Worth reading
32Immaterial
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
346
Millions of yenWording
Definitive
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026–30 September 2026ConsolidatedJapanese GAAPNet Sales8,363Millions of yenYear on year +16.1%Progress 50.4%
Ordinary income453Millions of yenYear on year +323.5%Progress 41.2%
Net income attributable to owners of the parent487Millions of yenYear on year +211.9%Progress 54.1%
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¥13.97
Financial position at period-end
Total assets807,463Millions of yen
of which net assets 24,737 Millions of yenEquity ratio 3.0%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 7,138 Millions of yen (YoY +18.3%), Leasing 1,168 Millions of yen (YoY +5.3%), Credit cards and credit guarantees 56 Millions of yen (YoY 0.0%)
Segment profitBanking 430 Millions of yen (YoY +347.9%), Leasing 21 Millions of yen (YoY +31.3%), Credit cards and credit guarantees 1 Millions of yen
Outlook and shareholder returns
Full-year earnings forecast
Net Sales16,600 Millions of yen (YoY +9.3%)
Operating profitNot disclosed
Ordinary income1,100 Millions of yen (YoY +59.9%)
Net income900 Millions of yen (YoY +22.1%)
Annual Dividend Forecast5 Yen → 5 Yen（0.0%）
Factors Behind Changes in Business Performance
Ordinary revenue increased due to higher funds investment income, while ordinary expenses also increased mainly due to higher funding costs.
Disclosure regarding the going concern assumption
No applicable items
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 0 companies (none applicable) / Excluded 0 companies (none applicable)
Impairment loss¥0 million (no impairment loss on fixed assets)
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets 5 Millions of yen / Extraordinary loss Loss on disposal of fixed assets 0 Millions of yen
Depreciation and amortization259 Millions of yen
Availability of Supplementary Financial Results MaterialsAvailable
Availability of Financial Results BriefingYes (attendees not specified)
Issued Shares at Period-End34,900,000 shares
Treasury Shares at Period-End28,406 treasury shares
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026–30 September 2026 |
| Net Sales | 8,363 Millions of yen (YoY +16.1%) |
| Ordinary income | 453 Millions of yen (YoY +323.5%) |
| Profit attributable to owners of the parent | 487 Millions of yen (YoY +211.9%) |
| Net income per share | ¥13.97 |
| Equity ratio | End of the current fiscal period 3.0% / End of previous period 2.9% |
| Total assets | 807,463 Millions of yen |
| Net assets | 24,737 Millions of yen |
| Full-year earnings forecast | Net Sales 16,600 Millions of yen (YoY +9.3%) / Operating profit Not disclosed / Ordinary income 1,100 Millions of yen (YoY +59.9%) / Net income 900 Millions of yen (YoY +22.1%) |
| Annual Dividend Forecast | 5 Yen → 5 Yen（0.0%） |
| Segment revenue | Banking 7,138 Millions of yen (YoY +18.3%), Leasing 1,168 Millions of yen (YoY +5.3%), Credit cards and credit guarantees 56 Millions of yen (YoY 0.0%) |
| Segment profit | Banking 430 Millions of yen (YoY +347.9%), Leasing 21 Millions of yen (YoY +31.3%), Credit cards and credit guarantees 1 Millions of yen |
| Depreciation and amortization | 259 Millions of yen |
| Impairment loss | ¥0 million (no impairment loss on fixed assets) |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets 5 Millions of yen / Extraordinary loss Loss on disposal of fixed assets 0 Millions of yen |
| Disclosure regarding the going concern assumption | No applicable items |
| 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 0 companies (none applicable) / Excluded 0 companies (none applicable) |
| Availability of Supplementary Financial Results Materials | Available |
| Availability of Financial Results Briefing | Yes (attendees not specified) |
| Issued Shares at Period-End | 34,900,000 shares |
| Treasury Shares at Period-End | 28,406 treasury shares |
| Factors Behind Changes in Business Performance | Ordinary revenue increased due to higher funds investment income, while ordinary expenses also increased mainly due to higher funding costs. |
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 revenue increased due to higher funds investment income. Ordinary expenses 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.