Worth reading
53Recurring
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
765
¥ million (year-on-year increase in ordinary profit)Wording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPOrdinary income6,343¥ millionYear on year +13.7%Progress 96.1%
Net income attributable to owners of the parent4,363¥ millionYear on year +8.8%Progress 97.0%
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¥527.94
Financial position at period-end
Total assets1,563,506¥ million
of which net assets 95,019 ¥ millionEquity ratio 6.1%vs. prior year-end +0.4pt
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+19,895
Investment-5,012
Financials-1,699
Net change+13,184
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¥123,049 million
Segment revenue
Banking26,92586.9%
Leasing3,41211.0%
Credit card and credit guarantee services6622.1%
Segment profit
Banking6,09894.8%
Leasing1562.4%
Credit card and credit guarantee services1812.8%
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥6,600 million (YoY +4.0%)
Net income¥4,500 million (YoY +3.1%)
Annual Dividend Forecast¥184 → ¥192
Payout ratio35
Shareholder Return PolicyTarget payout ratio of 35%
Factors Behind Changes in Business Performance
Ordinary income increased, mainly due to higher interest on loans and interest and dividends on securities, resulting in increases in ordinary profit and net income attributable to owners of the parent.
Disclosure regarding the going concern assumption
No applicable matters
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 1 / Name of newly added company きたぎんキャピタルパートナーズ株式会社 / Excluded Not disclosed / Excluded Company Name Not disclosed
Material subsequent eventsNo applicable matters.
Impairment loss¥44 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥11 million / Extraordinary loss Losses on disposal of fixed assets ¥91 million / Impairment loss ¥44 million
Depreciation and amortization¥973 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingYes (for analysts and institutional investors)
Issued Shares at Period-End8,443,776 Shares
Treasury Shares at Period-End251,170 Shares
| 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 | ¥6,343 million (YoY +13.7%) |
| Profit attributable to owners of the parent | ¥4,363 million (YoY +8.8%) |
| Net income per share | ¥527.94 |
| Equity ratio | End of the current fiscal period 6.1 / End of previous period 5.7 |
| Total assets | ¥1,563,506 million |
| Net assets | ¥95,019 million |
| Cash flows from operating activities | ¥19,895 million |
| Cash flows from investing activities | ¥-5,012 million |
| Cash flows from financing activities | ¥-1,699 million |
| Cash and cash equivalents at end of period | ¥123,049 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥6,600 million (YoY +4.0%) / Net income ¥4,500 million (YoY +3.1%) |
| Annual Dividend Forecast | ¥184 → ¥192 |
| Payout ratio | 35 |
| Shareholder Return Policy | Target payout ratio of 35% |
| Segment revenue | Banking ¥26,925 million / Leasing ¥3,412 million / Credit card and credit guarantee services ¥662 million |
| Segment profit | Banking ¥6,098 million / Leasing ¥156 million / Credit card and credit guarantee services ¥181 million |
| Depreciation and amortization | ¥973 million |
| Impairment loss | ¥44 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥11 million / Extraordinary loss Losses on disposal of fixed assets ¥91 million / Impairment loss ¥44 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 1 / Name of newly added company きたぎんキャピタルパートナーズ株式会社 / Excluded Not disclosed / Excluded Company Name Not disclosed |
| Material subsequent events | No applicable matters. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (for analysts and institutional investors) |
| Issued Shares at Period-End | 8,443,776 Shares |
| Treasury Shares at Period-End | 251,170 Shares |
| Factors Behind Changes in Business Performance | Ordinary income increased, mainly due to higher interest on loans and interest and dividends on securities, resulting in increases in ordinary profit and net income attributable to owners of the parent. |
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.Ordinary income increased, mainly due to higher interest on loans and interest and dividends on securities. Although interest on deposits and operating expenses also increased, ordinary profit rose.
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.