Worth reading
56In focus
Scored from 5 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
969
¥ millionWording
Conditional
How definitive the wording is.Results for this period
First quarter1 April 2026 to 30 June 2026ConsolidatedJapanese GAAPNet Sales9,066¥ million (ordinary income)Year on year +27.5%
Ordinary income2,634¥ millionYear on year +58.2%Progress 39.9%
Net income attributable to owners of the parent1,791¥ millionYear on year +58.6%Progress 39.8%
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¥218.63
Financial position at period-end
Total assets1,594,743¥ million
of which net assets 96,161 ¥ millionEquity ratio 6.0%vs. prior year-end -0.1pt
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.
Segment revenueBanking ¥8,299 million (ordinary income) (YoY +30.6%), Leasing ¥871 million (ordinary income) (YoY -1.5%), Credit card and credit guarantee services ¥175 million (ordinary income) (YoY -3.3%), Other ¥12 million (ordinary income)
Segment profitBanking ¥2,649 million (ordinary profit) (YoY +57.7%), Leasing ¥36 million (ordinary profit) (YoY +24.1%), Credit card and credit guarantee services ¥41 million (ordinary profit) (YoY -26.8%), Other ¥5 million (ordinary profit)
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 → — (¥192.00 before stock split)（+4.3% (before stock split)）
Factors Behind Changes in Business Performance
Ordinary revenue increased mainly because interest and dividend income and gains on sales of stocks and other securities increased. Although interest on deposits and losses on sales of Japanese government bonds and other bonds increased, ordinary profit increased mainly because ordinary revenue increased.
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 consolidationNo significant changes were made during the quarter. In addition, きたぎんキャピタルパートナーズ株式会社 was newly established on 1 July 2025 and included as a consolidated subsidiary.
Material subsequent eventsA resolution was passed to acquire up to 190,000 treasury shares for a total acquisition cost of up to ¥1,000 million, cancel 100,000 treasury shares, split each share of common stock into 3 shares, and amend the Articles of Incorporation in connection with the stock split.
Impairment lossNo applicable matters.
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥0 million / Extraordinary loss Losses on disposal of fixed assets ¥1 million
Depreciation and amortization¥258 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingNo (no attendees specified)
Issued Shares at Period-End8,443,776
Treasury Shares at Period-End251,709
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 June 2026 |
| Net Sales | ¥9,066 million (ordinary income) (YoY +27.5%) |
| Ordinary income | ¥2,634 million (YoY +58.2%) |
| Profit attributable to owners of the parent | ¥1,791 million (YoY +58.6%) |
| Net income per share | ¥218.63 |
| Equity ratio | End of the current fiscal period 6.0% / End of previous period 6.1% |
| Total assets | ¥1,594,743 million |
| Net assets | ¥96,161 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 → — (¥192.00 before stock split)（+4.3% (before stock split)） |
| Segment revenue | Banking ¥8,299 million (ordinary income) (YoY +30.6%), Leasing ¥871 million (ordinary income) (YoY -1.5%), Credit card and credit guarantee services ¥175 million (ordinary income) (YoY -3.3%), Other ¥12 million (ordinary income) |
| Segment profit | Banking ¥2,649 million (ordinary profit) (YoY +57.7%), Leasing ¥36 million (ordinary profit) (YoY +24.1%), Credit card and credit guarantee services ¥41 million (ordinary profit) (YoY -26.8%), Other ¥5 million (ordinary profit) |
| Depreciation and amortization | ¥258 million |
| Impairment loss | No applicable matters. |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥0 million / Extraordinary loss Losses on disposal of fixed assets ¥1 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 | No significant changes were made during the quarter. In addition, きたぎんキャピタルパートナーズ株式会社 was newly established on 1 July 2025 and included as a consolidated subsidiary. |
| Material subsequent events | A resolution was passed to acquire up to 190,000 treasury shares for a total acquisition cost of up to ¥1,000 million, cancel 100,000 treasury shares, split each share of common stock into 3 shares, and amend the Articles of Incorporation in connection with the stock split. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | No (no attendees specified) |
| Issued Shares at Period-End | 8,443,776 |
| Treasury Shares at Period-End | 251,709 |
| Factors Behind Changes in Business Performance | Ordinary revenue increased mainly because interest and dividend income and gains on sales of stocks and other securities increased. Although interest on deposits and losses on sales of Japanese government bonds and other bonds increased, ordinary profit increased mainly because ordinary revenue increased. |
Items this document does not state (11)
Operating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodRevision to Earnings ForecastPayout ratioShareholder Return PolicyRegional 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 revenue increased mainly because interest and dividend income and gains on sales of stocks and other securities increased. Although interest on deposits and losses on sales of Japanese government bonds and other bonds increased, ordinary profit increased due mainly to the increase in ordinary revenue.
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.