Worth reading
33Immaterial
Scored from 5 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
43.3
%Wording
Avoiding a definitive answer
How definitive the wording is.Results for this period
First quarter1 April 2026 to 30 June 2026ConsolidatedJapanese GAAPOrdinary income51,952¥ millionYear on year +43.3%
Net income attributable to owners of the parent38,466¥ millionYear on year -13.0%
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.
Net income per share¥43.36
Financial position at period-end
Total assets25,697,542¥ million
of which net assets 1,232,017 ¥ millionEquity ratio 4.8%vs. prior year-end -0.2pt
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.
Segment revenueNotes For management purposes, gross operating profit is presented instead of sales as used by general operating companies. / List Segment Corporate Sales / Current fiscal year 14,107 / Prior-year period 7,355 / yoy_pct 91.8, Segment Structured Finance / Current fiscal year 9,368 / Prior-year period 6,654 / yoy_pct 40.8, Segment Principal Transactions / Current fiscal year 994 / Prior-year period 15,112 / yoy_pct -93.4, Segment Financial Markets / Current fiscal year 1,232 / Prior-year period 692 / yoy_pct 78, Segment Showa Leasing / Current fiscal year 3,848 / Prior-year period 3,828 / yoy_pct 0.5, Segment Retail Banking / Current fiscal year 14,568 / Prior-year period 7,130 / yoy_pct 104.3, Segment Shinsei Financial / Current fiscal year 15,400 / Prior-year period 15,401 / yoy_pct 0, Segment APLUS / Current fiscal year 18,796 / Prior-year period 17,007 / yoy_pct 10.5, Segment Other Retail / Current fiscal year 3,001 / Prior-year period 4,501 / yoy_pct -33.3, Segment Overseas Business / Current fiscal year 5,062 / Prior-year period 4,251 / yoy_pct 19.1, Segment Securities Investments / Current fiscal year 16,398 / Prior-year period 3,359 / yoy_pct 388.2, Segment Other / Current fiscal year 1,617 / Prior-year period 1,740 / yoy_pct -7.1, Segment Total / Current fiscal year 104,396 / Prior-year period 87,037 / yoy_pct 19.9
Segment profitList Segment Corporate Sales / Current fiscal year 10,557 / Prior-year period 4,487 / yoy_pct 135.2, Segment Structured Finance / Current fiscal year 6,264 / Prior-year period 3,645 / yoy_pct 71.9, Segment Principal Transactions / Current fiscal year -218 / Prior-year period 13,676 / yoy_pct -101.6, Segment Financial Markets / Current fiscal year 608 / Prior-year period 98 / yoy_pct 520.4, Segment Showa Leasing / Current fiscal year 496 / Prior-year period 336 / yoy_pct 47.6, Segment Retail Banking / Current fiscal year 5,541 / Prior-year period 670 / yoy_pct 727, Segment Shinsei Financial / Current fiscal year 2,426 / Prior-year period 1,903 / yoy_pct 27.5, Segment APLUS / Current fiscal year 2,588 / Prior-year period 1,034 / yoy_pct 150.3, Segment Other Retail / Current fiscal year 2,270 / Prior-year period 3,650 / yoy_pct -37.8, Segment Overseas Business / Current fiscal year 2,765 / Prior-year period 1,917 / yoy_pct 44.2, Segment Securities Investments / Current fiscal year 15,310 / Prior-year period 2,135 / yoy_pct 617, Segment Other / Current fiscal year 2,255 / Prior-year period 1,909 / yoy_pct 18.1, Segment Total / Current fiscal year 50,866 / Prior-year period 35,466 / yoy_pct 43.4
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary incomeNot disclosed
Net incomeNot disclosed
Profit before income taxes¥132,000 million (YoY +8.1%)
Annual Dividend Forecast¥42 → 42.00 or more
Factors Behind Changes in Business Performance
For an overview of operating results, refer to the presentation materials for the first quarter of the fiscal year ending March 2027. In connection with the acquisition of shares in THE SHIMANE BANK,LTD. and THE FUKUSHIMA BANK,LTD., ¥8,490 million, equivalent to negative goodwill, was recognized as income from equity-method investments.
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 2 / Company name THE SHIMANE BANK,LTD., THE FUKUSHIMA BANK,LTD. / Excluded Not disclosed
Impairment loss△15
Breakdown of extraordinary income (loss)Extraordinary income ¥162 million / Extraordinary loss ¥16 million
Depreciation and amortization¥3,988 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person Institutional investors and analysts
Issued Shares at Period-End895,500,000 Shares
Treasury Shares at Period-End8,500,000 Shares
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 June 2026 |
| Ordinary income | ¥51,952 million (YoY +43.3%) |
| Profit attributable to owners of the parent | ¥38,466 million (YoY -13.0%) |
| Net income per share | ¥43.36 |
| Equity ratio | End of the current fiscal period 4.8 / End of previous period 5 |
| Total assets | ¥25,697,542 million |
| Net assets | ¥1,232,017 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income Not disclosed / Net income Not disclosed / Profit before income taxes ¥132,000 million (YoY +8.1%) |
| Annual Dividend Forecast | ¥42 → 42.00 or more |
| Segment revenue | Notes For management purposes, gross operating profit is presented instead of sales as used by general operating companies. / List Segment Corporate Sales / Current fiscal year 14,107 / Prior-year period 7,355 / yoy_pct 91.8, Segment Structured Finance / Current fiscal year 9,368 / Prior-year period 6,654 / yoy_pct 40.8, Segment Principal Transactions / Current fiscal year 994 / Prior-year period 15,112 / yoy_pct -93.4, Segment Financial Markets / Current fiscal year 1,232 / Prior-year period 692 / yoy_pct 78, Segment Showa Leasing / Current fiscal year 3,848 / Prior-year period 3,828 / yoy_pct 0.5, Segment Retail Banking / Current fiscal year 14,568 / Prior-year period 7,130 / yoy_pct 104.3, Segment Shinsei Financial / Current fiscal year 15,400 / Prior-year period 15,401 / yoy_pct 0, Segment APLUS / Current fiscal year 18,796 / Prior-year period 17,007 / yoy_pct 10.5, Segment Other Retail / Current fiscal year 3,001 / Prior-year period 4,501 / yoy_pct -33.3, Segment Overseas Business / Current fiscal year 5,062 / Prior-year period 4,251 / yoy_pct 19.1, Segment Securities Investments / Current fiscal year 16,398 / Prior-year period 3,359 / yoy_pct 388.2, Segment Other / Current fiscal year 1,617 / Prior-year period 1,740 / yoy_pct -7.1, Segment Total / Current fiscal year 104,396 / Prior-year period 87,037 / yoy_pct 19.9 |
| Segment profit | List Segment Corporate Sales / Current fiscal year 10,557 / Prior-year period 4,487 / yoy_pct 135.2, Segment Structured Finance / Current fiscal year 6,264 / Prior-year period 3,645 / yoy_pct 71.9, Segment Principal Transactions / Current fiscal year -218 / Prior-year period 13,676 / yoy_pct -101.6, Segment Financial Markets / Current fiscal year 608 / Prior-year period 98 / yoy_pct 520.4, Segment Showa Leasing / Current fiscal year 496 / Prior-year period 336 / yoy_pct 47.6, Segment Retail Banking / Current fiscal year 5,541 / Prior-year period 670 / yoy_pct 727, Segment Shinsei Financial / Current fiscal year 2,426 / Prior-year period 1,903 / yoy_pct 27.5, Segment APLUS / Current fiscal year 2,588 / Prior-year period 1,034 / yoy_pct 150.3, Segment Other Retail / Current fiscal year 2,270 / Prior-year period 3,650 / yoy_pct -37.8, Segment Overseas Business / Current fiscal year 2,765 / Prior-year period 1,917 / yoy_pct 44.2, Segment Securities Investments / Current fiscal year 15,310 / Prior-year period 2,135 / yoy_pct 617, Segment Other / Current fiscal year 2,255 / Prior-year period 1,909 / yoy_pct 18.1, Segment Total / Current fiscal year 50,866 / Prior-year period 35,466 / yoy_pct 43.4 |
| Depreciation and amortization | ¥3,988 million |
| Impairment loss | △15 |
| Breakdown of extraordinary income (loss) | Extraordinary income ¥162 million / Extraordinary loss ¥16 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 2 / Company name THE SHIMANE BANK,LTD., THE FUKUSHIMA BANK,LTD. / Excluded Not disclosed |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Institutional investors and analysts |
| Issued Shares at Period-End | 895,500,000 Shares |
| Treasury Shares at Period-End | 8,500,000 Shares |
| Factors Behind Changes in Business Performance | For an overview of operating results, refer to the presentation materials for the first quarter of the fiscal year ending March 2027. In connection with the acquisition of shares in THE SHIMANE BANK,LTD. and THE FUKUSHIMA BANK,LTD., ¥8,490 million, equivalent to negative goodwill, was recognized as income from equity-method investments. |
Items this document does not state (13)
Net SalesOperating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodRevision to Earnings ForecastPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogMaterial subsequent events
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 attached materials do not provide details on the reasons for changes in operating results and refer readers to the presentation materials. As the reason for the individual transactions, the Company explained that it acquired shares in THE SHIMANE BANK,LTD. and THE FUKUSHIMA BANK,LTD. to strengthen collaboration with both banks and enhance their medium- to long-term earnings capacity and corporate value, and recognized ¥8,490 million, equivalent to negative goodwill arising from the acquisitions, as income from equity-method investments.
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.