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.

【AIFUL】
The number of new contracts for unsecured loans was 78,000 (down 12.2% year on year) and unsecured loans outstanding were 627,688 million yen (up 9.0% from the previous year-end) in the first quarter of fiscal year ending March 2026.

As of the first quarter of the fiscal year ending March 2026, credit card purchase was 113,539 million yen (up 3.2% year on year), installment sales finance was 95,071 million yen (up 36.5% year on year). As a result, the overall balance of installment receivable in the credit business was 208,610 million yen (up 16.1% year on year).

【AIFUL】
As of the fiscal year ending March 2026, credit guarantee for unsecured personal loan was 208,774 million yen (up 25.8% year on year), and credit guarantee for small business loan was 72,885 million yen (up 23.9% 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 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 2,223 million yen (up 12.4% year on year), operating loss of 248 million yen, ordinary loss of 246 million yen and net loss of 218 million yen in the first quarter of the fiscal year ending March 2026.

In the first quarter of fiscal year ending March 2026, the amount of AIFUL’s non-performing loans outstanding increased to 98,775 million yen (up 3.3% year-on-year) and the NPL ratio stood at 15.6% (down 0.8pt year on year).　The ratio of bad debt write-offs remained stable at a low level of 1.1%.

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 first quarter of fiscal year ending March 2026, interest repayment claims decreased by 38.5% from the previous year to 400. Interest repayment decreased by 21.7% year on year to 689 million yen and waiver of principals related to interest repayment decreased by 16.8% to 36 million. As a result, total withdraw for interest repayment decreased by 21.5% year on year to 726 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.