NISSAN FINANCIAL SERVICES CO.,LTD. (E03736) Stock Price

Nissan Financial Services is a comprehensive financial services company specializing in the automotive business of the Nissan Group. The company provides a wide range of services to meet diverse financial needs of customers, from the purchase of Nissan vehicles through all aspects of car ownership. Its core businesses include automotive purchase financing, car leasing, and car life support services such as insurance and maintenance.

The company's primary customers are Nissan-affiliated automobile dealers and their customers. Through close collaboration with the Nissan Group, it has established a stable revenue base. In its credit business, the company advances vehicle payments to dealers on behalf of customers and collects payments in installments, generating interest income. Additionally, inventory financing—purchasing accounts receivable from Nissan Motor to dealers—is an important revenue source.

The business is divided into three main segments. The credit business handles vehicle purchase financing for individuals and inventory financing for dealers. The leasing business provides car leasing services primarily for Nissan vehicles, serving individual and small business customers through Nissan dealers, and large corporate customers through direct sales. The car life business issues the "Nissan Card" and offers comprehensive services including auto insurance, maintenance packages, and extended warranties, maintaining long-term customer relationships beyond the initial vehicle purchase.

Nissan Financial Services is advancing its medium-term management strategy "OMOI-25," targeting fiscal year 2025, with the goal of contributing to sustainable growth across the Nissan Group by providing services tailored to individual customers. The company is built on three pillars: "cultivating loyal customers," "implementing trade cycle management," and "supporting dealer sales," aiming to deliver comprehensive car life support that extends beyond traditional financial services.

In priority investment areas, the company is focusing on building customer analysis systems powered by data utilization, establishing frameworks that enable service proposals matched to individual needs through centralized management and analysis of extensive customer information. On the product side, the company differentiates itself through innovative financial offerings including the residual value-based "Nissan Big Value Credit," the "Omatomé Plan" that consolidates monthly fees and miscellaneous charges, and "Hotto Plus" with license return debt waiver provisions—products designed to address an aging society.

In new market development, the company is actively expanding subscription-based services, recognizing the automotive industry's shift from "ownership to usage." Aligned with the spread of electric vehicles and advances in autonomous driving technology, the company is strengthening mechanisms to support timely vehicle upgrades to Nissan models equipped with advanced technology, aiming to establish a business model that manages customers' entire vehicle usage cycles.

In technological innovation, the company is expanding use of the online contracting service "Click Mobi" and implementing electronic contracts to improve both dealer operational efficiency and customer convenience. Additionally, the company is diversifying funding sources—utilizing a wide range of methods from bank loans to syndicated loans, bonds, and asset securitization—to secure stable funding and reduce interest rate risk, thereby strengthening its business foundation.