Worth reading
51Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Improvement
Direction inferred from the company’s description.Scale
169.6
% (year-on-year change in ordinary profit)Wording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025 to 31 March 2026ConsolidatedJapanese GAAPNet Sales95,278million yenYear on year +12.5%
Ordinary income6,557million yenYear on year +169.6%Progress 58.0%
Net income attributable to owners of the parent3,783million yenYear on year +208.3%Progress 54.0%
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¥133.47
Financial position at period-end
Total assets5,845,495million yen
of which net assets 162,761 million yenEquity ratio 2.7%vs. prior year-end +0.1pt
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-207,861
Investment-118,823
Financials-1,673
Net change-328,357
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.
Cash and cash equivalents at end of period1,151,360 million yen
Segment revenue
Banking operations79,92785.5%
Leasing operations13,51214.5%
Segment profit
Banking operations5,43989.5%
Leasing operations63510.5%
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income11,300 million yen (YoY +72.3%)
Net income7,000 million yen (YoY +85.0%)
Annual Dividend Forecast¥50 per share → ¥100 per share（+100.0%）
Payout ratioFiscal year ending March 2026 37.4％ / Forecast for the fiscal year ending March 2027 40.4％
Shareholder Return PolicyRaise the target payout ratio to approximately 40%. Applicable from fiscal 2026 (fiscal year ending March 2027).
Factors Behind Changes in Business Performance
Ordinary income increased due to higher interest income on loans and securities, as well as other income from funds invested. Funding costs such as interest on deposits and credit-related expenses also increased.
Disclosure regarding the going concern assumption
Not applicable.
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 consolidationMaterial changes No / New Not disclosed / Excluded Not disclosed / Company name Not disclosed
Material subsequent eventsNot applicable.
Impairment loss482 million yen
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets 47 million yen / Extraordinary loss Losses on disposal of fixed assets 314 million yen, Impairment Losses 482 million yen
Depreciation and amortization4,712 million yen
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person Institutional investors
Issued Shares at Period-End28,658,957 shares
Treasury Shares at Period-End343,768 shares
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025 to 31 March 2026 |
| Net Sales | 95,278 million yen (YoY +12.5%) |
| Ordinary income | 6,557 million yen (YoY +169.6%) |
| Profit attributable to owners of the parent | 3,783 million yen (YoY +208.3%) |
| Net income per share | ¥133.47 |
| Equity ratio | End of the current fiscal period 2.7％ / End of previous period 2.6％ |
| Total assets | 5,845,495 million yen |
| Net assets | 162,761 million yen |
| Cash flows from operating activities | -207,861 million yen |
| Cash flows from investing activities | -118,823 million yen |
| Cash flows from financing activities | -1,673 million yen |
| Cash and cash equivalents at end of period | 1,151,360 million yen |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income 11,300 million yen (YoY +72.3%) / Net income 7,000 million yen (YoY +85.0%) |
| Annual Dividend Forecast | ¥50 per share → ¥100 per share（+100.0%） |
| Payout ratio | Fiscal year ending March 2026 37.4％ / Forecast for the fiscal year ending March 2027 40.4％ |
| Shareholder Return Policy | Raise the target payout ratio to approximately 40%. Applicable from fiscal 2026 (fiscal year ending March 2027). |
| Segment revenue | Banking operations 79,927 million yen / Leasing operations 13,512 million yen |
| Segment profit | Banking operations 5,439 million yen / Leasing operations 635 million yen |
| Depreciation and amortization | 4,712 million yen |
| Impairment loss | 482 million yen |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets 47 million yen / Extraordinary loss Losses on disposal of fixed assets 314 million yen, Impairment Losses 482 million yen |
| 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 | Material changes No / New Not disclosed / Excluded Not disclosed / Company name Not disclosed |
| Material subsequent events | Not applicable. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Institutional investors |
| Issued Shares at Period-End | 28,658,957 shares |
| Treasury Shares at Period-End | 343,768 shares |
| Factors Behind Changes in Business Performance | Ordinary income increased due to higher interest income on loans and securities, as well as other income from funds invested. Funding costs such as interest on deposits and credit-related expenses also increased. |
Items this document does not state (5)
Operating profitOperating MarginRevision to Earnings ForecastRegional 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.Interest income on loans and securities, as well as other income from funds invested, increased, while funding costs such as interest on deposits and credit-related expenses also increased. For the fiscal year ending March 2027, the company expects an increase in net interest income, including interest on loans, and gains and losses related to securities.
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.