Mitsubishi Hc Capital Inc.TSE: 8593

3Q FY2025 Consolidated Financial Results Presentation (for the nine months ended December 31, 2025)

· Issued by Mitsubishi HC Capital Inc.

3Q FY2025 Consolidated Financial Results Presentation (for the nine months ended December 31, 2025)

Mitsubishi HC Capital Inc.

February13, 2026





Highlights

Net income

3Q FY2025 result

¥134.9bn

Forecast

¥160.0bn

YoY (%) +¥47.9bn

(+55.1%)

Progress 84.4%

Comments



Net income increased by ¥47.9 billion YoY mainly driven by the strong performance of the Real Estate and Aviation segments, a drastic decline in credit costs of the Global Customer Business segment* (Americas), and the positive impact of consolidated subsidiaries' fiscal period changes.

Net income reached 84.4% of the full-year forecast, reflecting a positive impact from consolidated subsidiaries' fiscal period changes that had been factored into the forecast. However, the full-year forecast remains unchanged as some segments expect higher expenses in 4Q.

* The Global Business segment was renamed to the Global Customer Business segment from 1Q FY2025.

2



‌Index

01｜3Q FY2025 consolidated financial results

02｜Segment updates

03｜FY2025 consolidated financial forecast

04｜Reference information

3

01｜3Q FY2025 consolidated financialresults

‌02｜Segment updates

03｜FY2025 consolidated financial forecast

04｜Reference information





Back to Index

(a)

(b)

(c) = (b) - (a)

(d) = (c) / (a)

(e)

Major factors behind changes

YoY

3Q FY2024

3Q FY2025

Change

Change (%)

Change

(excl. FX impact*)

(¥ in billions)

1

Income gain

295.4

337.2

1

+41.8

+14.2%

+43.4

2

Asset-related gain/loss

51.5

40.4

2

-11.1

-21.6%

-11.0

3

Net income

87.0

134.9

3

+47.9

+55.1%

+48.7

4

New transactions volume

2,503.8

2,398.4

4

-105.4

-4.2%

-109.2

3Q FY2025 consolidated financial results











(¥ in billions)

End of FY2024

End of 3Q FY2025

Vs. end of FY2024

Change

Change (%)

Change

(excl. FX impact*)

5

Total segment assets

10,935.6

11,602.9

5

+667.2

+6.1%

+339.4

* Impact of YoY changes in foreign exchange rates applied to the consolidation of overseas subsidiaries (refer to page 40 for the applied FX rates).



1



Income gain

  • Increased mainly due to the strong performance of the Aviation segment and the positive impact of consolidated subsidiaries' fiscal period changes.

    2



    Asset-related gain/loss

  • Decreased due to an absence of large gains on sales of assets booked by Miyuki Building in FY2024 in the Real Estate segment (¥37.0 billion).

    Excluding this impact, gains increased mainly from large

    asset sales in the Real Estate segment.

    3



    Net income

  • Increased mainly due to higher income gain as well as a significant decline in credit costs of the Global Customer Business segment (Americas).

    4



    New transactions volume

  • Increased in the Global Customer Business segment due to business growth in Europe; however, overall, decreased YoY mainly due to a reactionary decline following the execution of large transactions in FY2024 in the Aviation and Logistics segments.

    5



    Total segment assets

  • Increased from the end of FY2024 due to increases in assets mainly in the Aviation and Global Customer Business segments.

The current foreign exchange sensitivity is estimated to be an increase in net income of approximately ¥500 million for every ¥1 depreciation against the U.S. dollar, and approximately ¥90 million for every ¥1 depreciation against the British pound.

5

Company analysis