Worth reading
44Recurring
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
6272
million yenWording
Conditional
How definitive the wording is.Results for this period
First quarter1 April 2026 to 30 June 2026ConsolidatedJapanese GAAPNet Sales27,856million yenYear on year +29.1%Progress 26.9%
Ordinary income5,370million yenYear on year +9.7%Progress 28.3%
Net income attributable to owners of the parent3,942million yenYear on year +19.8%Progress 30.3%
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¥52.19
Financial position at period-end
Total assets4,443,354million yen
of which net assets 263,883 million yenEquity ratio 5.9%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.
Segment profit
Banking13,15490.6%
Leasing1,1067.6%
Other2511.7%
Segment revenueSegment Banking / Ordinary revenue 32,751 million yen / Year-on-year change 14,205 million yen / Year on year against the same period last year Not disclosed, Segment Leasing / Ordinary revenue 3,689 million yen / Year-on-year change 1,237 million yen / Year on year against the same period last year Not disclosed, Segment Other / Ordinary revenue 955 million yen / Year-on-year change 59 million yen / Year on year against the same period last year Not disclosed
Outlook and shareholder returns
Full-year earnings forecast
Net Sales103,500 million yen (YoY +4.1%)
Operating profitNot disclosed
Ordinary income19,000 million yen (YoY +29.2%)
Net income13,000 million yen (YoY +22.7%)
Annual Dividend Forecast¥170.00 (actual for the previous fiscal year, before the share split) → ¥50.00 (forecast for the current fiscal year, after the share split)（Up 47.1% before taking the share split into account）
Factors Behind Changes in Business Performance
Ordinary revenue increased due to reversal of the allowance for loan losses and increases in interest on loans and interest and dividends on securities. Interest and dividends on securities increased substantially following the receipt of ¥8,406 million in dividends from a consolidated subsidiary, while interest on loans and other items also increased.
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 companies / Excluded 0 companies / Company name None (no material changes)
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets 0 million yen / Extraordinary loss Losses on disposal of fixed assets 2 million yen
Depreciation and amortization406 million yen
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingNo
Issued Shares at Period-End78,468,170 shares
Treasury Shares at Period-End2,751,690 shares
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 June 2026 |
| Net Sales | 27,856 million yen (YoY +29.1%) |
| Ordinary income | 5,370 million yen (YoY +9.7%) |
| Profit attributable to owners of the parent | 3,942 million yen (YoY +19.8%) |
| Net income per share | ¥52.19 |
| Equity ratio | End of the current fiscal period 5.9% / End of previous period 5.5% |
| Total assets | 4,443,354 million yen |
| Net assets | 263,883 million yen |
| Full-year earnings forecast | Net Sales 103,500 million yen (YoY +4.1%) / Operating profit Not disclosed / Ordinary income 19,000 million yen (YoY +29.2%) / Net income 13,000 million yen (YoY +22.7%) |
| Annual Dividend Forecast | ¥170.00 (actual for the previous fiscal year, before the share split) → ¥50.00 (forecast for the current fiscal year, after the share split)（Up 47.1% before taking the share split into account） |
| Segment revenue | Segment Banking / Ordinary revenue 32,751 million yen / Year-on-year change 14,205 million yen / Year on year against the same period last year Not disclosed, Segment Leasing / Ordinary revenue 3,689 million yen / Year-on-year change 1,237 million yen / Year on year against the same period last year Not disclosed, Segment Other / Ordinary revenue 955 million yen / Year-on-year change 59 million yen / Year on year against the same period last year Not disclosed |
| Segment profit | Segment Banking / Segment profit 13,154 million yen / Year-on-year change 8,481 million yen / Year on year against the same period last year Not disclosed, Segment Leasing / Segment profit 1,106 million yen / Year-on-year change 1,073 million yen / Year on year against the same period last year Not disclosed, Segment Other / Segment profit 251 million yen / Year-on-year change 37 million yen / Year on year against the same period last year Not disclosed |
| Depreciation and amortization | 406 million yen |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets 0 million yen / Extraordinary loss Losses on disposal of fixed assets 2 million 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 0 companies / Excluded 0 companies / Company name None (no material changes) |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | No |
| Issued Shares at Period-End | 78,468,170 shares |
| Treasury Shares at Period-End | 2,751,690 shares |
| Factors Behind Changes in Business Performance | Ordinary revenue increased due to reversal of the allowance for loan losses and increases in interest on loans and interest and dividends on securities. Interest and dividends on securities increased substantially following the receipt of ¥8,406 million in dividends from a consolidated subsidiary, while interest on loans and other items also increased. |
Items this document does not state (13)
Operating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodRevision to Earnings ForecastPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogImpairment lossMaterial 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.Ordinary revenue increased due to reversal of the allowance for loan losses and increases in interest on loans and interest and dividends on securities. In net interest income, interest and dividends on securities increased substantially following the receipt of ¥8,406 million in dividends from a consolidated subsidiary, while interest on loans and other items 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.
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.