Worth reading
54Recurring
Scored from 5 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
21.1
% (year-on-year change in net income attributable to owners of the parent)Wording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPNet Sales167,078¥ million (ordinary income)Year on year +23.4%Progress 84.6%
Ordinary income32,335Millions of yenYear on year +21.0%Progress 86.2%
Net income attributable to owners of the parent22,698Millions of yenYear on year +21.1%Progress 89.0%
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¥150.01
Financial position at period-end
Total assets9,040,715Millions of yen
of which net assets 321,263 Millions of yenEquity ratio 3.5%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.
Cash inflows and outflows
Operating+136,276
Investment+283,349
Financials-9,444
Net change+410,181
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 period1,630,209 Millions of yen
Segment revenue
Banking145,77889.2%+24.9%
Leasing17,63510.8%+7.4%
Segment profit
Banking31,39799.7%+20.8%
Leasing1040.3%-77.6%
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥197,600 million (ordinary income) (YoY +18.2%)
Operating profitNot disclosed
Ordinary income37,500 Millions of yen (YoY +15.9%)
Net income25,500 Millions of yen (YoY +12.3%)
Revision to Earnings ForecastOrdinary revenue 163,100 Millions of yen → 166,100 Millions of yen（+1.8%） / Ordinary income 30,400 Millions of yen → 32,100 Millions of yen（+5.6%） / Profit attributable to owners of the parent 21,000 Millions of yen → 22,500 Millions of yen（+7.1%）
Annual Dividend Forecast¥60 and sen per share (actual for the fiscal year ending March 2026 versus forecast for the fiscal year ending March 2027) → ¥68 and sen per share (actual for the fiscal year ending March 2026 versus forecast for the fiscal year ending March 2027)（+13.3%）
Payout ratio39.9% (actual for the fiscal year ending March 2026), 40.0% (forecast for the fiscal year ending March 2027)
Factors Behind Changes in Business Performance
Net interest income increased due mainly to higher interest income on loans and interest and dividend income on securities, while lower credit-related costs also supported profit. On the other hand, interest expense on deposits increased due to higher deposit rates, and gains and losses on bonds and fees from lending and loans decreased.
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 Number of companies 0 / Company name Not disclosed / Excluded Number of companies 0 / Company name Not disclosed
Material subsequent eventsNo applicable matters.
Impairment loss277 Millions of yen
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets 302 Millions of yen / Extraordinary loss Losses on disposal of fixed assets 10 Millions of yen, Impairment Losses 277 Millions of yen
Depreciation and amortization2,855 Millions of yen
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingYes (for institutional investors and analysts)
Issued Shares at Period-End156,977,472
Treasury Shares at Period-End6,687,189
| 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 | ¥167,078 million (ordinary income) (YoY +23.4%) |
| Ordinary income | 32,335 Millions of yen (YoY +21.0%) |
| Profit attributable to owners of the parent | 22,698 Millions of yen (YoY +21.1%) |
| Net income per share | ¥150.01 |
| Equity ratio | End of the current fiscal period 3.5 / End of previous period 3.6 |
| Total assets | 9,040,715 Millions of yen |
| Net assets | 321,263 Millions of yen |
| Cash flows from operating activities | 136,276 Millions of yen |
| Cash flows from investing activities | 283,349 Millions of yen |
| Cash flows from financing activities | -9,444 Millions of yen |
| Cash and cash equivalents at end of period | 1,630,209 Millions of yen |
| Full-year earnings forecast | Net Sales ¥197,600 million (ordinary income) (YoY +18.2%) / Operating profit Not disclosed / Ordinary income 37,500 Millions of yen (YoY +15.9%) / Net income 25,500 Millions of yen (YoY +12.3%) |
| Revision to Earnings Forecast | Ordinary revenue 163,100 Millions of yen → 166,100 Millions of yen（+1.8%） / Ordinary income 30,400 Millions of yen → 32,100 Millions of yen（+5.6%） / Profit attributable to owners of the parent 21,000 Millions of yen → 22,500 Millions of yen（+7.1%） |
| Annual Dividend Forecast | ¥60 and sen per share (actual for the fiscal year ending March 2026 versus forecast for the fiscal year ending March 2027) → ¥68 and sen per share (actual for the fiscal year ending March 2026 versus forecast for the fiscal year ending March 2027)（+13.3%） |
| Payout ratio | 39.9% (actual for the fiscal year ending March 2026), 40.0% (forecast for the fiscal year ending March 2027) |
| Segment revenue | Banking ¥145,778 million (ordinary income from external customers) (YoY +24.9%) / Leasing ¥17,635 million (ordinary income from external customers) (YoY +7.4%) |
| Segment profit | Banking 31,397 Millions of yen (YoY +20.8%) / Leasing 104 Millions of yen (YoY -77.6%) |
| Depreciation and amortization | 2,855 Millions of yen |
| Impairment loss | 277 Millions of yen |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets 302 Millions of yen / Extraordinary loss Losses on disposal of fixed assets 10 Millions of yen, Impairment Losses 277 Millions of yen |
| 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 Number of companies 0 / Company name Not disclosed / Excluded Number of companies 0 / Company name Not disclosed |
| Material subsequent events | No applicable matters. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (for institutional investors and analysts) |
| Issued Shares at Period-End | 156,977,472 |
| Treasury Shares at Period-End | 6,687,189 |
| Factors Behind Changes in Business Performance | Net interest income increased due mainly to higher interest income on loans and interest and dividend income on securities, while lower credit-related costs also supported profit. On the other hand, interest expense on deposits increased due to higher deposit rates, and gains and losses on bonds and fees from lending and loans decreased. |
Items this document does not state (5)
Operating profitOperating MarginShareholder 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.Interest income on loans and interest and dividend income on securities increased as yields rose. Fees for corporate solutions and credit-related services also increased, as did gains and losses on stocks and other securities due to the sale of policy-held shares and other investments, while fees from lending and loans and gains and losses on bonds decreased. Net income attributable to owners of the parent increased mainly due to higher funds income and lower credit-related costs.
How to read this page
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