Worth reading
77Important
Scored from 5 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
6
¥100 million (year-on-year increase in consolidated ordinary profit)Wording
Conditional
How definitive the wording is.Contents of this document
Earnings presentationFirst quarter of the fiscal year ending March 20274 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Ordinary income¥30 100 million+21.6%
Net income¥21 100 million +22.5%quarterly net income attributable to owners of the parent
Results for the three months of the current quarter
Ordinary revenue
¥150 100 million+26.9%
Ordinary income
¥30 100 million+21.6%
Profit attributable to owners of parent for the quarter
¥21 100 million+22.5%
Core net business profit (excluding gains and losses on investment trust cancellations)
¥32 100 million+61.2%
Progress against full-year forecast 通期の予想に対して、いまどこまで進んだかの割合です。
Ordinary revenue
Interim forecast52.8 %
Ordinary income
Interim forecast84.3 %
Profit attributable to owners of parent for the quarter
Interim forecast75.5 %
Standalone interim net income
70.3 %
What the company explained in this material
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
- Interest income on loans¥17 100 million
- Interest and dividend income on securities¥4 100 million
- Interest on deposits with banks¥-1 100 million
- Interest expenses on deposits¥-9 100 million
- Interest paid on interest-rate swaps and other items¥2 100 million
Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.
Domestic interest ratesAssumes a gradual increase (figure: Not disclosed)
New initiatives
- Business partnership with 株式会社ABEJA in the DX/AI field
- Holding of the Tochigin Business Exchange Meeting 2026
- Expansion of growth-support services for business matching
Key KPIsA metric the company considers important as a management benchmark.
- Deposits¥32,162 100 million
- Loan balance¥25,000 100 millionYear on year against the same period last year+1.7%
- Securities balance¥4,808 100 million
- Assets under custody¥5,267 100 million
- Non-performing loan ratio2 %
- Consolidated capital adequacy ratio9.91 %
- OHR64.34 %Year on year against the same period last year-9.49 percentage points
| Item | Details |
|---|---|
| Document type | Earnings presentation |
| Fiscal Period Covered | First quarter of the fiscal year ending March 2027 |
| Ordinary income | ¥30 100 million (YoY +21.6%) |
| Net income | ¥21 100 million (quarterly net income attributable to owners of the parent) (YoY +22.5%) |
| Results for the three months of the current quarter | Ordinary revenue ¥150 100 million (YoY +26.9%) / Ordinary income ¥30 100 million (YoY +21.6%) / Profit attributable to owners of parent for the quarter ¥21 100 million (YoY +22.5%) / Core net business profit (excluding gains and losses on investment trust cancellations) ¥32 100 million (YoY +61.2%) |
| Progress against full-year forecast | Ordinary revenue 52.8 % / Ordinary income 84.3 % / Profit attributable to owners of parent for the quarter 75.5 % / Standalone interim net income 70.3 % |
| Breakdown of Factors Affecting the Change | Factors Interest income on loans / Amount ¥17 100 million, Factors Interest and dividend income on securities / Amount ¥4 100 million, Factors Interest on deposits with banks / Amount ¥-1 100 million, Factors Interest expenses on deposits / Amount ¥-9 100 million, Factors Interest paid on interest-rate swaps and other items / Amount ¥2 100 million |
| Key KPIs | Indicator name Deposits / Value ¥32,162 100 million / Year on year against the same period last year Not disclosed, Indicator name Loan balance / Value ¥25,000 100 million / Year on year against the same period last year +1.7%, Indicator name Securities balance / Value ¥4,808 100 million / Year on year against the same period last year Not disclosed, Indicator name Assets under custody / Value ¥5,267 100 million / Year on year against the same period last year Not disclosed, Indicator name Non-performing loan ratio / Value 2 % / Year on year against the same period last year Not disclosed, Indicator name Consolidated capital adequacy ratio / Value 9.91 % / Year on year against the same period last year Not disclosed, Indicator name OHR / Value 64.34 % / Year on year against the same period last year -9.49 percentage points |
| Assumptions Underlying the Business Outlook | Domestic interest rates Assumes a gradual increase (figure: Not disclosed) |
| New initiatives | Business partnership with 株式会社ABEJA in the DX/AI field, Holding of the Tochigin Business Exchange Meeting 2026, Expansion of growth-support services for business matching |
Items this document does not state (21)
Net SalesOperating profitGross Profit MarginOperating profit marginSelling, general and administrative expensesFull-year earnings forecastSelf-assessment against the planSegment resultsUnit price and quantity metricsNumber of stores and locationsNumber of employeesRisk amount incorporated into the outlookMedium-term management plan targetsFinancial targetsAnnual DividendPayout ratioAcquisition of treasury sharesCapital expendituresOrders received and order backlogMarket Size / ShareKey points of the Q&A
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.Net interest income, including interest on loans and interest and dividends on securities, and income from fees and commissions, including solution fees, increased. Although interest on deposits, losses on the sale of securities, and credit-related expenses increased, the increase in interest and other operating income was greater. Gains and losses on the valuation of securities improved due to the replacement of held bonds, a shorter average maturity, and an increase in gains on the valuation of interest rate swaps.
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.