Message from the PresidentMessage from the President

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

2025年9月期は、キャッシュレス決済の普及が促進され、旅行や外食などの消費も堅調に推移する一方、物価上昇等の影響による節約志向も強まり、依然として不透明感が残る事業環境となりました。

このような状況のもと、決済代行事業は主力決済サービスの営業活動における生産性が向上し、案件大型化や大手企業との業務提携も進捗いたしました。対面市場では決済処理件数が増大し利益成長に貢献いたしました。金融関連事業ではGMO後払いの収益性改善が継続し、海外企業向け融資サービスも好調推移いたしました。

加えて、2025年７月に当社初となる普通社債を発行し200億円の資金を調達、またAI活用によるコスト抑制や売上向上に積極的に取り組み、成果を上げた年となりました。

以上の結果、2005年４月の東証マザーズ上場から20年という節目の年も業績目標を上回り、20期連続の増収増益を達成することができました。これもひとえに株主の皆様の温かいご支援の賜物と深く感謝申しあげます。

当社はお客様や社会の課題解決のためイノベーション創出に取り組むと同時に、持続可能な社会の実現に貢献し、一層の企業価値向上を目指してまいります。

We sincerely ask for your continued support.

2025年12月
代表取締役社長　相浦　一成

Greetings to all stakeholders.

In the fiscal year ending September 2025, the business environment was marked by rising cashless penetration and lingering uncertainty due to deepening frugality from the effect of rising prices, despite the robust consumption seen in travel and dining sectors.

Under these conditions, the Payment Processing Business made productivity improvements of sales activities for the flagship payment service as well as in making progress in business alliances with large corporates and winning large-scale projects. The Card Present (CP) domain also contributed to profit from the increase in transaction volume. The Money Service Business saw continued improvements in profitability of GMO Payment After Delivery and overseas lending also trended favorably.

In addition, the first ever corporate bond was issued in July 2025, raising ¥20.0 bn. This was also the year that benefits of cost controls and revenue expansion coming from aggressive AI deployment were realized.

As a result, we have not only achieved 20 consecutive terms of revenue and profit increase but also exceeded the earnings guidance in this pivotal 20 years since the listing on TSE Mothers market in April 2005. This achievement was possible thanks to the encouraging support from our stakeholders, and we are deeply grateful for your support.

We will strive to further raise the corporate value through innovations that help resolve issues that clients and society faces as well as to contribute to the realization of a sustainable society.

We look forward to your continued support and guidance in our endeavors.

Issei Ainoura
President & Chief Executive Officer
December 2025