Worth reading
65In focus
Scored from 4 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
50
¥100 million (amount of upward revision to the consolidated ordinary profit forecast)Wording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPOrdinary income51,570¥ millionYear on year +27.1%Progress 51.6%
Net income attributable to owners of the parent34,933¥ millionYear on year +25.4%Progress 51.8%
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¥92.29
Financial position at period-end
Total assets10,486,506¥ million
of which net assets 622,576 ¥ millionEquity ratio 5.9%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.
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥100,000 million (YoY +17.8%)
Net income¥67,500 million (YoY +14.7%)
Revision to Earnings ForecastOrdinary income ¥950 100 million → ¥1,000 100 million / Profit attributable to owners of the parent ¥650 100 million → ¥675 100 million
Annual Dividend Forecast¥62 → ¥74
Payout ratio41.5% (forecast)
Shareholder Return PolicyFrom the fiscal year ending March 2025, the basic dividend policy will be progressive dividends, with a payout ratio of approximately 40% of net income attributable to owners of the parent. Treasury share repurchases will be conducted flexibly.
Factors Behind Changes in Business Performance
Higher funds investment income, including interest on loans, among other factors. The main factors were higher interest on loans resulting from an increase in loan balances and higher yields, as well as an increase in non-interest income.
Disclosure regarding the going concern assumption
Not applicable (Note on going concern: No applicable matters)
Change in accounting policy
基準改正に伴う変更 Availableそれ以外の変更 None見積りの変更 None修正再表示 None
Changes in the scope of consolidationNew 0 / Excluded 0 / Company name Not applicable
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of non-current assets ¥61 million / Extraordinary loss Loss on disposal of fixed assets ¥387 million
Availability of Supplementary Financial Results MaterialsAvailable
Availability of Financial Results BriefingYes (for institutional investors and analysts)
Issued Shares at Period-End395,888,177 shares
Treasury Shares at Period-End17,342,059 shares
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 September 2026 |
| Ordinary income | ¥51,570 million (YoY +27.1%) |
| Profit attributable to owners of the parent | ¥34,933 million (YoY +25.4%) |
| Net income per share | ¥92.29 |
| Equity ratio | End of the current fiscal period 5.9% / End of previous period 5.7% |
| Total assets | ¥10,486,506 million |
| Net assets | ¥622,576 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥100,000 million (YoY +17.8%) / Net income ¥67,500 million (YoY +14.7%) |
| Revision to Earnings Forecast | Ordinary income ¥950 100 million → ¥1,000 100 million / Profit attributable to owners of the parent ¥650 100 million → ¥675 100 million |
| Annual Dividend Forecast | ¥62 → ¥74 |
| Payout ratio | 41.5% (forecast) |
| Shareholder Return Policy | From the fiscal year ending March 2025, the basic dividend policy will be progressive dividends, with a payout ratio of approximately 40% of net income attributable to owners of the parent. Treasury share repurchases will be conducted flexibly. |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of non-current assets ¥61 million / Extraordinary loss Loss on disposal of fixed assets ¥387 million |
| Disclosure regarding the going concern assumption | Not applicable (Note on going concern: No applicable matters) |
| Change in accounting policy | Changes due to revisions to standards Available / Other changes None / Change in accounting estimate None / Restatement None |
| Changes in the scope of consolidation | New 0 / Excluded 0 / Company name Not applicable |
| Availability of Supplementary Financial Results Materials | Available |
| Availability of Financial Results Briefing | Yes (for institutional investors and analysts) |
| Issued Shares at Period-End | 395,888,177 shares |
| Treasury Shares at Period-End | 17,342,059 shares |
| Factors Behind Changes in Business Performance | Higher funds investment income, including interest on loans, among other factors. The main factors were higher interest on loans resulting from an increase in loan balances and higher yields, as well as an increase in non-interest income. |
Items this document does not state (14)
Net SalesOperating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodSegment revenueSegment profitRegional salesOrders received and order backlogDepreciation and amortizationImpairment lossMaterial 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.Based on results and other factors through the second quarter, the full-year forecasts were revised upward. During the interim period, ordinary income increased due in part to higher funds investment income, including interest on loans. The increase in loan balances and higher loan yields, which resulted in higher interest on loans, were among the factors driving the increase in performance.
How to read this page
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Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.