Worth reading
34Immaterial
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
2618
¥ millionWording
Conditional
How definitive the wording is.Results for this period
First quarter1 April 2026 to 30 June 2026ConsolidatedJapanese GAAPNet Sales38,502¥ millionYear on year +25.2%Progress 27.0%
Ordinary income9,931¥ millionYear on year +35.8%Progress 29.5%
Net income attributable to owners of the parent6,744¥ millionYear on year +28.8%Progress 29.3%
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¥137.09
Financial position at period-end
Total assets6,205,315¥ million
of which net assets 314,945 ¥ millionEquity ratio 5.1%vs. prior year-end +0.1pt
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 revenue
Banking operations32,02981.0%
Leasing operations6,30215.9%
Card operations6811.7%
Other operations (outside the reportable segments)5461.4%
Segment profit
Banking operations10,417
Leasing operations146
Card operations226
Other operations (outside the reportable segments)-113
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%)
Revision to Earnings ForecastNone (no revision)
Annual Dividend Forecast170.00 (previous fiscal year's actual dividend, converted to the post-split basis) → ¥200.00（+17.6%）
Factors Behind Changes in Business Performance
Ordinary income increased mainly due to higher interest on loans. Ordinary expenses increased mainly due to higher interest on deposits and losses on sales of Japanese government bonds and other securities.
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 No修正再表示 No
Changes in the scope of consolidationNewly consolidated: 0 companies; excluded from consolidation: 0 companies. No material changes.
Impairment lossNot applicable (no impairment loss was recognized)
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥3 million / Extraordinary loss Losses on disposal of fixed assets ¥0 million
Depreciation and amortization¥688 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingNo (no eligible attendees)
Issued Shares at Period-End49,366,461
Treasury Shares at Period-End169,690
| 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 | ¥38,502 million (YoY +25.2%) |
| Ordinary income | ¥9,931 million (YoY +35.8%) |
| Profit attributable to owners of the parent | ¥6,744 million (YoY +28.8%) |
| Net income per share | ¥137.09 |
| Equity ratio | End of the current fiscal period 5.1 / End of previous period 5 |
| Total assets | ¥6,205,315 million |
| Net assets | ¥314,945 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%) |
| Revision to Earnings Forecast | None (no revision) |
| Annual Dividend Forecast | 170.00 (previous fiscal year's actual dividend, converted to the post-split basis) → ¥200.00（+17.6%） |
| Segment revenue | Banking operations ¥32,029 million / Leasing operations ¥6,302 million / Card operations ¥681 million / Other operations (outside the reportable segments) ¥546 million |
| Segment profit | Banking operations ¥10,417 million / Leasing operations ¥146 million / Card operations ¥226 million / Other operations (outside the reportable segments) ¥-113 million |
| Depreciation and amortization | ¥688 million |
| Impairment loss | Not applicable (no impairment loss was recognized) |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥3 million / Extraordinary loss Losses on disposal of fixed assets ¥0 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 No / Restatement No |
| Changes in the scope of consolidation | Newly consolidated: 0 companies; excluded from consolidation: 0 companies. No material changes. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | No (no eligible attendees) |
| Issued Shares at Period-End | 49,366,461 |
| Treasury Shares at Period-End | 169,690 |
| Factors Behind Changes in Business Performance | Ordinary income increased mainly due to higher interest on loans. Ordinary expenses increased mainly due to higher interest on deposits and losses on sales of Japanese government bonds and other securities. |
Items this document does not state (11)
Operating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogMaterial 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 income increased mainly due to higher interest on loans. Ordinary expenses also increased, mainly due to higher interest on deposits and losses on sales of Japanese government bonds and other securities, but ordinary profit increased by ¥2,618 million year on year.
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.