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Financial results presentationSecond 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)
Net Sales¥312 100 million+24.4%
Ordinary income¥44 100 million-9.3%
Net income¥35 100 million-18.9%
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。
Consolidated ordinary income109.7 %
Consolidated ordinary profit124.3 %
Consolidated interim net income attributable to owners of parent125.7 %
Standalone interim net income121.9 %
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¥38 100 million
- Interest and dividends on securities¥9 100 million
- Interest paid on deposits¥-22 100 million
- Interest paid on interest-rate swaps and other items¥3 100 million
- Expenses¥-16 100 million
- Costs related to non-performing loans¥-14 100 million
Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.
- ComparisonDomestic interest ratesDetailsAssumes a gradual increase
New initiatives
- Underwriting and investment in a third-party allotment capital increase by 株式会社おむすび那須
- Holding the “Tochigin Marche” at the new head office
- Containing interest-rate risk through reinvestment focused on medium- and short-term bonds
- Expanding growth support offerings, including real estate-related services, leasing, asset utilization and employee benefits consulting
Key KPIsA metric the company considers important as a management benchmark.
- Core net business profit (excluding gains and losses on investment trust cancellations)¥60 100 millionYear on year against the same period last year+30.7%
- Deposits outstanding¥31,831 100 million
- Loans outstanding¥25,245 100 millionYear on year against the same period last year+2.7%
- Assets under custody¥5,260 100 million
- NISA accounts41,349 Engagements
- Non-performing loan ratio2.03 %
- Consolidated capital ratio9.6 %
- OHR (excluding gains and losses on cancellation of investment trusts)68.18 %Year on year against the same period last year-3.0%
| Item | Details |
|---|---|
| Document type | Financial results presentation |
| Fiscal Period Covered | Second quarter of the fiscal year ending March 2027 |
| Net Sales | ¥312 100 million (YoY +24.4%) |
| Ordinary income | ¥44 100 million (YoY -9.3%) |
| Net income | ¥35 100 million (YoY -18.9%) |
| Progress against full-year forecast | Consolidated ordinary income 109.7 % / Consolidated ordinary profit 124.3 % / Consolidated interim net income attributable to owners of parent 125.7 % / Standalone interim net income 121.9 % |
| Breakdown of Factors Affecting the Change | Factors Interest income on loans / Amount ¥38 100 million, Factors Interest and dividends on securities / Amount ¥9 100 million, Factors Interest paid on deposits / Amount ¥-22 100 million, Factors Interest paid on interest-rate swaps and other items / Amount ¥3 100 million, Factors Expenses / Amount ¥-16 100 million, Factors Costs related to non-performing loans / Amount ¥-14 100 million |
| Key KPIs | Indicator name Core net business profit (excluding gains and losses on investment trust cancellations) / Value ¥60 100 million / Year on year against the same period last year ¥30.7 100 million, Indicator name Deposits outstanding / Value ¥31,831 100 million / Year on year against the same period last year Not disclosed, Indicator name Loans outstanding / Value ¥25,245 100 million / Year on year against the same period last year ¥2.7 100 million, Indicator name Assets under custody / Value ¥5,260 100 million / Year on year against the same period last year Not disclosed, Indicator name NISA accounts / Value 41,349 Engagements / Year on year against the same period last year Not disclosed, Indicator name Non-performing loan ratio / Value 2.03 % / Year on year against the same period last year Not disclosed, Indicator name Consolidated capital ratio / Value 9.6 % / Year on year against the same period last year Not disclosed, Indicator name OHR (excluding gains and losses on cancellation of investment trusts) / Value 68.18 % / Year on year against the same period last year -2.97 % |
| Assumptions Underlying the Business Outlook | Comparison Domestic interest rates / Details Assumes a gradual increase |
| New initiatives | Underwriting and investment in a third-party allotment capital increase by 株式会社おむすび那須, Holding the “Tochigin Marche” at the new head office, Containing interest-rate risk through reinvestment focused on medium- and short-term bonds, Expanding growth support offerings, including real estate-related services, leasing, asset utilization and employee benefits consulting |
Items this document does not state (21)
Operating profitGross Profit MarginOperating profit marginSelling, general and administrative expensesResults for the three months of the current quarterFull-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.Although interest on loans, interest and dividends on securities, and fees and commissions increased, interest on deposits, expenses, expenses related to constructing the new head office, losses on sales of securities, and costs related to non-performing loans also increased.
How to read this page
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