Worth reading
37Immaterial
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
36.2
% (year-on-year change in ordinary profit)Wording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPNet Sales33,674¥ millionYear on year +15.5%Progress 89.1%
Ordinary income3,134¥ millionYear on year +36.2%Progress 82.5%
Net income attributable to owners of the parent2,000¥ millionYear on year +7.5%Progress 80.0%
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¥177.20
Financial position at period-end
Total assets1,813,848¥ million
of which net assets 81,012 ¥ millionEquity ratio 4.4%vs. prior year-end +0.4pt
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-10,208
Investment-7,024
Financials-589
Net change-17,821
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ million).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 period¥224,660 million
Segment revenueBanking ¥27,245 million (YoY +19.0%), Leasing and credit card operations ¥6,795 million (YoY +0.3%)
Segment profitBanking ¥2,975 million (YoY +46.2%), Leasing and credit card operations ¥279 million (YoY +2.2%)
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥37,800 million (YoY +12.3%)
Operating profitNot disclosed
Ordinary income¥3,800 million (YoY +21.2%)
Net income¥2,500 million (YoY +25.0%)
Annual Dividend Forecast¥60 → ¥60（0.0%）
Payout ratio33.9
Shareholder Return PolicyThe company’s basic policy is to maintain a stable dividend of ¥60 and progressively target a dividend payout ratio of approximately 30%.
Factors Behind Changes in Business Performance
Ordinary revenue increased mainly due to higher interest on loans and securities-related revenue. Ordinary expenses increased mainly due to higher interest on deposits.
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 / Excluded 0 / Company name None
Material subsequent eventsNo applicable matters.
Impairment loss¥10 million
Breakdown of extraordinary income (loss)Extraordinary income None / Extraordinary loss Losses on disposal of fixed assets ¥5 million, Impairment Losses ¥10 million
Depreciation and amortization¥1,562 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingHeld (対象者：Not disclosed)
Issued Shares at Period-End11,641,318
Treasury Shares at Period-End322,564
| 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 | ¥33,674 million (YoY +15.5%) |
| Ordinary income | ¥3,134 million (YoY +36.2%) |
| Profit attributable to owners of the parent | ¥2,000 million (YoY +7.5%) |
| Net income per share | ¥177.20 |
| Equity ratio | End of the current fiscal period 4.4 / End of previous period 4 |
| Total assets | ¥1,813,848 million |
| Net assets | ¥81,012 million |
| Cash flows from operating activities | ¥-10,208 million |
| Cash flows from investing activities | ¥-7,024 million |
| Cash flows from financing activities | ¥-589 million |
| Cash and cash equivalents at end of period | ¥224,660 million |
| Full-year earnings forecast | Net Sales ¥37,800 million (YoY +12.3%) / Operating profit Not disclosed / Ordinary income ¥3,800 million (YoY +21.2%) / Net income ¥2,500 million (YoY +25.0%) |
| Annual Dividend Forecast | ¥60 → ¥60（0.0%） |
| Payout ratio | 33.9 |
| Shareholder Return Policy | The company’s basic policy is to maintain a stable dividend of ¥60 and progressively target a dividend payout ratio of approximately 30%. |
| Segment revenue | Banking ¥27,245 million (YoY +19.0%), Leasing and credit card operations ¥6,795 million (YoY +0.3%) |
| Segment profit | Banking ¥2,975 million (YoY +46.2%), Leasing and credit card operations ¥279 million (YoY +2.2%) |
| Depreciation and amortization | ¥1,562 million |
| Impairment loss | ¥10 million |
| Breakdown of extraordinary income (loss) | Extraordinary income None / Extraordinary loss Losses on disposal of fixed assets ¥5 million, Impairment Losses ¥10 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 / Excluded 0 / Company name None |
| Material subsequent events | No applicable matters. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Held (対象者：Not disclosed) |
| Issued Shares at Period-End | 11,641,318 |
| Treasury Shares at Period-End | 322,564 |
| Factors Behind Changes in Business Performance | Ordinary revenue increased mainly due to higher interest on loans and securities-related revenue. Ordinary expenses increased mainly due to higher interest on deposits. |
Items this document does not state (5)
Operating profitOperating MarginRevision to Earnings ForecastRegional 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.Ordinary revenue increased mainly due to higher interest on loans and securities-related revenue, while ordinary expenses also increased mainly due to higher interest on deposits.
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.