Worth reading
32Immaterial
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
2045
¥ million (year-on-year increase in ordinary profit)Wording
Conditional
How definitive the wording is.Results for this period
Third quarter2024年4月1日〜2024年12月31日ConsolidatedJapanese GAAPNet Sales36,242¥ millionYear on year +12.7%
Ordinary income7,263¥ millionYear on year +39.1%Progress 75.7%
Net income attributable to owners of the parent5,157¥ millionYear on year +52.3%Progress 79.3%
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 share301.06円
Financial position at period-end
Total assets3,812,426¥ million
of which net assets 193,785 ¥ millionEquity ratio 5.0%vs. prior year-end 0.0pt
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 revenue
Banking31,89888.0%
Leasing3,3139.1%
クレジットカード・信用保証業6191.7%
Other4111.1%
Segment profit
Banking7,310
Leasing-14
クレジットカード・信用保証業187
Other116
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥9,600 million (YoY +38.0%)
Net income¥6,500 million (YoY +53.8%)
Revision to Earnings ForecastNo revision
Annual Dividend Forecast¥80 → ¥120（+50.0%）
Factors Behind Changes in Business Performance
貸出金利息や有価証券利息配当金などの資金運用収益や役務取引等収益が増加したことなどから経常収益が増加した。預金利息などの資金調達費用や国債等債券償還損などのその他業務費用、貸倒引当金繰入額が増加したことなどから経常費用も増加したが、経常利益は増益となった。
Disclosure regarding the going concern assumption
Not applicable.
Change in accounting policy
基準改正に伴う変更 Yes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 Not disclosed / Excluded Not disclosed / Company name Not disclosed / Material changes No
Impairment loss¥33 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥31 million / Extraordinary loss Losses on disposal of fixed assets ¥25 million, Impairment Losses ¥33 million
Depreciation and amortization¥1,376 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingNo
Issued Shares at Period-End18,497,786 Shares
Treasury Shares at Period-End1,307,145 Shares
| Item | Details |
|---|---|
| Fiscal Period Classification | Third quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 2024年4月1日〜2024年12月31日 |
| Net Sales | ¥36,242 million (YoY +12.7%) |
| Ordinary income | ¥7,263 million (YoY +39.1%) |
| Profit attributable to owners of the parent | ¥5,157 million (YoY +52.3%) |
| Net income per share | 301.06円 |
| Equity ratio | End of the current fiscal period 5 / End of previous period 5 |
| Total assets | ¥3,812,426 million |
| Net assets | ¥193,785 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥9,600 million (YoY +38.0%) / Net income ¥6,500 million (YoY +53.8%) |
| Revision to Earnings Forecast | No revision |
| Annual Dividend Forecast | ¥80 → ¥120（+50.0%） |
| Segment revenue | Banking ¥31,898 million / Leasing ¥3,313 million / クレジットカード・信用保証業 ¥619 million / Other ¥411 million |
| Segment profit | Banking ¥7,310 million / Leasing ¥-14 million / クレジットカード・信用保証業 ¥187 million / Other ¥116 million |
| Depreciation and amortization | ¥1,376 million |
| Impairment loss | ¥33 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥31 million / Extraordinary loss Losses on disposal of fixed assets ¥25 million, Impairment Losses ¥33 million |
| Disclosure regarding the going concern assumption | Not applicable. |
| Change in accounting policy | Changes due to revisions to standards Yes / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | New Not disclosed / Excluded Not disclosed / Company name Not disclosed / Material changes No |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | No |
| Issued Shares at Period-End | 18,497,786 Shares |
| Treasury Shares at Period-End | 1,307,145 Shares |
| Factors Behind Changes in Business Performance | 貸出金利息や有価証券利息配当金などの資金運用収益や役務取引等収益が増加したことなどから経常収益が増加した。預金利息などの資金調達費用や国債等債券償還損などのその他業務費用、貸倒引当金繰入額が増加したことなどから経常費用も増加したが、経常利益は増益となった。 |
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 periodPayout 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.貸出金利息や有価証券利息配当金などの資金運用収益、役務取引等収益が増加したことなどから、経常収益が増加した。
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.