Message from the PresidentMessage from the President

We would like to express our sincere gratitude for your continued support.

In the fiscal year ending September 2025, the spread of cashless payment was promoted, and consumption such as travel and dining out remained strong, while the desire to save money due to the impact of rising prices and other factors also strengthened, creating a business environment that remained uncertain.

Under these circumstances, the payment processing company business has improved productivity in its main payment service sales activities, and has also made progress in expanding its project size and forming business alliances with major companies. In the face-to-face market, Transaction volume increased, contributing to profit growth. In the finance-related business, GMO Payment After Delivery 's revenue performance continued to improve, and lending services for overseas companies also performed well.

In addition, in July 2025, we issued our first ordinary corporate bonds, raising 20 billion yen in funds, and actively working to control costs and improve sales through the use of AI, which was a year of results.

As a result of the above, we were able to exceed our performance target in the milestone year of 20 years since the listing of TSE Mothers in April 2005, and achieved 20 consecutive fiscal year increases in sales and profits. I would like to express my deep gratitude to all of our shareholders for their warm support.

We will work to create innovation to solve the problems of our customers and society, and at the same time contribute to the realization of a sustainable society and aim to further enhance our corporate value.

We sincerely ask for your continued support.

December 2025
President & Chief Executive Officer　Issei Ainoura