Revised forecast
Fiscal year ending March 2027 · Cumulative second quarter, Full yearPrevious forecast published 14 May 2026The bar length represents the relative magnitude of change, based on the item that changed the most in this document.
Core gross operating profit is expected to exceed the previous forecast due to the smooth progress of new loan originations and the incorporation of higher interest rates, among other factors; reversal gains on the allowance for loan losses exceeded expectations; and actual credit costs are expected to come in below forecast due to the impact of preventive provisioning and other factors. The full-year forecast also reflects strong performance through the interim period, the expected financial and economic environment and business performance going forward, and the tax burden ratio.
| Item | Details |
|---|---|
| Ordinary income | Period Covered Cumulative second quarter / Consolidated 25,000 / Individual 24,500, Period Covered Full year / Consolidated 47,500 / Individual 47,000 → Period Covered Cumulative second quarter / Consolidated 34,000 / Individual 34,000, Period Covered Full year / Consolidated 56,000 / Individual 55,500（Period Covered Cumulative second quarter / Consolidated 36 / Individual 38.8, Period Covered Full year / Consolidated 17.9 / Individual 18.1） |
| Profit attributable to owners of the parent | Period Covered Cumulative second quarter / Consolidated 17,000 / Individual 17,000, Period Covered Full year / Consolidated 32,000 / Individual 32,000 → Period Covered Cumulative second quarter / Consolidated 29,000 / Individual 28,500, Period Covered Full year / Consolidated 44,000 / Individual 43,500（Period Covered Cumulative second quarter / Consolidated 70.6 / Individual 67.6, Period Covered Full year / Consolidated 37.5 / Individual 35.9） |
| Net income per share | Period Covered Cumulative second quarter / Consolidated 99.72 / Individual 99.72, Period Covered Full year / Consolidated 187.72 / Individual 187.72 → Period Covered Cumulative second quarter / Consolidated 171.02 / Individual 168.08, Period Covered Full year / Consolidated 262.01 / Individual 259.03 |
| Fiscal Period Covered | Fiscal year ending March 2027 |
| Period Covered | Cumulative second quarter, Full year |
| Publication date of previous forecast | 14 May 2026 |
| Previous-period results | Period Covered Cumulative second quarter / Consolidated Ordinary income ¥16,736 million / Interim net income attributable to owners of the parent ¥15,826 million / Interim net income per share ¥88.57 / Individual Ordinary income ¥16,361 million / Interim net income ¥15,668 million / Interim net income per share ¥87.68, Period Covered Full year / Consolidated Ordinary income ¥35,518 million / Profit attributable to owners of the parent ¥34,728 million / Net income per share ¥198.55 / Individual Ordinary income ¥34,528 million / Net income for the current fiscal year ¥34,020 million / Net income per share ¥194.51 |
| Reason for the revision | Core gross operating profit is expected to exceed the previous forecast due to the smooth progress of new loan originations and the incorporation of higher interest rates, among other factors; reversal gains on the allowance for loan losses exceeded expectations; and actual credit costs are expected to come in below forecast due to the impact of preventive provisioning and other factors. The full-year forecast also reflects strong performance through the interim period, the expected financial and economic environment and business performance going forward, and the tax burden ratio. |
| Dividend forecast revision | Interim Dividend Ordinary dividend per share changed from ¥30.00 to ¥40.00, an increase of ¥10. / Year-end dividend Ordinary dividend per share changed from ¥30.00 to ¥40.00, an increase of ¥10. / Annual Dividend Annual dividend changed from ¥60.00 to ¥80.00, an increase of ¥20. |
| Consolidated / non-consolidated | Consolidated / non-consolidated (standalone) |
Items this document does not state (3)
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.New loan originations and the incorporation of higher interest rates are progressing smoothly, and core gross operating profit is expected to exceed the previous forecast. In addition, reversal gains on the allowance for loan losses resulting from a change in the method for valuing real estate collateral exceeded expectations, while actual credit costs are expected to come in below forecast due to the impact of preventive provisioning and other factors. The full-year forecast also reflects strong performance through the interim period, the expected financial and economic environment and business performance going forward, and the declining tax burden ratio. The dividend was increased after taking comprehensive account of the earnings forecast, capital soundness and the expected financial position going forward.