Worth reading
58In focus
Scored from 5 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
36.9
% (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 GAAPNet Sales169,093¥ million (ordinary income)Year on year +24.0%
Ordinary income42,766¥ millionYear on year +36.9%Progress 104.3%
Net income attributable to owners of the parent27,380¥ millionYear on year +31.3%Progress 97.8%
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¥153.22
Financial position at period-end
Total assets7,526,018¥ million
of which net assets 473,276 ¥ millionEquity ratio 6.2%vs. prior year-end +0.7pt
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-190,319
Investment+224,979
Financials-10,190
Net change+24,470
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¥1,094,537 million
Segment revenueSegment Banking / Ordinary income_value ¥134,722 million / yoy_pct Not disclosed, Segment Leasing / Ordinary income_value ¥27,480 million / yoy_pct Not disclosed
Segment profitBanking ¥40,185 million, Leasing ¥963 million
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥41,000 million (YoY -4.1%)
Net income¥28,000 million (YoY +2.2%)
Annual Dividend Forecast240 Yen and sen (prior-year actual on a pre-stock-split basis; current-year forecast on a post-stock-split basis) → 50 Yen and sen (prior-year actual on a pre-stock-split basis; current-year forecast on a post-stock-split basis)（4.1 (calculated after the stock split)）
Payout ratio31.3% (FY2026 actual), 31.6% (FY2027 forecast)
Factors Behind Changes in Business Performance
Ordinary income increased, mainly due to increases in investment income and gains on sales of shares and other securities. Ordinary expenses also increased, mainly due to higher funding costs.
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 Number of companies 1 / Company name Juroku Business Succession Support No. 2 Investment Limited Liability Partnership / Excluded Not disclosed
Material subsequent eventsStock split at a ratio of 5-for-1 for the company’s common shares and an amendment to the Articles of Incorporation in connection with the stock split, effective 1 April 2026
Impairment loss¥2,835 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥3 million / Extraordinary loss Losses on disposal of fixed assets ¥46 million, Impairment Losses ¥2,835 million, Provision for financial instruments transaction liability reserve ¥4 million
Depreciation and amortization¥3,805 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingAvailable (for institutional investors and analysts)
Issued Shares at Period-End189,620,670
Treasury Shares at Period-End12,515,540
| 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 | ¥169,093 million (ordinary income) (YoY +24.0%) |
| Ordinary income | ¥42,766 million (YoY +36.9%) |
| Profit attributable to owners of the parent | ¥27,380 million (YoY +31.3%) |
| Net income per share | ¥153.22 |
| Equity ratio | End of the current fiscal period 6.2 / End of previous period 5.5 |
| Total assets | ¥7,526,018 million |
| Net assets | ¥473,276 million |
| Cash flows from operating activities | ¥-190,319 million |
| Cash flows from investing activities | ¥224,979 million |
| Cash flows from financing activities | ¥-10,190 million |
| Cash and cash equivalents at end of period | ¥1,094,537 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥41,000 million (YoY -4.1%) / Net income ¥28,000 million (YoY +2.2%) |
| Annual Dividend Forecast | 240 Yen and sen (prior-year actual on a pre-stock-split basis; current-year forecast on a post-stock-split basis) → 50 Yen and sen (prior-year actual on a pre-stock-split basis; current-year forecast on a post-stock-split basis)（4.1 (calculated after the stock split)） |
| Payout ratio | 31.3% (FY2026 actual), 31.6% (FY2027 forecast) |
| Segment revenue | Segment Banking / Ordinary income_value ¥134,722 million / yoy_pct Not disclosed, Segment Leasing / Ordinary income_value ¥27,480 million / yoy_pct Not disclosed |
| Segment profit | Banking ¥40,185 million, Leasing ¥963 million |
| Depreciation and amortization | ¥3,805 million |
| Impairment loss | ¥2,835 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥3 million / Extraordinary loss Losses on disposal of fixed assets ¥46 million, Impairment Losses ¥2,835 million, Provision for financial instruments transaction liability reserve ¥4 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 Number of companies 1 / Company name Juroku Business Succession Support No. 2 Investment Limited Liability Partnership / Excluded Not disclosed |
| Material subsequent events | Stock split at a ratio of 5-for-1 for the company’s common shares and an amendment to the Articles of Incorporation in connection with the stock split, effective 1 April 2026 |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Available (for institutional investors and analysts) |
| Issued Shares at Period-End | 189,620,670 |
| Treasury Shares at Period-End | 12,515,540 |
| Factors Behind Changes in Business Performance | Ordinary income increased, mainly due to increases in investment income and gains on sales of shares and other securities. Ordinary expenses also increased, mainly due to higher funding costs. |
Items this document does not state (6)
Operating 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 income increased, mainly due to increases in investment income and gains on sales of shares and other securities. Ordinary expenses also increased, mainly due to higher funding costs.
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.