Frequently Asked Questions

Consolidated (IFRS Based)
Sales revenue 82,499 million yen (+11.8%)
operating profit 31,340 million yen (+24.4%)
Profit before tax 31,911 million yen (+16.0%)
Profit 22,538 million yen (+17.2%)
Income attributable to owners of the parent 21,829 million yen (+16.7%)
(% display is the percentage change rate compared to the previous fiscal year)

Consolidated (IFRS Based)
Sales revenue 93,235 million yen (+13.0%)
operating profit 37,639 million yen (+20.1%)
Profit before tax 361.19 million yen (+13.2%)
Income 24,284 million yen (+7.7%)
Profit attributable to owners of the parent 23,406 million yen (+7.2%)
(% display is the percentage change rate compared to the previous fiscal year)

• By promoting business from a medium- to long-term perspective profit growth
• Establishment of dividend payout ratio targets as a profit distribution measure
• Appropriate IR Activities

We will continue to make efforts to improve our corporate value.

Regarding dividends for the fiscal year ending September 2026, based on the strong business plan, we expect dividend per share to further strengthen shareholder returns by continuing to increase dividends by Ordinary dividend consecutive dividends since the start of dividends, and to contribute to the improvement of corporate value over the medium to long term.

The Company recognizes that lowering investment units is one of the effective measures to increase the liquidity of stocks and create an environment in which it is easier for more investors to invest. The specific measures and timing have not yet been decided, but we will continue to consider them in a comprehensive manner, taking into account changes in the stock price level of the Company's shares, supply and demand conditions, changes in the composition of shareholders, and other circumstances, as well as the advantages and disadvantages for the Company's shareholders.

As of the end of March 2026, operating merchants reached 171,257 stores.

(*) Excluding specific cases and the number of fincode byGMO stores. Including the relevant case, the operating merchants at the same time totaled 829,062 stores.

We provide services based on payment that support online, cashless, DX, etc. The annual Transaction value exceeds 23 trillion yen, and Online Payment Service has been introduced to more than 150,000 merchants, including e-commerce businesses and public entity such as NHK and National Tax Agency. (Consolidated figures as of the end of March 2026)
As a leading company in the payment industry, Online Payment Service, payment services in the face-to-face area, buy now pay later BNPL (Buy Now Pay Later), financial institution BaaS Support to operating companies, and strategic investment and financing for overseas advanced FinTech companies, etc. payment finance We will lead social innovation through technology and contribute to the realization of a sustainable society and the progress and development of society.

payment processing services is building a business model in which transactional revenue are stacked on top of a stable stock-type revenue.

We classify the revenue received from merchants into the following categories.

1. Initial (initial revenue): Initial installation cost of payment terminal fees in the face-to-face field
2. Stock (fixed cost sales): customer support and maintenance fee such as support and administrative expenses
3. Fee (processing fee sales): A pay-as-you-go fee charged based on the number of data processes
4. Spread (merchant sales): A commission on the sales proceeds obtained when the merchant's sales proceeds are deposited in bulk.

In addition, we provide value-added services (finance-related services and payment activation services) that contribute to sales expansion to merchants who use our core business, payment processing services. As the payment processing of merchants increases, we have established a "reflux model" that expands our core business.

For the second quarter of the fiscal year ending September 2026 (January~March 2026), Transaction volume (consolidated) will be approximately 2.1 billion cases, and Transaction value (consolidated) will be about 5.8 trillion ^{yen (*).}​

（※） Online Transaction volume excluding GMO Financial Gate are about 1.7 billion transactions, and Transaction value is about 3.4 trillion yen

Spread (merchant sales) is the sales of "Representative Contract" that we provide to businesses by comprehensively providing merchant contract with credit card companies.
When the Company collectively deposits the sales proceeds of merchants deposited from the credit card company to the Company, the spread of sales (commission on the sales price) obtained as a comprehensive fee is the merchant sales. In addition, we have adopted online accounting for the recording of sales.

The online payment service is used by a wide range of customers, including public entity, mainly e-commerce businesses in the product and non-product sales areas. In addition, in addition to developing payment services for stores in the face-to-face area, we also provide BaaS Support services mainly to financial institution and operating companies.
Please refer to the following case studies for your reference.

As a company responsible for online payment and Card Present Transactions infrastructure centered on the e-commerce (e-commerce) market, we will contribute to creating a safer and more convenient e-commerce and cashless environment, improving Japan EC ratio, promoting DX (digital transformation), and increasing the cashless ratio. In addition, we will strive to expand our business scale by developing new businesses, forming business and capital alliances with business partners, establishing subsidiary, and expanding our overseas business.

We are promoting business activities that support online, cashless, paperless, DX, finance inclusion, etc. By solving social issues through these business activities, we will contribute to sustainable social development and sustainably increase our corporate value.

Our main business, online payment services, account for about 85% gross profit margin. The gross margin of sales of value-added services varies from service to service, but the gross margin is lower than that of payment services.

As of the end of March 2026, the consolidated statement of fiscal position includes 19,978 million yen in bonds (zero-coupon convertible bonds) and 14,710 million yen in borrowings in current liabilities, and 19,927 million yen in bonds and 19,397 million yen in borrowings in non-current liabilities.

We have set a management target of operating profit 100 billion yen from 2030 to 2031, and we are promoting management to achieve sustainable growth over the medium to long term and increase corporate value using this as a passing point.

Since the Company's consolidated companies are mainly engaged in business such as credit card payment processing services, they manage important information such as credit card information.

In order to prevent information leakage, as part of strengthening our risk management system, we are the first listed payment processing services company to obtain compliance certification to ISO/IEC 27001 (JIS Q 27001), which is considered a global standard for information security management, covering all of our consolidated corporate group offices. As a result, the information security management system of the Company's consolidated companies is objectively judged to be appropriate and secure in compliance with strict international standards. In addition, PCI DSS, a global security standard for the credit industry, jointly formulated by five international credit card brands – JCB, American Express, Discover, MasterCard, and VISA – has obtained the latest certification through annual recertification audits after obtaining its first certification in December 2008.

Regarding the handling of personal information, we have obtained the Privacy Mark, which recognizes businesses that comply with the Japan Industrial Standard "JIS Q 15001 Personal Information Protection Management System" and have established a system to take appropriate protection measures for personal information.

Here are some of our main consolidated companies.

• GMO Epsilon, Inc.
  In order to drive the digitalization of the SME domain, we provide online payment services and FinTech services to support growth funds and cash flow for startups and e-commerce businesses. https://www.epsilon.jp/
• GMO Payment Service, Inc.
  We provide buy now pay later payment and BNPL services for BtoC e-commerce businesses and payment services for BtoB businesses. https://www.gmo-ps.com/
• GMO Financial Gate, Inc.
  In addition to providing multi-payment terminals for physical stores, we are responsible for promoting cashless in the face-to-face area, and we are developing services that realize contactless (touch payment) and unmanned (IoT payment). https://gmo-fg.com/
• GMO Reserve Plus Co.,Ltd.
  We provide a reservation management system that supports DX of operations, including reservation reception, mainly for medical institutions. https://gmo-reserve.plus/
• GMO Enpay, Inc.
  Mainly for the education industry, we provide a platform to support cashless and DX for collection operations. https://www.enpay.co.jp/corporation
• GMO-Z.COM PAYMENT GATEWAY PTE. LTD.
  GMO-Z.com PAYMENT GATEWAY USA, Inc.
  Investing in and financing promising FinTech startups in the United States and Asia, helping to create world-changing innovations. https://www.gmo-pg.com/investment/

In conducting our business activities, we are required to notify our parent company, GMO Internet Group, Inc., in advance only for "important resolutions," but we make our own decisions on all operations, including sales activities in each business, and develop our business. In addition, we recognize that the concurrent duties of directors from the GMO Internet Group do not interfere with our own management decisions, and that the independence of management is ensured.
When the Company's consolidated companies conduct transactions with a corporate group such as the parent company, the Company carefully examines the appropriateness of the terms and conditions of the transactions, including when commencing new transactions and continuing existing transactions, from the perspective of protecting minority shareholders, by comparing them with the terms and conditions of transactions with other third parties. Specifically, the Company regularly comprehensively compares the terms and conditions of transactions with third parties and reports to the Board of Directors, which also participates in External Director, which is independent of the parent company, etc., that the terms are appropriate.
Important transactions and actions that conflict with the interests of the controlling shareholder and minority shareholders are discussed and examined by a special committee composed of independent persons, including independent External Director, and then reported to the Board of Directors for decision.

For details, please refer to "Securities Report for the Fiscal Year Ended September 2025 Part 2 Business Status 3 Business Risks, etc."

The Company's consolidated companies will management principles to "pursue the enrichment of both the minds and minds of comrades by contributing to the progress and development of society" and will build a governance system that can effectively and efficiently achieve this. Our basic philosophy regarding Corporate Governance is to develop a management governance system and implement measures necessary for sound development while ensuring management efficiency and legality at the same time, and we position it as one of the most important management issues. In addition, the Company has established the Code of Conduct for Officers and Employees to share the Group's philosophy and basic approach to compliance, and the Affiliated Company Regulations to stipulate management policies and management systems for Group companies, as well as various rules and regulations that Group companies and their officers and employees must comply with, thereby strengthening the governance of the entire Group of Consolidated Companies.

For details, please refer to "Status of Companies Submitted 4 Corporate Governance of the 'Securities Report for the Fiscal Year Ended September 2025'"

On April 4, 2022, due to a market change, the company was listed on the Prime Market of the Tokyo Stock Exchange.

The company's securities code is 3769.

On April 4, 2005, the company was listed on the Mothers Market of the Tokyo Stock Exchange. At that time, the number of issued shares was 18,975.2 shares, the public offering price was 800,000 yen, and the initial price was 4.5 million yen.
The Company has entered into a stock split of 4 shares per share on November 18, 2005, 200 shares per share on July 1, 2012, 2 shares per share on October 1, 2014, and 2 shares per share on October 1, 2018.

100 shares.

As of March 31, 2026, there are 76,557,545 shares.

It is the end of September every year.

See IR Calendar for more information.

The Company's financial results briefings are aimed at securities analysts, members of the media, and others who are in a position to widely disseminate information to shareholders and investors, and individuals are not invited due to the venue's availability. Thank you for your understanding. The materials used in the financial results briefing will be posted on the Company's website. In principle, briefings for individual investors are planned to be held every six months. As soon as it is decided, we will inform you on our website and e-mail magazine.

企業価値創造戦略統括本部　IR部（電子メール：ir@gmo-pg.com）までお問合せください。

The quiet period is a unique rule of the Company to prevent the leakage of information on financial results that may affect the stock price while preparing financial results announcement materials. We have a quiet period from 3 weeks prior to the quarterly performance disclosure.

We're here to answer your questions. However, we would like to refrain from making any comments about unannounced financial results, business performance, forecasts, or forecasts.