Worth reading
49Recurring
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
33660
¥ millionWording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPOrdinary income10,019¥ millionProgress 92.8%
Net income attributable to owners of the parent8,289¥ millionProgress 92.1%
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¥79.71
Financial position at period-end
Total assets3,419,343¥ million
of which net assets 164,954 ¥ millionEquity ratio 4.8%vs. prior year-end +0.3pt
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-171,176
Investment-50,153
Financials-1,510
Net change-222,839
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¥461,641 million
Segment profit
Banking8,86593.6%
Financial instruments business6026.4%
Segment revenueSegment Banking / Ordinary revenue ¥48,302 million / Year-on-year (%) 20.5 / Year-on-year change ¥8,215 million, Segment Financial instruments business / Ordinary revenue ¥2,802 million / Year-on-year (%) 22.1 / Year-on-year change ¥507 million
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥10,800 million (YoY +7.8%)
Net income¥9,000 million (YoY +8.6%)
Annual Dividend Forecast¥26 → ¥30（+15.4%）
Payout ratio33
Shareholder Return PolicyDuring the period covered by the 12th Medium-Term Management Plan (April 2026 to March 2030), the Company aims for a dividend payout ratio of approximately 40% of net income attributable to owners of the parent. Share repurchases will be carried out flexibly, taking into account capital levels, market conditions and other factors.
Factors Behind Changes in Business Performance
Ordinary income and net income attributable to owners of the parent increased due to increases in funds investment income and fee and commission income, decreases in losses on the sale of government bonds and other bonds and losses on the sale of equities and other securities, and other factors.
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 consolidationNew 0 / Excluded 0 / Company name Not disclosed
Material subsequent eventsNot applicable.
Impairment loss¥114 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥309 million / Extraordinary loss Losses on disposal of fixed assets ¥448 million, Provision for financial instruments transaction liability reserve ¥3 million, Impairment Losses ¥114 million
Depreciation and amortization¥1,573 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person Not disclosed
Issued Shares at Period-End109,608,000
Treasury Shares at Period-End5,475,424
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Ordinary income | ¥10,019 million |
| Profit attributable to owners of the parent | ¥8,289 million |
| Net income per share | ¥79.71 |
| Equity ratio | End of the current fiscal period 4.8 / End of previous period 4.5 |
| Total assets | ¥3,419,343 million |
| Net assets | ¥164,954 million |
| Cash flows from operating activities | ¥-171,176 million |
| Cash flows from investing activities | ¥-50,153 million |
| Cash flows from financing activities | ¥-1,510 million |
| Cash and cash equivalents at end of period | ¥461,641 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥10,800 million (YoY +7.8%) / Net income ¥9,000 million (YoY +8.6%) |
| Annual Dividend Forecast | ¥26 → ¥30（+15.4%） |
| Payout ratio | 33 |
| Shareholder Return Policy | During the period covered by the 12th Medium-Term Management Plan (April 2026 to March 2030), the Company aims for a dividend payout ratio of approximately 40% of net income attributable to owners of the parent. Share repurchases will be carried out flexibly, taking into account capital levels, market conditions and other factors. |
| Segment revenue | Segment Banking / Ordinary revenue ¥48,302 million / Year-on-year (%) 20.5 / Year-on-year change ¥8,215 million, Segment Financial instruments business / Ordinary revenue ¥2,802 million / Year-on-year (%) 22.1 / Year-on-year change ¥507 million |
| Segment profit | Segment Banking / Segment profit ¥8,865 million / Year-on-year change ¥32,926 million / Year-on-year (%) Not disclosed, Segment Financial instruments business / Segment profit ¥602 million / Year-on-year change ¥301 million / Year-on-year (%) 100 |
| Depreciation and amortization | ¥1,573 million |
| Impairment loss | ¥114 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥309 million / Extraordinary loss Losses on disposal of fixed assets ¥448 million, Provision for financial instruments transaction liability reserve ¥3 million, Impairment Losses ¥114 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 0 / Excluded 0 / Company name Not disclosed |
| Material subsequent events | Not applicable. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Not disclosed |
| Issued Shares at Period-End | 109,608,000 |
| Treasury Shares at Period-End | 5,475,424 |
| Factors Behind Changes in Business Performance | Ordinary income and net income attributable to owners of the parent increased due to increases in funds investment income and fee and commission income, decreases in losses on the sale of government bonds and other bonds and losses on the sale of equities and other securities, and other factors. |
Items this document does not state (6)
Net SalesOperating profitOperating MarginRevision to Earnings ForecastRegional 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.This was due to increases in funds investment income, including interest on loans, interest and dividends on securities, and interest on deposits, as well as fee and commission income, together with decreases in losses on the sale of government bonds and other bonds and losses on the sale of equities and other securities.
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.