Worth reading
36Immaterial
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Mixed performance
Direction inferred from the company’s description.Scale
4823
¥ millionWording
Conditional
How definitive the wording is.Results for this period
First quarter1 April 2026 to 30 June 2026ConsolidatedJapanese GAAPNet Sales20,645¥ million (ordinary income)Year on year +30.4%
Ordinary income3,898¥ millionYear on year +0.9%Progress 26.7%
Net income attributable to owners of the parent2,737¥ millionYear on year -4.4%Progress 28.5%
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¥47.64
Financial position at period-end
Total assets3,425,988¥ million
of which net assets 170,153 ¥ millionEquity ratio 4.9%vs. prior year-end -0.7pt
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 revenueBanking ¥18,335 million (ordinary income from external customers) (YoY +35.2%), Leasing ¥2,217 million (ordinary income from external customers) (YoY +1.2%)
Segment profitBanking ¥3,861 million (YoY +1.2%), Leasing ¥44 million (YoY -34.3%)
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥14,600 million (YoY +14.8%)
Net income¥9,600 million (YoY +11.4%)
Annual Dividend Forecast¥10 → ¥20（+100.0%）
Factors Behind Changes in Business Performance
Ordinary income increased primarily because of increases in interest income, fees and commissions, and other ordinary income. Ordinary profit increased as increases in gains and losses related to stocks and other securities, among other factors, more than offset the increase in non-performing loan disposal costs.
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 consolidationNo material changes during the quarter (0 additions, 0 exclusions). ちば興銀カードサービス株式会社 was previously excluded from the scope of consolidation effective 1 July 2024.
Material subsequent eventsThe company resolved to repurchase its Class 2 preferred shares, 2nd Series Class 6 preferred shares, and 2nd Series Class 7 preferred shares. The company plans to repurchase up to 4,723 shares of the 2nd Series Class 7 preferred shares on 17 August 2026, with a maximum total acquisition price of ¥2,377,687,610.
Impairment lossNone applicable (material impairment loss related to non-current assets)
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥1 million / Extraordinary loss Losses on disposal of fixed assets ¥0 million
Depreciation and amortization¥532 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingNone (対象者：Not applicable)
Issued Shares at Period-End62,222,045
Treasury Shares at Period-End4,750,727
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 June 2026 |
| Net Sales | ¥20,645 million (ordinary income) (YoY +30.4%) |
| Ordinary income | ¥3,898 million (YoY +0.9%) |
| Profit attributable to owners of the parent | ¥2,737 million (YoY -4.4%) |
| Net income per share | ¥47.64 |
| Equity ratio | End of the current fiscal period 4.9 / End of previous period 5.6 |
| Total assets | ¥3,425,988 million |
| Net assets | ¥170,153 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥14,600 million (YoY +14.8%) / Net income ¥9,600 million (YoY +11.4%) |
| Annual Dividend Forecast | ¥10 → ¥20（+100.0%） |
| Segment revenue | Banking ¥18,335 million (ordinary income from external customers) (YoY +35.2%), Leasing ¥2,217 million (ordinary income from external customers) (YoY +1.2%) |
| Segment profit | Banking ¥3,861 million (YoY +1.2%), Leasing ¥44 million (YoY -34.3%) |
| Depreciation and amortization | ¥532 million |
| Impairment loss | None applicable (material impairment loss related to non-current assets) |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥1 million / Extraordinary loss Losses on disposal of fixed assets ¥0 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 | No material changes during the quarter (0 additions, 0 exclusions). ちば興銀カードサービス株式会社 was previously excluded from the scope of consolidation effective 1 July 2024. |
| Material subsequent events | The company resolved to repurchase its Class 2 preferred shares, 2nd Series Class 6 preferred shares, and 2nd Series Class 7 preferred shares. The company plans to repurchase up to 4,723 shares of the 2nd Series Class 7 preferred shares on 17 August 2026, with a maximum total acquisition price of ¥2,377,687,610. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | None (対象者：Not applicable) |
| Issued Shares at Period-End | 62,222,045 |
| Treasury Shares at Period-End | 4,750,727 |
| Factors Behind Changes in Business Performance | Ordinary income increased primarily because of increases in interest income, fees and commissions, and other ordinary income. Ordinary profit increased as increases in gains and losses related to stocks and other securities, among other factors, more than offset the increase in non-performing loan disposal costs. |
Items this document does not state (11)
Operating 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 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 company explained that ordinary profit increased because extraordinary gains and losses rose by ¥1,472 million, primarily reflecting a ¥432 million year-on-year increase in non-performing loan disposal costs, offset by a ¥2,171 million increase in gains and losses related to stocks and other securities. The company did not specify the reason for the decrease in net income attributable to owners of the parent in the main text.
How to read this page
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