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The Kita-Nippon Bank (8551) · FactLower revenue, higher earnings

Decline in Ordinary Revenues and Profit in the Leasing Business

First written in FY2018-Q3. 11 of 29 entries say "Worsened", first in FY2019-Q1. Latest entry: FY2026.

29entries
9years
1from disclosures
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How it moved
ProgressHeldSoftenedWorseOtherFY2024 – FY20252018: 320182019: 420192020: 420202021: 420212022: 420222023: 320232024: 320242025: 220252026: 22026
Same theme, other companies
Performance Trends in Financial Services Such as Leasing and Credit GuaranteesA theme 24 companies write about · 10 as a headwind · 14 as a tailwind

The Kita-Nippon Bank moved to the "Worse" side of this theme in 2021, 5 years before the typical company in this theme (2026).

The whole theme swung hardest in 2024: 3 of 20 companies on the "Worse" side.

6 other companies' latest entry also says "Other".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Showing 14 of the 24 companies compared. The sentences above are computed from all 24.
Full recordFilings, disclosures and news, newest first
  1. FY2026Lower revenue, higher earningsAnnual report

    「Ordinary income from the leasing business decreased by ¥139 million year on year to ¥3,412 million, mainly due to lower lease-related income. Ordinary profit, which represents segment profit, increased by ¥10 million year on year to ¥156 million, as lease-related and credit costs declined despite the decrease in ordinary income.」

    The leasing business posted lower revenue, while segment profit increased from ¥146 million to ¥156 million due to lower lease-related expenses and credit costs.
  2. 2026-05-13MitigatedEarnings

    「Ordinary income in the leasing business decreased by ¥139 million from the previous consolidated fiscal year, to ¥3.412 billion, mainly because of lower leasing-related income. Ordinary profit, the segment profit, increased by ¥10 million to ¥156 million, despite the decline in ordinary income, due mainly to lower leasing-related expenses and credit costs.」

    The leasing business reported lower revenue, but profit increased as leasing-related expenses and credit costs declined.
  3. FY2026-H1MitigatedAnnual report

    「Ordinary income from the leasing business increased by ¥27 million year on year to ¥1,678 million, mainly due to higher lease-related income. Ordinary profit, which represents segment profit, increased by ¥33 million year on year to ¥75 million, mainly due to higher ordinary income.」

    The leasing business posted higher revenue due to increased lease-related income, and segment profit increased by ¥33 million year on year to ¥75 million.
  4. FY2025Lower revenue, higher earningsAnnual report

    「Ordinary income from the leasing business decreased by ¥1,058 million year on year to ¥3,552 million, mainly due to lower lease-related income. Ordinary profit, which represents segment profit, increased by ¥106 million year on year to ¥146 million, as lease-related and credit costs declined despite the decrease in ordinary income.」

    The leasing business posted lower revenue, while segment profit increased from ¥40 million to ¥146 million due to lower lease-related expenses and credit costs.
  5. FY2025-H1Lower revenue, higher earningsAnnual report

    「Ordinary income from the leasing business decreased by ¥1,117 million year on year to ¥1,651 million, mainly due to lower lease-related income. Ordinary profit, which represents segment profit, increased by ¥89 million year on year to ¥42 million, mainly due to lower lease-related expenses.」

    The leasing business posted lower revenue due to lower lease-related income, while segment profit increased by ¥89 million year on year due to lower lease-related expenses.
  6. FY2024Revenue Growth and Profit DeclineAnnual report

    「Ordinary income from the leasing business increased by ¥907 million year on year to ¥4,610 million, mainly due to higher lease-related income. Ordinary profit, which represents segment profit, decreased by ¥47 million year on year to ¥40 million, as the increase in lease-related expenses outweighed the increase in lease-related income.」

    The leasing business posted higher revenue, while segment profit decreased from ¥87 million to ¥40 million due to higher lease-related expenses.
  7. FY2024-Q3WorsenedAnnual report

    「Ordinary income from the leasing business increased by ¥835 million year on year to ¥3,678 million, mainly due to higher lease-related income. Ordinary profit, which represents segment profit, decreased by ¥69 million year on year and resulted in a loss of ¥20 million, as the increase in lease-related expenses outweighed the increase in lease-related income.」

    The leasing business posted higher revenue, but segment profit decreased by ¥69 million year on year due in part to higher lease-related expenses, resulting in a ¥20 million loss.
  8. FY2024-Q2WorsenedAnnual report

    「Ordinary income from the leasing business increased by ¥706 million year on year to ¥2,768 million, mainly due to higher lease-related income. Ordinary profit, which represents segment profit, decreased by ¥72 million year on year and resulted in a loss of ¥47 million, as the increase in lease-related expenses outweighed the increase in lease-related income.」

    The leasing business posted higher revenue, but segment profit turned from a ¥25 million profit in the same period of the previous year to a ¥47 million loss due to higher lease-related expenses.
  9. FY2024-Q1WorsenedAnnual report

    「In the lease business, ordinary revenue increased by ¥879 million from the same period of the previous fiscal year to ¥1,824 million, due mainly to an increase in lease-related income. Although ordinary revenue increased, segment profit, namely ordinary profit, decreased by ¥38 million to a loss of ¥37 million, due mainly to increases in lease-related expenses and provisions for doubtful accounts.」

    The lease business recorded substantial revenue growth, while segment profit decreased by ¥38 million year on year due to increases in lease-related expenses and provisions for doubtful accounts, resulting in a loss of ¥37 million.
  10. FY2023-Q3MitigatedAnnual report

    「In the lease business, ordinary revenue increased by ¥237 million from the same period of the previous fiscal year to ¥2,843 million, due mainly to an increase in lease-related income. Although lease-related income increased, segment profit, namely ordinary profit, increased by ¥14 million to ¥49 million because lease-related expenses also increased.」

    Due to an increase in lease-related income, ordinary revenue in the lease business increased by ¥237 million year on year and segment profit increased by ¥14 million. Lease-related expenses also increased, but the business recorded higher revenue and profit.
  11. FY2023-Q2MitigatedAnnual report

    「In the lease business, ordinary revenue increased by ¥564 million from the same period of the previous fiscal year to ¥2,062 million, due mainly to an increase in lease-related income. Although lease-related income increased, segment profit, namely ordinary profit, increased by ¥7 million to ¥25 million because lease-related expenses also increased.」

    The lease business recorded higher revenue, and segment profit also increased by ¥7 million year on year to ¥25 million despite an increase in lease-related expenses.
  12. FY2023-Q1Revenue Growth and Profit DeclineAnnual report

    「In the lease business, ordinary revenue increased by ¥209 million from the same period of the previous fiscal year to ¥945 million, due mainly to an increase in lease-related income. Although ordinary revenue increased, segment profit, namely ordinary profit, decreased by ¥5 million to ¥1 million due mainly to an increase in lease-related expenses.」

    The lease business recorded higher revenue due to an increase in lease-related income, while segment profit decreased by ¥5 million year on year to ¥1 million due to an increase in lease-related expenses.
  13. FY2022WorsenedAnnual report

    「In the lease business, ordinary revenue decreased by ¥310 million from the previous consolidated fiscal year to ¥3,415 million, due mainly to a decline in lease-related income. Although lease-related expenses decreased, segment profit, namely ordinary profit, decreased by ¥63 million to ¥48 million due mainly to an increase in operating expenses.」

    The lease business reversed its previous year's higher revenue and profit, with both ordinary revenue and segment profit decreasing.
  14. FY2022-Q3WorsenedAnnual report

    「In the lease business, ordinary revenue decreased by ¥210 million from the same period of the previous fiscal year to ¥2,606 million, due mainly to a decline in lease-related income. Segment profit, namely ordinary profit, decreased by ¥50 million to ¥35 million due mainly to an increase in operating expenses.」

    In the lease business, ordinary revenue decreased by ¥210 million year on year due to a decline in lease-related income and an increase in operating expenses, while segment profit decreased from ¥85 million to ¥35 million.
  15. FY2022-Q2WorsenedAnnual report

    「In the lease business, ordinary revenue decreased by ¥316 million from the same period of the previous fiscal year to ¥1,498 million, due mainly to a decline in lease-related income. Although lease-related expenses decreased, segment profit, namely ordinary profit, decreased by ¥26 million to ¥18 million due mainly to an increase in operating expenses.」

    Ordinary revenue in the lease business decreased by ¥316 million year on year. Although lease-related expenses decreased, segment profit also decreased by ¥26 million due mainly to an increase in operating expenses.
  16. FY2022-Q1WorsenedAnnual report

    「In the lease business, ordinary revenue decreased by ¥263 million from the same period of the previous fiscal year to ¥736 million, due mainly to a decline in lease-related income. Segment profit, namely ordinary profit, decreased by ¥6 million to ¥6 million, due mainly to the decline in ordinary revenue.」

    Ordinary revenue in the lease business decreased by ¥263 million year on year due to a decline in lease-related income, while segment profit also decreased by ¥6 million to ¥6 million.
  17. FY2021Higher sales, lower profit continuedAnnual report

    「In the lease business, ordinary revenue increased by ¥893 million from the previous consolidated fiscal year to ¥3,725 million, due mainly to an increase in lease-related income. Segment profit, namely ordinary profit, decreased by ¥39 million to ¥111 million, due mainly to an increase in lease-related expenses.」

    The lease business continued to record higher revenue, while segment profit decreased from ¥150 million to ¥111 million due to an increase in lease-related expenses.
  18. FY2021-Q3Higher sales, lower profit continuedAnnual report

    「In the lease business, ordinary revenue increased by ¥746 million from the same period of the previous fiscal year to ¥2,816 million, due mainly to an increase in lease-related income. Although ordinary revenue increased, segment profit, namely ordinary profit, decreased by ¥30 million to ¥85 million, due mainly to an increase in lease-related expenses.」

    The lease business recorded higher revenue due to an increase in lease-related income, while segment profit decreased by ¥30 million year on year to ¥85 million due to an increase in lease-related expenses.
  19. FY2021-Q2Higher sales, lower profit continuedAnnual report

    「In the lease business, ordinary revenue increased by ¥385 million from the same period of the previous fiscal year to ¥1,814 million, due mainly to an increase in lease-related income. Although ordinary revenue increased, segment profit, namely ordinary profit, decreased by ¥28 million to ¥44 million, due mainly to an increase in lease-related expenses.」

    The lease business recorded higher revenue, while segment profit decreased by ¥28 million year on year due mainly to an increase in lease-related expenses.
  20. FY2021-Q1Revenue Growth and Profit DeclineAnnual report

    「In the lease business, ordinary revenue increased by ¥275 million from the same period of the previous fiscal year to ¥999 million, due mainly to an increase in lease-related income. Although ordinary revenue increased, segment profit, namely ordinary profit, decreased by ¥30 million to ¥12 million, due mainly to an increase in lease-related expenses.」

    The lease business recorded higher revenue due to an increase in lease-related income, while segment profit decreased by ¥30 million year on year to ¥12 million due to an increase in lease-related expenses.
  21. FY2020MitigatedAnnual report

    「In the lease business, ordinary revenue increased by ¥477 million from the previous consolidated fiscal year to ¥2,832 million, due mainly to an increase in lease-related income. Segment profit, namely ordinary profit, increased by ¥84 million to ¥150 million, due mainly to the increase in ordinary revenue.」

    The lease business recorded higher revenue and profit. Ordinary revenue increased from ¥2,355 million to ¥2,832 million, while segment profit increased from ¥66 million to ¥150 million.
  22. FY2020-Q3MitigatedAnnual report

    「In the lease business, ordinary revenue increased by ¥296 million from the same period of the previous fiscal year to ¥2,070 million, due mainly to an increase in lease-related income. Segment profit, namely ordinary profit, increased by ¥34 million to ¥115 million, due mainly to the increase in ordinary revenue.」

    Ordinary revenue and segment profit in the lease business increased year on year, due to an increase in lease-related income.
  23. FY2020-Q2MitigatedAnnual report

    「In the lease business, ordinary revenue increased by ¥245 million from the same period of the previous fiscal year to ¥1,429 million, due mainly to an increase in lease-related income. Segment profit, namely ordinary profit, increased by ¥21 million to ¥72 million, due mainly to the increase in ordinary revenue.」

    In the lease business, both ordinary revenue and segment profit increased year on year, due to an increase in lease-related income.
  24. FY2020-Q1MitigatedAnnual report

    「In the lease business, ordinary revenue increased by ¥142 million from the same period of the previous fiscal year to ¥724 million, due mainly to an increase in lease-related income. Segment profit, namely ordinary profit, increased by ¥26 million to ¥42 million, due to the increase in ordinary revenue.」

    In the lease business, both ordinary revenue and segment profit increased year on year, due to an increase in lease-related income.
  25. FY2019WorsenedAnnual report

    「In the lease business, ordinary revenue decreased by ¥104 million from the previous consolidated fiscal year to ¥2,355 million, due mainly to a decline in lease-related income. Segment profit, namely ordinary profit, decreased by ¥104 million to ¥66 million, due mainly to the decline in ordinary revenue.」

    Ordinary revenue in the lease business decreased from ¥2,459 million to ¥2,355 million, while segment profit decreased from ¥170 million to ¥66 million.
  26. FY2019-Q3WorsenedAnnual report

    「In the lease business, ordinary revenue decreased by ¥58 million from the same period of the previous fiscal year to ¥1,774 million, due mainly to a decline in lease-related income. Segment profit, namely ordinary profit, decreased by ¥42 million to ¥81 million, due mainly to the decline in ordinary revenue.」

    Ordinary revenue and segment profit in the lease business decreased year on year, due mainly to a decline in lease income.
  27. FY2019-Q2WorsenedAnnual report

    「In the lease business, ordinary revenue decreased by ¥48 million from the same period of the previous fiscal year to ¥1,184 million, due mainly to a decline in lease income. Segment profit, namely ordinary profit, decreased by ¥24 million to ¥51 million, due mainly to the decline in ordinary revenue.」

    Ordinary revenue and segment profit in the lease business decreased year on year, due mainly to a decline in lease income.
  28. FY2019-Q1WorsenedAnnual report

    「In the lease business, ordinary revenue decreased by ¥35 million from the same period of the previous fiscal year to ¥582 million, due mainly to a decline in lease income. Segment profit, namely ordinary profit, decreased by ¥24 million to ¥16 million, due to the decline in ordinary revenue.」

    Ordinary revenue and segment profit in the lease business decreased year on year, due mainly to a decline in lease income.
  29. FY2018-Q3First statedAnnual report

    「In the lease business, ordinary revenue decreased by ¥127 million from the same period of the previous fiscal year to ¥1,832 million, due mainly to a decline in fees from entrusted services. Segment profit, namely ordinary profit, decreased by ¥19 million to ¥123 million, due mainly to the decline in ordinary revenue.」

    In the lease business, both ordinary revenue and segment profit decreased year on year, due mainly to a decline in fees from entrusted services.
Moved together

"Year-on-year decline in ordinary profit and quarterly net income attributable to owners of the parent" moved the same way as this thread, in the same document, in 8 of its 29 moves.

877666★123456
  1. ★This thread
  2. 1Year-on-year decline in ordinary profit and quarterly net income attributable to owners of the parent8×
  3. 2Deterioration in Other Operating Profit/Loss Due to Losses on Sales of Government Bonds and Other Securities7×
  4. 3Credit Card and Credit Guarantee Businesses as Reportable Segments7×
  5. 4Expansion of Deposit Balances6×
  6. 5Risk of Decline in Capital Adequacy Ratio6×
  7. 6Increase in ordinary expenses due to higher operating expenses6×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

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No upcoming earnings preview for The Kita-Nippon Bank yet. It last moved in the Earnings of 2026-05-13: "Mitigated".
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Decline in Ordinary Revenues and Profit in the Leasing Business | The Kita-Nippon Bank,Ltd. (8551) | Komori