Results for this period
First quarter1 April 2026 to 30 June 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.
Ordinary income increased, mainly because higher interest income on loans and interest and dividend income on securities increased funding income, and higher gains on sales of shares and other securities increased other ordinary income. Ordinary expenses also increased, mainly because higher interest on deposits increased funding costs and higher losses on sales of government bonds and other securities increased other operating expenses.
Not applicable.
| 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 | ¥73,688 million (YoY +68.1%) |
| Ordinary income | ¥11,223 million (YoY +38.2%) |
| Profit attributable to owners of the parent | ¥8,295 million (YoY +40.3%) |
| Net income per share | ¥22.17 |
| Equity ratio | End of the current fiscal period 2.9 / End of previous period 2.9 |
| Total assets | ¥13,221,931 million |
| Net assets | ¥398,630 million |
| Full-year earnings forecast | Net Sales ¥225,200 million (YoY -4.5%) / Operating profit Not disclosed / Ordinary income ¥44,400 million (YoY +18.2%) / Net income ¥29,400 million (YoY +14.8%) |
| Revision to Earnings Forecast | No |
| Annual Dividend Forecast | ¥28 → ¥32 |
| Segment revenue | Banking ¥65,864 million (YoY +81.3%) / Leasing ¥6,356 million (YoY +6.2%) |
| Segment profit | Banking ¥12,637 million (YoY +38.1%) / Leasing ¥231 million (YoY +4.1%) |
| Depreciation and amortization | ¥2,757 million |
| Impairment loss | ¥23 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥7 million, Gain on step acquisition ¥43 million / Extraordinary loss Losses on disposal of fixed assets ¥31 million, Impairment Losses ¥23 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 | New Number of companies 3 / Company name キャリアバンク株式会社, 株式会社セールスアウトソーシング, 株式会社ジャパンランゲージ / Excluded Not disclosed |
| Material subsequent events | Not applicable. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable No / Subject person Not disclosed |
| Issued Shares at Period-End | 378,060,179 |
| Treasury Shares at Period-End | 3,943,099 |
| Factors Behind Changes in Business Performance | Ordinary income increased, mainly because higher interest income on loans and interest and dividend income on securities increased funding income, and higher gains on sales of shares and other securities increased other ordinary income. Ordinary expenses also increased, mainly because higher interest on deposits increased funding costs and higher losses on sales of government bonds and other securities increased other operating expenses. |
Items this document does not state (10)
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.Interest income on loans and interest and dividend income on securities increased funding income, while gains on sales of shares and other securities increased other ordinary income. Interest on deposits increased funding costs, while losses on sales of bonds and other securities increased other operating expenses.