Worth reading
56In focus
Scored from 5 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
-26
%Wording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPNet Sales220,025¥ millionYear on year +2.6%Progress 93.4%
Ordinary income30,165¥ millionYear on year -0.4%Progress 102.3%
Net income attributable to owners of the parent13,476¥ millionYear on year -26.0%Progress 79.3%
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¥12.14
Financial position at period-end
Total assets1,545,743¥ million
of which net assets 286,265 ¥ millionEquity ratio 18.1%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.
Cash inflows and outflows
Operating+83,930
Investment-71,453
Financials-11,652
Net change+825
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¥892,764 million
Segment revenueSegment Domestic operations (banking and other businesses) / Current fiscal year ¥146,769 million / Prior-year period ¥139,473 million / Year on year against the same period last year Not disclosed, Segment Credit card and electronic money operations / Current fiscal year ¥30,670 million / Prior-year period ¥32,539 million / Year on year against the same period last year Not disclosed, Segment Overseas Business / Current fiscal year ¥43,602 million / Prior-year period ¥43,555 million / Year on year against the same period last year Not disclosed
Segment profitSegment Domestic operations (banking and other businesses) / Current fiscal year ¥27,172 million / Prior-year period ¥27,226 million / Year on year against the same period last year Not disclosed, Segment Credit card and electronic money operations / Current fiscal year ¥-592 million / Prior-year period ¥2,704 million / Year on year against the same period last year Not disclosed, Segment Overseas Business / Current fiscal year ¥3,583 million / Prior-year period ¥353 million / Year on year against the same period last year Not disclosed
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥235,500 million (YoY +7.0%)
Operating profitNot disclosed
Ordinary income¥29,500 million (YoY -2.2%)
Net income¥17,000 million (YoY +26.1%)
Annual Dividend Forecast11 yen and sen → 11 yen and sen（0.0%）
Payout ratioActual results for the fiscal year ending March 2026 90.5 % / Forecast for the fiscal year ending March 2027 75.5 %
Factors Behind Changes in Business Performance
Ordinary income increased, mainly due to the higher number of total ATM transactions, while ordinary profit declined due mainly to higher depreciation associated with the replacement of ATMs with fourth-generation models. Net income attributable to owners of the parent also declined due to the recognition of an impairment loss related to the credit card business.
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¥8,456 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥2 million / Extraordinary loss Losses on disposal of fixed assets ¥245 million, Impairment Losses ¥8,456 million
Depreciation and amortization¥30,980 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person Analysts and institutional investors
Issued Shares at Period-End1,179,308,000
Treasury Shares at Period-End11,323,221
| 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 | ¥220,025 million (YoY +2.6%) |
| Ordinary income | ¥30,165 million (YoY -0.4%) |
| Profit attributable to owners of the parent | ¥13,476 million (YoY -26.0%) |
| Net income per share | ¥12.14 |
| Equity ratio | End of the current fiscal period 18.1 / End of previous period 18.5 |
| Total assets | ¥1,545,743 million |
| Net assets | ¥286,265 million |
| Cash flows from operating activities | ¥83,930 million |
| Cash flows from investing activities | ¥-71,453 million |
| Cash flows from financing activities | ¥-11,652 million |
| Cash and cash equivalents at end of period | ¥892,764 million |
| Full-year earnings forecast | Net Sales ¥235,500 million (YoY +7.0%) / Operating profit Not disclosed / Ordinary income ¥29,500 million (YoY -2.2%) / Net income ¥17,000 million (YoY +26.1%) |
| Annual Dividend Forecast | 11 yen and sen → 11 yen and sen（0.0%） |
| Payout ratio | Actual results for the fiscal year ending March 2026 90.5 % / Forecast for the fiscal year ending March 2027 75.5 % |
| Segment revenue | Segment Domestic operations (banking and other businesses) / Current fiscal year ¥146,769 million / Prior-year period ¥139,473 million / Year on year against the same period last year Not disclosed, Segment Credit card and electronic money operations / Current fiscal year ¥30,670 million / Prior-year period ¥32,539 million / Year on year against the same period last year Not disclosed, Segment Overseas Business / Current fiscal year ¥43,602 million / Prior-year period ¥43,555 million / Year on year against the same period last year Not disclosed |
| Segment profit | Segment Domestic operations (banking and other businesses) / Current fiscal year ¥27,172 million / Prior-year period ¥27,226 million / Year on year against the same period last year Not disclosed, Segment Credit card and electronic money operations / Current fiscal year ¥-592 million / Prior-year period ¥2,704 million / Year on year against the same period last year Not disclosed, Segment Overseas Business / Current fiscal year ¥3,583 million / Prior-year period ¥353 million / Year on year against the same period last year Not disclosed |
| Depreciation and amortization | ¥30,980 million |
| Impairment loss | ¥8,456 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥2 million / Extraordinary loss Losses on disposal of fixed assets ¥245 million, Impairment Losses ¥8,456 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 Yes / Subject person Analysts and institutional investors |
| Issued Shares at Period-End | 1,179,308,000 |
| Treasury Shares at Period-End | 11,323,221 |
| Factors Behind Changes in Business Performance | Ordinary income increased, mainly due to the higher number of total ATM transactions, while ordinary profit declined due mainly to higher depreciation associated with the replacement of ATMs with fourth-generation models. Net income attributable to owners of the parent also declined due to the recognition of an impairment loss related to the credit card business. |
Items this document does not state (6)
Operating profitOperating MarginRevision to Earnings ForecastShareholder 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.Transactions conducted by deposit-taking financial institutions and cash top-up transactions for cashless payments remained firm, resulting in an increase in total ATM transactions and ordinary income. Meanwhile, expenses increased due mainly to higher depreciation associated with the replacement of ATMs with new fourth-generation models, and an impairment loss incurred in the course of promoting the credit card business was recognized as an extraordinary loss.
How to read this page
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