Credit Card and Credit Guarantee Businesses as Reportable Segments
First written in FY2020-Q1. 8 of 22 entries say "Worsened", first in FY2021-Q1. Latest entry: FY2026.
The whole theme swung hardest in 2024: 3 of 6 companies on the "Worse" side.
2 other companies' latest entry also says "Other".
- FY2026Lower revenue, higher earningsAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” decreased by ¥21 million from the previous consolidated fiscal year to ¥662 million due mainly to lower guarantee fee income. Although ordinary revenue declined, ordinary profit, which represents segment profit, increased by ¥4 million to ¥181 million, mainly due to lower credit costs.」
The credit card and credit guarantee businesses reported lower revenue, while segment profit increased from ¥177 million to ¥181 million due to lower credit costs. - FY2026-H1Lower revenue, higher earningsAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” decreased by ¥12 million from the previous interim consolidated accounting period to ¥344 million due mainly to lower guarantee fee income. Although ordinary revenue declined, ordinary profit, which represents segment profit, increased by ¥12 million to ¥108 million, mainly due to lower credit costs.」
The credit card and credit guarantee businesses reported lower revenue due to lower guarantee fee income, while segment profit increased mainly due to lower credit costs. - FY2025-H1WorsenedAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” decreased by ¥6 million from the previous interim consolidated accounting period to ¥356 million, while ordinary profit, which represents segment profit, decreased by ¥10 million to ¥96 million.」
The credit card and credit guarantee businesses reported declines in both revenue and profit, with ordinary revenue and segment profit falling ¥6 million and ¥10 million, respectively, below the same period of the previous year. - FY2024WorsenedAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” increased by ¥15 million from the previous consolidated fiscal year to ¥706 million, mainly due to higher guarantee fee income. Ordinary profit, which represents segment profit, decreased by ¥102 million to ¥161 million, mainly due to higher provision expenses for credit losses.」
The credit card and credit guarantee businesses reported higher revenue, while profit declined from ¥263 million to ¥161 million due to higher provision expenses for credit losses. - FY2024-Q3WorsenedAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” increased by ¥12 million from the previous third-quarter cumulative consolidated period to ¥535 million, mainly due to higher guarantee fee income. Ordinary profit, which represents segment profit, decreased by ¥44 million to ¥146 million, mainly due to higher provision expenses for credit losses.」
The credit card and credit guarantee businesses reported higher revenue, while segment profit decreased by ¥44 million year on year, mainly due to higher provision expenses for credit losses. - FY2024-Q2WorsenedAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” increased by ¥7 million from the previous second-quarter cumulative consolidated period to ¥362 million, while ordinary profit, which represents segment profit, decreased by ¥35 million to ¥106 million, mainly due to higher provision expenses for credit losses.」
The credit card and credit guarantee businesses reported a slight increase in revenue, while segment profit decreased by ¥35 million year on year, mainly due to higher provision expenses for credit losses. - FY2024-Q1Slight revenue growth, profit declineAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” increased by ¥2 million from the previous first-quarter cumulative consolidated period to ¥189 million, while ordinary profit, which represents segment profit, decreased by ¥4 million to ¥69 million.」
The credit card and credit guarantee businesses reported a slight increase in revenue, while segment profit decreased by ¥4 million year on year. - FY2023-Q3MitigatedAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” increased by ¥18 million from the previous third-quarter cumulative consolidated period to ¥523 million, while ordinary profit, which represents segment profit, increased by ¥31 million to ¥190 million.」
The credit card and credit guarantee businesses reported increases in both revenue and profit, with ordinary revenue of ¥523 million and segment profit of ¥190 million. - FY2023-Q2MitigatedAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” increased by ¥15 million from the previous second-quarter cumulative consolidated period to ¥355 million, while ordinary profit, which represents segment profit, increased by ¥26 million to ¥141 million.」
The credit card and credit guarantee businesses reported increases in both revenue and profit, with ordinary revenue of ¥355 million and segment profit of ¥141 million. - FY2023-Q1MitigatedAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” increased by ¥14 million from the previous first-quarter cumulative consolidated period to ¥187 million, while ordinary profit, which represents segment profit, increased by ¥30 million to ¥73 million.」
The credit card and credit guarantee businesses reported increases in both revenue and profit, with ordinary revenue and segment profit exceeding the same period of the previous year by ¥14 million and ¥30 million, respectively. - FY2022WorsenedAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” decreased by ¥39 million from the previous consolidated fiscal year to ¥666 million, mainly due to lower revenue related to the credit card business. Ordinary profit, which represents segment profit, decreased by ¥37 million to ¥258 million, mainly due to lower ordinary revenue.」
The credit card and credit guarantee businesses changed from lower revenue and higher profit in the previous fiscal year to lower revenue and lower profit. - FY2022-Q3WorsenedAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” decreased by ¥28 million from the previous third-quarter cumulative consolidated period to ¥505 million, mainly due to lower revenue related to the credit card business. Ordinary profit, which represents segment profit, decreased by ¥51 million to ¥159 million, mainly due to higher credit costs.」
The credit card and credit guarantee businesses saw ordinary revenue decline from ¥533 million to ¥505 million and segment profit decline from ¥210 million to ¥159 million, due mainly to lower related revenue and higher credit costs. - FY2022-Q2WorsenedAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” decreased by ¥19 million from the previous second-quarter cumulative consolidated period to ¥340 million, while ordinary profit, which represents segment profit, decreased by ¥23 million to ¥115 million.」
The credit card and credit guarantee businesses saw ordinary revenue decline from ¥359 million to ¥340 million and segment profit decline from ¥138 million to ¥115 million. - FY2022-Q1Continued lower revenue and higher profitAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” decreased by ¥5 million from the previous first-quarter cumulative consolidated period to ¥173 million, while ordinary profit, which represents segment profit, increased by ¥5 million to ¥43 million.」
The credit card and credit guarantee businesses reported a ¥5 million decrease in ordinary revenue, while segment profit increased by ¥5 million to ¥43 million. - FY2021Full-Year Lower Revenue and Higher ProfitAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” decreased by ¥41 million from the previous consolidated fiscal year to ¥705 million, mainly due to lower guarantee fee income. Ordinary profit, which represents segment profit, increased by ¥79 million to ¥295 million, mainly due to lower provision expenses for credit losses.」
The credit card and credit guarantee businesses reported lower revenue, while full-year profit increased from ¥216 million to ¥295 million, mainly due to lower provision expenses for credit losses. - FY2021-Q3Lower revenue, higher earningsAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” decreased by ¥31 million from the previous third-quarter cumulative consolidated period to ¥533 million, mainly due to lower guarantee fee income. Although ordinary revenue declined, ordinary profit, which represents segment profit, increased by ¥57 million to ¥210 million, mainly due to lower operating expenses.」
The credit card and credit guarantee businesses reported lower revenue, while segment profit increased by ¥57 million year on year to ¥210 million, mainly due to lower operating expenses. - FY2021-Q2Lower revenue, higher earningsAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” decreased by ¥25 million from the previous second-quarter cumulative consolidated period to ¥359 million, mainly due to lower guarantee fee income. Although ordinary revenue declined, ordinary profit, which represents segment profit, increased by ¥29 million to ¥138 million, mainly due to lower operating expenses.」
The credit card and credit guarantee businesses reported lower revenue, while segment profit increased by ¥29 million year on year, mainly due to lower operating expenses. - FY2021-Q1WorsenedAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” decreased by ¥14 million from the previous first-quarter cumulative consolidated period to ¥178 million, mainly due to lower guarantee fee income. Ordinary profit, which represents segment profit, decreased by ¥27 million to ¥38 million, mainly due to lower ordinary revenue.」
The credit card and credit guarantee businesses reported ordinary revenue of ¥178 million and segment profit of ¥38 million, with both revenue and profit declining year on year, mainly due to lower guarantee fee income. - FY2020Full-year performance update for the new reportable segmentAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” increased by ¥22 million from the previous consolidated fiscal year to ¥746 million, mainly due to higher guarantee fee income. Ordinary profit, which represents segment profit, increased by ¥111 million to ¥216 million, mainly due to higher ordinary revenue.」
For the credit card and credit guarantee businesses, which became an independent reportable segment, full-year ordinary revenue of ¥746 million and segment profit of ¥216 million were disclosed, representing increases in both revenue and profit. - FY2020-Q3Performance update for the new reportable segmentAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” increased by ¥29 million from the previous third-quarter cumulative consolidated period to ¥564 million, mainly due to higher guarantee fee income. Ordinary profit, which represents segment profit, increased by ¥72 million to ¥153 million, mainly due to higher ordinary revenue.」
For the credit card and credit guarantee businesses, which became an independent reportable segment in the first quarter, ordinary revenue of ¥564 million and segment profit of ¥153 million were disclosed, representing increases in both revenue and profit year on year. - FY2020-Q2Performance update for the new reportable segmentAnnual report
「Ordinary revenue from the “Credit Card and Credit Guarantee Businesses” increased by ¥33 million from the previous second-quarter cumulative consolidated period to ¥384 million, mainly due to higher guarantee fee income. Ordinary profit, which represents segment profit, increased by ¥63 million to ¥109 million, mainly due to higher ordinary revenue.」
For the credit card and credit guarantee businesses, which became an independent reportable segment in the first quarter, ordinary revenue of ¥384 million and segment profit of ¥109 million were disclosed. - FY2020-Q1First statedAnnual report
「Beginning in the first quarter of the current fiscal year, the credit card and credit guarantee businesses, which had previously been included in Other, are now presented as a reportable segment because they have become quantitatively material.」
As the credit card and credit guarantee businesses had become quantitatively material, they have been disclosed as an independent reportable segment since the first quarter of fiscal 2019. Ordinary revenue for the quarter was ¥192 million and segment profit was ¥65 million.