Results for this period
Interim period (second quarter)1 April 2026 to 30 September 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).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Operating revenue: the solid trend in the balance of guarantee obligations; operating profit: the increase in operating expenses due to the one-time recognition of a provision associated with the introduction of a stock compensation trust scheme, among other factors; ordinary profit: improved returns on asset management and the recognition of investment gains under the equity method.
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| 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 | ¥23,756 million (YoY +3.0%) |
| Operating profit | ¥14,956 million (YoY +0.2%) |
| Ordinary income | ¥17,992 million (YoY +6.7%) |
| Profit attributable to owners of the parent | ¥12,487 million (YoY +7.0%) |
| Net income per share | ¥93.96 |
| Equity ratio | End of the current fiscal period 49.6 / End of previous period 48.9 |
| Total assets | ¥503,175 million |
| Net assets | ¥249,761 million |
| Cash flows from operating activities | ¥11,951 million |
| Cash flows from investing activities | ¥-17,171 million |
| Cash flows from financing activities | ¥-10,228 million |
| Cash and cash equivalents at end of period | ¥40,076 million |
| Full-year earnings forecast | Net Sales ¥60,600 million (YoY +3.2%) / Operating profit ¥42,000 million (YoY +1.5%) / Ordinary income ¥47,200 million (YoY +1.3%) / Profit attributable to owners of the parent ¥32,700 million (YoY +0.5%) |
| Annual Dividend Forecast | ¥120 → ¥123（+2.5%） |
| Depreciation and amortization | ¥470 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Item Gain on sales of investment securities / Amount ¥160 million / Extraordinary loss Not disclosed |
| Disclosure regarding the going concern assumption | None |
| 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 — companies / Excluded — companies / Company name Not disclosed |
| Material subsequent events | At a meeting of the Board of Directors held on 5 November 2026, the Company resolved to repurchase its own shares to improve capital efficiency and return profits to shareholders. The repurchase will cover up to 4,000,000 shares, with a total purchase price of up to ¥8 billion, during the period from 6 November 2026 to 31 March 2027. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Available (for institutional investors and analysts) |
| Issued Shares at Period-End | 137,743,580 shares |
| Treasury Shares at Period-End | 4,702,065 shares |
| Factors Behind Changes in Business Performance | Operating revenue: the solid trend in the balance of guarantee obligations; operating profit: the increase in operating expenses due to the one-time recognition of a provision associated with the introduction of a stock compensation trust scheme, among other factors; ordinary profit: improved returns on asset management and the recognition of investment gains under the equity method. |
Items this document does not state (9)
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.Operating revenue increased as the balance of guarantee obligations remained solid. Operating profit was flat because operating expenses increased due to the one-time recognition of a provision associated with the introduction of a stock compensation trust scheme, among other factors. Ordinary profit increased due to improved returns on asset management and the recognition of investment gains under the equity method, among other factors.