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    Information Technology Services
SBI FinTech Solutions Co., Ltd.

SBI FinTech Solutions Co., Ltd.

950110.KQ
SBI FinTech Solutions Co., Ltd.KR flagKOSDAQ
4,930.00
KRW
+5.00
- -
113.20BMarket Cap
SBI FinTech Solutions Co., Ltd.
950110.KQ
(KOSDAQ)

Recent

price

4,930.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3,596.19
2,484.11
2,722.11
3,265.88
4,345.5
2,873.75
3,424.98
3,897
2,234.89
2,494.92
2,269.2
2,184.64
- -
1,978.92
Revenue per Share
450
70
114
203
197
353
414
404
345
-242
151
2
- -
8.59
Basic EPS, GAAP
183.68
-1,030.94
791.85
170.39
803.22
3,526.01
717.91
-3,010.97
-3,177.29
-5,082.73
-134.14
6,344.13
- -
-427.9
Free Cash Flow per Basic Share
- -
176.68
45.86
103.57
100.03
86.32
144.09
192.3
174.75
168.62
167.11
146.23
- -
- -
Dividend per Share
1,353.91
880.57
839.66
1,063.08
1,193.78
1,580.65
1,895.13
2,310.55
2,248.86
1,770.38
1,740.45
1,378.67
- -
1,575.75
Book Value per Share
2,123.86
1,430.19
1,258.47
1,241.19
1,387.6
770.6
1,214.33
1,378.97
865.77
677.82
206.94
-389.9
- -
-509.62
Tangible Book Value per Share
18
21
21
21
20
23
23
23
23
23
23
24
- -
23
Basic Weighted Avg Shares
63,824
53,060
58,335
68,959
85,693
65,802
78,810
89,763
51,438
57,542
52,180
52,026
46,217
45,814
Sales/Revenue/Turnover
19.2
5.01
5.21
6.73
6.76
15.8
18.66
14.54
4.42
6.82
8.6
0.57
-9.89
-10.02
Operating Margin (%)
890
851
987
1,231
1,261
2,706
2,348
7,293
7,041
7,397
6,021
6,594
8,936
8,936
Depreciation Expense
7,986
1,495
2,443
4,286
3,885
8,083
9,526
9,306
7,940
-5,581
3,472
48
198
199
Net Income, GAAP
38.95
46.96
35.74
8.1
32.62
27.04
39.26
30.91
42.18
195.21
18.78
- -
84.15
84.1
Effective Tax Rate (%)
12.51
2.82
4.19
6.22
4.53
12.28
12.09
10.37
15.44
-9.7
6.65
0.09
0.43
0.43
Profit Margin (%)
30,928
25,417
20,637
18,125
18,715
15,976
21,096
41,037
52,381
64,179
41,863
52,058
5,448
5,448
Working Capital
- -
- -
- -
4,509
3,772
17,177
12,107
37,779
71,846
107,382
80,161
88,477
34,321
34,321
LT Debt
39,304
32,342
29,515
30,007
30,903
25,729
38,452
46,991
45,914
47,779
47,088
39,582
42,618
42,618
Total Equity
- -
3.47
5.44
11.3
9.55
13.45
10.72
7.58
0.71
-1.39
1.17
- -
-0.39
-0.39
Return on Invested Capital (%)
- -
6.09
11.51
16.7
12.74
16.49
12.13
8.93
4.48
-2.46
1.49
- -
0.25
0.25
Return on Capital (%)
- -
6.98
13.28
21.2
16.89
27.06
23.88
19.22
15.13
-12.06
8.59
0.13
0.57
0.57
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'25
ST Debt
73,761
84,686
96,652
LT Borrowings
59,913
46,199
33,297
LT Finance Leases
- -
1,022
1,024
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
23
23
23
Market Capitalization
56,623
115,176
113,903

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'25
Total Current Assets
226,051
252,857
258,916
Cash, Cash Equivalents & STI
185,442
218,037
235,351
Accounts Receivable, Net
26,292
- -
1,237
Inventories
30
25
24
Total Current Liabilities
204,832
238,053
253,467
Payables & Accruals
- -
- -
- -
ST Debt
73,761
84,686
96,652
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.16%
-1.59%
7.67%
Free Cash Flow
-506.44%
-1,027.24%
-106.56%
Net Income, GAAP
6.03%
-25.87%
316.46%
Sales/Revenue/Turnover
0.13%
-10.32%
-11.17%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
13,111
12,423
13,678
13,074
52,180
2024
13,867
13,398
13,239
12,273
52,026
2025
12,056
11,340
10,636
11,783
46,217

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
24
1
78
- -
151
2024
38
31
30
- -
2
2025
13
-39
-22
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
158.33
14.84
-6.82
- -
167.11
2024
155.33
-0.84
1.86
- -
146.23
2025
- -
- -
- -
- -
- -
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Business
SBI FinTech Solutions Co., Ltd. provides comprehensive fintech solutions, including payment agency services, international remittance services, back-office support services, and account aggregation services primarily in Japan. The company offers online payment services through its subsidiary ZEUS Co., Ltd., encompassing payment gateway solutions for e-commerce operators with diverse payment methods on a one-stop basis, terminal payment services for stores and events, and BtoB credit card payment options such as BizkeSsai and B-Cart; back-office support services via subsidiary SBI Business Solutions Co., Ltd., featuring cloud-based expense settlement systems like KeihiBANK, electronic invoicing with SeikyuQUICK, workflow and attendance management, factoring services including NyukinQUICK at low rates of 0.5% or less, and AI-powered OCR service Lens; international remittance services through SBI Cosmoney leveraging global networks; general security services covering web vulnerability diagnosis, malware detection, and PCI DSS compliance; and financial solutions like online factoring and electronic invoice preservation. Founded in 2011 and headquartered in Tokyo at Aoyama First Building, the company operates as a subsidiary of SBI Holdings, Inc., targeting e-commerce operators, businesses, and individuals with a focus on secure, convenient fintech bridging traditional finance and customer needs; it changed its name from SBI AXES Co., Ltd. in July 2017. Recent developments include the launch of ZEUS's whitepaper on BtoB credit card payments in November 2025, SBI Business Solutions' rollout of AI-OCR service Lens in October 2025 and LINE WORKS integration Phase 2 for KeihiBANK in September 2025, seminars promoting NyukinQUICK factoring in November and October 2025, attendance at digitalization forums in April 2025, milestone of 6,000 SeikyuQUICK subscribers in July 2024, announcement of delisting from KOSDAQ in July 2025, and executive personnel changes in May 2025.