Worth reading
60In focus
Scored from 5 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
34.4
% (year-on-year change in consolidated ordinary revenue)Wording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPNet Sales176,576Millions of yenYear on year +34.4%
Ordinary income22,132Millions of yenYear on year +6.4%Progress 72.6%
Net income attributable to owners of the parent19,382Millions of yenYear on year +31.6%Progress 94.1%
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¥466.06
Financial position at period-end
Total assets6,737,053Millions of yen
of which net assets 364,482 Millions of yenEquity ratio 5.4%vs. prior year-end +0.6pt
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+10,732
Investment+59,269
Financials-8,131
Net change+61,870
Stacked from zero: upward is an increase in cash, downward a decrease (in Millions of yen).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 period833,319 Millions of yen
Segment revenueBanking 127,566 Millions of yen (YoY +51.9%), Leasing 44,557 Millions of yen (YoY +3.8%), Credit guarantees 2,911 Millions of yen (YoY -14.0%)
Segment profitBanking 20,264 Millions of yen (YoY +12.8%), Leasing 2,221 Millions of yen (YoY +10.3%), Credit guarantees 1,340 Millions of yen (YoY -46.9%)
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income30,500 Millions of yen (YoY +37.8%)
Net income20,600 Millions of yen (YoY +6.2%)
Annual Dividend Forecast¥150 → — (after giving effect to the stock split; ¥150.00 before the stock split)
Payout ratio32.1% (actual for the fiscal year ending March 2026), 30.2% (forecast for the fiscal year ending March 2027)
Factors Behind Changes in Business Performance
In the banking business, ordinary revenue increased by ¥43,606 million year on year and segment profit increased by ¥2,304 million. In the leasing business, ordinary revenue increased by ¥1,629 million and segment profit increased by ¥207 million. In the credit guarantee business, ordinary revenue decreased by ¥471 million and segment profit decreased by ¥1,184 million.
Disclosure regarding the going concern assumption
No applicable matters. The filing states, "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 Yes修正再表示 No
Changes in the scope of consolidationNew 0 companies / Excluded 0 companies / Company name Not disclosed
Material subsequent eventsAt a meeting of the board of directors held on 15 May 2026, the company resolved to conduct a five-for-one stock split of its common shares, with 30 September 2026 as the record date and 1 October 2026 as the effective date, and to amend its Articles of Incorporation to increase the total number of authorized shares from 80 million to 400 million.
Impairment loss835 Millions of yen
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets 12 Millions of yen, Gain on return of retirement benefit trust assets 5,600 Millions of yen / Extraordinary loss Losses on disposal of fixed assets 293 Millions of yen, Impairment Losses 835 Millions of yen, Provision for financial instruments transaction liability reserve 0 Millions of yen
Depreciation and amortization3,985 Millions of yen
Availability of Financial Results BriefingHeld (対象者：Not disclosed)
Issued Shares at Period-End41,281,897 shares
Treasury Shares at Period-End198,594 shares
Supplementary financial results materialsYes
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Net Sales | 176,576 Millions of yen (YoY +34.4%) |
| Ordinary income | 22,132 Millions of yen (YoY +6.4%) |
| Profit attributable to owners of the parent | 19,382 Millions of yen (YoY +31.6%) |
| Net income per share | ¥466.06 |
| Equity ratio | End of the current fiscal period 5.4 / End of previous period 4.8 |
| Total assets | 6,737,053 Millions of yen |
| Net assets | 364,482 Millions of yen |
| Cash flows from operating activities | 10,732 Millions of yen |
| Cash flows from investing activities | 59,269 Millions of yen |
| Cash flows from financing activities | -8,131 Millions of yen |
| Cash and cash equivalents at end of period | 833,319 Millions of yen |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income 30,500 Millions of yen (YoY +37.8%) / Net income 20,600 Millions of yen (YoY +6.2%) |
| Annual Dividend Forecast | ¥150 → — (after giving effect to the stock split; ¥150.00 before the stock split) |
| Payout ratio | 32.1% (actual for the fiscal year ending March 2026), 30.2% (forecast for the fiscal year ending March 2027) |
| Segment revenue | Banking 127,566 Millions of yen (YoY +51.9%), Leasing 44,557 Millions of yen (YoY +3.8%), Credit guarantees 2,911 Millions of yen (YoY -14.0%) |
| Segment profit | Banking 20,264 Millions of yen (YoY +12.8%), Leasing 2,221 Millions of yen (YoY +10.3%), Credit guarantees 1,340 Millions of yen (YoY -46.9%) |
| Depreciation and amortization | 3,985 Millions of yen |
| Impairment loss | 835 Millions of yen |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets 12 Millions of yen, Gain on return of retirement benefit trust assets 5,600 Millions of yen / Extraordinary loss Losses on disposal of fixed assets 293 Millions of yen, Impairment Losses 835 Millions of yen, Provision for financial instruments transaction liability reserve 0 Millions of yen |
| Disclosure regarding the going concern assumption | No applicable matters. The filing states, "There are no applicable matters." |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate Yes / Restatement No |
| Changes in the scope of consolidation | New 0 companies / Excluded 0 companies / Company name Not disclosed |
| Material subsequent events | At a meeting of the board of directors held on 15 May 2026, the company resolved to conduct a five-for-one stock split of its common shares, with 30 September 2026 as the record date and 1 October 2026 as the effective date, and to amend its Articles of Incorporation to increase the total number of authorized shares from 80 million to 400 million. |
| Supplementary financial results materials | Yes |
| Availability of Financial Results Briefing | Held (対象者：Not disclosed) |
| Issued Shares at Period-End | 41,281,897 shares |
| Treasury Shares at Period-End | 198,594 shares |
| Factors Behind Changes in Business Performance | In the banking business, ordinary revenue increased by ¥43,606 million year on year and segment profit increased by ¥2,304 million. In the leasing business, ordinary revenue increased by ¥1,629 million and segment profit increased by ¥207 million. In the credit guarantee business, ordinary revenue decreased by ¥471 million and segment profit decreased by ¥1,184 million. |
Items this document does not state (6)
Operating profitOperating MarginRevision to Earnings ForecastShareholder 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.The company explained that it advanced the growth strategy, human resources strategy, management infrastructure enhancement strategy and DX strategy under its medium-term management plan, against a backdrop of progress in wage increases, resilient domestic demand and changes in financial markets. By segment, the banking and leasing businesses recorded increases in revenue and profit, while the credit guarantee business recorded decreases in revenue and profit.
How to read this page
This is not the documentKomori reads the disclosure the company filed and writes this summary. Figures are as stated by the company and are not audited.
Weight is not a verdictIt measures how much this changes what the company had already told the market. It is not a view on the shares.
Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.