Results for this period
First quarter1 April 2026 to 30 June 2026ConsolidatedIFRSThe 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 number of Flat 35 loans executed exceeded the level in the same period of the previous year, revenue from debt collection fees increased, revenue from insurance-related services and rent guarantees remained solid, interest income from loans secured by real estate and other loans and gains on property sales increased, and one-time expenses associated with the business acquisition incurred in the same period of the previous year decreased.
No applicable matters
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | IFRS |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 June 2026 |
| Net Sales | ¥5,949 million (YoY +8.8%) |
| Ordinary income | ¥639 million (YoY +46.0%) |
| Profit attributable to owners of the parent | ¥439 million (YoY +46.1%) |
| Net income per share | ¥9.88 |
| Equity ratio | End of the current fiscal period 19.9 / End of previous period 18.4 |
| Total assets | ¥209,563 million |
| Net assets | ¥41,797 million |
| Cash flows from operating activities | ¥13,638 million |
| Cash flows from investing activities | ¥-148 million |
| Cash flows from financing activities | ¥-18,271 million |
| Cash and cash equivalents at end of period | ¥19,130 million |
| Full-year earnings forecast | Net Sales ¥28,000 million (YoY +11.6%) / Operating profit Not disclosed / Ordinary income ¥3,200 million (YoY +15.1%) / Net income ¥2,080 million (YoY +16.9%) |
| Annual Dividend Forecast | ¥40 → ¥40（0.0%） |
| Segment revenue | Residential Mortgage Finance ¥5,949 million (YoY +8.8%) |
| Depreciation and amortization | ¥271 million |
| Disclosure regarding the going concern assumption | No applicable matters |
| Change in accounting policy | Changes due to revisions to standards Yes / Other changes No / Change in accounting estimate No / Restatement Not disclosed |
| Changes in the scope of consolidation | Added: 0 companies; excluded: 0 companies |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable No / Subject person Not disclosed |
| Issued Shares at Period-End | 44,712,170 |
| Treasury Shares at Period-End | 259,860 |
| Factors Behind Changes in Business Performance | The number of Flat 35 loans executed exceeded the level in the same period of the previous year, revenue from debt collection fees increased, revenue from insurance-related services and rent guarantees remained solid, interest income from loans secured by real estate and other loans and gains on property sales increased, and one-time expenses associated with the business acquisition incurred in the same period of the previous year decreased. |
Items this document does not state (11)
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.Revenue increased because the number of Flat 35 loans executed exceeded the level in the same period of the previous year, revenues from debt collection fees, insurance-related services and rent guarantees remained solid, and interest income from loans secured by real estate and gains on property sales increased. On the cost side, financial expenses and other costs increased due to higher funding rates, while one-time expenses associated with the business acquisition in the same period of the previous year decreased.