PayPay Corp Form 6-K — Nov 3, 2026
PayPay Corporation reported Q2 FY2026 (ended September 30, 2026) revenue of ¥118.1 billion, up 28% year-on-year, with the Financial Service segment outpacing at 38% growth. Adjusted EBITDA jumped 55% to ¥42.1 billion with margin expanding 6 points to 36%, exceeding guidance. Reported profit of ¥18.4 billion fell 75% year-on-year, but this reflects a one-time ¥57.5 billion deferred tax benefit in the prior-year quarter; excluding it, profit grew year-on-year. Payment GMV rose 20% to ¥5.56 trillion on 42.22 million monthly transacting users (+9%), and take rate improved to 1.74%.
Key figures
- Eps
- ¥25.56 basic / ¥25.42 diluted (Q2); ¥52.77 basic / ¥52.44 diluted (six months)
- Revenue
- ¥118.1 billion (Q2 FY2026, +28% YoY)
- Guidance
- FY ending March 31, 2027 raised: Total Revenue ¥474-478 billion, Adjusted EBITDA ¥159-163 billion; Q3 guidance ¥121-123 billion revenue, ¥41.5-43.5 billion Adjusted EBITDA
- Net Income
- ¥18.4 billion Q2 profit (down 75% YoY due to prior-year one-time ¥57.5 billion deferred tax benefit)
- Revenue Yoy
- 28
- Mtu
- 42.22 million (+9% YoY)
- Gmv q2
- ¥5.56 trillion (+20% YoY)
- Take rate
- 1.74% (+0.1pp YoY)
- Total assets
- ¥5,730,161 million
- Bank deposits
- ¥2.4 trillion (+16% YoY)
- Loan balances
- ¥1.4 trillion (+37% YoY)
- Adjusted ebitda q2
- ¥42.1 billion (+55% YoY)
- Adjusted ebitda margin q2
- 36%
- Cash and cash equivalents
- ¥570,085 million
- Financial service revenue growth
- 38
AI analysis
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