Worth reading
48Recurring
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
72
Ordinary profit year-on-year (%)Wording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026–30 September 2026ConsolidatedJapanese GAAPNet Sales203,969¥ million (ordinary income)Year on year +78.1%Progress 58.8%
Ordinary income43,354¥ millionYear on year +72.0%Progress 54.2%
Net income attributable to owners of the parent29,754million yen (interim net income)Year on year +71.3%
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¥167.31
Financial position at period-end
Total assets11,243,051¥ million
of which net assets 665,314 ¥ millionEquity ratio 5.9%vs. prior year-end +0.5pt
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.
Segment revenueSegment Banking / Ordinary revenue ¥187,984 million / yoy_pct ¥79.6 million, Segment Leasing / Ordinary revenue ¥12,047 million / yoy_pct ¥69.3 million, Segment Securities business / Ordinary revenue ¥3,345 million / yoy_pct ¥62.4 million, Segment Other / Ordinary revenue ¥15,392 million / yoy_pct ¥10.8 million
Segment profitSegment Banking / Ordinary income ¥40,514 million / yoy_pct ¥71.7 million, Segment Leasing / Ordinary income ¥382 million / yoy_pct ¥34.9 million, Segment Securities business / Ordinary income ¥1,153 million / yoy_pct ¥177.1 million, Segment Other / Ordinary income ¥11,984 million / yoy_pct ¥9.6 million
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥347,000 million (ordinary income) (YoY +39.3%)
Operating profitNot disclosed
Ordinary income¥80,000 million (YoY +42.7%)
Net income¥55,000 million (net profit attributable to owners of the parent) (YoY +38.5%)
Revision to Earnings ForecastOrdinary revenue Not disclosed → ¥347,000 million / Operating profit Not disclosed / Ordinary income Not disclosed → ¥80,000 million / Profit attributable to owners of the parent Not disclosed → ¥55,000 million
Annual Dividend Forecast90 Yen (per share, previous fiscal year actual and current fiscal year forecast) → 124 Yen (per share, previous fiscal year actual and current fiscal year forecast)
Factors Behind Changes in Business Performance
Ordinary revenue increased due to higher gains on sales of securities and fund management income. Ordinary expenses increased due to higher losses on sales of securities and interest on deposits, despite a decrease in credit costs.
Disclosure regarding the going concern assumption
No applicable matters.
Change in accounting policy
基準改正に伴う変更 Noneそれ以外の変更 None見積りの変更 None修正再表示 None
Changes in the scope of consolidationNew 0 / Excluded 0 / Company name Not applicable
Impairment loss¥26 million
Breakdown of extraordinary income (loss)Extraordinary income Item Gain on disposal of fixed assets / Amount ¥26 million / Extraordinary loss Item Loss on disposal of property, plant and equipment / Amount ¥95 million, Item Impairment Losses / Amount ¥26 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person Analysts and institutional investors
Issued Shares at Period-End184,771,461 shares
Treasury Shares at Period-End6,891,212 shares
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026–30 September 2026 |
| Net Sales | ¥203,969 million (ordinary income) (YoY +78.1%) |
| Ordinary income | ¥43,354 million (YoY +72.0%) |
| Profit attributable to owners of the parent | 29,754 million yen (interim net income) (YoY +71.3%) |
| Net income per share | ¥167.31 |
| Equity ratio | End of the current fiscal period 5.9 / End of previous period 5.4 |
| Total assets | ¥11,243,051 million |
| Net assets | ¥665,314 million |
| Full-year earnings forecast | Net Sales ¥347,000 million (ordinary income) (YoY +39.3%) / Operating profit Not disclosed / Ordinary income ¥80,000 million (YoY +42.7%) / Net income ¥55,000 million (net profit attributable to owners of the parent) (YoY +38.5%) |
| Revision to Earnings Forecast | Ordinary revenue Not disclosed → ¥347,000 million / Operating profit Not disclosed / Ordinary income Not disclosed → ¥80,000 million / Profit attributable to owners of the parent Not disclosed → ¥55,000 million |
| Annual Dividend Forecast | 90 Yen (per share, previous fiscal year actual and current fiscal year forecast) → 124 Yen (per share, previous fiscal year actual and current fiscal year forecast) |
| Segment revenue | Segment Banking / Ordinary revenue ¥187,984 million / yoy_pct ¥79.6 million, Segment Leasing / Ordinary revenue ¥12,047 million / yoy_pct ¥69.3 million, Segment Securities business / Ordinary revenue ¥3,345 million / yoy_pct ¥62.4 million, Segment Other / Ordinary revenue ¥15,392 million / yoy_pct ¥10.8 million |
| Segment profit | Segment Banking / Ordinary income ¥40,514 million / yoy_pct ¥71.7 million, Segment Leasing / Ordinary income ¥382 million / yoy_pct ¥34.9 million, Segment Securities business / Ordinary income ¥1,153 million / yoy_pct ¥177.1 million, Segment Other / Ordinary income ¥11,984 million / yoy_pct ¥9.6 million |
| Impairment loss | ¥26 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Item Gain on disposal of fixed assets / Amount ¥26 million / Extraordinary loss Item Loss on disposal of property, plant and equipment / Amount ¥95 million, Item Impairment Losses / Amount ¥26 million |
| Disclosure regarding the going concern assumption | No applicable matters. |
| Change in accounting policy | Changes due to revisions to standards None / Other changes None / Change in accounting estimate None / Restatement None |
| Changes in the scope of consolidation | New 0 / Excluded 0 / Company name Not applicable |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Analysts and institutional investors |
| Issued Shares at Period-End | 184,771,461 shares |
| Treasury Shares at Period-End | 6,891,212 shares |
| Factors Behind Changes in Business Performance | Ordinary revenue increased due to higher gains on sales of securities and fund management income. Ordinary expenses increased due to higher losses on sales of securities and interest on deposits, despite a decrease in credit costs. |
Items this document does not state (12)
Operating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogDepreciation and amortizationMaterial subsequent events
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.Gains on sales of securities and fund management income increased. Ordinary expenses increased, mainly due to higher losses on sales of securities and interest on deposits, despite a decrease in credit costs. The full-year forecast was revised upward based on the interim performance trend.
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.