Source disclosure: February 03, 2026
SBI ARUHI Corporation [7198.T]
TOKYO, Feb 3 (Kyodo) -- SBI ARUHI Corp., listed on the Tokyo Stock Exchange Prime Market under code number 7198, announced its third quarter earnings report for the fiscal year ending March 2026 based on International Financial Reporting Standards (IFRS). The company aims to provide timely and appropriate information disclosure to shareholders and investors before completing its formal accounting procedures.
The preliminary consolidated results for the period from April 1, 2025, to December 31, 2025, show an increase in operating revenue to 18,985 million yen, up from 16,507 million yen in the same period last year. This represents a growth of 15 percent compared to the previous fiscal year's third quarter. Pre-tax income rose to 2,499 million yen, marking an 8.3 percent increase over the prior year’s figure of 2,308 million yen. Net income attributable to owners of the parent company reached 1,714 million yen, reflecting a 9.5 percent rise from 1,565 million yen reported in the corresponding period of 2025.
SBI ARUHI President and CEO Ichima Nao stated that the company's core product, "Flat 35," saw increased loan disbursements during this quarter due to narrowing interest rate differentials between fixed-rate products like Flat 35 and variable-rate offerings by other financial institutions. However, origination-related revenues declined by 2.5 percent year-over-year as variable-rate loans did not grow as expected. Recurring revenues experienced robust growth of 18.7 percent thanks to higher servicing fees from multiple service transfers and stable insurance and rent guarantee sales. Asset and other revenues surged by 45.3 percent, driven primarily by increased interest receipts from real estate collateral loans managed by subsidiary SBIEstateFinance and higher proceeds from property sales conducted by SBI Smile.
Operating expenses climbed to 16,510 million yen, a 16.5 percent jump from the previous year, largely attributed to rising funding costs, additional costs associated withincreased property sale revenues from SBI Smile, and expenses related to the full consolidation of Yuraku Housing Loan Co., Ltd., along with M&A activities. Despite these challenges, pre-tax profit improved significantly, contributing to overall profitability gains for the quarter.
It is important to note that while these figures represent the best estimates available as of the date of this announcement, they are subject to change when the final third-quarter results are released on February 12, 2026. Various factors could cause discrepancies between the current preliminary values and the finalized numbers.
Note: Financial figures from the earnings presentation have been removed pending correction. For accurate figures, refer to the company's earnings summary (kessan tanshin) filed separately on TDNet.
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