Medium-term Management Plan｜AIFUL CORPORATION

The AIFUL Group aims to transform itself to an IT company that lasts 100 years and has formulated Medium-term Management Plan that ends in the fiscal year ending March 31, 2027 with a long-term goal of reaching 100 billion yen in ordinary profit.

Theme of the Medium-term Management Plan

Fundamental Policies

Invest in M&A

Invest in M&A to bring changes to the Top-line portfolio composition

Total investment of 60.0 billion yen MAX

Cost Structure Reform

Implement Cost Structure Reform by reviewing human resource compositions and utilizing in-house engineers, etc.

Cost reduction of 5.0 billion yen or more over 3 years

Well-focused investments will be continued centered on the high performing 4 Core Businesses

Consumer finance

Small business loan

Credit guarantee

Installment sales

Financial Indicators

A graph showing changes in ordinary profit and real ROE from March 2024 to March 2027. Ordinary profit for each year is 22.0, 24.0, 30.0, and 42.0 billion yen, and real ROE is 8.0%, 8.0%, 9.1%, and 11.4%, respectively. The goal is 100 billion yen in operating profit, 15% real ROE and total receivables of 2 trillion yen or more.

*Real ROE is calculated based on Profit attributable to owners of parent assuming an effective tax rate at 30%

	24/3	25/3 (E)	26/3 (E)	27/3 (E)
Operating Revenue (billion yen)	163.1	180.0	198.0	218.0
Ordinary profit (billion yen)	22.0	24.0	30.0	42.0
ROA (%)	1.9	1.8	2.0	2.5
ROE (%)	11.7	10.3	9.6	12.6
Equity ratio (%)	15.6	15.2	15.1	15.5

Capital Policy

1.Growth Investment

Promote M&A and capital investment of up to 60 billion yen to improve ROE

2.Shareholder Return

Targeting a Total Payout Ratio of around 20%

Please refer to the Medium-term Management Plan for details.