Worth reading
47Recurring
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
7182
Millions of yen (year-on-year increase in recurring profit)Wording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPNet Sales124,456¥ millionYear on year +21.1%Progress 87.2%
Ordinary income28,081¥ millionYear on year +34.4%Progress 83.3%
Net income attributable to owners of the parent20,269¥ millionYear on year +37.6%Progress 88.1%
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¥412.05
Financial position at period-end
Total assets6,272,701¥ million
of which net assets 313,890 ¥ millionEquity ratio 5.0%vs. prior year-end +0.2pt
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+140,190
Investment-75,248
Financials-5,081
Net change+59,861
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¥764,836 million
Segment revenue
Banking operations97,44179.2%
Leasing operations23,15218.8%
Card operations2,4852.0%
Segment profit
Banking operations27,23995.3%
Leasing operations7522.6%
Card operations5912.1%
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥142,800 million (YoY +14.7%)
Operating profitNot disclosed
Ordinary income¥33,700 million (YoY +20.0%)
Net income¥23,000 million (YoY +13.5%)
Annual Dividend Forecast170 Yen (per share, adjusted for the stock split) → 200 Yen (per share, adjusted for the stock split)（+17.6%）
Payout ratio42.8
Factors Behind Changes in Business Performance
Recurring revenue increased primarily due to higher interest on loans and interest and dividends on securities, while recurring expenses also increased mainly due to higher interest on deposits and related items.
Disclosure regarding the going concern assumption
No applicable matters (There are 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 Number of companies 0 / Company name None / Excluded Number of companies 0 / Company name None
Material subsequent eventsNo applicable matters.
Impairment lossNone recorded in the current fiscal year (shown as “—”)
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥343 million / Extraordinary loss Losses on disposal of fixed assets ¥71 million
Depreciation and amortization¥2,584 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person For institutional investors and analysts
Issued Shares at Period-End49,366,461 shares
Treasury Shares at Period-End169,464 shares
| 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 | ¥124,456 million (YoY +21.1%) |
| Ordinary income | ¥28,081 million (YoY +34.4%) |
| Profit attributable to owners of the parent | ¥20,269 million (YoY +37.6%) |
| Net income per share | ¥412.05 |
| Equity ratio | End of the current fiscal period 5 / End of previous period 4.8 |
| Total assets | ¥6,272,701 million |
| Net assets | ¥313,890 million |
| Cash flows from operating activities | ¥140,190 million |
| Cash flows from investing activities | ¥-75,248 million |
| Cash flows from financing activities | ¥-5,081 million |
| Cash and cash equivalents at end of period | ¥764,836 million |
| Full-year earnings forecast | Net Sales ¥142,800 million (YoY +14.7%) / Operating profit Not disclosed / Ordinary income ¥33,700 million (YoY +20.0%) / Net income ¥23,000 million (YoY +13.5%) |
| Annual Dividend Forecast | 170 Yen (per share, adjusted for the stock split) → 200 Yen (per share, adjusted for the stock split)（+17.6%） |
| Payout ratio | 42.8 |
| Segment revenue | Segment Banking operations / Net Sales ¥97,441 million / Year on year against the same period last year yoy_pct Not disclosed / Change Up ¥21,546 million, Segment Leasing operations / Net Sales ¥23,152 million / Year on year against the same period last year yoy_pct Not disclosed / Change Up ¥603 million, Segment Card operations / Net Sales ¥2,485 million / Year on year against the same period last year yoy_pct Not disclosed / Change Down ¥26 million |
| Segment profit | Segment Banking operations / Segment profit ¥27,239 million / Year on year against the same period last year yoy_pct Not disclosed / Change Up ¥7,272 million, Segment Leasing operations / Segment profit ¥752 million / Year on year against the same period last year yoy_pct Not disclosed / Change Down ¥90 million, Segment Card operations / Segment profit ¥591 million / Year on year against the same period last year yoy_pct Not disclosed / Change Up ¥47 million |
| Depreciation and amortization | ¥2,584 million |
| Impairment loss | None recorded in the current fiscal year (shown as “—”) |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥343 million / Extraordinary loss Losses on disposal of fixed assets ¥71 million |
| 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 Number of companies 0 / Company name None / Excluded Number of companies 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 For institutional investors and analysts |
| Issued Shares at Period-End | 49,366,461 shares |
| Treasury Shares at Period-End | 169,464 shares |
| Factors Behind Changes in Business Performance | Recurring revenue increased primarily due to higher interest on loans and interest and dividends on securities, while recurring expenses also increased mainly due to higher interest on deposits and related items. |
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.Recurring revenue was primarily driven by increases in interest on loans and interest and dividends on securities, while recurring expenses were primarily driven by higher interest on deposits and related items. For the next fiscal year, the company will seek to expand revenue by strengthening collaboration across the group and providing a diverse range of services that meet customer needs.
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.