Investor Presentaiton
SMCC
Financial results
Key figures
(JPY tn)
20
20
Sales handled
YoY
-O-YoY (industry)
M
FY3/19 FY3/20 FY3/21 FY3/22
(mn)
20% 60
10% 50
0% 40
-10% 0
# of card holders
Mar.19 Mar.20 Mar. 21 Mar.22
FY3/21
FY3/22
YOY
(JPY bn)
Operating revenue
447.5
470.5
+23.1
30
o/w Commission fee
143.7
164.0
+20.3
Finance
101.5
98.2
(3.3)
Sales on credit
32.3
29.5
(2.9)
10
Receipt agency
48.1
50.1
+2.0
0
Operating expense
413.0
439.5
+26.5
o/w Expenses for
22.7
25.6
+2.9
loan losses
Expense for
14.4
10.0
interest repayments
(4.4)
Ordinary profit (loss)
35.3
34.1
(1.1)
Net income
35.8
19.8
(16.0)
Finance outstanding
667.5
677.9
Market share "2
Issuing
*1 The Japan Consumer Credit Association "Credit card behavior investigation" Shopping credit amount
*2 METI "Indices of Tertiary Industry Activity" Sales credit business handled (2021 : JPY 68 tn)
Acquiring
12%
25%
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