Worth reading
48Recurring
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
37.2
Year-on-year percentage (ordinary profit)Wording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPNet Sales83,943¥ millionYear on year +88.3%Progress 57.0%
Ordinary income12,530¥ millionYear on year +37.2%Progress 52.6%
Net income attributable to owners of the parent8,580¥ millionYear on year +36.8%Progress 53.6%
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¥34.33
Financial position at period-end
Total assets6,643,419¥ million
of which net assets 222,690 ¥ millionEquity ratio 3.3%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 profit
Banking12,45987.8%
Leasing4393.1%
Credit guarantees7625.4%
Other5283.7%
Segment revenueSegment Banking / Ordinary revenue ¥78,840 million / Year-on-year change in amount ¥38,641 million, Segment Leasing / Ordinary revenue ¥5,195 million / Year-on-year change in amount ¥934 million, Segment Credit guarantees / Ordinary revenue ¥996 million / Year-on-year change in amount ¥45 million, Segment Other / Ordinary revenue ¥1,843 million / Year-on-year change in amount ¥-45 million
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥147,200 million (YoY +59.2%)
Operating profitNot disclosed
Ordinary income¥23,800 million (YoY +39.3%)
Net income¥16,000 million (YoY +29.5%)
Annual Dividend Forecast17 Yen → 26 Yen
Payout ratio40.6% (forecast)
Shareholder Return PolicyTarget dividend payout ratio of 40% of net income attributable to owners of the parent
Factors Behind Changes in Business Performance
Expansion of business-purpose lending, buildup of yen-denominated securities holdings, an increase in assets under custody through a comprehensive business alliance with Nomura Securities, an increase in fee and commission income, and recognition of a gain on the cancellation of an asset swap. Expenses increased, but profit rose as a result of top-line growth.
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 consolidationSignificant Changes During the Interim Period No / New 0 companies / Excluded 0 companies / Company name Not disclosed / Reference The number of consolidated subsidiaries decreased from 8 to 7. とうほう証券株式会社 completed its liquidation on 27 January 2026, before the interim period.
Impairment loss¥7 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥1 million / Extraordinary loss Loss on disposal of property, plant and equipment ¥83 million, Impairment loss ¥7 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingNo
Issued Shares at Period-End252,500,000 shares
Treasury Shares at Period-End2,530,447 shares
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 September 2026 |
| Net Sales | ¥83,943 million (YoY +88.3%) |
| Ordinary income | ¥12,530 million (YoY +37.2%) |
| Profit attributable to owners of the parent | ¥8,580 million (YoY +36.8%) |
| Net income per share | ¥34.33 |
| Equity ratio | End of the current fiscal period 3.3% / End of previous period 3.2% |
| Total assets | ¥6,643,419 million |
| Net assets | ¥222,690 million |
| Full-year earnings forecast | Net Sales ¥147,200 million (YoY +59.2%) / Operating profit Not disclosed / Ordinary income ¥23,800 million (YoY +39.3%) / Net income ¥16,000 million (YoY +29.5%) |
| Annual Dividend Forecast | 17 Yen → 26 Yen |
| Payout ratio | 40.6% (forecast) |
| Shareholder Return Policy | Target dividend payout ratio of 40% of net income attributable to owners of the parent |
| Segment revenue | Segment Banking / Ordinary revenue ¥78,840 million / Year-on-year change in amount ¥38,641 million, Segment Leasing / Ordinary revenue ¥5,195 million / Year-on-year change in amount ¥934 million, Segment Credit guarantees / Ordinary revenue ¥996 million / Year-on-year change in amount ¥45 million, Segment Other / Ordinary revenue ¥1,843 million / Year-on-year change in amount ¥-45 million |
| Segment profit | Segment Banking / Segment profit ¥12,459 million / Year-on-year change in amount ¥3,242 million, Segment Leasing / Segment profit ¥439 million / Year-on-year change in amount ¥91 million, Segment Credit guarantees / Segment profit ¥762 million / Year-on-year change in amount ¥58 million, Segment Other / Segment profit ¥528 million / Year-on-year change in amount ¥222 million |
| Impairment loss | ¥7 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥1 million / Extraordinary loss Loss on disposal of property, plant and equipment ¥83 million, Impairment loss ¥7 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 | Significant Changes During the Interim Period No / New 0 companies / Excluded 0 companies / Company name Not disclosed / Reference The number of consolidated subsidiaries decreased from 8 to 7. とうほう証券株式会社 completed its liquidation on 27 January 2026, before the interim period. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | No |
| Issued Shares at Period-End | 252,500,000 shares |
| Treasury Shares at Period-End | 2,530,447 shares |
| Factors Behind Changes in Business Performance | Expansion of business-purpose lending, buildup of yen-denominated securities holdings, an increase in assets under custody through a comprehensive business alliance with Nomura Securities, an increase in fee and commission income, and recognition of a gain on the cancellation of an asset swap. Expenses increased, but profit rose as a result of top-line growth. |
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 periodRevision to Earnings ForecastRegional salesOrders received and order backlogDepreciation and amortizationMaterial 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.Interest on loans and interest and dividend income on securities increased as a result of expanding business-purpose lending and building up yen-denominated securities holdings. Assets under custody increased through a comprehensive business alliance with Nomura Securities, fee and commission income also increased, and a gain on the cancellation of an asset swap was recognized. Expenses increased due to investments in human capital, systems and digital initiatives, and alliances, but profit increased as a result of top-line growth.
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