Worth reading
45Recurring
Scored from 4 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
25
% (year-on-year change in ordinary profit)Wording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPOrdinary income53,766¥ millionYear on year +25.0%Progress 82.7%
Net income attributable to owners of the parent37,674¥ millionYear on year +24.0%Progress 83.7%
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¥87.54
Financial position at period-end
Total assets13,525,584¥ million
of which net assets 761,255 ¥ millionEquity ratio 5.6%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-58,726
Investment-257,059
Financials-20,604
Net change-336,389
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¥1,550,741 million
Segment revenueBanking ¥217,982 million (YoY +5.1%), Leasing ¥41,592 million (YoY +4.6%), Other ¥14,932 million (YoY +13.4%)
Segment profitBanking ¥53,158 million (YoY +27.6%), Leasing ¥1,388 million (YoY -18.2%), Other ¥1,961 million (YoY +38.5%)
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥65,000 million (YoY +20.8%)
Net income¥45,000 million (YoY +19.4%)
Annual Dividend Forecast¥21 → ¥38（+81.0%）
Payout ratio33.1
Factors Behind Changes in Business Performance
Increases in interest income and fees and commissions, an increase in interest expenses, and an increase in gross operating profit mainly due to higher net interest income
Disclosure regarding the going concern assumption
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 0 / Excluded 0 / Company name Not disclosed
Material subsequent eventsNo applicable matters.
Impairment loss¥0 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥4 million, Gain on negative goodwill ¥241 million, Gain on step acquisition ¥19 million / Extraordinary loss Losses on disposal of fixed assets ¥93 million
Depreciation and amortization¥10,036 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person Institutional investors and securities analysts
Issued Shares at Period-End463,375,978
Treasury Shares at Period-End39,818,444
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Ordinary income | ¥53,766 million (YoY +25.0%) |
| Profit attributable to owners of the parent | ¥37,674 million (YoY +24.0%) |
| Net income per share | ¥87.54 |
| Equity ratio | End of the current fiscal period 5.6 / End of previous period 5.3 |
| Total assets | ¥13,525,584 million |
| Net assets | ¥761,255 million |
| Cash flows from operating activities | ¥-58,726 million |
| Cash flows from investing activities | ¥-257,059 million |
| Cash flows from financing activities | ¥-20,604 million |
| Cash and cash equivalents at end of period | ¥1,550,741 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥65,000 million (YoY +20.8%) / Net income ¥45,000 million (YoY +19.4%) |
| Annual Dividend Forecast | ¥21 → ¥38（+81.0%） |
| Payout ratio | 33.1 |
| Segment revenue | Banking ¥217,982 million (YoY +5.1%), Leasing ¥41,592 million (YoY +4.6%), Other ¥14,932 million (YoY +13.4%) |
| Segment profit | Banking ¥53,158 million (YoY +27.6%), Leasing ¥1,388 million (YoY -18.2%), Other ¥1,961 million (YoY +38.5%) |
| Depreciation and amortization | ¥10,036 million |
| Impairment loss | ¥0 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥4 million, Gain on negative goodwill ¥241 million, Gain on step acquisition ¥19 million / Extraordinary loss Losses on disposal of fixed assets ¥93 million |
| Disclosure regarding the going concern assumption | 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 0 / Excluded 0 / Company name Not disclosed |
| Material subsequent events | No applicable matters. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Institutional investors and securities analysts |
| Issued Shares at Period-End | 463,375,978 |
| Treasury Shares at Period-End | 39,818,444 |
| Factors Behind Changes in Business Performance | Increases in interest income and fees and commissions, an increase in interest expenses, and an increase in gross operating profit mainly due to higher net interest income |
Items this document does not state (7)
Net SalesOperating profitOperating MarginRevision to Earnings ForecastShareholder 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 revenue increased mainly due to increases in interest income and fees and commissions. Ordinary expenses also increased, primarily due to higher interest expenses, but ordinary profit increased as gross operating profit rose, mainly reflecting an increase in net interest income.
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.