PayPay Corporation is a leading Japanese financial technology firm that delivers a comprehensive digital finance platform. This platform offers a wide array ...
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Est. EPS $0.21 · Revenue $781.00M · 4 analysts
Est. EPS $0.20 · Revenue $803.84M · 1 analysts
Est. EPS $0.80 · Revenue $3.04B · 7 analysts
Est. EPS $0.26 · Revenue $856.08M · 1 analysts
EPS ¥27.21 · Revenue ¥105.11B
EPS ¥188.54 · Revenue ¥403.62B
EPS ¥29.80 · Revenue ¥96.66B
EPS ¥0.00 · Revenue ¥89.97B
EPS ¥15.72 · Revenue ¥82.25B
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $403.6B | +38.2% | +1.0% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $122.0B | +237.2% | +33.9% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +50.6% | -41.0% | +68.3% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +21.0% | +73.0% | +50.9% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +30.2% | +144.0% | +32.6% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $287.5B | +114.9% | +39.2% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +71.2% | +55.5% | +39.8% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 145.7% | -64.6% | +27.1% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 8.67x | +1570.4% | -66.7% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $5198.5B | +28.6% | +5.7% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 188.54 vs 0.97 | +19348.9% | 27.21 vs 0.21 | +12610.2% |
| Revenue Surprise | $403.6B vs $2.5B | +15918.0% | $105.1B vs $781.0M | +13357.7% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Jun 29, 2026 | Takasu Fumiya | — | — | — | 0 | — |
| Jun 10, 2026 | Kagechika Wataru | officer: See Remarks | Common Shares | A | 3,400 | $8.11 |
| Jun 10, 2026 | Kagechika Wataru | officer: See Remarks | Stock Options (Right to Buy) | D | 17 | $8.11 |
| Jun 9, 2026 | Yasuda Masamichi | officer: See Remarks | Common Shares | A | 4,800 | $8.11 |
| Jun 9, 2026 | Yasuda Masamichi | officer: See Remarks | Stock Options (Right to Buy) | D | 24 | $8.11 |
Kotaro Emae: Good morning, and good evening, everyone, and welcome to PayPay's earnings call for the first quarter of fiscal 2026. I'm Kotaro Emae, Head of Investor Relations. Joining me on today's call are Nakayama-san, our President and CEO; Kagechika-san, our CFO; and Motoda-san, Head of Finance and Corporate Strategy. As a reminder, today's call is being broadcast live, and a replay will be available on our website at a later date. Before we begin, please note that today's discussion includes forward-looking statements, non-IFRS financial measures and unaudited financial data. Actual results may differ materially from our expectations. For more details, including risk factors and non-IFRS reconciliations of non-IFRS measures to the most directly comparable IFRS measures, please carefully review the disclaimer on Page 2 of our presentation. We ask for your understanding of these terms as we proceed. With that, I will now turn the call over to Nakayama-san. Ichiro Nakayama: Hello, everyone. This is Nakayama speaking. So before we begin the presentation, I would like to say a few words in Japanese. Before we begin today's presentation, I'd like to express my deepest sympathies to everyone affected by the recent earthquake in Kumamoto. We sincerely pray for your safety and a swift recovery and reconstruction of the affected areas. So let's start. Now let me turn to our financial results. Following a strong finish in Q4, we delivered another strong quarter in Q1. Total revenue increased 27% Y-o-Y, driven by continued growth in the Payment segment and even faster growth in the Financial Service segment. RLTC increased 26% Y-o-Y. The margin declined by 1% to 77%, mainly due to higher funding costs for bank deposits after policy rate increase. Adjusted EBITDA increased 59% Y-o-Y, and the margin expanded to 34% as both segments delivered operating leverage. Our Rule of X reached 61%, showing solid growth in both revenue and profitability. Today, we announced our capital and business alliance with Seven & i Holdings. I would now like to explain how these partnerships support our growth strategy. First of all, our vision remains clear to build one of the largest digital financial platform in Japan. We focus on two areas. The first is products and customer touch points. We started with payments and expanded into credit cards, banking and securities. In June, we announced the planned acquisition of shares in T&D Financial Life Insurance. This will add life insurance to our platform and help us meet needs such as protection, wealth building and asset succession. Our partnership with Seven & i will expand our reach further by connecting with users in their daily shopping. The second area is data. The more data we gather, the better we understand our users. The blue circles show static data such as user profiles and financial assets. The red circles show real-time data, such as payments and shopping activity. By combining them, we can better understand who …
| Name | Title | Gender | Year Born | Status |
|---|---|---|---|---|
Hirofumi Fujii | Corporate Officer, CMO, Head of the Mrkt Strategy Div & Business Operations Group | Male | — | Active |
Ichiro Nakayama | President, CEO, Corporate Officer & Representative Director | Male | 1969 | Active |
Masanori Sode | Managing Corporate Officer, Chief Administrative Officer & Chief Human Resource Officer | Male | 1963 | Active |
Yosuke Terada | CCO, CRO, DPO & Corporate Officer | Male | — | Active |
Kotaro Emae | Head of Investor Relations Department | — | — | Active |
Wataru Kagechika | Senior Managing Executive Officer & CFO | Male | 1974 | Active |
Masamichi Yasuda | Executive VP, Co-COO & Corporate Officer | Male | 1960 | Active |
Toshiki Motoda | Corporate Officer and Head of Finance & Accounting Divisions within the Corporate Strategy Group | Male | — | Active |
Hajime Baba | Executive VP, Co-COO & Corporate Officer | Male | 1965 | Active |
WithSecure Oyj (OTCMKTS:FSOYF - Get Free Report) and PayPay (NASDAQ: PAYP - Get Free Report) are both computer and technology companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, analyst recommendations, dividends, risk, valuation, earnings and institutional ownership. Analyst Recommendations This is a summary of
SoftBank Corp and mobile payments operator PayPay are in talks to invest in retail giant Seven & i Holdings , Bloomberg News reported on Friday.
PayPay is Japan's leading digital payment platform, with 41 million active KYC users and accelerating financial product adoption. PAYP's lending and deposit growth outpaces peers, driving interest revenue up 31.7% YoY and net lending profits up 48% YoY. Despite premium valuation (EV/Sales 5.76x), PAYP's superior growth, profitability, and expanding margins justify a Buy rating.
| Report Date | Employees | Form Type | Filing Date | SEC Filing |
|---|---|---|---|---|
| Mar 31, 2026 | 4,567 | 20-F | Jun 30, 2026 | View |
