Revised forecast
Fiscal year ending March 2026 · Full yearPrevious forecast published 7 November 2025The bar length represents the relative magnitude of change, based on the item that changed the most in this document. The percentage change shown by the dotted line is calculated from the two reported figures because the company did not provide the rate.
Net credit costs are expected to be below the previous forecast due to the steady performance of the loan business, cost reductions, particularly in property-related expenses, and improvements in asset quality. In addition, tax expenses are expected to decline due to additional recognition of deferred tax assets and the tax-free treatment of certain provisions recognized in previous fiscal years. The increase in ordinary revenues is primarily attributable to higher funds investment income resulting from increases in benchmark lending rates and market interest rates.
| Item | Details |
|---|---|
| Net Sales | Not disclosed → Consolidated ordinary revenues (current fiscal year forecast) 109,500 / Non-consolidated ordinary revenues (current fiscal year forecast) 100,500（Consolidated ordinary revenues 20.2 / Non-consolidated ordinary revenues 20.8） |
| Ordinary income | Consolidated 31,000 / Individual 30,500 → Consolidated 35,000 / Individual 34,000（Consolidated 12.9 / Individual 11.5） |
| Profit attributable to owners of the parent | Consolidated 25,000 / Individual 25,000 → Consolidated 34,000 / Individual 33,500（Consolidated 36 / Individual 34） |
| Net income per share | Consolidated 143.05 / Individual 143.05 → Consolidated 194.39 / Individual 191.53 |
| Fiscal Period Covered | Fiscal year ending March 2026 |
| Period Covered | Full year |
| Publication date of previous forecast | 7 November 2025 |
| Previous-period results | Consolidated: ordinary profit of ¥26,159 million, net income attributable to owners of the parent of ¥20,177 million, net income per share of ¥106.84, and ordinary revenues of ¥91,092 million. Non-consolidated: ordinary profit of ¥25,649 million, net income of ¥19,784 million, net income per share of ¥104.76, and ordinary revenues of ¥83,186 million. |
| Reason for the revision | Net credit costs are expected to be below the previous forecast due to the steady performance of the loan business, cost reductions, particularly in property-related expenses, and improvements in asset quality. In addition, tax expenses are expected to decline due to additional recognition of deferred tax assets and the tax-free treatment of certain provisions recognized in previous fiscal years. The increase in ordinary revenues is primarily attributable to higher funds investment income resulting from increases in benchmark lending rates and market interest rates. |
| Dividend forecast revision | The year-end dividend forecast has been increased by ¥16.00 per share, from ¥22.00 to ¥38.00. The annual dividend forecast has been increased by ¥16.00, from ¥44.00 to ¥60.00. |
| Consolidated / non-consolidated | Consolidated / non-consolidated (standalone) |
Items this document does not state (2)
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.The loan business has performed steadily, while cost reductions, particularly in property-related expenses, and improvements in asset quality are expected to bring net credit costs below the previous forecast. Net income is also expected to benefit from lower tax expenses due to additional recognition of deferred tax assets and the tax-free treatment of certain provisions recognized in previous fiscal years. The increase in ordinary revenues is primarily attributable to higher funds investment income resulting from increases in benchmark lending rates and market interest rates, in addition to the steady performance of the loan business.