Worth reading
47Recurring
Scored from 5 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
86.5
Year-on-year change in ordinary income (%)Wording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPOrdinary income19,756¥ millionYear on year +60.6%Progress 74.6%
Net income attributable to owners of the parent12,632¥ millionYear on year +55.5%Progress 74.3%
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¥55.98
Operating MarginNot disclosed (ordinary profit margin on ordinary income: 11.8%)
Financial position at period-end
Total assets6,536,786¥ million
of which net assets 253,773 ¥ millionEquity ratio 3.7%vs. prior year-end +0.4pt
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-255,798
Investment+9,362
Financials-27,854
Net change-274,290
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¥1,367,956 million
Segment revenueBanking Ordinary revenue ¥152,296 million / yoy_pct ¥100.3 million / Leasing Ordinary revenue ¥15,351 million / yoy_pct ¥10.5 million
Segment profitBanking Segment profit ¥19,183 million / yoy_pct ¥61.5 million / Leasing Segment profit ¥564 million / yoy_pct ¥26.7 million
Regional salesNot disclosed (omitted because ordinary income generated in Japan accounts for more than 90% of total ordinary income)
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥26,500 million (YoY +34.1%)
Net income¥17,000 million (YoY +34.5%)
Annual Dividend Forecast¥23 per share → ¥30 per share（+30.4%）
Payout ratio41
Shareholder Return PolicyDividends will be paid with a target payout ratio of approximately 40%, while share repurchases will be conducted flexibly.
Factors Behind Changes in Business Performance
Ordinary income increased mainly due to higher interest income on loans and gains on sales of stocks and other securities. Ordinary expenses also increased mainly due to higher interest expenses on deposits and losses on sales of government bonds and other securities.
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 consolidationThe cover page states that there were no significant changes to the scope of consolidation during the period. The section on the status of the corporate group states that 株式会社ＣＣＩエンタベース was established and that it made 株式会社ハニービースポーツ and 株式会社金沢サムライズ subsidiaries. The number of consolidated subsidiaries was 13, compared with 12 in the previous fiscal year.
Material subsequent eventsNo applicable matters.
Impairment loss¥724 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥7 million / Extraordinary loss Losses on disposal of fixed assets ¥283 million, Impairment Losses ¥724 million, Amortization of goodwill ¥909 million
Depreciation and amortization¥5,169 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingNo (no attendees specified)
Issued Shares at Period-End229,085,820
Treasury Shares at Period-End5,860,878
| 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 | Not disclosed (ordinary income is presented as the metric equivalent to revenue for general companies) |
| Operating profit | Not disclosed (operating profit is not presented because the company is a bank) |
| Ordinary income | ¥19,756 million (YoY +60.6%) |
| Profit attributable to owners of the parent | ¥12,632 million (YoY +55.5%) |
| Net income per share | ¥55.98 |
| Operating Margin | Not disclosed (ordinary profit margin on ordinary income: 11.8%) |
| Equity ratio | End of the current fiscal period 3.7 / End of previous period 3.3 |
| Total assets | ¥6,536,786 million |
| Net assets | ¥253,773 million |
| Cash flows from operating activities | ¥-255,798 million |
| Cash flows from investing activities | ¥9,362 million |
| Cash flows from financing activities | ¥-27,854 million |
| Cash and cash equivalents at end of period | ¥1,367,956 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥26,500 million (YoY +34.1%) / Net income ¥17,000 million (YoY +34.5%) |
| Annual Dividend Forecast | ¥23 per share → ¥30 per share（+30.4%） |
| Payout ratio | 41 |
| Shareholder Return Policy | Dividends will be paid with a target payout ratio of approximately 40%, while share repurchases will be conducted flexibly. |
| Segment revenue | Banking Ordinary revenue ¥152,296 million / yoy_pct ¥100.3 million / Leasing Ordinary revenue ¥15,351 million / yoy_pct ¥10.5 million |
| Segment profit | Banking Segment profit ¥19,183 million / yoy_pct ¥61.5 million / Leasing Segment profit ¥564 million / yoy_pct ¥26.7 million |
| Regional sales | Not disclosed (omitted because ordinary income generated in Japan accounts for more than 90% of total ordinary income) |
| Depreciation and amortization | ¥5,169 million |
| Impairment loss | ¥724 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥7 million / Extraordinary loss Losses on disposal of fixed assets ¥283 million, Impairment Losses ¥724 million, Amortization of goodwill ¥909 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 | The cover page states that there were no significant changes to the scope of consolidation during the period. The section on the status of the corporate group states that 株式会社ＣＣＩエンタベース was established and that it made 株式会社ハニービースポーツ and 株式会社金沢サムライズ subsidiaries. The number of consolidated subsidiaries was 13, compared with 12 in the previous fiscal year. |
| Material subsequent events | No applicable matters. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | No (no attendees specified) |
| Issued Shares at Period-End | 229,085,820 |
| Treasury Shares at Period-End | 5,860,878 |
| Factors Behind Changes in Business Performance | Ordinary income increased mainly due to higher interest income on loans and gains on sales of stocks and other securities. Ordinary expenses also increased mainly due to higher interest expenses on deposits and losses on sales of government bonds and other securities. |
Items this document does not state (2)
Revision to Earnings ForecastOrders 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 due to higher interest income on loans and gains on sales of stocks and other securities. Ordinary expenses also increased due to higher interest expenses on deposits and losses on sales of government bonds and other securities, but ordinary profit and net income attributable to owners of the parent increased.
How to read this page
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