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Overview

Information & Communication

GMO Financial Gate,Inc.

GMO Financial Gate provides face-to-face (in-store) cashless payment services in Japan, offering multi-function payment terminals, embedded payment solutions for vending machines and automated kiosks, and a secure payment processing center infrastructure compliant with PCI DSS. The company serves retail, food service, hospitality, and transportation sectors through its 'stera' payment platform, enabling merchants to accept credit cards, electronic money, and various other payment methods from a single terminal. As a consolidated subsidiary of GMO Payment Gateway, it generates recurring revenues through fixed monthly fees (Stock), transaction-based processing fees (Fee), merchant commission spreads (Spread), and one-time initial revenues from terminal sales and system development.

Market Cap

¥53.3B

US$340M

¥52.8B

US$337M

Stock¥6,450▼-1.83%

US$1 = ¥156.80 (2026-10-23)

LTM EV/EBITDA

15.6

LTM EV/EBIT

19.8

LTM PER

29.9

LTM PBR

7.7

Stock vs TOPIX (1Y, base=100)vs TOPIX ▼-17.8%pt

Oct 24, 25 – Oct 23, 26StockTOPIX

MC → EV Bridge

AI Briefing

Generating insights…

Performance & Balance

Revenue 5Y (¥B)

EBITDA 5Y (¥B)

Net Income 5Y (¥B)

Capital Structure

60%

40%

EquityD/E 0.65xDebt

Liquidity vs Debt 5Y (¥B)▲ Net Cash

CashInv. Sec.Debt

Shareholders

Top 10 hold 79.1%

as of 2026-03-31 · Source: Annual Securities Report

GMO Payment Gateway,Inc.

56.97%

The Master Trust Bank of Japan, Ltd. (Trust Account)

6.50%

JP MORGAN CHASE BANK 385839

3.84%

Custody Bank of Japan, Ltd. (Trust Account)

3.22%

Keisuke TOYAYAMA

2.61%

THE BANK OF NEW YORK 133652 (Standing Proxy: Mizuho Bank, Ltd.)

2.10%

Akira TAKANO

1.20%

GOLDMAN SACHS INTERNATIONAL (Standing Proxy: Goldman Sachs Japan Co., Ltd.)

0.98%

CEP LUX-ORBIS SICAV (Standing Proxy: Citibank, N.A.)

0.88%

JP JPMSE LUX RE NOMURA INT PLC 1 EQ CO (Standing Proxy: MUFG Bank, Ltd.)

0.85%

Management

9 officers

Kentaro SUGIYAMA

Representative Director, President

Apr 2001 Joined NIUS Co., Ltd. (now LAC Co., Ltd.) Nov 2007 Joined IBM Japan, Ltd. Jun 2013 General Manager, First Service Department, First Financial Industry Banking, IBM Japan, Ltd. Jun 2014 Joined GMO Payment Gateway, Inc. Dec 2014 Managing Director, GMO Epsilon Inc. May 2017 Senior Executive Officer, General Manager, Business Planning and Development Department, the Company Dec 2017 Representative Director, President, the Company (current)

1979-01-29

Akio AOYAMA

Director, General Manager, Solution Partner Division

Apr 1997 Joined IBM Japan, Ltd. Apr 2015 General Manager, First Sales Department, Financial First Business Division, IBM Japan, Ltd. Jan 2017 General Manager, Sales Department, Solution Promotion Department, Financial First Business Division, IBM Japan, Ltd. Jan 2018 General Manager, Sales Department, Business Strategy Development Department, Financial First Business Division, IBM Japan, Ltd. Apr 2018 Senior Executive Officer, General Manager, Sales Department, the Company Dec 2018 Director, General Manager, Sales Department, the Company Aug 2019 Representative Director, President, GMO Data Co., Ltd. (current) Jan 2021 Director, General Manager, Sales Division, the Company Oct 2023 Director, General Manager, Solution Partner Division, the Company (current)

1972-07-19

Tomohisa FUKUDA

Director, General Manager, IT Platform Division

Apr 2000 Joined IBM Japan, Ltd. Jan 2013 General Manager, Third Service Department, First Service Department, Financial Industry Banking, IBM Japan, Ltd. Jul 2015 General Manager, First Service Department, Financial Industry Banking, IBM Japan, Ltd. Jan 2018 General Manager, Financial Services Insurance PS Delivery Department, IBM Japan, Ltd. Sep 2019 Joined the Company Sep 2019 Director, GMO Data Co., Ltd. (seconded, current) Dec 2020 Director, the Company Jan 2021 Director, General Manager, Systems Division and General Manager, Systems Business Department, the Company Oct 2021 Director, General Manager, Systems Division, the Company Oct 2023 Director, General Manager, IT Platform Division, the Company (current)

1977-12-06

Takeki TAMAI

Director, General Manager, Corporate Support Division

Apr 1990 Joined Sumitomo Bank, Ltd. (now Sumitomo Mitsui Banking Corporation) Sep 2003 Joined Elk Corporation (now Canon Medtech Supply Inc.) Jul 2016 Joined En Japan Inc. (now En Corporation) Apr 2017 Executive Officer, General Manager, Administration Division, En Japan Inc. Aug 2021 Joined the Company Oct 2021 Executive Officer, General Manager, Administration Department, the Company Oct 2022 Senior Executive Officer, General Manager, Administration Division, the Company Dec 2022 Director, General Manager, Administration Division, the Company Dec 2022 Director, GMO Card System Co., Ltd. (current) Oct 2023 Director, General Manager, Corporate Support Division, the Company (current)

1966-10-25

Tatsuya KOIDE

Director

Apr 1986 Joined IBM Japan, Ltd. Jan 2021 Managing Director, Executive Officer, Global Sales Business Division, IBM Japan, Ltd. Sep 2021 Senior Executive Officer, Innovation Partners Division, GMO Payment Gateway, Inc. Dec 2021 Director, the Company (current) Dec 2021 Senior Managing Executive Officer, General Manager, Innovation Partners Division, GMO Payment Gateway, Inc. Apr 2024 Senior Managing Executive Officer, General Manager, Industry Solutions Division, GMO Payment Gateway, Inc. (current)

1963-05-12

Nao SHIMAMURA

Director, Audit and Supervisory Committee Member

Sep 2007 Registered as attorney-at-law (Second Tokyo Bar Association); joined Asahi Law Offices Jan 2009 Special Commissioned Member, Judicial System Research Committee, Japan Federation of Bar Associations Apr 2010 Member, Judicial System Research Committee, Second Tokyo Bar Association Jan 2014 Partner Attorney, Asahi Law Offices (current) Apr 2017 Vice Chair (Chair, Civil Law Subcommittee), Judicial System Research Committee, Second Tokyo Bar Association Sep 2019 Director, the Company Dec 2023 Outside Director, Audit and Supervisory Committee Member, the Company (current)

1978-11-26

Rie ASAYAMA

Director, Audit and Supervisory Committee Member

Apr 1987 Joined Sumitomo Bank, Ltd. (now Sumitomo Mitsui Banking Corporation) Apr 2008 General Manager, Diversity Promotion Office, Human Resources Department, Sumitomo Mitsui Banking Corporation Apr 2013 General Manager, Denenchofu Block, Sumitomo Mitsui Banking Corporation Apr 2014 General Manager, Quality Control Department, Sumitomo Mitsui Banking Corporation and Sumitomo Mitsui Financial Group, Inc. Apr 2015 Executive Officer, General Manager, Quality Control Department, Sumitomo Mitsui Banking Corporation and Sumitomo Mitsui Financial Group, Inc. Apr 2018 Deputy Executive Officer, Retail Division, and Deputy Responsible Officer, Quality Control Department, Sumitomo Mitsui Banking Corporation and Sumitomo Mitsui Financial Group, Inc. Jun 2021 Vice President and Director, SMBC Operation Service Co., Ltd. (current) Dec 2021 Director, the Company Jun 2022 Director, Audit and Supervisory Committee Member, The Miyazaki Bank, Ltd. (current) Dec 2023 Outside Director, Audit and Supervisory Committee Member, the Company (current)

1963-08-11

Kokichi NAGASAWA

Director, Audit and Supervisory Committee Member

Apr 1978 Joined IBM Japan, Ltd. Jan 1994 General Manager, Service Industry Sixth Sales Department, IBM Japan, Ltd. Jan 1995 General Manager, Financial Seventh Sales Department, IBM Japan, Ltd. Apr 2003 General Manager, Sales Development Division, IBM Japan, Ltd. Jan 2004 General Manager, Distribution Software Division, IBM Japan, Ltd. Jan 2005 General Manager, Distribution Systems Products Division, IBM Japan, Ltd. Jan 2006 General Manager, First Distribution Division, IBM Japan, Ltd. Jan 2009 General Manager, Distribution Systems Products Division, IBM Japan, Ltd. Apr 2013 Director, General Manager, Insurance Division, IRAS Co., Ltd. Dec 2016 Audit & Supervisory Board Member, the Company Aug 2019 Audit & Supervisory Board Member, GMO Data Co., Ltd. (current) Dec 2023 Outside Director, Audit and Supervisory Committee Member, the Company (current)

1953-12-05

Satoshi OZAWA

Director, Audit and Supervisory Committee Member

Apr 1970 Joined IBM Japan, Ltd. Jul 1989 Branch Manager, Major Bank Sales Office, IBM Japan, Ltd. Jan 1992 General Manager, Sales Department, seconded to SRA Inc. Jul 1997 General Manager, Japanese Corporate Accounts, seconded to IBM United Kingdom Ltd. Feb 2000 Director, Business Promotion, seconded to Japan IBM Solution Services Ltd. May 2001 Representative Director, President, Japan IBM Solution Services Ltd. Mar 2004 Representative Director, President, D&I Information Systems Co., Ltd. Jan 2007 Representative Director, Executive Vice President, MLI Systems Co., Ltd. Dec 2016 Audit & Supervisory Board Member, the Company Dec 2023 Outside Director, Audit and Supervisory Committee Member, the Company (current)

1947-01-05

Large Shareholding Reports

Artisan Investments GP LLC

2026-09-25

5.50%→3.28%

Asset Management One Co., Ltd.

2026-05-12

5.72%→4.25%

Artisan Investments GP LLC

2026-03-23

5.50%

Asset Management One Co., Ltd.

2025-09-05

4.32%→5.72%

Asset Management One Co., Ltd.

2025-08-22

4.32%

Disclosures

No disclosures

Primary Source Filings

EDINET

2026-09-25

Large Shareholding Report

GMO Financial Gate,Inc.

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GMO Financial Gate,Inc.

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