Industries›3 companies · latest full-year results
An industry that provides innovative financial services such as payments, remittances, and lending by integrating finance and technology.
The 3 fintech companies we cover had combined revenue of ¥158.1B (+19.2% year over year) and operating profit of ¥31.5B, an industry-wide operating margin of 20.0%.
GMO-PG leads on revenue (¥82.5B, a 52.2% share).
GMO-PG has the highest operating margin (38.0%); average pay across the industry is ¥9.10M, highest at GMO-PG (¥11.0M).
Industry total
Fintech · 3 companies
YoY compares companies with prior-year figures
StockShares are −11.6% over a year, behind the all-industry average (+14.9%) — #52 of 53 industries. Over the last month: +3.1%, +5.8pt against the market.Details
GuidanceCompany plans for FY2026 (2 companies combined): revenue +12.4%, operating profit +20.6%. Planned profit growth is above the all-industry plan (+13.0%).Details
Earnings dates2 companies report within 30 days, starting with GMO-PG on Nov 13 and Net Protections on Nov 13.Details
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| Company | Op. profit (last FY) | This year's plan | Plan change | Revision | Progress (Q2 cumulative) |
|---|---|---|---|---|---|
| ¥31.3B | ¥37.6B | +20.1% | Unchanged | 50% |
| ¥2.8B | ¥3.6B | +26.4% | Unchanged | 23% |
Plans are each company's forecast for the current year from its earnings release. Plan change compares with last year's results; revisions compare the latest forecast with the first one given for the year. Progress is cumulative operating profit ÷ the full-year plan, against an even pace of 25% after Q1, 50% after Q2 and 75% after Q3 (a rough guide for seasonal businesses).
| Change | 1M | 3M | 1Y |
|---|---|---|---|
| Fintech | +3.1% | −4.1% | −11.6% |
| All industries | −2.7% | −0.9% | +14.9% |
| vs. market | +5.8pt | −3.2pt | −26.6pt |
Rank among industries:3M #30/531Y #52/53
Industry returns are an equal-weighted (geometric) average of member companies. Prices are split-adjusted closes for reference, not real-time.
Average salary is the reporting entity's figure (often a holding company) from its annual securities report. Holding companies with fewer than 50 staff are excluded.
| Company | Revenue | YoY | Operating profit | Margin | Share | Average salary | Average age | Employees |
|---|---|---|---|---|---|---|---|---|
| 1 | ¥82.5B | - | ¥31.3B | 38.0% | 52.2% | ¥11.0M | 37.5 | 594 |
| 2 | ¥50.4B | +24.7% | ¥-2.7B | -5.3% | 31.9% | ¥7.23M | 34.3 | 1,707 |
| 3 | ¥25.2B | +9.5% | ¥2.8B | 11.3% | 16.0% | - | 38.4 | 16 |
| Industry total / average | ¥158.1B | +19.2% | ¥31.5B | 20.0% | 100% | ¥9.10M | 36.7 | 2,317 |
Revenue and operating profit are from each company's latest full-year results. Green margins are at or above the industry margin. Financial institutions may not report operating profit.
