Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPThe 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.
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.
Stacked from zero: upward is an increase in cash, downward a decrease (in million yen).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Increases in interest on loans and income from fees and commissions, together with gains on sales of securities recorded in connection with an offer to tender shares of a local company. Ordinary expenses increased mainly because of losses on sales of government bonds and other bonds associated with the restructuring of the securities portfolio.
No applicable matters ("There are no applicable matters")
| 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 | 71,846 million yen (YoY +30.0%) |
| Ordinary income | 12,307 million yen (YoY +11.8%) |
| Profit attributable to owners of the parent | 8,585 million yen (YoY +14.5%) |
| Net income per share | ¥508.05 |
| Equity ratio | End of the current fiscal period 3.9 / End of previous period 3.6 |
| Total assets | 3,219,066 million yen |
| Net assets | 126,498 million yen |
| Cash flows from operating activities | -75,446 million yen |
| Cash flows from investing activities | 84,534 million yen |
| Cash flows from financing activities | -1,691 million yen |
| Cash and cash equivalents at end of period | 277,823 million yen |
| Full-year earnings forecast | Net Sales 66,000 million yen (YoY -8.1%) / Operating profit Not disclosed / Ordinary income 14,700 million yen (YoY +19.4%) / Net income 9,300 million yen (YoY +8.3%) |
| Annual Dividend Forecast | 110 yen → 110 yen（0.0%） |
| Payout ratio | Current fiscal year 21.6 % / Next-year forecast 19.9 % |
| Shareholder Return Policy | The basic policy is to maintain stable dividends, with a policy aimed at maintaining an annual dividend of ¥100. For the next fiscal year, the dividend will be maintained at the current fiscal year's level, with an annual dividend of ¥110 planned. |
| Segment revenue | Banking 63,119 million yen (YoY +34.7%), Leasing 7,929 million yen (YoY +2.5%), Credit guarantees 763 million yen (YoY +7.5%) |
| Segment profit | Banking 11,461 million yen (YoY +13.0%), Leasing 319 million yen (YoY +2.2%), Credit guarantees 345 million yen (YoY -22.3%) |
| Depreciation and amortization | 1,482 million yen |
| Impairment loss | 53 million yen |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets 33 million yen / Extraordinary loss Losses on disposal of fixed assets 221 million yen, Impairment Losses 53 million yen, Other extraordinary losses 0 million yen |
| Disclosure regarding the going concern assumption | No applicable matters ("There are 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 | Whether applicable Yes / Subject person Institutional investors and analysts / Scheduled date 15 June 2026 |
| Issued Shares at Period-End | 16,935,909 Shares |
| Treasury Shares at Period-End | 34,039 Shares |
| Factors Behind Changes in Business Performance | Increases in interest on loans and income from fees and commissions, together with gains on sales of securities recorded in connection with an offer to tender shares of a local company. Ordinary expenses increased mainly because of losses on sales of government bonds and other bonds associated with the restructuring of the securities portfolio. |
Items this document does not state (5)
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.In addition to increases in interest on loans and income from fees and commissions, gains on sales of securities were recorded in connection with an offer to tender shares of a local company. Ordinary expenses increased mainly because of losses on sales of government bonds and other bonds associated with the restructuring of the securities portfolio funded by the above gains on sales of securities.