AEON Financial Service Co., Ltd. (TYO:8570)

AEON Financial Service Income Statement

Financials in millions JPY. Fiscal year is March - February.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May 31, 2025	Feb 28, 2025	Feb 29, 2024	Feb 28, 2023	Feb 28, 2022	Feb 28, 2021
Interest Income on Loans	198,526	194,172	177,493	163,410	152,101	160,265
Interest Income on Investments	6,608	6,608	2,626	3,162	4,866	4,650
Total Interest Income	205,134	200,780	180,119	166,572	156,967	164,915
Interest Paid on Deposits	13,535	7,577	3,095	2,397	1,864	2,321
Interest Paid on Borrowings	28,306	28,306	23,626	18,953	16,596	18,437
Total Interest Expense	41,841	35,883	26,721	21,350	18,460	20,758
Net Interest Income	163,293	164,897	153,398	145,222	138,507	144,157
Net Interest Income Growth (YoY)	6.45%	7.50%	5.63%	4.85%	-3.92%	-13.69%
Gain (Loss) on Sale of Assets	-323	-2,833	-685	-617	-606	-701
Gain (Loss) on Sale of Investments	3,185	270	376	300	743	-398
Other Non-Interest Income	176,342	173,397	163,717	156,655	169,983	184,238
Total Non-Interest Income	319,722	309,948	289,124	268,754	301,899	311,840
Non-Interest Income Growth (YoY)	10.58%	7.20%	7.58%	-10.98%	-3.19%	5.06%
Revenues Before Loan Losses	483,015	474,845	442,522	413,976	440,406	455,997
Provision for Loan Losses	-9,945	-10,020	-16,048	-16,116	-11,920	-9,450
Revenue	492,960	484,865	458,570	430,092	452,326	465,447
Revenue Growth (YoY)	7.50%	5.73%	6.62%	-4.92%	-2.82%	-1.87%
Selling, General & Administrative	410,567	406,259	381,006	342,034	347,766	358,689
Other Non-Interest Expense	31,469	29,285	26,977	28,272	45,620	67,606
Total Non-Interest Expense	441,749	435,052	407,828	369,165	392,554	425,911
EBT Excluding Unusual Items	51,211	49,813	50,742	60,927	59,772	39,536
Asset Writedown	-2,966	-201	-1,297	-777	-202	-144
Other Unusual Items	-344	-344	-90	-267	174	-88
Pretax Income	47,901	49,268	48,880	59,799	59,744	39,304
Income Tax Expense	16,412	16,815	15,174	16,177	18,698	13,196
Earnings From Continuing Operations	31,489	32,453	33,706	43,622	41,046	26,108
Minority Interest in Earnings	-13,688	-12,926	-12,810	-12,945	-10,834	-8,415
Net Income	17,801	19,527	20,896	30,677	30,212	17,693
Net Income to Common	17,801	19,527	20,896	30,677	30,212	17,693
Net Income Growth	-14.81%	-6.55%	-31.88%	1.54%	70.76%	-52.51%
Basic Shares Outstanding	216	216	216	216	216	216
Diluted Shares Outstanding	216	216	216	216	216	216
Shares Change (YoY)	0.01%	0.01%	0.01%	0.00%	-	-2.57%
EPS (Basic)	82.46	90.45	96.80	142.12	139.98	81.98
EPS (Diluted)	82.45	90.45	96.80	142.12	139.97	81.97
EPS Growth	-14.82%	-6.56%	-31.89%	1.54%	70.76%	-51.26%
Dividend Per Share	53.000	53.000	53.000	53.000	46.000	34.000
Dividend Growth	-	-	-	15.22%	35.29%	-54.17%
Effective Tax Rate	34.26%	34.13%	31.04%	27.05%	31.30%	33.57%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.