will relocate to each operating company's site.Management StrategyManagement Strategy
（2025年9月期時点）
Target Management Indicators
当社連結企業群は、2030年から2031年の営業利益1,000億円を経営目標とし、これを通過点として中長期の持続的成長と企業価値向上の実現に向けた経営を推進しております。
当社連結企業群は電子商取引（EC）市場を中心としたオンライン決済及び対面決済のインフラを担う企業として、より安全で便利なEC・キャッシュレス環境を創造し、日本のEC化率の向上及びDX（デジタルトランスフォーメーション）の推進、キャッシュレス比率の向上に貢献してまいります。また、さらに新事業の展開、事業パートナー会社との業務・資本提携、子会社設立、並びに海外事業展開等により事業規模の拡大に努めてまいります。
Establishing a Growing Market
Expansion of EC market
The EC ratio of Japan is still at a low level compared to developed countries in Europe and the United States, and the e-commerce market is expected to expand in the medium to long term due to the development of Japan logistics networks, the penetration of subscriptions into daily life, and the introduction of Online Merges with Offline (OMO).
EC ratio in developed countries *
* 経済産業省「令和6年度 内外一体の経済成長戦略構築にかかる国際経済調査事業（電子商取引に関する市場調査） 」、米国国勢調査局 "The 2nd Quarter 2025 Retail E-Commerce Sales Report"、英国国家統計庁 "Retail Sales Index internet sales, September 2025"
Progress of cashless payments
Japan's cashless payment market continues to expand in response to inbound tourism and government policies. However, the ratio of cashless payment is still at a low level compared to developed countries in Europe and the United States, and there is great room for growth in the medium to long term as a solution to social issues such as population decline and regional revitalization faced by Japan.
Cashless ratio in Japan and overseas (as a percentage of private final consumption expenditure) *1 *2
*1 内閣府「国民経済計算」、一般社団法人クレジット協会「日本のクレジット統計」、日本銀行「決済動向」、一般社団法人キャッシュレス推進協議会「コード決済利用動向調査」
*2 日本/韓国/イギリス/アメリカ：一般社団法人キャッシュレス推進協議会「キャッシュレス・ロードマップ2024」、台湾：国家発展委員会、台湾は2019年、韓国/イギリス/アメリカは2023年、日本は2024年実績
Expansion of business domains
After starting our business exclusively in the credit card business, we have expanded our business domain and developed new markets. We will continue to expand our business domains and create new value.
Sales by Focus Areas revenue *
* Sales revenue before consolidation elimination, TL: transaction lending
GMO Internet Group Group Management Strategy
The GMO Internet Group aims to manage the Group through the "decentralization of authority" and the creation of "group synergies." In other words, in order to respond to the rapidly changing Internet market, each Group company selects an area in which it excels, invests management resources in that area with a focus on it, and manages independently with the aim of becoming No. 1. Among them, GMO Payment Gateway, Inc. plays a role in "payment processing business".
In addition, we are growing while creating group synergies based on the sharing and thorough implementation of "GMO-ism," which is the general term for the GMO Internet Group's corporate motto and Our values.
(As of FY2025)
Management KPI Targets
GMO-PG and its consolidated subsidiaries will carry out management to achieve the operating profit target of ¥100.0bn by FY2030 or FY2031 and to strive for medium-to-long term sustainable growth and enhanced corporate value upon reaching this target milestone.
As a company vested to build the payment infrastructure for the online (mainly e-commerce market) and CP markets, we will contribute to raise cashless penetration in Japan by providing a safe and convenient e-commerce and cashless environment to raise EC penetration and promote Digital Transformation (DX). In addition, GMO-PG and its consolidated subsidiaries will continually strive to scale up by launching new businesses, forging business and capital alliances with other business partners, establish subsidiaries and pursue overseas expansion.
Positioning in Growth Markets
Expansion of EC market
EC market is expected to expand over the medium-to-long term with the development of logistics networks, penetration of subscription services in daily lives and implementation of Online-Merges-with-Offline (OMO), as Japan's EC penetration rates still remains lower than developed countries such as US and Europe.
EC Penetration Rates in Developed Markets *
* METI "FY2024 Global Survey Project Concerning Integrated Domestic and External Economic Growth Strategy Building (E-Commerce market survey)", U.S. Bureau of the Census "The 2nd Quarter 2025 Retail E-Commerce Sales Report", U.K. Office for National Statistics "Retail Sales Index internet sales, September 2025"
Progress of cashless migration
Japan's cashless payment market is on an expansionary path, given the need to cater to inbound tourist and government's policy.
Still, current cashless payment penetration remains low compared to developed countries of US and Europe, and therefore holds growth potential in the medium-to-long term as the means to resolve the social issues faced by Japan such as depopulation and regional revitalization.
Cashless Penetration (ratio of private final consumption) *1 *2
*1 Cabinet Office "System of National Accounts", Japan Consumer Credit Association's Credit Card Statistics, Bank Of Japan's Payment and Settlement Statistics, Payments Japan Association's Code Payment Statistics.
*2 Figures for Japan, South Korea, UK and USA are excerpts from Payments Association Japan's "Cashless Roadmap 2024." Figures for Taiwan are from National Development Council. Actual figures for Taiwan are up to 2019, 2023 for South Korea, UK and USA and, 2024 for Japan.
Expansion of business domains
After commencing its business as a specialized credit card payment processing company, The Company expanded its scope of business and is currently making inroads into markets. The Company will strive to expand its businesses and create new value.
Revenue trend by consolidated subsidiary and/or service *
* Figures represented are before adjustments and eliminations.
Group management strategies of GMO Internet Group
GMO Internet Group aims for group management through "decentralization of authority" and "creation of group synergy.
In other words, to adapt to the rapidly changing internet market, each company within the group selects its area of expertise, focuses its management resources on that area, aims to become No. 1, and operates independently.
Within the group, GMO Payment Gateway, Inc. is responsible for the payment business.
And based on the shared and thorough implementation of "GMOism," which is the company's philosophy and principles within the GMO Internet Group, we are growing while creating group synergy.
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