Worth reading
39Recurring
Scored from 5 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
-206
Millions of yenWording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026–30 September 2026ConsolidatedJapanese GAAPNet Sales7,203¥ million (ordinary income)Year on year +33.8%Progress 53.0%
Ordinary income263Millions of yenYear on year -23.0%
Net income attributable to owners of the parent109¥ million (interim net profit)Year on year -65.2%
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¥6.00
Financial position at period-end
Total assets567,832Millions of yen
of which net assets 9,240 Millions of yenEquity ratio 1.6%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 revenueBanking ¥6,205 million (ordinary income), Leasing ¥1,068 million (ordinary income)
Segment profitBanking ¥268 million (segment profit), Leasing ¥9 million (segment profit)
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥13,600 million (ordinary income) (YoY +11.0%)
Operating profitNot disclosed
Ordinary income-5,960 Millions of yen
Net income¥-5,980 million (net profit attributable to owners of the parent)
Annual Dividend Forecast¥10 (common shares) → ¥10 (common shares)（0.0%）
Factors Behind Changes in Business Performance
Income from funds invested increased to ¥4,143 million and other operating income to ¥1,517 million, while funding expenses were ¥1,158 million, other operating expenses were ¥315 million, and other ordinary expenses were ¥2,243 million. Consolidated credit costs were ¥1,261 million, up ¥12 million year on year.
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 consolidationNo material changes (number and names of companies newly consolidated or excluded: Not disclosed)
Material subsequent eventsA resolution was passed to raise ¥10 billion through the issuance of 10 million Class C preferred shares by way of a third-party allotment. The proceeds are planned to be used for business loans, mainly to local business customers. In connection with the issuance, capital stock and capital reserves will each be reduced by ¥5 billion and transferred to other capital surplus. Both measures are subject to approval at a general meeting of shareholders and other conditions.
Impairment lossNo applicable matters
Breakdown of extraordinary income (loss)Extraordinary income None / Extraordinary loss None
Depreciation and amortization317 Millions of yen
Availability of Supplementary Financial Results MaterialsAvailable
Availability of Financial Results BriefingNo (attendees: Not disclosed)
Issued Shares at Period-End8,416,000
Treasury Shares at Period-End188,956
| 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 | ¥7,203 million (ordinary income) (YoY +33.8%) |
| Ordinary income | 263 Millions of yen (YoY -23.0%) |
| Profit attributable to owners of the parent | ¥109 million (interim net profit) (YoY -65.2%) |
| Net income per share | ¥6.00 |
| Equity ratio | End of the current fiscal period 1.6 / End of previous period 2.1 |
| Total assets | 567,832 Millions of yen |
| Net assets | 9,240 Millions of yen |
| Full-year earnings forecast | Net Sales ¥13,600 million (ordinary income) (YoY +11.0%) / Operating profit Not disclosed / Ordinary income -5,960 Millions of yen / Net income ¥-5,980 million (net profit attributable to owners of the parent) |
| Annual Dividend Forecast | ¥10 (common shares) → ¥10 (common shares)（0.0%） |
| Segment revenue | Banking ¥6,205 million (ordinary income), Leasing ¥1,068 million (ordinary income) |
| Segment profit | Banking ¥268 million (segment profit), Leasing ¥9 million (segment profit) |
| Depreciation and amortization | 317 Millions of yen |
| Impairment loss | No applicable matters |
| Breakdown of extraordinary income (loss) | Extraordinary income None / Extraordinary loss None |
| 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 | No material changes (number and names of companies newly consolidated or excluded: Not disclosed) |
| Material subsequent events | A resolution was passed to raise ¥10 billion through the issuance of 10 million Class C preferred shares by way of a third-party allotment. The proceeds are planned to be used for business loans, mainly to local business customers. In connection with the issuance, capital stock and capital reserves will each be reduced by ¥5 billion and transferred to other capital surplus. Both measures are subject to approval at a general meeting of shareholders and other conditions. |
| Availability of Supplementary Financial Results Materials | Available |
| Availability of Financial Results Briefing | No (attendees: Not disclosed) |
| Issued Shares at Period-End | 8,416,000 |
| Treasury Shares at Period-End | 188,956 |
| Factors Behind Changes in Business Performance | Income from funds invested increased to ¥4,143 million and other operating income to ¥1,517 million, while funding expenses were ¥1,158 million, other operating expenses were ¥315 million, and other ordinary expenses were ¥2,243 million. Consolidated credit costs were ¥1,261 million, up ¥12 million year on year. |
Items this document does not state (11)
Operating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodRevision to Earnings ForecastPayout 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.Income from funds invested and other operating income increased, while funding expenses, other operating expenses, and other ordinary expenses also increased. Consolidated credit costs were ¥1,261 million, an increase of ¥12 million from the same period of the previous year.
How to read this page
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