Worth reading
36Immaterial
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Mixed performance
Direction inferred from the company’s description.Scale
-907
¥ millionWording
Avoiding a definitive answer
How definitive the wording is.Results for this period
First quarter1 April 2026 to 30 June 2026ConsolidatedJapanese GAAPOrdinary income18,216¥ millionYear on year -4.7%Progress 28.0%
Net income attributable to owners of the parent12,537¥ millionYear on year -6.7%Progress 27.9%
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¥29.60
Financial position at period-end
Total assets13,753,773¥ million
of which net assets 786,709 ¥ millionEquity ratio 5.7%vs. prior year-end +0.1pt
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 profit
Banking18,97397.1%
Leasing2771.4%
Other2801.4%
Segment revenueSegment Banking / Ordinary revenue ¥72,589 million / Prior-year period ¥52,808 million / yoy_pct Not disclosed, Segment Leasing / Ordinary revenue ¥10,889 million / Prior-year period ¥9,820 million / yoy_pct Not disclosed, Segment Other / Ordinary revenue ¥2,565 million / Prior-year period ¥1,831 million / yoy_pct Not disclosed
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¥29 → ¥38（+31.0%）
Factors Behind Changes in Business Performance
Ordinary revenue increased, mainly due to an increase in other operating revenue, while ordinary expenses increased, mainly due to an increase in other operating expenses. Ordinary income decreased due to increases in credit costs and expenses, despite an increase in gross operating profit.
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 consolidation0 additions, 0 exclusions (no material changes)
Material subsequent eventsThe 2026 Kumamoto earthquake, which occurred on 28 July 2026, caused damage to customers and operating locations. The impact is still under investigation, and it is currently difficult to reasonably estimate the amount.
Impairment lossNo applicable matters.
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥4 million / Extraordinary loss Losses on disposal of fixed assets ¥43 million
Depreciation and amortization¥2,633 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable No / Subject person Not disclosed
Issued Shares at Period-End463,375,978
Treasury Shares at Period-End40,416,310
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 June 2026 |
| Ordinary income | ¥18,216 million (YoY -4.7%) |
| Profit attributable to owners of the parent | ¥12,537 million (YoY -6.7%) |
| Net income per share | ¥29.60 |
| Equity ratio | End of the current fiscal period 5.7% / End of previous period 5.6% |
| Total assets | ¥13,753,773 million |
| Net assets | ¥786,709 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 | ¥29 → ¥38（+31.0%） |
| Segment revenue | Segment Banking / Ordinary revenue ¥72,589 million / Prior-year period ¥52,808 million / yoy_pct Not disclosed, Segment Leasing / Ordinary revenue ¥10,889 million / Prior-year period ¥9,820 million / yoy_pct Not disclosed, Segment Other / Ordinary revenue ¥2,565 million / Prior-year period ¥1,831 million / yoy_pct Not disclosed |
| Segment profit | Segment Banking / Segment profit ¥18,973 million / Prior-year period ¥19,810 million / yoy_pct Not disclosed, Segment Leasing / Segment profit ¥277 million / Prior-year period ¥233 million / yoy_pct Not disclosed, Segment Other / Segment profit ¥280 million / Prior-year period ¥114 million / yoy_pct Not disclosed |
| Depreciation and amortization | ¥2,633 million |
| Impairment loss | No applicable matters. |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥4 million / Extraordinary loss Losses on disposal of fixed assets ¥43 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 | 0 additions, 0 exclusions (no material changes) |
| Material subsequent events | The 2026 Kumamoto earthquake, which occurred on 28 July 2026, caused damage to customers and operating locations. The impact is still under investigation, and it is currently difficult to reasonably estimate the amount. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable No / Subject person Not disclosed |
| Issued Shares at Period-End | 463,375,978 |
| Treasury Shares at Period-End | 40,416,310 |
| Factors Behind Changes in Business Performance | Ordinary revenue increased, mainly due to an increase in other operating revenue, while ordinary expenses increased, mainly due to an increase in other operating expenses. Ordinary income decreased due to increases in credit costs and expenses, despite an increase in gross operating profit. |
Items this document does not state (12)
Net SalesOperating 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.Ordinary revenue increased, mainly due to an increase in other operating revenue, while ordinary expenses increased, mainly due to an increase in other operating expenses. The earnings presentation materials state that ordinary income decreased because credit costs and expenses increased, despite an increase in gross operating profit.
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.