Worth reading
42Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Mixed performance
Direction inferred from the company’s description.Scale
47.3
Year-on-year change in operating profit (%)Wording
Conditional
How definitive the wording is.Contents of this document
Supplementary materials to the earnings summaryQ3 FY20265 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales91,735 Millions of yen-0.1%
Operating profit9,587 Millions of yen+47.3%
Net income7,439 Millions of yen +184.6%profit for the quarter attributable to owners of the parent
Operating profit margin10.45 %
Selling, general and administrative expenses28,788 Millions of yen
Full-year earnings forecast
Consolidated
Operating revenue
130,000 Millions of yen
Operating profit
11,600 Millions of yen
Restructuring the Japanese Financial Services Business
Operating revenue
20,879 Millions of yen
Operating profit
9,458 Millions of yen
Restructuring the South Korean Financial Services Business
Operating revenue
44,652 Millions of yen
Operating profit
3,842 Millions of yen
Southeast Asia Financial Business
Operating revenue
44,229 Millions of yen
Operating profit
-1,031 Millions of yen
Real Estate Business
Operating revenue
19,578 Millions of yen
Operating profit
1,137 Millions of yen
Investment Business
Operating revenue
412 Millions of yen
Operating profit
374 Millions of yen
Other businesses
Operating revenue
789 Millions of yen
Operating profit
-187 Millions of yen
Progress against full-year forecast 通期の予想に対して、いまどこまで進んだかの割合です。
Consolidated
Operating revenue70.6
Operating profit82.7
Restructuring the Japanese Financial Services Business
Operating revenue79.3
Operating profit82
Restructuring the South Korean Financial Services Business
Operating revenue74.3
Operating profit70.9
Southeast Asia Financial Business
Operating revenue67.8
Real Estate Business
Operating revenue59.2
Operating profit97.9
Investment Business
Operating revenue61.1
Other businesses
Operating revenue62.7
What the company explained in this material
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
- Operating revenueChange in amount-56FactorsThe increase in revenue from the Japan finance and real estate businesses was more than offset by declines in revenue from the South Korea and Southeast Asia finance businesses
- Operating ExpensesChange in amount-4,565FactorsDecreases in provisions for loan losses, interest expense on deposits and other items
- Selling, general and administrative expensesChange in amount1,973FactorsIncreases in fees paid in connection with services supporting IFA operators and litigation expenses in the investment business
- Other income and expensesChange in amount543FactorsGains on sales of non-current assets, proceeds from the recovery of investment profits and other items
- Financial income and expensesChange in amount714FactorsIncrease in foreign exchange gains due to exchange-rate movements
- Income tax expense and other itemsChange in amount-537FactorsDecrease in income taxes and other adjustments due to the reversal of deferred tax liabilities
New initiatives
- Share Repurchases
- Dissolution of MIRAI and transfer of all its businesses from MIRAI to Nexus Card
- Selection for inclusion as a new TOPIX constituent
- The Indonesian bank’s deposit program with cashback benefits, “J Trust Cuan Merdeka”
Key KPIsA metric the company considers important as a management benchmark.
- Market capitalization106,545 Millions of yen
- Shares outstanding133,515,915 shares
- Share price798 Yen
- ROA (return on assets)0.75 %
- ROE (return on equity)6.11 %
Segment results
- Restructuring the Japanese Financial Services BusinessOperating revenue16,549 Millions of yenOperating revenue_yoy_pct20.4Operating profit7,752 Millions of yenOperating profit_yoy_pct39.2
- Restructuring the South Korean Financial Services BusinessOperating revenue33,196 Millions of yenOperating revenue_yoy_pct1.4Operating profit2,725 Millions of yenOperating profit_yoy_pct58.5
- Southeast Asia Financial BusinessOperating revenue29,985 Millions of yenOperating revenue_yoy_pct-13.4Operating profit836 Millions of yenOperating profit_yoy_pct-20.8
- Real Estate BusinessOperating revenue11,584 Millions of yenOperating revenue_yoy_pct9.8Operating profit1,112 Millions of yenOperating profit_yoy_pct487.9
- Investment BusinessOperating revenue251 Millions of yenOperating revenue_yoy_pct72.7Operating profit-911 Millions of yen
- Other businessesOperating revenue494 Millions of yenOperating revenue_yoy_pct8Operating profit1 Millions of yen
Acquisition of treasury shares
Maximum number of shares to be repurchased6,250,000 Shares; yen
Maximum acquisition amount5,000,000,000 Shares; yen
Period10 August 2026 to 30 December 2026
| Item | Details |
|---|---|
| Document type | Supplementary materials to the earnings summary |
| Fiscal Period Covered | Q3 FY2026 |
| Net Sales | 91,735 Millions of yen (YoY -0.1%) |
| Operating profit | 9,587 Millions of yen (YoY +47.3%) |
| Net income | 7,439 Millions of yen (profit for the quarter attributable to owners of the parent) (YoY +184.6%) |
| Operating profit margin | 10.45 % |
| Selling, general and administrative expenses | 28,788 Millions of yen |
| Full-year earnings forecast | Consolidated Operating revenue 130,000 Millions of yen / Operating profit 11,600 Millions of yen / Restructuring the Japanese Financial Services Business Operating revenue 20,879 Millions of yen / Operating profit 9,458 Millions of yen / Restructuring the South Korean Financial Services Business Operating revenue 44,652 Millions of yen / Operating profit 3,842 Millions of yen / Southeast Asia Financial Business Operating revenue 44,229 Millions of yen / Operating profit -1,031 Millions of yen / Real Estate Business Operating revenue 19,578 Millions of yen / Operating profit 1,137 Millions of yen / Investment Business Operating revenue 412 Millions of yen / Operating profit 374 Millions of yen / Other businesses Operating revenue 789 Millions of yen / Operating profit -187 Millions of yen |
| Progress against full-year forecast | Consolidated Operating revenue 70.6 / Operating profit 82.7 / Restructuring the Japanese Financial Services Business Operating revenue 79.3 / Operating profit 82 / Restructuring the South Korean Financial Services Business Operating revenue 74.3 / Operating profit 70.9 / Southeast Asia Financial Business Operating revenue 67.8 / Operating profit Not disclosed / Real Estate Business Operating revenue 59.2 / Operating profit 97.9 / Investment Business Operating revenue 61.1 / Operating profit Not disclosed / Other businesses Operating revenue 62.7 / Operating profit Not disclosed |
| Segment results | Segment Restructuring the Japanese Financial Services Business / Operating revenue 16,549 Millions of yen / Operating revenue_yoy_pct 20.4 / Operating profit 7,752 Millions of yen / Operating profit_yoy_pct 39.2, Segment Restructuring the South Korean Financial Services Business / Operating revenue 33,196 Millions of yen / Operating revenue_yoy_pct 1.4 / Operating profit 2,725 Millions of yen / Operating profit_yoy_pct 58.5, Segment Southeast Asia Financial Business / Operating revenue 29,985 Millions of yen / Operating revenue_yoy_pct -13.4 / Operating profit 836 Millions of yen / Operating profit_yoy_pct -20.8, Segment Real Estate Business / Operating revenue 11,584 Millions of yen / Operating revenue_yoy_pct 9.8 / Operating profit 1,112 Millions of yen / Operating profit_yoy_pct 487.9, Segment Investment Business / Operating revenue 251 Millions of yen / Operating revenue_yoy_pct 72.7 / Operating profit -911 Millions of yen / Operating profit_yoy_pct Not disclosed, Segment Other businesses / Operating revenue 494 Millions of yen / Operating revenue_yoy_pct 8 / Operating profit 1 Millions of yen / Operating profit_yoy_pct Not disclosed |
| Breakdown of Factors Affecting the Change | Item Operating revenue / Change in amount -56 Millions of yen / Factors The increase in revenue from the Japan finance and real estate businesses was more than offset by declines in revenue from the South Korea and Southeast Asia finance businesses, Item Operating Expenses / Change in amount -4,565 Millions of yen / Factors Decreases in provisions for loan losses, interest expense on deposits and other items, Item Selling, general and administrative expenses / Change in amount 1,973 Millions of yen / Factors Increases in fees paid in connection with services supporting IFA operators and litigation expenses in the investment business, Item Other income and expenses / Change in amount 543 Millions of yen / Factors Gains on sales of non-current assets, proceeds from the recovery of investment profits and other items, Item Financial income and expenses / Change in amount 714 Millions of yen / Factors Increase in foreign exchange gains due to exchange-rate movements, Item Income tax expense and other items / Change in amount -537 Millions of yen / Factors Decrease in income taxes and other adjustments due to the reversal of deferred tax liabilities |
| Key KPIs | Indicator name Market capitalization / Value 106,545 Millions of yen / Year on year against the same period last year Not disclosed, Indicator name Shares outstanding / Value 133,515,915 shares / Year on year against the same period last year Not disclosed, Indicator name Share price / Value 798 Yen / Year on year against the same period last year Not disclosed, Indicator name ROA (return on assets) / Value 0.75 % / Year on year against the same period last year Not disclosed, Indicator name ROE (return on equity) / Value 6.11 % / Year on year against the same period last year Not disclosed |
| Acquisition of treasury shares | Maximum number of shares to be repurchased 6,250,000 Shares; yen / Maximum acquisition amount 5,000,000,000 Shares; yen / Period 10 August 2026 to 30 December 2026 |
| New initiatives | Share Repurchases, Dissolution of MIRAI and transfer of all its businesses from MIRAI to Nexus Card, Selection for inclusion as a new TOPIX constituent, The Indonesian bank’s deposit program with cashback benefits, “J Trust Cuan Merdeka” |
Items this document does not state (17)
Ordinary incomeGross Profit MarginResults for the three months of the current quarterSelf-assessment against the planUnit price and quantity metricsNumber of stores and locationsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookMedium-term management plan targetsFinancial targetsAnnual DividendPayout ratioCapital expendituresOrders received and order backlogMarket Size / ShareKey points of the Q&A
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 the Japan finance business, interest income from receivables collection services and securities business commissions and trading gains increased. In the South Korea finance business, lower funding costs and reduced losses on sales of receivables contributed to performance, while in the real estate business, increased sales of newly built condominiums and other properties and gains on sales of non-current assets contributed. In contrast, the Southeast Asia finance business reported lower revenue and profit due to lower lending rates, an increase in the NPL balance, and decreases in outstanding loans and collections.
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.