Worth reading
32Immaterial
Scored from 5 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
216
¥ million (year-on-year increase in ordinary profit)Wording
Conditional
How definitive the wording is.Results for this period
First quarter1 April 2026 to 30 June 2026ConsolidatedJapanese GAAPNet Sales4,044¥ millionYear on year +17.2%Progress 24.4%
Ordinary income239¥ millionYear on year +951.6%Progress 21.7%
Net income attributable to owners of the parent262¥ millionYear on year +309.3%
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¥7.53
Financial position at period-end
Total assets803,797¥ million
of which net assets 24,263 ¥ millionEquity ratio 2.9%vs. prior year-end 0.0pt
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 profit
Banking239
Leasing-2
Credit card and credit guarantee services2
Segment revenueSegment Banking / Ordinary revenue ¥3,445 million / Year-on-year change ¥556 million / Year-on-year (%) Not disclosed, Segment Leasing / Ordinary revenue ¥605 million / Year-on-year change ¥38 million / Year-on-year (%) Not disclosed, Segment Credit card and credit guarantee services / Ordinary revenue ¥28 million / Year-on-year change ¥0 million / Year-on-year (%) Not disclosed
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥16,600 million (YoY +9.3%)
Operating profitNot disclosed
Ordinary income¥1,100 million (YoY +59.9%)
Profit attributable to owners of the parent¥900 million (YoY +22.1%)
Annual Dividend Forecast¥5 → ¥5（0.0%）
Factors Behind Changes in Business Performance
Ordinary income increased as a result of higher investment income. Ordinary expenses increased, mainly due to higher funding costs. Total deposits increased as public-sector deposits grew, while loans decreased as lending to corporations declined. Securities holdings decreased due to declines in other securities and corporate bonds.
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 Number of companies 0 / Company name Not disclosed / Excluded Number of companies 0 / Company name Not disclosed
Impairment lossNo applicable matters.
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥5 million / Extraordinary loss Losses on disposal of fixed assets ¥0 million
Depreciation and amortization¥129 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable No / Subject person Not disclosed
Issued Shares at Period-End34,900,000 Shares
Treasury Shares at Period-End27,986 Shares
| 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 | ¥4,044 million (YoY +17.2%) |
| Ordinary income | ¥239 million (YoY +951.6%) |
| Profit attributable to owners of the parent | ¥262 million (YoY +309.3%) |
| Net income per share | ¥7.53 |
| Equity ratio | End of the current fiscal period 2.9% / End of previous period 2.9% |
| Total assets | ¥803,797 million |
| Net assets | ¥24,263 million |
| Full-year earnings forecast | Net Sales ¥16,600 million (YoY +9.3%) / Operating profit Not disclosed / Ordinary income ¥1,100 million (YoY +59.9%) / Profit attributable to owners of the parent ¥900 million (YoY +22.1%) |
| Annual Dividend Forecast | ¥5 → ¥5（0.0%） |
| Segment revenue | Segment Banking / Ordinary revenue ¥3,445 million / Year-on-year change ¥556 million / Year-on-year (%) Not disclosed, Segment Leasing / Ordinary revenue ¥605 million / Year-on-year change ¥38 million / Year-on-year (%) Not disclosed, Segment Credit card and credit guarantee services / Ordinary revenue ¥28 million / Year-on-year change ¥0 million / Year-on-year (%) Not disclosed |
| Segment profit | Segment Banking / Segment profit ¥239 million / Year-on-year change ¥217 million / Year-on-year (%) Not disclosed, Segment Leasing / Segment profit ¥-2 million / Year-on-year change ¥-1 million / Year-on-year (%) Not disclosed, Segment Credit card and credit guarantee services / Segment profit ¥2 million / Year-on-year change ¥0 million / Year-on-year (%) Not disclosed |
| Depreciation and amortization | ¥129 million |
| Impairment loss | No applicable matters. |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥5 million / Extraordinary loss Losses on disposal of fixed assets ¥0 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 Number of companies 0 / Company name Not disclosed / Excluded Number of companies 0 / Company name Not disclosed |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable No / Subject person Not disclosed |
| Issued Shares at Period-End | 34,900,000 Shares |
| Treasury Shares at Period-End | 27,986 Shares |
| Factors Behind Changes in Business Performance | Ordinary income increased as a result of higher investment income. Ordinary expenses increased, mainly due to higher funding costs. Total deposits increased as public-sector deposits grew, while loans decreased as lending to corporations declined. Securities holdings decreased due to declines in other securities and corporate bonds. |
Items this document does not state (12)
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 backlogMaterial subsequent events
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 as a result of higher investment income. Ordinary expenses also increased, mainly due to higher funding costs.
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.