Worth reading
61In focus
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
2000
¥ millionWording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPNet Sales72,502¥ millionYear on year +48.2%Progress 56.2%
Ordinary income16,898¥ millionYear on year +44.4%Progress 52.5%
Net income attributable to owners of the parent10,363¥ millionYear on year +27.8%Progress 49.8%
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¥106.43
Financial position at period-end
Total assets5,622,933¥ million
of which net assets 274,941 ¥ millionEquity ratio 4.8%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 and cash equivalents at end of period¥127,441 million
Segment revenueBanking ¥66,515 million (YoY +56.2%), Leasing ¥5,761 million (YoY -4.8%), Credit guarantees ¥741 million (YoY +4.1%), Other ¥1,451 million (YoY +12.6%)
Segment profitBanking ¥16,888 million (YoY +46.2%), Leasing ¥106 million (YoY -33.3%), Credit guarantees ¥655 million (YoY +1.6%), Other ¥219 million (YoY -7.6%)
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥129,000 million (YoY +22.0%)
Operating profitNot disclosed
Ordinary income¥32,200 million (YoY +41.1%)
Net income¥20,800 million (YoY +34.9%)
Revision to Earnings ForecastConsolidated Ordinary revenue ¥127,000 million → ¥129,000 million（+1.6%） / Ordinary income ¥30,200 million → ¥32,200 million（+6.6%） / Profit attributable to owners of the parent ¥19,500 million → ¥20,800 million（+6.7%） / Individual Ordinary revenue ¥101,700 million → ¥115,700 million（+13.8%） / Ordinary income ¥27,600 million → ¥31,100 million（+12.7%） / Net income for the current fiscal year ¥19,000 million → ¥20,300 million（+6.8%）
Annual Dividend Forecast90 Yen → 86 Yen（Not directly comparable）
Factors Behind Changes in Business Performance
Investment income increased, mainly from interest on loans and interest and dividends on securities, while funding costs increased, mainly due to interest on deposits. Supplementary materials cite higher net interest income and increased gains on sales of shares, among other factors, as drivers of the increase in ordinary profit.
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 0 / Excluded 0 / Company name No
Material subsequent eventsNo applicable matters
Impairment lossNo applicable matters
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥84 million / Extraordinary loss Loss on disposal of property, plant and equipment ¥2 million
Depreciation and amortization¥2,116 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person For institutional investors and analysts
Issued Shares at Period-End100,216,368
Treasury Shares at Period-End3,150,652
| 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 |
| Net Sales | ¥72,502 million (YoY +48.2%) |
| Ordinary income | ¥16,898 million (YoY +44.4%) |
| Profit attributable to owners of the parent | ¥10,363 million (YoY +27.8%) |
| Net income per share | ¥106.43 |
| Equity ratio | End of the current fiscal period 4.8 / End of previous period 4.9 |
| Total assets | ¥5,622,933 million |
| Net assets | ¥274,941 million |
| Cash and cash equivalents at end of period | ¥127,441 million |
| Full-year earnings forecast | Net Sales ¥129,000 million (YoY +22.0%) / Operating profit Not disclosed / Ordinary income ¥32,200 million (YoY +41.1%) / Net income ¥20,800 million (YoY +34.9%) |
| Revision to Earnings Forecast | Consolidated Ordinary revenue ¥127,000 million → ¥129,000 million（+1.6%） / Ordinary income ¥30,200 million → ¥32,200 million（+6.6%） / Profit attributable to owners of the parent ¥19,500 million → ¥20,800 million（+6.7%） / Individual Ordinary revenue ¥101,700 million → ¥115,700 million（+13.8%） / Ordinary income ¥27,600 million → ¥31,100 million（+12.7%） / Net income for the current fiscal year ¥19,000 million → ¥20,300 million（+6.8%） |
| Annual Dividend Forecast | 90 Yen → 86 Yen（Not directly comparable） |
| Segment revenue | Banking ¥66,515 million (YoY +56.2%), Leasing ¥5,761 million (YoY -4.8%), Credit guarantees ¥741 million (YoY +4.1%), Other ¥1,451 million (YoY +12.6%) |
| Segment profit | Banking ¥16,888 million (YoY +46.2%), Leasing ¥106 million (YoY -33.3%), Credit guarantees ¥655 million (YoY +1.6%), Other ¥219 million (YoY -7.6%) |
| Depreciation and amortization | ¥2,116 million |
| Impairment loss | No applicable matters |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥84 million / Extraordinary loss Loss on disposal of property, plant and equipment ¥2 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 0 / Excluded 0 / Company name No |
| Material subsequent events | No applicable matters |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person For institutional investors and analysts |
| Issued Shares at Period-End | 100,216,368 |
| Treasury Shares at Period-End | 3,150,652 |
| Factors Behind Changes in Business Performance | Investment income increased, mainly from interest on loans and interest and dividends on securities, while funding costs increased, mainly due to interest on deposits. Supplementary materials cite higher net interest income and increased gains on sales of shares, among other factors, as drivers of the increase in ordinary profit. |
Items this document does not state (9)
Operating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesPayout ratioShareholder 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.The full-year earnings forecast was revised based on the interim results. The company states that the increase in interim profit reflected higher investment income, mainly from interest on loans and interest and dividends on securities, while funding costs also increased, mainly due to interest on deposits.
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.