Worth reading
45Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Improvement
Direction inferred from the company’s description.Scale
11766
¥ millionWording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPNet Sales158,709¥ millionYear on year +15.0%Progress 53.3%
Ordinary income67,009¥ millionYear on year +21.3%Progress 58.0%
Net income attributable to owners of the parent46,681¥ millionYear on year +8.0%Progress 58.4%
The width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
Net income per share¥162.78
Financial position at period-end
Total assets9,345,541¥ million
of which net assets 885,499 ¥ millionEquity ratio 9.5%vs. prior year-end +0.3pt
塗りつぶした部分が自己資本比率です。総資産のうち、返済のいらない自前の資金がどれだけかを表します。The thin vertical line indicates the level at the end of the previous fiscal year.
Cash inflows and outflows
Operating-88,286
Investment+251,577
Financials-22,549
Net change+140,742
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ million).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Cash and cash equivalents at end of period¥1,303,831 million
Segment revenueBanking Net Sales ¥145,627 million / Year-on-year (%) ¥15.1 million / Leasing Net Sales ¥11,649 million / Year-on-year (%) ¥13.1 million
Segment profitBanking Segment profit ¥66,223 million / Year-on-year (%) ¥20.8 million / Leasing Segment profit ¥372 million / Year-on-year (%) ¥28.3 million
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥298,000 million (YoY +12.0%)
Operating profitNot disclosed
Ordinary income¥115,500 million (YoY +16.4%)
Net income¥80,000 million (YoY +7.7%)
Revision to Earnings ForecastOrdinary revenue Not disclosed → ¥115,500 million / Ordinary income Not disclosed → ¥115,500 million / Profit attributable to owners of the parent Not disclosed → ¥80,000 million / Notes There was a revision from the most recent forecast, but the figures before the revision are not stated in this earnings summary.
Annual Dividend Forecast¥60 → ¥80
Factors Behind Changes in Business Performance
Increase in funds investment income due to factors including higher domestic interest rates and an increase in outstanding loans, and increase in other ordinary income mainly due to an increase in gains on sales of shares. Increase in other operating expenses due to factors including an increase in losses on sales of Japanese government bonds and other bonds.
Disclosure regarding the going concern assumption
None. The note on the going concern assumption states, “There are no applicable matters.”
Change in accounting policy
基準改正に伴う変更 Noそれ以外の変更 No見積りの変更 No修正再表示 No
Changes in the scope of consolidationNew Not disclosed / Excluded Not disclosed / Company name Not disclosed / Summary No material changes were made to the scope of consolidation during the interim period.
Material subsequent eventsThe Company and The Ehime Bank,Ltd. entered into a basic agreement toward a management integration and are discussing and considering a share exchange targeted for 1 April 2027. This is subject to the necessary approvals and regulatory authorisations and may be changed in the future.
Impairment lossAmount ¥10 million / Subject assets Not disclosed
Breakdown of extraordinary income (loss)Extraordinary income Item Gain on disposal of fixed assets / Amount ¥13 million, Item Reversal of financial instruments transaction liability reserve / Amount ¥1 million / Extraordinary loss Item Loss on disposal of fixed assets / Amount ¥55 million, Item Impairment loss / Amount ¥10 million
Depreciation and amortization¥3,892 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingYes (for institutional investors)
Issued Shares at Period-End313,408,831
Treasury Shares at Period-End28,889,694
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 September 2026 |
| Net Sales | ¥158,709 million (YoY +15.0%) |
| Ordinary income | ¥67,009 million (YoY +21.3%) |
| Profit attributable to owners of the parent | ¥46,681 million (YoY +8.0%) |
| Net income per share | ¥162.78 |
| Equity ratio | End of the current fiscal period 9.5 / End of previous period 9.2 |
| Total assets | ¥9,345,541 million |
| Net assets | ¥885,499 million |
| Cash flows from operating activities | ¥-88,286 million |
| Cash flows from investing activities | ¥251,577 million |
| Cash flows from financing activities | ¥-22,549 million |
| Cash and cash equivalents at end of period | ¥1,303,831 million |
| Full-year earnings forecast | Net Sales ¥298,000 million (YoY +12.0%) / Operating profit Not disclosed / Ordinary income ¥115,500 million (YoY +16.4%) / Net income ¥80,000 million (YoY +7.7%) |
| Revision to Earnings Forecast | Ordinary revenue Not disclosed → ¥115,500 million / Ordinary income Not disclosed → ¥115,500 million / Profit attributable to owners of the parent Not disclosed → ¥80,000 million / Notes There was a revision from the most recent forecast, but the figures before the revision are not stated in this earnings summary. |
| Annual Dividend Forecast | ¥60 → ¥80 |
| Segment revenue | Banking Net Sales ¥145,627 million / Year-on-year (%) ¥15.1 million / Leasing Net Sales ¥11,649 million / Year-on-year (%) ¥13.1 million |
| Segment profit | Banking Segment profit ¥66,223 million / Year-on-year (%) ¥20.8 million / Leasing Segment profit ¥372 million / Year-on-year (%) ¥28.3 million |
| Depreciation and amortization | ¥3,892 million |
| Impairment loss | Amount ¥10 million / Subject assets Not disclosed |
| Breakdown of extraordinary income (loss) | Extraordinary income Item Gain on disposal of fixed assets / Amount ¥13 million, Item Reversal of financial instruments transaction liability reserve / Amount ¥1 million / Extraordinary loss Item Loss on disposal of fixed assets / Amount ¥55 million, Item Impairment loss / Amount ¥10 million |
| Disclosure regarding the going concern assumption | None. The note on the going concern assumption states, “There are no applicable matters.” |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | New Not disclosed / Excluded Not disclosed / Company name Not disclosed / Summary No material changes were made to the scope of consolidation during the interim period. |
| Material subsequent events | The Company and The Ehime Bank,Ltd. entered into a basic agreement toward a management integration and are discussing and considering a share exchange targeted for 1 April 2027. This is subject to the necessary approvals and regulatory authorisations and may be changed in the future. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (for institutional investors) |
| Issued Shares at Period-End | 313,408,831 |
| Treasury Shares at Period-End | 28,889,694 |
| Factors Behind Changes in Business Performance | Increase in funds investment income due to factors including higher domestic interest rates and an increase in outstanding loans, and increase in other ordinary income mainly due to an increase in gains on sales of shares. Increase in other operating expenses due to factors including an increase in losses on sales of Japanese government bonds and other bonds. |
Items this document does not state (6)
Operating profitOperating MarginPayout ratioShareholder Return PolicyRegional salesOrders received and order backlog
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.Ordinary income increased due to higher funds investment income, reflecting factors including higher domestic interest rates and an increase in outstanding loans, as well as higher other ordinary income, mainly due to an increase in gains on sales of shares. Meanwhile, other operating expenses increased, mainly due to an increase in losses on sales of Japanese government bonds and other bonds.
How to read this page
This is not the documentKomori reads the disclosure the company filed and writes this summary. Figures are as stated by the company and are not audited.
Weight is not a verdictIt measures how much this changes what the company had already told the market. It is not a view on the shares.
Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.