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PayPay Corporation reported higher revenue and profit for the three months ended June 30, 2026. Total revenue rose to 109,788 million yen from 86,154 million yen a year earlier, supported by growth in transaction and service income and interest income. Operating profit increased from 15,964 million yen to 29,865 million yen, while profit attributable to owners rose from 10,511 million yen to 18,428 million yen. Basic earnings per share improved from 16.66 yen to 27.21 yen. Both the Payment and Financial service segments expanded revenue and segment profit.
Total assets reached 5,493,719 million yen with cash and cash equivalents of 491,087 million yen, deposits of 3,112,287 million yen and borrowings of 757,093 million yen as of June 30, 2026. Net cash from operating activities shifted to an outflow of 54,252 million yen, while financing cash inflows remained sizeable. Strategically, PayPay agreed to acquire 70.2% of T&D Financial Life Insurance Company for approximately 132 billion yen, aiming to add life insurance services, subject to regulatory approvals and other conditions. It also entered a capital and business alliance with Seven & i Holdings, under which PayPay plans to purchase 48,309,178 Seven & i shares for 100 billion yen at 2,070 yen per share and expects Securities on its balance sheet to increase by 100 billion yen as the partnership deepens around IDs, PayPay Points and data utilization.
PayPay Corporation announced a mid- to long-term strategic Alliance with Seven & i Holdings, SEVEN-ELEVEN JAPAN, SoftBank and LY to link its digital financial platform with Seven & i’s offline retail network. PayPay cites a base of more than 75 million registered users, while Seven & i operates over 20,000 Japanese stores and about 20 million daily customer touchpoints.
Under the Business Alliance, the parties plan to integrate 7iD into the PayPay ID platform, replace Seven Miles with PayPay Points as Store Points at Seven-Eleven and related channels, and have PayPay develop and enhance the SEVEN-ELEVEN JAPAN app with PayPay ID login, points and promotions. Joint initiatives include product-specific coupons, reward campaigns, traffic referral via the PayPay app and expanded data-driven promotions and CRM, subject to legal compliance and customer consent.
Through a Capital Alliance, PayPay will subscribe via a Treasury Share Disposal for 48,309,178 Seven & i shares (2.13% of issued shares) at JPY 2,070 per share, for a total of JPY 99,999,998,460, with SoftBank acquiring an identical stake on the same terms. Payment is scheduled for August 17, 2026, subject to customary conditions including an effective registration statement, and PayPay intends to hold the shares long term under agreed transfer restrictions. The board approved and the Alliance agreements were executed on July 31, 2026. The company states that the impact on results for the fiscal year ending March 2027 has not yet been determined.
PayPay Corporation reported a strong quarter for the three months ended June 30, 2026. Total Revenue rose 27% year-on-year to ¥109.8 billion, while profit for the period increased 83% to ¥19.7 billion. Adjusted EBITDA grew 59% to ¥37.4 billion, lifting the Adjusted EBITDA margin to 34%.
In the Payment segment, revenue reached ¥88.6 billion, up 25%, with GMV of ¥5.39 trillion and PayPay MTU of 41.7 million, a 10% increase. The Financial Service segment generated ¥22.5 billion in revenue, up 44%, supported by PayPay Bank deposits of ¥2.3 trillion and loans of ¥1.3 trillion, plus a 65% gain in income from financial instruments.
eKYC-verified users reached 42.5 million, helped by revised point reward programs that improved June profitability by ¥1 billion. PayPay also announced a planned acquisition of a 70.2% stake in T&D Financial Life Insurance Company, targeting the ¥45 trillion Japanese life insurance market. On this backdrop, it raised guidance for the year ending March 31, 2027 to ¥465–¥473 billion in Total Revenue and ¥149–¥155 billion in Adjusted EBITDA and provided Q2 guidance.
PayPay Corporation files its annual report detailing rapid expansion of its Japanese cashless and digital finance platform. The company recently turned profitable, with profit of ¥39.2 billion in the year ended March 31, 2025 and ¥117.8 billion in 2026, after years of losses driven by heavy user and merchant acquisition spending.
PayPay’s ecosystem now includes the PayPay app, PayPay Card, PayPay Bank and PayPay Securities, serving about 73 million registered app users as of March 31, 2026 and 676,955,535 common shares outstanding. Growth depends on increasing transaction volume and monetization, particularly credit-based services such as PayPay Credit, which generated 24.0% of Total GMV in 2026, while managing rising credit, funding and interest-rate risks.
The report highlights extensive risk factors: intense competition in Japanese payments and online finance, reliance on merchant and user incentives, integration challenges at PayPay Bank and PayPay Securities, planned acquisition of a controlling stake in T&D Financial Life Insurance Company, alliances with SoftBank Group companies, a leveraged balance sheet, and regulatory and technology risks, including cybersecurity, data protection and potential disruption from a future digital yen.
PayPay Corporation reported the results of its Annual General Meeting of Shareholders held on June 29, 2026, where shareholders voted on the election of five directors (excluding Audit and Supervisory Committee Members). All five nominees were elected with overwhelming support, each receiving around 99% approval of votes cast.
Ichiro Nakayama received 6,336,227 votes for and an approval ratio of 99.47%, while Takeshi Idezawa received 6,320,711 votes for with 99.23% approval. Yoshimitsu Goto, Junichi Miyakawa, and Fumiya Takasu each received over 6.32 million votes for and approval ratios of 99.29%. The resolution required attendance by holders of at least one-third of voting rights and a majority of votes in favor, conditions that were satisfied.
PayPay Corp director Takasu Fumiya has filed an initial Form 3, which is a required statement of beneficial ownership for new insiders. The filing does not list any common stock or derivative holdings and reports no buy, sell, gift, or option exercise transactions. It simply establishes Takasu Fumiya as a reporting person for future insider activity disclosures.
PayPay Corp officer Kagechika Wataru exercised stock options to acquire 3,400 Common Shares on June 10, 2026 at an exercise price of $8.11 per share. Following the exercise, he held 10,278 Common Shares directly. Each option is exercisable for 200 Common Shares, which are represented by American Depositary Shares on a one-for-one basis.
PayPay Corp officer Yasuda Masamichi exercised stock options to acquire 4,800 Common Shares on June 9, 2026 at an exercise price of $8.11 per share. These Common Shares are represented by American Depositary Shares on a one-for-one basis.
Following the transaction, he directly holds 14,400 Common Shares. A related derivative entry shows 24 stock options outstanding after the exercise, with each option exercisable for 200 Common Shares, totaling 4,800 underlying shares, and expiring on March 31, 2033.
PayPay Corp director and officer Nakayama Ichiro exercised stock options to acquire 2,600 Common Shares at $8.11 per share on June 9, 2026. The Common Shares are represented by American Depositary Shares on a one-for-one basis. Following the transaction, he directly holds 57,078.4 Common Shares.
The exercise related to 13 Stock Options, each exercisable for 200 Common Shares. After this event, 190 options remain outstanding, each with an exercise price of JPY 1,300 per Common Share, expiring on March 31, 2033 and vesting in two equal installments on April 1, 2027 and April 1, 2028. No shares were sold in this filing.
PayPay Corp director Nakayama Ichiro exercised stock options to acquire 54,400 Common Shares on June 8, 2026. The options were exercised at an effective dollar exercise price of $8.11 per Common Share, based on a JPY 1,300 strike converted at an exchange rate of JPY 160.2600 = US$1.00.
Following the transactions, Nakayama directly holds 54,478 Common Shares. The Common Shares are represented by American Depositary Shares on a one-for-one basis. After the exercise, 203 stock options remain outstanding, with 13 already vested and 190 scheduled to vest in two equal annual installments on April 1, 2027 and April 1, 2028, each option exercisable for 200 Common Shares.