Worth reading
38Recurring
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
702
¥ million (year-on-year increase in ordinary profit)Wording
Conditional
How definitive the wording is.Results for this period
First quarter2025年4月1日〜2025年6月30日ConsolidatedJapanese GAAPNet Sales14,183¥ millionYear on year +20.2%
Ordinary income3,133¥ millionYear on year +28.8%Progress 28.7%
Net income attributable to owners of the parent2,199¥ millionYear on year +24.6%Progress 29.3%
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 share127.87円
Financial position at period-end
Total assets3,837,230¥ million
of which net assets 192,111 ¥ millionEquity ratio 5.0%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.
Segment revenueBanking ¥12,692 million, Leasing ¥1,148 million, Credit card and credit guarantee services ¥193 million, Other ¥167 million
Segment profitBanking ¥3,111 million, Leasing ¥6 million, Credit card and credit guarantee services ¥84 million, Other ¥42 million
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥10,900 million (YoY +11.4%)
Net income¥7,500 million (YoY +7.5%)
Revision to Earnings ForecastNo
Annual Dividend Forecast¥125 → ¥135（+8.0%）
Factors Behind Changes in Business Performance
経常収益は、貸出金利息や有価証券利息配当金などの資金運用収益が増加したことなどから増加。経常費用は、預金利息などの資金調達費用が増加したことなどから増加。
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 (no companies newly consolidated or excluded)
Impairment loss¥1 million
Breakdown of extraordinary income (loss)No ¥0 million, Losses on disposal of fixed assets ¥5 million, Impairment Losses ¥1 million, Total extraordinary loss ¥7 million
Depreciation and amortization¥413 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingNo
Issued Shares at Period-End18,497,786
Treasury Shares at Period-End1,284,838
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 2025年4月1日〜2025年6月30日 |
| Net Sales | ¥14,183 million (YoY +20.2%) |
| Ordinary income | ¥3,133 million (YoY +28.8%) |
| Profit attributable to owners of the parent | ¥2,199 million (YoY +24.6%) |
| Net income per share | 127.87円 |
| Equity ratio | End of the current fiscal period 5 / End of previous period 4.8 |
| Total assets | ¥3,837,230 million |
| Net assets | ¥192,111 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥10,900 million (YoY +11.4%) / Net income ¥7,500 million (YoY +7.5%) |
| Revision to Earnings Forecast | No |
| Annual Dividend Forecast | ¥125 → ¥135（+8.0%） |
| Segment revenue | Banking ¥12,692 million, Leasing ¥1,148 million, Credit card and credit guarantee services ¥193 million, Other ¥167 million |
| Segment profit | Banking ¥3,111 million, Leasing ¥6 million, Credit card and credit guarantee services ¥84 million, Other ¥42 million |
| Depreciation and amortization | ¥413 million |
| Impairment loss | ¥1 million |
| Breakdown of extraordinary income (loss) | No ¥0 million, Losses on disposal of fixed assets ¥5 million, Impairment Losses ¥1 million, Total extraordinary loss ¥7 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 (no companies newly consolidated or excluded) |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | No |
| Issued Shares at Period-End | 18,497,786 |
| Treasury Shares at Period-End | 1,284,838 |
| Factors Behind Changes in Business Performance | 経常収益は、貸出金利息や有価証券利息配当金などの資金運用収益が増加したことなどから増加。経常費用は、預金利息などの資金調達費用が増加したことなどから増加。 |
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が増加したこと。経常費用については、預金利息などの資金調達費用が増加したこと。
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.