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.
The number of loans originated increased 5.6% year on year, and growth in the number and value of originations of the core MSJ Flat 35 product drove an increase in loan fee income. Expenses related to the head office relocation recorded in the previous year did not recur, and consumables expenses also decreased by ¥70.182 million, while operating costs increased due to higher interest rates.
No applicable matters.
| 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 | 8,065 million yen (YoY +6.6%) |
| Operating profit | 1,687 million yen (YoY +20.5%) |
| Ordinary income | 1,698 million yen (YoY +21.1%) |
| Profit attributable to owners of the parent | 1,162 million yen (YoY +18.3%) |
| Net income per share | ¥79.04 |
| Operating Margin | 20.9% |
| Equity ratio | End of the current fiscal period 39.0% / End of previous period 39.7% |
| Total assets | 24,658 million yen |
| Net assets | 9,631 million yen |
| Cash flows from operating activities | -1,212 million yen |
| Cash flows from investing activities | -160 million yen |
| Cash flows from financing activities | 1,297 million yen |
| Cash and cash equivalents at end of period | 5,103 million yen |
| Full-year earnings forecast | Net Sales 8,200 million yen (YoY +1.7%) / Operating profit 1,340 million yen (YoY -20.6%) / Ordinary income 1,346 million yen (YoY -20.7%) / Net income 910 million yen (YoY -21.6%) |
| Annual Dividend Forecast | 22 yen → 30 yen（+36.4%） |
| Payout ratio | Fiscal year ending March 2026 38.0% / Forecast for the fiscal year ending March 2027 48.4% |
| Segment revenue | Residential Mortgage Finance 3,907,185 thousand yen (YoY +7.8%), Housing Defect Insurance and Related Business 3,374,740 thousand yen (YoY +2.0%), Housing Academeia Business 783,398 thousand yen (YoY +24.1%) |
| Segment profit | Residential Mortgage Finance 1,137,396 thousand yen (YoY +8.2%), Housing Defect Insurance and Related Business 361,147 thousand yen (YoY +26.0%), Housing Academeia Business 188,843 thousand yen (YoY +207.3%) |
| Depreciation and amortization | 110,594 thousand yen |
| Impairment loss | No applicable matters. |
| Breakdown of extraordinary income (loss) | Extraordinary income No applicable matters. / Extraordinary loss Loss on disposal of fixed assets 359 thousand yen |
| 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 Number of companies 0 / Company name None / Excluded Number of companies 0 / Company name None |
| Material subsequent events | No applicable matters. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | No (for institutional investors and analysts) |
| Issued Shares at Period-End | 14,704,000 shares |
| Treasury Shares at Period-End | 2,020 shares |
| Factors Behind Changes in Business Performance | The number of loans originated increased 5.6% year on year, and growth in the number and value of originations of the core MSJ Flat 35 product drove an increase in loan fee income. Expenses related to the head office relocation recorded in the previous year did not recur, and consumables expenses also decreased by ¥70.182 million, while operating costs increased due to higher interest rates. |
Items this document does not state (4)
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.The number and value of loans originated increased, and growth in originations of the core MSJ Flat 35 product drove an increase in loan fee income. In addition, expenses related to the head office relocation recorded in the previous year did not recur, and consumables expenses decreased by ¥70.182 million. On the other hand, operating costs increased due to the impact of higher interest rates on financing.