Worth reading
43Recurring
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
2541
¥ million (year-on-year increase in ordinary profit)Wording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPOrdinary income9,046¥ millionYear on year +39.1%Progress 74.8%
Net income attributable to owners of the parent6,528¥ millionYear on year +48.0%Progress 87.0%
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¥207.86
Financial position at period-end
Total assets3,276,712¥ million
of which net assets 150,626 ¥ millionEquity ratio 4.6%vs. prior year-end +0.3pt
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+26,449
Investment-37,832
Financials-3,479
Net change-14,862
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ million).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 period¥186,286 million
Segment revenueBanking ¥55,168 million, Leasing ¥6,490 million, Credit guarantees ¥212 million
Segment profitBanking ¥8,411 million, Leasing ¥241 million, Credit guarantees ¥629 million
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥12,100 million (YoY +33.7%)
Net income¥7,500 million (YoY +14.9%)
Annual Dividend Forecast¥84 → ¥98（+16.7%）
Payout ratio40.4
Factors Behind Changes in Business Performance
Increase in funds investment income, including interest on loans and interest and dividends on securities. The main factor behind the increase in ordinary expenses was higher funds procurement costs, including interest on deposits.
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 consolidationWhether applicable No / New 0 companies / Excluded 0 companies / Company name Not disclosed
Material subsequent eventsA resolution was passed to acquire treasury shares. The acquisition will be capped at 170,000 common shares and a total acquisition price of ¥500 million, with the acquisition period running from 18 May to 31 August 2026.
Impairment loss¥5 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥0 million / Extraordinary loss Losses on disposal of fixed assets ¥13 million, Impairment Losses ¥5 million
Depreciation and amortization¥1,718 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person Not disclosed
Issued Shares at Period-End32,216,115
Treasury Shares at Period-End1,209,642
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Ordinary income | ¥9,046 million (YoY +39.1%) |
| Profit attributable to owners of the parent | ¥6,528 million (YoY +48.0%) |
| Net income per share | ¥207.86 |
| Equity ratio | End of the current fiscal period 4.6 / End of previous period 4.3 |
| Total assets | ¥3,276,712 million |
| Net assets | ¥150,626 million |
| Cash flows from operating activities | ¥26,449 million |
| Cash flows from investing activities | ¥-37,832 million |
| Cash flows from financing activities | ¥-3,479 million |
| Cash and cash equivalents at end of period | ¥186,286 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥12,100 million (YoY +33.7%) / Net income ¥7,500 million (YoY +14.9%) |
| Annual Dividend Forecast | ¥84 → ¥98（+16.7%） |
| Payout ratio | 40.4 |
| Segment revenue | Banking ¥55,168 million, Leasing ¥6,490 million, Credit guarantees ¥212 million |
| Segment profit | Banking ¥8,411 million, Leasing ¥241 million, Credit guarantees ¥629 million |
| Depreciation and amortization | ¥1,718 million |
| Impairment loss | ¥5 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥0 million / Extraordinary loss Losses on disposal of fixed assets ¥13 million, Impairment Losses ¥5 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 | Whether applicable No / New 0 companies / Excluded 0 companies / Company name Not disclosed |
| Material subsequent events | A resolution was passed to acquire treasury shares. The acquisition will be capped at 170,000 common shares and a total acquisition price of ¥500 million, with the acquisition period running from 18 May to 31 August 2026. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Not disclosed |
| Issued Shares at Period-End | 32,216,115 |
| Treasury Shares at Period-End | 1,209,642 |
| Factors Behind Changes in Business Performance | Increase in funds investment income, including interest on loans and interest and dividends on securities. The main factor behind the increase in ordinary expenses was higher funds procurement costs, including interest on deposits. |
Items this document does not state (7)
Net SalesOperating profitOperating MarginRevision to Earnings ForecastShareholder 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 main factor behind the increase in ordinary income was growth in funds investment income, including interest on loans and interest and dividends on securities. Ordinary expenses increased mainly because of higher funds procurement costs, including interest on deposits.
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.