Worth reading
63In focus
Scored from 5 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
3316
Millions of yenWording
Definitive
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPOrdinary income18,355Millions of yenYear on year +22.0%Progress 47.7%
Net income attributable to owners of the parent12,443Millions of yenYear on year +16.2%Progress 47.7%
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¥83.11
Financial position at period-end
Total assets8,886,870Millions of yen
of which net assets 315,358 Millions of yenEquity ratio 3.5%vs. prior year-end 0.0pt
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.
Segment revenueBanking 100,144 Millions of yen (YoY +50.4%), Leasing 9,489 Millions of yen
Segment profitBanking 18,348 Millions of yen (YoY +22.1%), Leasing 17 Millions of yen
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income38,500 Millions of yen (YoY +19.0%)
Net income26,100 Millions of yen (YoY +14.9%)
Revision to Earnings ForecastOrdinary income Not disclosed → 38,500 Millions of yen / Net income Not disclosed → 26,100 Millions of yen / Net Sales Not disclosed / Operating profit Not disclosed
Annual Dividend Forecast60 Yen → 70 Yen（+16.7%）
Factors Behind Changes in Business Performance
Net interest income increased due to higher gains on cancellations of investment trusts and higher interest income on loans resulting from increased loan yields, while other operating profit decreased due to losses on cancellations of investment trusts and the recognition of losses on securities with low profitability.
Disclosure regarding the going concern assumption
None
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 consolidationAdded: 0 companies; excluded: 0 companies
Impairment loss51 Millions of yen
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets 39 Millions of yen / Extraordinary loss Loss on disposal of fixed assets 155 Millions of yen, Impairment loss 51 Millions of yen
Depreciation and amortization1,510 Millions of yen
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingAvailable (for institutional investors and analysts)
Issued Shares at Period-End156,977,472 Shares
Treasury Shares at Period-End7,873,513 Shares
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 September 2026 |
| Ordinary income | 18,355 Millions of yen (YoY +22.0%) |
| Profit attributable to owners of the parent | 12,443 Millions of yen (YoY +16.2%) |
| Net income per share | ¥83.11 |
| Equity ratio | End of the current fiscal period 3.5 / End of previous period 3.5 |
| Total assets | 8,886,870 Millions of yen |
| Net assets | 315,358 Millions of yen |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income 38,500 Millions of yen (YoY +19.0%) / Net income 26,100 Millions of yen (YoY +14.9%) |
| Revision to Earnings Forecast | Ordinary income Not disclosed → 38,500 Millions of yen / Net income Not disclosed → 26,100 Millions of yen / Net Sales Not disclosed / Operating profit Not disclosed |
| Annual Dividend Forecast | 60 Yen → 70 Yen（+16.7%） |
| Segment revenue | Banking 100,144 Millions of yen (YoY +50.4%), Leasing 9,489 Millions of yen |
| Segment profit | Banking 18,348 Millions of yen (YoY +22.1%), Leasing 17 Millions of yen |
| Depreciation and amortization | 1,510 Millions of yen |
| Impairment loss | 51 Millions of yen |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets 39 Millions of yen / Extraordinary loss Loss on disposal of fixed assets 155 Millions of yen, Impairment loss 51 Millions of yen |
| Disclosure regarding the going concern assumption | None |
| 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 | Added: 0 companies; excluded: 0 companies |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Available (for institutional investors and analysts) |
| Issued Shares at Period-End | 156,977,472 Shares |
| Treasury Shares at Period-End | 7,873,513 Shares |
| Factors Behind Changes in Business Performance | Net interest income increased due to higher gains on cancellations of investment trusts and higher interest income on loans resulting from increased loan yields, while other operating profit decreased due to losses on cancellations of investment trusts and the recognition of losses on securities with low profitability. |
Items this document does not state (12)
Net SalesOperating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogMaterial subsequent events
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.Net interest income increased due to higher gains on cancellations of investment trusts as part of the review of the securities portfolio, higher interest income on loans resulting from increased loan yields, and other factors. Meanwhile, other operating profit decreased due to the recording of losses on cancellations of investment trusts and other factors.
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.