Frequently Asked Questions

Consolidation (IFRS basis)
Sales revenue 63,119 million yen (+25.5%)
operating profit 20,312 million yen (+25.0%)
Profit before income taxes 20,636 million yen (-40.6%)
Net income: 13,822 million yen (-43.3%)
Profit attributable to owners of the parent 13,475 million yen (-44.2%)
(% is the percentage change compared to the previous fiscal year)

Consolidation (IFRS basis)
Sales revenue 73,286 million yen (+16.1%)
operating profit 25,000 yen (+23.1%)
Profit before income taxes 23,904 million yen (+15.8%)
Net income: 15,961 million yen (+15.5%)
Profit attributable to owners of the parent 15,523 million yen (+15.2%)
(% is the percentage change compared to the previous fiscal year)

• By promoting business from a medium- to long-term perspective profit growth
• Establishment of dividend payout ratio targets as a profit distribution measure
• Appropriate IR Activities

We will continue to make efforts to improve our corporate value.

With regard to the dividend for the fiscal year ending September 2024, we expect a dividend of ¥103 per share, which will contribute to the enhancement of corporate value over the medium to long term by further strengthening shareholder returns by continuing to increase the consolidated dividend since the start of the dividend based on the strong business plan.

The Company recognizes that lowering investment units is one of the effective measures to increase the liquidity of stocks and create an environment in which it is easier for more investors to invest. The specific measures and timing have not yet been decided, but we will continue to consider them in a comprehensive manner, taking into account changes in the stock price level of the Company's shares, supply and demand conditions, changes in the composition of shareholders, and other circumstances, as well as the advantages and disadvantages for the Company's shareholders.

At the end of March 2024, there were 153,336 stores in operating merchants.

* Excludes specific projects and the number of fincode byGMO stores. At the same time that this deal was included, the number of operating merchants was 634,831

We provide services based on payment that support online, cashless, DX, etc. The annual Transaction value exceeds 16 trillion yen, and Online Payment Service has been introduced to more than 150,000 merchants, including e-commerce businesses and public entity such as NHK and National Tax Agency. (Consolidated figures as of the end of March 2024)
As a leading company in the payment industry, we provide payment services in the Online Payment Service and face-to-face areas, buy now pay later BNPL (Buy Now Pay Later), financial institution BaaS Support to operating companies, strategic investment and financing to overseas advanced FinTech companies, etc., payment & finance We will drive social innovation through technology and contribute to the realization of a sustainable society and the progress and development of society.

In payment processing services, we have built a "stock and transaction" revenue business model by receiving usage fees from the participating merchants.

payment processing services payment "Initial (initial revenue)" as a new introduction cost such as terminal price, "Stock (fixed cost sales)" as expenses such as monthly management and operation, and "Fee (processing fee sales)" according to the number of processing items and "Spread (merchant sales)" according to the processing amount as payment processing costs will be received from the introducing merchant. On top of the stable stock-type revenue of "stock (fixed cost sales)", it is a business model in which transactional revenue of "fee (processing fee sales)" and "spread (merchant sales)" accumulate in a pay-as-you-go manner.

In addition, we are accumulating a variety of data through the expansion of payment processing services, and creating new value-added services by utilizing and analyzing it. We aim to establish an ecosystem (reflux model) that can be said to be an ecosystem of businesses and services that will bring revenue to our consolidated companies and return to the expansion of our core business, payment processing services.

In the second quarter of the fiscal year ending September 2024 (January ~ March 2024), Transaction volume (consolidated) was approximately 1.77 billion and Transaction value (consolidated) was approximately 4.6 trillion yen ^*.

（※） Excluding GMO Financial Gate, Transaction volume has about 1.55 billion and Transaction value has about 3.0 trillion yen.

Spread (merchant sales) is the sales of "Representative Contract" that we provide to businesses by comprehensively providing merchant contract with credit card companies.
When the Company collectively deposits the sales proceeds of merchants deposited from the credit card company to the Company, the spread of sales (commission on the sales price) obtained as a comprehensive fee is the merchant sales. In addition, we have adopted online accounting for the recording of sales.

The online payment service is used by a wide range of customers, including public entity, mainly e-commerce businesses in the product and non-product sales areas. In addition, in addition to developing payment services for stores in the face-to-face area, we also provide BaaS Support services mainly to financial institution and operating companies.
Please refer to the following case studies for your reference.

As a leading company in the payment industry, we are constantly striving to develop and expand new business areas, such as Online Payment Service, face-to-face payment services, buy now pay later and BNPL (Buy Now Pay Later), financial institution and BaaS Support to operating companies, and strategic investment and financing to overseas cutting-edge FinTech companies.

In addition, with the aim of becoming a company that can continue to operate at profit growth least 25% over the medium to long term, we are making upfront investments in new businesses, appointing excellent human resources, strengthening the infrastructure of the payment network, and further strengthening security.

We are promoting business activities that support online, cashless, paperless, DX, finance inclusion, etc. By solving social issues through these business activities, we will contribute to sustainable social development and sustainably increase our corporate value.

Our main business, online payment services, account for about 85% gross profit margin. The gross margin of sales of value-added services varies from service to service, but the gross margin is lower than that of payment services.

According to the consolidated statements of financial position as of the end of March 2024, 24,340 million yen in borrowings were recorded in current liabilities, 19,806 million yen in corporate bonds (zero-coupon convertible bonds) and 9,185 million yen in non-current liabilities.

We place emphasis on a 25% operating profit growth as a management indicator.

* Regarding the target management indicators, from the fiscal year ended September 29, we have changed the current profit growth rate from the previous OP growth with the aim of appropriately managing the original business return in line with the expansion of group companies.

Since we are mainly engaged in the business of payment processing services credit cards, we manage important information such as credit card information.

In order to prevent information leakage, as part of our efforts to strengthen our risk management system, we are the first listed payment processing services company to obtain certification of conformity with ISO/IEC 27001:2013 (JIS Q 27001:2014), which is a global standard for information security management, for all of our consolidated company group offices. As a result, the information security management systems of our consolidated companies have been objectively judged to be appropriate and safe in accordance with strict international standards. In addition, PCI DSS, a global security standard for the credit card industry jointly formulated by five international credit card brands, JCB, American Express, Discover, MasterCard, and VISA, was first certified in December 2008, and has been conducting annual recertification audits every year. We obtained the latest certification in December 2022.

Regarding the handling of personal information, we have acquired the Privacy Mark that certifies businesses that have established a system to take appropriate protection measures for personal information in accordance with the Japan Industrial Standard "JIS Q 15001: 2017 Personal Information Protection Management System - Requirements", and in addition to compliance with the law, We have established and operate a high-level personal information protection management system on our own initiative.

OUR MAIN GROUP COMPANIES INCLUDE CONSOLIDATED subsidiary OF GMO Epsilon, Inc. GMO Payment Service, Inc. GMO Financial Gate, Inc. GMO-Z.COM PAYMENT GATEWAY PTE. LTD.

• GMO Epsilon, Inc. offers all the payment method used for online shopping at a low price so that everyone can easily do business online. GMO Epsilon, Inc.
• GMO Payment Service, Inc. offers "GMO Payment After Delivery" that can be payment from convenience stores, post offices, and banks after the product arrives. GMO Payment Service, Inc.
• GMO Financial Gate, Inc. provides Credit card payment-centered payment processing services to face-to-face stores. GMO Financial Gate, Inc.
• GMO-Z.COM PAYMENT GATEWAY PTE. LTD. has become a headquarters for overseas expansion in Singapore, providing overseas payment processing services "Z.com Payment" and strategically investing in and financing cutting-edge FinTech companies. GMO-Z.COM PAYMENT GATEWAY PTE. LTD.

In conducting our business activities, we are required to notify our parent company, GMO Internet Group, Inc., in advance only for "important resolutions," but we make our own decisions on all operations, including sales activities in each business, and develop our business. In addition, we recognize that the concurrent duties of directors from the GMO Internet Group do not interfere with our own management decisions, and that the independence of management is ensured.
When the Company's consolidated companies conduct transactions with a corporate group such as the parent company, the Company carefully examines the appropriateness of the terms and conditions of the transactions, including when commencing new transactions and continuing existing transactions, from the perspective of protecting minority shareholders, by comparing them with the terms and conditions of transactions with other third parties. Specifically, the Company regularly comprehensively compares the terms and conditions of transactions with third parties and reports to the Board of Directors, which also participates in External Director, which is independent of the parent company, etc., that the terms are appropriate.
Important transactions and actions that conflict with the interests of the controlling shareholder and minority shareholders are discussed and examined by a special committee composed of independent persons, including independent External Director, and then reported to the Board of Directors for decision.

For details, please refer to "Annual Securities Report for the Fiscal Year Ended September 2023, 2nd Business Status 3 Business Risks."

Our consolidated companies will management principles "Pursue the spiritual and physical enrichment of our comrades by contributing to the progress and development of society," and we will build a governance system that can effectively and efficiently achieve this goal. The Company has established the "Code of Conduct for Officers and Employees" to share the Group's philosophy and basic approach to compliance, the "Affiliated Company Regulations" to stipulate management policies and management systems for Group companies, and has established various rules and regulations to be complied with by Group companies and their officers and employees, thereby strengthening the governance of the Company's consolidated companies as a whole.

On December 19, 2021, the Company transitioned to a company with an Audit and Supervisory Committee, and is working to strengthen its Corporate Governance system by strengthening the monitoring and supervisory functions of the Board of Directors, prompt decision-making through delegation of authority, and improving the fairness, transparency, and efficiency of management through the execution of business.

For details, please refer to "Annual Securities Report for the Fiscal Year Ended September 2023" 4 Status of Submitting Companies 4 Corporate Governance, etc.

On April 4, 2022, due to a market change, the company was listed on the Prime Market of the Tokyo Stock Exchange.

The company's securities code is 3769.

On April 4, 2005, the company was listed on the Mothers Market of the Tokyo Stock Exchange. At that time, the number of issued shares was 18,975.2 shares, the public offering price was 800,000 yen, and the initial price was 4.5 million yen.
The Company has entered into a stock split of 4 shares per share on November 18, 2005, 200 shares per share on July 1, 2012, 2 shares per share on October 1, 2014, and 2 shares per share on October 1, 2018.

100 shares.

As of March 31, 2024, there are 76,557,545 shares.

The Company's fiscal year ends at the end of September every year.

See IR Calendar for more information.

The Company's financial results briefings are aimed at securities analysts, members of the media, and others who are in a position to widely disseminate information to shareholders and investors, and individuals are not invited due to the venue's availability. Thank you for your understanding. The materials used in the financial results briefing will be posted on the Company's website. In principle, briefings for individual investors are planned to be held every six months. As soon as it is decided, we will inform you on our website and e-mail magazine.

企業価値創造戦略統括本部　IR部（電子メール：ir@gmo-pg.com）までお問合せください。

The quiet period is a unique rule of the Company to prevent the leakage of information on financial results that may affect the stock price while preparing financial results announcement materials. We have a quiet period from 3 weeks prior to the quarterly performance disclosure.

We're here to answer your questions. However, we would like to refrain from making any comments about unannounced financial results, business performance, forecasts, or forecasts.