Consolidated Financial Highlights for the Nine Months Ended December 31, 2025

Consolidated Financial Highlights for the Nine Months Ended December 31, 2025

[Based on J-GAAP]

February 13, 2026

Company Name: Mitsubishi HC Capital Inc.

Stock Exchange Listed on: Tokyo (Prime Market)

Company Code: 8593 URL: https://www.mitsubishi-hc-capital.com/english/ Representative: Taiju Hisai, Representative Director, President & CEO

For Inquiry: Haruhiko Sato, Director, Managing Executive Officer TEL: +81-3-6865-3002 Scheduled Commencement of Dividend Payment: －

Supplemental Material for Financial Results: Available

Holding of Financial Results Briefing: Yes (for Institutional Investors and Analysts)

(Amounts of less than one million yen are rounded down)

1. Consolidated Results for the Nine Months Ended December 31, 2025

   1. Consolidated Operating Results (% represents the change from the same period in the previous fiscal year)

      	Revenues		Operating income		Recurring income		Net income attributable to owners of the parent
      For the nine months ended	(Millions of yen)	%	(Millions of yen)	%	(Millions of yen)	%	(Millions of yen)	%
      December 31, 2025 December 31, 2024	1,659,730 1,551,957	6.9 8.9	194,873 137,905	41.3 35.7	187,858 140,038	34.1 34.3	134,972 87,016	55.1 8.0

      (Note) Comprehensive income: For the nine months ended December 31, 2025: ¥187,449 million 17.1 %

      For the nine months ended December 31, 2024: ¥160,121 million (13.7)%

      	Earnings per share	Diluted earnings per share
      For the nine months ended	(Yen)	(Yen)
      December 31, 2025	94.01	93.84
      December 31, 2024	60.64	60.50

   2. Consolidated Financial Position

      	Total assets	Net assets	Equity ratio	Net assets per share
      As of	(Millions of yen)	(Millions of yen)	%	(Yen)
      December 31, 2025	12,518,910	1,932,267	15.3	1,334.22
      March 31, 2025	11,762,332	1,804,523	15.2	1,246.64

      (Reference) Net assets excluding share acquisition rights and non-controlling interests: As of December 31, 2025: ¥1,915,679 million

      As of March 31, 2025: ¥1,789,625 million

2. Dividends

   	Dividends per share
   	1st Quarter - end	2nd Quarter - end	3rd Quarter - end	Fiscal year - end	Annual
   For the fiscal year ended March 31, 2025 ending March 31, 2026	(Yen) - -	(Yen) 20.00 22.00	(Yen) - -	(Yen) 20.00	(Yen) 40.00
   ending March 31, 2026 (Forecast)				23.00	45.00

   (Note) Revisions to the previously announced dividend forecast: No

3. Consolidated Financial Forecast for the Fiscal Year Ending March 31, 2026 (April 1, 2025 - March 31, 2026)

(Year-on-year change %)

(Note) Revisions to the previously announced financial forecast: No

• Notes

  1. Significant changes in the scope of consolidation during the period : No

  2. Application of accounting treatments specific to the preparation of the quarterly consolidated financial statements

     : Yes

     (Note) Please refer to "2. Quarterly Consolidated Financial Statements and Notes, (3) Notes to the Quarterly Consolidated Financial Statements (Notes concerning accounting treatments specific to the preparation of the quarterly consolidated financial statements)" on page 11 for detail.

  3. Changes in accounting policies, changes in accounting estimates, and restatement of revisions

     1. Changes in accounting policies with revision of accounting standards, etc. : No

     2. Changes in accounting policies other than (ⅰ) above : No

     3. Changes in accounting estimates : No

     4. Restatement of revisions : No

  4. Number of outstanding shares (common shares)

     As of December 31, 2025	1,466,912,244	shares	As of March 31, 2025	1,466,912,244	shares
     As of December 31, 2025	31,108,080	shares	As of March 31, 2025	31,351,197	shares
     For the nine months ended December 31, 2025	1,435,713,347	shares	For the nine months ended December 31, 2024	1,434,867,965	shares

     1. Number of outstanding shares (including treasury shares)

     2. Number of treasury shares

     3. Average number of shares outstanding during the period

        (Note) The number of treasury shares as of December 31, 2025 includes the Company's shares held by a trust under the performance-based stock compensation plan (2,395,564 shares as of December 31, 2025, 2,527,676 shares as of March 31, 2025).

        Also, the number of treasury shares excluded in calculating the average number of shares outstanding during the period includes the Company's shares held by a trust under the performance-based stock compensation plan (2,441,768 shares for the nine months ended December 31, 2025, 2,604,692 shares for the nine months ended December 31, 2024).

• Review of the accompanying quarterly consolidated financial statements by certified public accountants or an audit firm

  : Yes (voluntary)

• Explanation regarding the appropriate use of the forecasts, etc. (Remarks on forward-looking statements)

  The forward-looking statements in this report, including financial forecast, have been prepared by using information available to Mitsubishi HC Capital Inc. ("Company" or "we") on the date of release and the certain assumptions deemed reasonable by the Company, and are not intended to assure that the Company will achieve such results. Actual earnings may differ significantly from the forecasts for various reasons.

• This document is written in Japanese and translated into English. The Japanese text is the original and the English text is for reference purposes. If there is any conflict or inconsistency between these two texts, the Japanese text shall prevail.

Contents

1. Summary of Operating Results, etc. 2

   1. Consolidated Operating Results 2

   2. Operating Results by Reportable Segments 4

   3. Consolidated Financial Position 6

   4. Outlook 6

2. Quarterly Consolidated Financial Statements and Notes 7

   1. Quarterly Consolidated Balance Sheets 7

   2. Quarterly Consolidated Statements of Income and Quarterly Consolidated Statements of

      Comprehensive Income 9

      Quarterly Consolidated Statements of Income 9

      Quarterly Consolidated Statements of Comprehensive Income 10

   3. Notes to the Quarterly Consolidated Financial Statements 11

11

(Notes concerning accounting treatments specific to the preparation of the quarterly consolidated financial statements)

(Additional information) 11

(Notes concerning segment information, etc.) 11

(Notes concerning significant changes in shareholders' equity) 13

(Notes concerning going concern assumption) 13

(Notes concerning quarterly consolidated statements of cash flows) 13

1. Summary of Operating Results, etc.

   1. Consolidated Operating Results

      Net income attributable to owners of the parent for the nine months ended December 31, 2025 increased by

      ¥47.9 billion, or 55.1% year on year, to ¥134.9 billion, mainly due to the following factors:

      1. A profit increase in the Real Estate segment, driven by significant gains on sales of multiple assets which more than offset the absence of the positive impact from the sale of Miyuki Building Co., Ltd. recorded in the previous fiscal year,

      2. A growth in the Aviation segment,

      3. A decrease in credit costs related to the Americas business in the Global Customer Business segment,

      4. The positive impact of fiscal period adjustment* associated with the change of fiscal year-end of consolidated subsidiaries, Engine Lease Finance Corporation and its subsidiaries, CAI International, Inc. and its subsidiaries, and PNW Railcars, Inc. and its subsidiaries.

* Please refer to "2. Quarterly Consolidated Financial Statements and Notes, (3) Notes to the Quarterly Consolidated Financial Statements (Additional information) (Change of fiscal year-end of consolidated subsidiaries)" on page 11 for details of the "positive impact of fiscal period adjustment."

(Billions of yen)

(Major topics)

April 2025 ∙ Announced the launch of a J-Credit* generation business based on the CO2 reduction project introducing solar power generation equipment which is jointly managed and operated with SANEI Co., Ltd.

* Under the J-Credit Scheme, the Japanese government certifies the amount of CO2 emissions, etc. reduced through introducing energy-saving facilities and using renewable energy and the amount of CO2, etc. absorbed through proper management of forests as "credit."

• Started to provide the "Energy-saving IoT package" with Internet Initiative Japan Inc.,

  a one-stop solution that provides the IoT sensors, networks, and visualization platforms necessary for the manufacturing industry's efforts to realize carbon neutrality.

• Established "MHC Incubation Center Inc." to promote new business development.

  May 2025 ∙ European Energy A/S, our equity-method affiliate, started to supply methanol that is produced by combining green hydrogen produced using renewable energy and biogenic CO2 (e-methanol) in Denmark.

• Announced "Progress of the Medium-term Management Plan (2025 MTMP)" at the date of disclosure of the financial results for the fiscal year ended March 31, 2025.

  ("Medium-term Management Plan" page of the website)

  URL https://www.mitsubishi-hc-capital.com/english/investors/managementplan/index.html

  June 2025 ∙ Announced that Kamiosatsu Hikari Chikuden Godo Kaisha, which was established through investment by Mitsubishi HC Capital Energy Inc., our group company, Mitsubishi Estate Co., Ltd., Samsung C&T Corporation, and Osaka Gas Co., Ltd., began construction of grid-scale battery storage facilities in Chitose City, Hokkaido Prefecture.

• Concluded a business alliance agreement with Industry One, Inc. (current name: MCD3 Inc.) to strengthen functions to support customers' DX and new business development.

  July 2025 ∙ Concluded the "J.LEAGUE Climate Action Partner" agreement to promote climate-focused initiatives.

• Delivered the AI-powered on-demand system and vehicles in collaboration with MONET Technologies Inc., supporting the launch of the AI-powered on-demand ride-sharing service* in Aya Town, Miyazaki Prefecture.

  • A transportation service that utilizes AI to calculate efficient routes based on user reservations and operates in real time. Unlike traditional buses that run on fixed schedules and routes, it offers flexible operations tailored to user needs.

• Announced the launch of service solutions for digital signage and in-cabin televisions on the newly built cruise ship ASUKA III, operated by NYK CRUISES CO., LTD.

  August 2025 ∙ Launched a joint pilot project utilizing perovskite solar cells* with EneCoat Technologies Co., Ltd. and Hokkaido Electric Power Co., Inc.

  • Next-generation solar cells that employ a compound with a crystal structure called perovskite as its photovoltaic layer, characterized by its thinness, light weight, and flexibility.

• Engine Lease Finance Corporation, our group company, announced that it concluded a direct purchase agreement with CFM International S.A., a leading aircraft engines manufacturer for narrowbody aircraft*, for a total of 50 new aircraft engines.

  • Single-aisle aircraft used for domestic and short-haul flights, typically seating around 100 to 200 passengers.

• The Company, MHC Renewable Networks, Co., Ltd., our group company, in collaboration with MC Retail Energy Co., Ltd., announced the installation of storage batteries at Lawson stores as the first initiative of a solution utilizing distributed storage batteries.

• The Company and our group company MITSUBISHI HC CAPITAL IT PARTNERS Inc. announced the introduction of 280 refurbished PCs "Reborn VAIOTM" which come with a warranty of VAIO Corporation.

  • These PCs, originally manufactured by VAIO Corporation, are repurchased from customers following lease expiration or similar circumstances. Each unit is professionally refurbished and maintained at VAIO headquarters and factory in Azumino City, Nagano Prefecture, where it is restored to meet VAIO's strict proprietary standards. Unlike typical used products, "Reborn VAIO" PCs undergoes thorough inspection, cleaning, and component replacement as needed, and comes with a one-year manufacturer warranty.

• Decided to participate in the demonstration project for the low-carbon hydrogen model town in Chita City, Aichi Prefecture.

September 2025

October 2025

November 2025

December 2025

• Announced the launch of a subscription-based service for preventive infrastructure maintenance* using an earthworm-like in-pipe crawling robot with SoLARIS Inc., with whom we entered into a capital and business alliance agreement in June 2024.

  • Refers to implementing preventive measures such as repairs before any issues in the functionality or performance of a facility arise.

• Launched a demonstration project with ALPS ALPINE CO., LTD to test an IoT-based service designed to monitor and ensure children's safety.

• Announced the achievement of "a 55% reduction in Green House Gas (GHG) emissions (Scope 1,2) in FY2030 compared to FY2019," one of our non-financial targets set in the 2025 MTMP, ahead of schedule in FY2024.

• The proton beam therapy system delivered through the University of Tsukuba Hospital Proton Therapy Facility Development and Operation Project promoted by Hitachi High-Tech Corporation, TODA CORPORATION, BIKEN TECHNO CORPORATION, and the Company has commenced treatment.

• Mitsubishi HC Capital Realty Inc., our group company, established RterraM, Inc. based on a joint venture agreement with Renoveru, Inc. for a project management business focused on real estate revitalization.

• Announced the conclusion of a partnership agreement with The Chugin Lease Company, Limited on "GX Assessment Lease" offered by the Company.

  • Our proprietary lease and installment program that supports customers in introducing low-carbon facilities.

• Announced the launch of a proof-of-concept with Nexa Ware Co., Ltd., LOGISTEED, Ltd., and TSUBAKIMOTO CHAIN CO. for a remote forklift operation system for logistics warehouses.

• Held "CLAP WakBiz," one of Japan's largest ideathon events for creating new business ideas. A total of 241, including 171 new business development representatives from 104 companies, primarily listed companies, and 70 employees from the Company, participated.

• Announced the conclusion of a partnership agreement with Yamanashi Chugin Lease Co, Ltd. on "GX Assessment Lease."

• MHC Renewable Networks, Co., Ltd., our group company, announced the establishment of a special purpose company through joint investment with Eco Style Co., Ltd. aimed at acquiring and aggregating low-voltage solar power plants.