Results for this period
Full year1 April 2025–31 March 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.
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.
Increase in fund investment income due to higher interest on loans and interest and dividends on securities, increase in other ordinary revenue, increase in funding costs and other operating expenses, and increase in ordinary profit
No applicable matters
| 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 | ¥29,344 million (YoY +30.7%) |
| Ordinary income | ¥4,067 million (YoY +4.5%) |
| Profit attributable to owners of the parent | ¥2,799 million (YoY +12.1%) |
| Net income per share | ¥293.79 |
| Equity ratio | End of the current fiscal period 4.7 / End of previous period 4.4 |
| Total assets | ¥1,700,846 million |
| Net assets | ¥81,364 million |
| Cash flows from operating activities | ¥4,288 million |
| Cash flows from investing activities | ¥12,818 million |
| Cash flows from financing activities | ¥-812 million |
| Cash and cash equivalents at end of period | ¥143,399 million |
| Full-year earnings forecast | Net Sales ¥29,030 million (YoY -1.0%) / Operating profit Not disclosed / Ordinary income ¥4,840 million (YoY +19.0%) / Net income ¥3,300 million (YoY +17.8%) |
| Annual Dividend Forecast | 65 yen → 106 yen |
| Payout ratio | Fiscal year ending March 2026 30.2 / Forecast for the fiscal year ending March 2027 30.6 |
| Shareholder Return Policy | The policy is to set an annual dividend floor of ¥50 per share and flexibly return profits based on the level of net income attributable to owners of the parent. |
| Segment revenue | Banking ¥28,858 million (YoY +31.2%) |
| Segment profit | Banking ¥3,954 million (YoY +4.0%) |
| Depreciation and amortization | ¥851 million |
| Impairment loss | ¥71 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥8 million / Extraordinary loss Losses on disposal of fixed assets ¥76 million / Impairment loss ¥71 million |
| Disclosure regarding the going concern assumption | 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 0 / Excluded 0 / Company name No applicable matters. |
| Material subsequent events | No applicable matters. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person For members of the media |
| Issued Shares at Period-End | 9,671,400 |
| Treasury Shares at Period-End | 141,500 |
| Factors Behind Changes in Business Performance | Increase in fund investment income due to higher interest on loans and interest and dividends on securities, increase in other ordinary revenue, increase in funding costs and other operating expenses, and increase in ordinary profit |
Items this document does not state (5)
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 revenue increased due to higher fund investment income resulting from increases in interest on loans and interest and dividends on securities, as well as an increase in other ordinary revenue. Ordinary expenses increased due to higher funding costs and other operating expenses, but net income attributable to owners of the parent also increased, mainly due to the increase in ordinary profit. For the next fiscal year, the Company expects to steadily implement the measures under its 13th Medium-Term Management Plan.