Worth reading
42Recurring
Scored from 5 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
55.7
Year-on-year change (ordinary profit, %)Wording
Conditional
How definitive the wording is.Results for this period
First quarter1 April 2026 to 30 June 2026ConsolidatedJapanese GAAPOrdinary income7,575¥ millionYear on year +55.7%Progress 38.6%
Net income attributable to owners of the parent5,191¥ millionYear on year +52.5%Progress 39.9%
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¥20.77
Financial position at period-end
Total assets6,873,408¥ million
of which net assets 225,808 ¥ millionEquity ratio 3.2%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 profit
Banking8,04687.1%
Leasing3263.5%
Credit guarantees4454.8%
Other4184.5%
Segment revenueSegment Banking / Ordinary revenue ¥28,224 million / Year-on-year change ¥7,737 million, Segment Leasing / Ordinary revenue ¥2,615 million / Year-on-year change ¥353 million, Segment Credit guarantees / Ordinary revenue ¥649 million / Year-on-year change ¥82 million, Segment Other / Ordinary revenue ¥1,092 million / Year-on-year change ¥-71 million
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥19,600 million (YoY +14.7%)
Net income¥13,000 million (YoY +5.2%)
Revision to Earnings ForecastNo revision
Annual Dividend Forecast17 yen and sen → 21 yen and sen
Factors Behind Changes in Business Performance
Interest income on loans and interest and dividend income on securities increased due to the expansion of business loans and the steady accumulation of yen-denominated securities. Although gains and losses on securities declined as bonds were replaced, profit increased owing to higher net interest income and lower credit-related costs, among other factors.
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
Material subsequent eventsNo applicable matters.
Impairment lossNone applicable (material impairment loss related to non-current assets)
Breakdown of extraordinary income (loss)Extraordinary income None / Extraordinary loss Losses on disposal of fixed assets ¥30 million
Depreciation and amortization¥1,193 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingNone (対象者：Not disclosed)
Issued Shares at Period-End252,500,000 shares
Treasury Shares at Period-End2,612,616 shares
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 June 2026 |
| Ordinary income | ¥7,575 million (YoY +55.7%) |
| Profit attributable to owners of the parent | ¥5,191 million (YoY +52.5%) |
| Net income per share | ¥20.77 |
| Equity ratio | End of the current fiscal period 3.2 / End of previous period 3.2 |
| Total assets | ¥6,873,408 million |
| Net assets | ¥225,808 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥19,600 million (YoY +14.7%) / Net income ¥13,000 million (YoY +5.2%) |
| Revision to Earnings Forecast | No revision |
| Annual Dividend Forecast | 17 yen and sen → 21 yen and sen |
| Segment revenue | Segment Banking / Ordinary revenue ¥28,224 million / Year-on-year change ¥7,737 million, Segment Leasing / Ordinary revenue ¥2,615 million / Year-on-year change ¥353 million, Segment Credit guarantees / Ordinary revenue ¥649 million / Year-on-year change ¥82 million, Segment Other / Ordinary revenue ¥1,092 million / Year-on-year change ¥-71 million |
| Segment profit | Segment Banking / Segment profit ¥8,046 million / Year-on-year change ¥2,747 million, Segment Leasing / Segment profit ¥326 million / Year-on-year change ¥47 million, Segment Credit guarantees / Segment profit ¥445 million / Year-on-year change ¥-13 million, Segment Other / Segment profit ¥418 million / Year-on-year change ¥144 million |
| Depreciation and amortization | ¥1,193 million |
| Impairment loss | None applicable (material impairment loss related to non-current assets) |
| Breakdown of extraordinary income (loss) | Extraordinary income None / Extraordinary loss Losses on disposal of fixed assets ¥30 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 |
| Material subsequent events | No applicable matters. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | None (対象者：Not disclosed) |
| Issued Shares at Period-End | 252,500,000 shares |
| Treasury Shares at Period-End | 2,612,616 shares |
| Factors Behind Changes in Business Performance | Interest income on loans and interest and dividend income on securities increased due to the expansion of business loans and the steady accumulation of yen-denominated securities. Although gains and losses on securities declined as bonds were replaced, profit increased owing to higher net interest income and lower credit-related costs, among other factors. |
Items this document does not state (11)
Net SalesOperating 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 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 interest and dividend income on securities increased due to the expansion of business loans and the accumulation of yen-denominated securities. Although gains and losses on securities declined as bonds were replaced, profit increased owing to higher net interest income and lower credit-related costs, among other factors.
How to read this page
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