FAQ

Please refer to the Financial Highlights.

Please refer to the Financial Highlights.

AIFUL Group will continue to consider ways to improve shareholder returns while prioritizing investment in growth, in accordance with the capital policy outlined in the Medium-term Management Plan 2024.

Please refer to the Shareholder/Stock Information for dividends for the fiscal year under review and the next fiscal year.

Please refer to the Transformation Towards an IT Company.

Please refer to Appendix of the Financial Presentation Material.

Targets will be considered based on their synergy with our group, future potential (growth prospects), and contribution to a consolidated ROE of 10% or more.

An IT company is defined as one that creates products from the bottom up rather than top down approach, thereby increasing the speed of decision-making and product release, making us a company that customers choose.

The number of new contracts for unsecured loans at AIFUL was 153,000 (down 11.1% year on year) and total loans outstanding were 639,732 million yen (up 9.1% year on year) in the second quarter of fiscal year ending March 2026.

As of the second quarter of the fiscal year ending March 2026, installment receivables was 116,448 million yen (up 5.6% year on year) for LIFECARD and 101,469 million yen (up 30.8% year on year) AG Payment Service.

As of the second quarter of the fiscal year ending March 2026, the number of AIFUL’s credit guarantee tie-up banks increased by 7, reaching 168, and the consolidated credit guarantee balance stood at 329,763 million yen (up 25.0% year on year).

The AIFUL Group currently operates group companies in the Kingdom of Thailand, the Republic of Indonesia and the Republic of the Philippines where we offer consumer finance and used car loans to local customers.

AIRA & AIFUL Public Company Limited has worked to reduce fixed costs to improve profits, while promoting lending to mainly profitable customers and stabilizing collections.

As a result of the above, AIRA & AIFUL Public Company Limited posted operating revenue of 4,388 million yen (up 9.8% year on year), operating loss of 189 million yen, ordinary loss of 187 million yen and net loss of 197 million yen in the second quarter of the fiscal year ending March 2026.

In the second quarter of fiscal year ending March 2026, the amount of non-performing loans outstanding in AIFUL’s loan business was 99,181 million yen (up 3.3% year on year) while the NPL ratio stood at 15.4% (down 0.8pt year on year).

The ratio of bad debt write-offs remained stable at a low level of 2.1%.

The interest repayment claims at AIFUL (non-consolidated) have significantly decreased from the peak of 16,000 claims in February 2011, due to factors such as more than 15 years having passed since the Supreme Court decision and this decreasing trend continues.

In the second quarter of fiscal year ending March 2026, interest repayment claims decreased by 35.4% from the previous year to 730. Interest repayment decreased by 26.7% year on year to 1,102 million yen and waiver of principals related to interest repayment decreased by 40.4% to 73 million. As a result, total withdraw for interest repayment decreased by 27.7% year on year to 1,175 million yen.

Please refer to the Financial Highlights.

Please refer to Corporate Bonds/Rating.

The Prime Market of the Tokyo Stock Exchange.

8515.

100.

AIFUL has not introduced a shareholder gift scheme.

The transfer agent of AIFUL's shareholders' register is the Sumitomo Mitsui Trust Bank, Limited. (Please see here for contact details.)

The various procedures for AIFUL's shares are handled by the Sumitomo Mitsui Trust Bank, Limited which is the transfer agent of the shareholders' register. Please contact the transfer agent of the shareholders' register for details. In addition, shareholders who use the depository system should contact the securities company where they conduct business.

Please see here for historical stock splits and purchases of treasury stock.

AIFUL closes the fiscal year on March 31. AIFUL announces quarterly result.

Monthly Data is announced on the 25th of the following month.

The monthly data for June, September, December and March which are the quarterly fiscal year-ends, will be announced in the same date as the announcement date of each financial period.

February 1978. See History for a list of AIFUL milestones.

Please use Contact Details.