Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPThe 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.
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.
Stacked from zero: upward is an increase in cash, downward a decrease (in million yen).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Amid resilient conditions in the mortgage market, the company worked to expand its guarantee business in the new mortgage market, build up the balance of guaranteed obligations through asset-based lending (ABL), make investments through capital and business alliances and its corporate venture capital (CVC) activities, and expand its guarantee business and claims management and collection operations by leveraging group companies.
Not applicable.
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Net Sales | 58,739 million yen (YoY +3.1%) |
| Operating profit | 41,382 million yen (YoY -1.4%) |
| Ordinary income | 46,554 million yen (YoY +4.6%) |
| Profit attributable to owners of the parent | 32,526 million yen (YoY +1.4%) |
| Net income per share | ¥243.70 |
| Operating Margin | 70.5％ |
| Equity ratio | End of the current fiscal period 48.9 / End of previous period 48.5 |
| Total assets | 500,831 million yen |
| Net assets | 245,148 million yen |
| Cash flows from operating activities | 32,833 million yen |
| Cash flows from investing activities | -42,356 million yen |
| Cash flows from financing activities | -27,337 million yen |
| Cash and cash equivalents at end of period | 55,524 million yen |
| Full-year earnings forecast | Net Sales 60,600 million yen (YoY +3.2%) / Operating profit 42,000 million yen (YoY +1.5%) / Ordinary income 47,200 million yen (YoY +1.4%) / Net income 32,700 million yen (YoY +0.5%) |
| Annual Dividend Forecast | 120 yen → 123 yen（+2.5%） |
| Payout ratio | Fiscal year ending March 2026 49.2 / Forecast for the fiscal year ending March 2027 50 |
| Depreciation and amortization | 1,004 million yen |
| Breakdown of extraordinary income (loss) | Extraordinary income 27 million yen / Extraordinary loss Not disclosed |
| Disclosure regarding the going concern assumption | Not applicable. |
| 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 0 / Excluded 0 / Name of newly added company Not disclosed / Excluded Company Name Not disclosed |
| Material subsequent events | Not applicable. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Institutional investors and analysts |
| Issued Shares at Period-End | 137,743,580 shares |
| Treasury Shares at Period-End | 4,881,865 shares |
| Factors Behind Changes in Business Performance | Amid resilient conditions in the mortgage market, the company worked to expand its guarantee business in the new mortgage market, build up the balance of guaranteed obligations through asset-based lending (ABL), make investments through capital and business alliances and its corporate venture capital (CVC) activities, and expand its guarantee business and claims management and collection operations by leveraging group companies. |
Items this document does not state (7)
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.Amid resilient conditions in the mortgage market, the company worked to expand its guarantee business in the new mortgage market, build up the balance of guaranteed obligations through asset-based lending (ABL), make investments through capital and business alliances and its corporate venture capital (CVC) activities, and expand its guarantee business and claims management and collection operations by leveraging group companies.