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Financial Results for the Second Quarter of Fiscal Year 2025
COPYRIGHT © 2025 SEVEN BANK, LTD. ALL RIGHTS RESERVED.
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Financial Results for the Second Quarter of Fiscal Year ending March 31, 2026
Key Figures by Business
Financial Results
Forecast for Fiscal Year Ending March 31, 2026
Review of First Half and
Growth Strategy
APPENDIX
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COPYRIGHT © 2025 SEVEN BANK, LTD. ALL RIGHTS RESERVED.
01
AGENDA Financial Results for the
Second Quarter of Fiscal Year Ending March 31 , 20262
COPYRIGHT © 2025 SEVEN BANK, LTD. ALL RIGHTS RESERVED.
Key points of the results for the second quarter of the fiscal year ending March 31, 2026Financial results
overview
Both consolidated and non-consolidated results showed higher ordinary income but
lower ordinary profit.
Domestic ATM
business
The number of transactions
continued to grow steadily, while the number of ATMs fell short of the plan.
Domestic retail
business
Loan balance grew in line with the plan. While the number of Seven Card members declined, recent application numbers
exceeded the plan.
Overseas
business
The U.S. business remained strong, while Asian subsidiaries
underperformed compared with the plan.
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COPYRIGHT © 2025 SEVEN BANK, LTD. ALL RIGHTS RESERVED.
Financial Results for the Second Quarter of Fiscal Year Ending March 31 , 2026
FY2025 1H results | FY2024 1H results | YoY | Vs. plan | ||
Ordinary income | ¥107.5 | billion | ¥106.2 billion | +1.2% | +1.4% |
Ordinary expenses | ¥92.7 | billion | ¥89.5 billion | +3.5% | (0.8)% |
Ordinary profit | ¥14.8 | billion | ¥16.7 billion | (11.3)% | +18.4% |
Net income attributable to owners of the parent | ¥9.9 | billion | ¥10.9 billion | (9.1)% | +23.7% |
EBITDA | ¥30.5 | billion | ¥30.6 billion | (0.3)% | - |
Profit/Loss [Consolidated]
Ordinary income
Increased primarily owing to the performance of Seven Bank (non-consolidated).
Ordinary profit
Declined primarily due to higher expenses at Seven Bank (non-consolidated) but exceeded the plan due to stronger-than-expected performance in the U.S. and the impact of Seven Card Service Co., Ltd.
Notes:
All comments and figures regarding changes are compared with the same period a year ago.
Amounts less than one hundred million yen have been truncated.
Previous-year comparisons are based on the figures presented
in these materials.
Exchange rates used in the consolidated income statement: FY2024 1H $1 = ¥152.36
FY2025 1H $1 = ¥148.40 FY2025 Plan $1= ¥146.00
All EBITDA in these materials are calculated as Ordinary profit +
Depreciation and amortization. 4