Worth reading
58In focus
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
2324
Millions of yen (increase 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 Sales95,363¥ millionYear on year +20.7%Progress 81.1%
Ordinary income21,825¥ millionYear on year +22.1%Progress 83.9%
Net income attributable to owners of the parent15,527¥ millionYear on year +17.6%Progress 88.2%
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¥396.84
Financial position at period-end
Total assets4,171,990¥ million
of which net assets 399,617 ¥ millionEquity ratio 9.5%vs. prior year-end +1.2pt
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+13,580
Investment-62,941
Financials-6,885
Net change-56,246
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¥345,180 million
Segment revenue
Banking78,17781.1%+23.5%
Leasing18,18318.9%+9.9%
Segment profit
Banking21,56296.4%+22.2%
Leasing8033.6%+18.7%
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥117,600 million (YoY +23.3%)
Operating profitNot disclosed
Ordinary income¥26,000 million (YoY +19.1%)
Net income¥17,600 million (YoY +13.3%)
Annual Dividend Forecast¥142.5 per share → ¥190 per share（+33.3%）
Payout ratioActual results for the current fiscal year 35.9% / Next-year forecast 41.9%
Shareholder Return PolicyThe company targets a payout ratio of at least 40% of net income attributable to owners of the parent and aims to increase the dividend per share through profit growth. Treasury share purchases will be conducted flexibly and opportunistically, taking into account improvements in capital efficiency and market conditions.
Factors Behind Changes in Business Performance
Ordinary revenue increased due to higher funding income, including interest on loans and interest and dividends on securities. Ordinary expenses increased due to higher funding costs, including interest on deposits, as well as increased losses on sales of bonds and other securities, mainly yen-denominated bonds.
Disclosure regarding the going concern assumption
Not applicable.
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 None
Material subsequent eventsNot applicable.
Impairment loss¥49 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥57 million / Extraordinary loss Losses on disposal of fixed assets ¥36 million, Impairment Losses ¥49 million
Depreciation and amortization¥2,914 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable No / Subject person Not disclosed
Issued Shares at Period-End40,000,000
Treasury Shares at Period-End1,123,481
| 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 | ¥95,363 million (YoY +20.7%) |
| Ordinary income | ¥21,825 million (YoY +22.1%) |
| Profit attributable to owners of the parent | ¥15,527 million (YoY +17.6%) |
| Net income per share | ¥396.84 |
| Equity ratio | End of the current fiscal period 9.5% / End of previous period 8.3% |
| Total assets | ¥4,171,990 million |
| Net assets | ¥399,617 million |
| Cash flows from operating activities | ¥13,580 million |
| Cash flows from investing activities | ¥-62,941 million |
| Cash flows from financing activities | ¥-6,885 million |
| Cash and cash equivalents at end of period | ¥345,180 million |
| Full-year earnings forecast | Net Sales ¥117,600 million (YoY +23.3%) / Operating profit Not disclosed / Ordinary income ¥26,000 million (YoY +19.1%) / Net income ¥17,600 million (YoY +13.3%) |
| Annual Dividend Forecast | ¥142.5 per share → ¥190 per share（+33.3%） |
| Payout ratio | Actual results for the current fiscal year 35.9% / Next-year forecast 41.9% |
| Shareholder Return Policy | The company targets a payout ratio of at least 40% of net income attributable to owners of the parent and aims to increase the dividend per share through profit growth. Treasury share purchases will be conducted flexibly and opportunistically, taking into account improvements in capital efficiency and market conditions. |
| Segment revenue | Banking ¥78,177 million (YoY +23.5%) / Leasing ¥18,183 million (YoY +9.9%) |
| Segment profit | Banking ¥21,562 million (YoY +22.2%) / Leasing ¥803 million (YoY +18.7%) |
| Depreciation and amortization | ¥2,914 million |
| Impairment loss | ¥49 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥57 million / Extraordinary loss Losses on disposal of fixed assets ¥36 million, Impairment Losses ¥49 million |
| Disclosure regarding the going concern assumption | Not applicable. |
| 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 None |
| Material subsequent events | Not applicable. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable No / Subject person Not disclosed |
| Issued Shares at Period-End | 40,000,000 |
| Treasury Shares at Period-End | 1,123,481 |
| Factors Behind Changes in Business Performance | Ordinary revenue increased due to higher funding income, including interest on loans and interest and dividends on securities. Ordinary expenses increased due to higher funding costs, including interest on deposits, as well as increased losses on sales of bonds and other securities, mainly yen-denominated bonds. |
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.Funding income, including interest on loans and interest and dividends on securities, increased, while funding costs, including interest on deposits, and losses on sales of bonds and other securities also increased.
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.
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Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.