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).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
The guarantee business reported higher new guarantee fees and renewal guarantee fees due to increases in the numbers of new and outstanding contracts. The solutions business reported lower revenue due to the shift to guarantee contracts. The IT services business reflects the consolidation of キャロルシステム株式会社 as a subsidiary. Operating income increased due to higher fees and other items, while the increase in other expenses was contained at a certain level.
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 | ¥12,283 million (YoY +16.2%) |
| Operating profit | ¥2,766 million (YoY +18.8%) |
| Ordinary income | ¥2,797 million (YoY +19.3%) |
| Profit attributable to owners of the parent | ¥1,744 million (YoY +28.2%) |
| Net income per share | ¥77.96 |
| Operating Margin | 22.5% |
| Equity ratio | End of the current fiscal period 63.1 / End of previous period 61.8 |
| Total assets | ¥12,853 million |
| Net assets | ¥8,135 million |
| Cash flows from operating activities | ¥1,690 million |
| Cash flows from investing activities | ¥-550 million |
| Cash flows from financing activities | ¥-732 million |
| Cash and cash equivalents at end of period | ¥7,229 million |
| Full-year earnings forecast | Net Sales ¥14,200 million (YoY +15.6%) / Operating profit ¥3,000 million (YoY +8.4%) / Ordinary income ¥3,020 million (YoY +8.0%) / Net income ¥1,840 million (YoY +5.5%) |
| Annual Dividend Forecast | ¥25 → ¥49.5（+98.0%） |
| Payout ratio | Fiscal year ending March 2026 48.7 / Forecast for the fiscal year ending March 2027 60.2 |
| Depreciation and amortization | ¥154,274 thousand |
| Impairment loss | No applicable matters |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on sale of investment securities ¥29,535 thousand / Extraordinary loss No applicable matters |
| 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 Number of companies 1 / Company name キャロルシステム株式会社 / Excluded Number of companies 0 / Company name Not disclosed |
| Material subsequent events | Not applicable. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Available (for institutional investors and analysts) |
| Issued Shares at Period-End | 22,373,222 |
| Treasury Shares at Period-End | 199 |
| Factors Behind Changes in Business Performance | The guarantee business reported higher new guarantee fees and renewal guarantee fees due to increases in the numbers of new and outstanding contracts. The solutions business reported lower revenue due to the shift to guarantee contracts. The IT services business reflects the consolidation of キャロルシステム株式会社 as a subsidiary. Operating income increased due to higher fees and other items, while the increase in other expenses was contained at a certain level. |
Items this document does not state (6)
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.In the guarantee business, the numbers of new and outstanding contracts increased, resulting in higher new guarantee fees and renewal guarantee fees. The solutions business reported lower revenue due to the shift to guarantee contracts, but the increase in other expenses was contained at a certain level. In January 2026, キャロルシステム株式会社 became a consolidated subsidiary.