114.0 7.7	Millions of yen 2,479 976	% 153.8 8.7	Millions of yen 1,845 835	% 120.9 (6.5)

   	Basic earnings per share	Diluted earnings per share
   	Yen	Yen
   Fiscal 2025	9.48	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 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.

1. Consolidated Operating Results

   FinTech Global Incorporated (FGI) and certain other members of the FGI Group are emphasizing private equity investment into businesses struggling with succession issues.

   Fiscal 2025-the consolidated accounting period ended September 30, 2025-saw steady progress on the recovery of private equity investments associated with business succession projects and an increase in fund formation for truck operating leases and associated product sales. These factors contributed to a 4.5% year-on-year improvement in revenues, to ¥14,432 million, and a 20.6% year-on-year improvement in gross profit, to ¥8,869 million. Selling, general and administrative expenses (SG&A) rose 14.1% from a year earlier, to ¥5,462 million, primarily owing to higher personnel costs, owing to salary increases and efforts to reinforce staffing levels, as well as elevated Metsä-related advertising and promotional costs. Fortunately, the SG&A impact was fully neutralized by higher gross profit. As a result, operating income surged 32.5% year on year, to ¥3,406 million, and ordinary profit jumped 31.7% from a year earlier, to ¥3,242 million. Profit attributable to owners of the parent came to

   ¥2,121 million, held to a 26.6% increase due to the booking of ¥485 million in provision of allowance for doubtful accounts on loans related to new projects as an extraordinary loss.

   (Unit: Millions of yen)

   	Fiscal 2024	Fiscal 2025	YOY Change
   Revenues	13,807	14,432	624
   Investment banking business	11,344	11,595	250
   Public management consulting business	452	502	50
   Entertainment service business	2,459	2,859	399
   Elimination	(448)	(523)	(74)
   Gross profit	7,355	8,869	1,513
   Investment banking business	6,696	7,915	1,218
   Public management consulting business	298	338	40
   Entertainment service business	618	891	273
   Elimination	(257)	(276)	(19)
   Operating income / (loss) [Segment income / (loss)]	2,569	3,406	836
   Investment banking business	3,930	4,740	809
   Public management consulting business	(18)	(38)9	(19)
   Entertainment service business	(244)	29	273
   Elimination or corporate expenses	(1,097)	(1,325)	(227)
   Ordinary profit	2,461	3,242	781
   Income before income taxes	2,426	2,768	341
   Profit attributable to owners of the parent	1,675	2,121	446

   A breakdown of performance by business segment is presented below. Revenues include inter-segment revenues and transfers.

   1. Investment Banking Business

      In the investment banking business, steady progress on business succession projects was complemented by the formation of large deals, which fueled the performance contribution from private equity investment activity and arrangement transaction services, mainly private equity fund-related asset management, year on year.

      In other asset management services, primarily for real estate and securities, the level of assets from overseas investors for investment into residences dropped. Nevertheless, the balance of assets under management reached ¥161.7 billion, or 5.5% more than at the end of the fiscal 2024 on September 30, 2024, buoyed by new real estate assets under management for private equity investments connected to business succession projects and also by the start of investment activity on new projects related to logistics facilities as well as hotels and other forms of accommodation. These positive factors reinforced the foundation for stock-type revenues-that is, recurring fee revenues-and underpinned higher revenues.

      Leaseback demand for large, used commercial vehicles is growing among transportation companies and other businesses as operators seek to expand their fleets and improve financial footing. Against this backdrop, the truck operating lease business made good progress in securing target vehicles for investment in funds arranged by FGI Group companies. In addition, equity investment sales hit ¥5,010 million in fiscal 2025, skyrocketing 179.9% over fiscal 2024, reflecting a favorable increase in the number of contracts with business partners and a subsequently broader investor base. Arrangement and fund management performance fee income more than tripled year on year.

      For Metsä Village, a positive consequence of more guests was a favorable shift in parking fee revenue and rental income from facility tenants. But the segment also booked ¥200 million in losses on retirement associated with renovation of some facilities under cost of revenues leading to the opening of Hyper Museum Hanno in March 2025.

      The aviation business showed a decrease in revenues from technical services associated with aircraft inspection. Such inspections typically occur when leased assets are returned, and due to a shortage of aircraft, many members of the aviation industry extended existing leasing contracts, which in turn reduced the need for inspections that would otherwise be conducted at end of lease and aircraft return. Meanwhile, the aircraft leasing business delivered higher revenues, fueled by five new sale-and-leaseback transactions and the completion of two sales with agreements to lease.

      At the end of August 2025, FGI acquired a project to develop solar power plants at 10 locations in Tohoku and Hokkaido-total equipment capacity of 8.14MW-through a business transfer process facilitated by Solar 2025 Spring LLC, the special purpose company of a subsidiary, and then deployed human resources with expertise in developing and running power plants to improve the operating structure. FGI plans to enter into power purchase agreements with electricity consumers and other parties and gradually roll out commercial operations from June 2026.

      Given the above, investment banking business revenues reached ¥11,595 million, up 2.2% year on year. Gross profit climbed 18.2%, to ¥7,915 million, underpinned by higher revenues from private equity investment to facilitate business succession projects which present a high profit margin. SG&A reached ¥3,174 million, up 14.8% from a year earlier, mainly owing to advertising and promotional costs and commissions paid, reflecting Metsä crowd-drawing campaigns and expenses associated with the opening of Hyper Museum Hanno. Segment income jumped 20.6%, to

      ¥4,740 million, as the increase in gross profit absorbed higher SG&A expenses.

   2. Public Management Consulting Business

The public management consulting business, which hinges on Public Management Consulting Corporation (PMC), provides solutions, including support extended to local public entities to prepare financial documents, manage public facilities and deal with public finance-related issues. PMC maintains a constant share of the large municipality market by providing outsourced services to facilitate solution business and by drawing on expertise within the FGI Group. The number of prefectures under service contracts for financial document preparation support for the fiscal year running from April 2025 through March 2026 stands at nine, the same as in the corresponding period of fiscal 2024, and the number of ordinance-designated cities and special zones under similar service