Worth reading
33Immaterial
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
2314
¥ millionWording
Conditional
How definitive the wording is.Results for this period
Third quarter1 April 2025 to 31 December 2025ConsolidatedJapanese GAAPNet Sales50,598¥ million (ordinary income)Year on year +39.6%
Ordinary income9,577¥ millionYear on year +31.8%Progress 78.5%
Net income attributable to owners of the parent6,561¥ million (profit attributable to owners of the parent)Year on year +27.2%
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 share380.97円
Financial position at period-end
Total assets3,863,677¥ million
of which net assets 192,495 ¥ millionEquity ratio 4.9%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.
Segment revenueBanking ¥45,971 million (ordinary income), Leasing ¥3,578 million (ordinary income), Credit card and credit guarantee services ¥573 million (ordinary income), Other ¥513 million (ordinary income)
Segment profitBanking ¥9,294 million, Leasing ¥85 million, Credit card and credit guarantee services ¥181 million, Other ¥127 million
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥12,200 million (YoY +24.7%)
Net income¥8,200 million (YoY +17.5%)
Revision to Earnings ForecastNo revision
Annual Dividend Forecast¥125 → ¥192（+53.6%）
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や株式等売却益などのその他経常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、国債等債券売却損などのその他業務費用および貸倒引当金繰入額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 consolidationNew 0 companies / Excluded 0 companies / Company name None
Impairment loss¥5 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥1 million / Extraordinary loss Losses on disposal of fixed assets ¥23 million, Impairment Losses ¥5 million
Depreciation and amortization¥1,265 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingNone (対象者：Not disclosed)
Issued Shares at Period-End18,497,786
Treasury Shares at Period-End1,243,169
| Item | Details |
|---|---|
| Fiscal Period Classification | Third quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025 to 31 December 2025 |
| Net Sales | ¥50,598 million (ordinary income) (YoY +39.6%) |
| Ordinary income | ¥9,577 million (YoY +31.8%) |
| Profit attributable to owners of the parent | ¥6,561 million (profit attributable to owners of the parent) (YoY +27.2%) |
| Net income per share | 380.97円 |
| Equity ratio | End of the current fiscal period 4.9 / End of previous period 4.8 |
| Total assets | ¥3,863,677 million |
| Net assets | ¥192,495 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥12,200 million (YoY +24.7%) / Net income ¥8,200 million (YoY +17.5%) |
| Revision to Earnings Forecast | No revision |
| Annual Dividend Forecast | ¥125 → ¥192（+53.6%） |
| Segment revenue | Banking ¥45,971 million (ordinary income), Leasing ¥3,578 million (ordinary income), Credit card and credit guarantee services ¥573 million (ordinary income), Other ¥513 million (ordinary income) |
| Segment profit | Banking ¥9,294 million, Leasing ¥85 million, Credit card and credit guarantee services ¥181 million, Other ¥127 million |
| Depreciation and amortization | ¥1,265 million |
| Impairment loss | ¥5 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥1 million / Extraordinary loss Losses on disposal of fixed assets ¥23 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 | New 0 companies / Excluded 0 companies / Company name None |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | None (対象者：Not disclosed) |
| Issued Shares at Period-End | 18,497,786 |
| Treasury Shares at Period-End | 1,243,169 |
| 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や株式等売却益などのその他経常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、国債等債券売却損などのその他業務費用および貸倒引当金繰入額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、株式等売却益などのその他経常収益が増加したため。経常費用は、預金利息などの資金調達費用、国債等債券売却損などのその他業務費用、貸倒引当金繰入額の増加などにより増加した。
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.