FAQ

Please refer to the Financial Highlights.

Please refer to the Financial Highlights.

Please refer to the Shareholder/Stock Information.

Based on the capital policy outlined in the Medium-Term Management Plan 2024, prioritizing growth investments while considering the enhancement of shareholder returns.

Please note that a comment on the specific timing of any dividend increase will not be provided.

For more information about the Medium-term Management Plan 2024, please see here.

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.

【AIFUL】
The number of new contracts for unsecured loans was 247,000 (down 7.7% year on year) and unsecured loans outstanding were 596,106 million yen (up 9.3% from the previous year-end) in the third quarter of fiscal year ending March 2025.

As of the third quarter of the fiscal year ending March 2025, credit card purchase was 116,295 million yen (up 4.6% year on year), installment sales finance was 83,987 million yen (up 52.2% year on year). As a result, the overall balance of installment receivable in the credit business was 200,283 million yen (up 20.4% year on year).

【AIFUL】
As of the third quarter of the fiscal year ending March 2025, credit guarantee for unsecured personal loan was 182,563 million yen (up 17.0% year on year), and credit guarantee for small business loan was 66,185 million yen (up 24.1% year on year).

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

AIRA & AIFUL Public Company Limited introduced eKYC ahead of other companies and worked to expand the balance of operating loans by acquiring new customers. However, the collection environment has recently slightly worsened somewhat due to the end of the COVID-19 remedy measures.

As a result of the above, AIRA & AIFUL Public Company Limited posted operating revenue of 6,124 million yen (down 0.5% year on year), operating loss of 1,351 million yen, ordinary loss of 1,347 million yen and net loss of 1,214 million yen in the third quarter of the fiscal year ending March 2025.

In the third quarter of fiscal year ending March 2025, amount of AIFUL’s non-performing loans outstanding increased to 98,211 million yen (up 7.9% year-on-year) and the NPL ratio stood at 16.3% (down 0.6pt year on year).

The increase in non-performing loans outstanding was primarily due to an increase in the number of settlement receivables with regular deposits (restructured loans), although it takes a certain amount of time to settle.

On the other hand, the ratio of bad debt write-offs remained stable at a low level of 2.8%.

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 third quarter of fiscal year ended March 2025, interest repayment claims decreased by 41.3% from the previous year to 1,580. Interest repayment decreased by 45.8% year on year to 2,147 million yen and waiver of principals related to interest repayment decreased by 48.9% to 184 million. As a result, total withdraw for interest repayment decreased by 46.1% year on year to 2,331 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.