Worth reading
51Recurring
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
3071
¥ millionWording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPOrdinary income12,851¥ millionYear on year +31.3%Progress 88.6%
Net income attributable to owners of the parent8,919¥ millionYear on year +27.8%Progress 89.2%
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 share¥129.40
Financial position at period-end
Total assets3,913,713¥ million
of which net assets 194,750 ¥ 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.
Cash inflows and outflows
Operating+22,572
Investment+49,671
Financials-2,677
Net change+69,566
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¥387,606 million
Segment profit
Banking12,713+33.1%
Leasing139+16.8%
Credit card and credit guarantee services-37+202.0%
Segment revenueSegment Banking / Ordinary revenue ¥71,585 million / Year on year against the same period last year Up 63.7% year on year, Segment Leasing / Ordinary revenue ¥4,784 million / Year on year against the same period last year Up 3.9% year on year, Segment Credit card and credit guarantee services / Ordinary revenue ¥1,045 million / Year on year against the same period last year Down 9.6% year on year
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥14,500 million (YoY +12.8%)
Net income¥10,000 million (YoY +12.1%)
Annual Dividend Forecast¥125 → ¥58（Up 85.6%）
Payout ratio40.1%
Shareholder Return PolicyThe company’s basic policy is progressive dividends, with a dividend payout ratio of at least 40% of net income attributable to owners of the parent. The company will also repurchase treasury shares after taking into account market conditions and its earnings outlook.
Factors Behind Changes in Business Performance
Ordinary income increased due to higher funds investment income and gains on sales of shares and other securities. Ordinary expenses also increased due to higher funding costs and losses on sales and redemption of Japanese government bonds and other bonds, but ordinary profit and net income attributable to owners of the parent increased.
Disclosure regarding the going concern assumption
None ("There are 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
Material subsequent eventsEffective 1 April 2026, the company will split each common share into 4 shares. The purpose is to lower the investment unit, improve share liquidity, and broaden the investor base.
Impairment loss¥14 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥1 million / Extraordinary loss Losses on disposal of fixed assets ¥48 million, Impairment Losses ¥14 million
Depreciation and amortization¥1,704 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingAvailable (for institutional investors and analysts)
Issued Shares at Period-End73,991,144 shares
Treasury Shares at Period-End4,958,584 shares
| 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 | ¥12,851 million (YoY +31.3%) |
| Profit attributable to owners of the parent | ¥8,919 million (YoY +27.8%) |
| Net income per share | ¥129.40 |
| Equity ratio | End of the current fiscal period 4.9% / End of previous period 4.8% |
| Total assets | ¥3,913,713 million |
| Net assets | ¥194,750 million |
| Cash flows from operating activities | ¥22,572 million |
| Cash flows from investing activities | ¥49,671 million |
| Cash flows from financing activities | ¥-2,677 million |
| Cash and cash equivalents at end of period | ¥387,606 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥14,500 million (YoY +12.8%) / Net income ¥10,000 million (YoY +12.1%) |
| Annual Dividend Forecast | ¥125 → ¥58（Up 85.6%） |
| Payout ratio | 40.1% |
| Shareholder Return Policy | The company’s basic policy is progressive dividends, with a dividend payout ratio of at least 40% of net income attributable to owners of the parent. The company will also repurchase treasury shares after taking into account market conditions and its earnings outlook. |
| Segment revenue | Segment Banking / Ordinary revenue ¥71,585 million / Year on year against the same period last year Up 63.7% year on year, Segment Leasing / Ordinary revenue ¥4,784 million / Year on year against the same period last year Up 3.9% year on year, Segment Credit card and credit guarantee services / Ordinary revenue ¥1,045 million / Year on year against the same period last year Down 9.6% year on year |
| Segment profit | Segment Banking / Segment profit ¥12,713 million / Year on year against the same period last year Up 33.1% year on year, Segment Leasing / Segment profit ¥139 million / Year on year against the same period last year Down 16.8% year on year, Segment Credit card and credit guarantee services / Segment profit ¥-37 million / Year on year against the same period last year Turned from a ¥202 million profit to a ¥37 million loss |
| Depreciation and amortization | ¥1,704 million |
| Impairment loss | ¥14 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥1 million / Extraordinary loss Losses on disposal of fixed assets ¥48 million, Impairment Losses ¥14 million |
| Disclosure regarding the going concern assumption | None ("There are 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 |
| Material subsequent events | Effective 1 April 2026, the company will split each common share into 4 shares. The purpose is to lower the investment unit, improve share liquidity, and broaden the investor base. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Available (for institutional investors and analysts) |
| Issued Shares at Period-End | 73,991,144 shares |
| Treasury Shares at Period-End | 4,958,584 shares |
| Factors Behind Changes in Business Performance | Ordinary income increased due to higher funds investment income and gains on sales of shares and other securities. Ordinary expenses also increased due to higher funding costs and losses on sales and redemption of Japanese government bonds and other bonds, but ordinary profit and net income attributable to owners of the parent increased. |
Items this document does not state (6)
Net SalesOperating profitOperating MarginRevision to Earnings ForecastRegional 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.Interest income on loans and funds investment income, including interest and dividends on securities, increased, as did gains on sales of shares and other securities. Meanwhile, funding costs, including interest expenses on deposits, increased, as did losses on sales and redemption of Japanese government bonds and other bonds. For the next fiscal year, the forecast incorporates an increase in funds investment income, including interest income on loans.
How to read this page
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