Worth reading
44Recurring
Scored from 5 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
476
¥ million (year-on-year increase in consolidated ordinary profit)Wording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPNet Sales15,499¥ million (ordinary income)Year on year +17.1%
Ordinary income2,493Millions of yenYear on year +23.6%Progress 99.7%
Net income attributable to owners of the parent1,680Millions of yenYear on year +26.3%Progress 105.0%
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¥132.66
Financial position at period-end
Total assets870,980Millions of yen
of which net assets 30,034 Millions of yenEquity ratio 3.3%vs. prior year-end -0.4pt
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.
Cash inflows and outflows
Operating-5,287
Investment+4,744
Financials-387
Net change-930
Stacked from zero: upward is an increase in cash, downward a decrease (in Millions of yen).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Cash and cash equivalents at end of period34,099 Millions of yen
Segment revenueBanking operations 14,177 Millions of yen (YoY +19.6%), Leasing operations 1,076 Millions of yen (YoY -4.0%)
Segment profitBanking operations ¥2,420 million (on an ordinary income basis) (YoY +24.4%), Leasing operations ¥47 million (on an ordinary income basis) (YoY -11.3%)
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income2,500 Millions of yen (YoY +0.3%)
Net income1,600 Millions of yen (YoY -4.8%)
Annual Dividend Forecast¥40 → ¥40（0.0%）
Payout ratio31.7
Shareholder Return PolicyThe dividend payout ratio against net income attributable to owners of the parent is targeted at 30%.
Factors Behind Changes in Business Performance
Increase in funds investment income due to higher interest on loans and interest and dividends on securities. Increase in funds procurement expenses due to higher interest on deposits, and increase in other operating expenses due to higher losses on sales of government bonds and other securities.
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 additions or exclusions (no material change in the scope of consolidation)
Material subsequent eventsNo applicable matters.
Impairment lossNo applicable matters.
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets 1 Millions of yen / Extraordinary loss Losses on disposal of fixed assets 0 Millions of yen
Depreciation and amortization501 Millions of yen
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingAvailable (participants not specified)
Issued Shares at Period-End12,701,462 shares
Treasury Shares at Period-End28,246 treasury shares
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Net Sales | ¥15,499 million (ordinary income) (YoY +17.1%) |
| Ordinary income | 2,493 Millions of yen (YoY +23.6%) |
| Profit attributable to owners of the parent | 1,680 Millions of yen (YoY +26.3%) |
| Net income per share | ¥132.66 |
| Equity ratio | End of the current fiscal period 3.3 / End of previous period 3.7 |
| Total assets | 870,980 Millions of yen |
| Net assets | 30,034 Millions of yen |
| Cash flows from operating activities | -5,287 Millions of yen |
| Cash flows from investing activities | 4,744 Millions of yen |
| Cash flows from financing activities | -387 Millions of yen |
| Cash and cash equivalents at end of period | 34,099 Millions of yen |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income 2,500 Millions of yen (YoY +0.3%) / Net income 1,600 Millions of yen (YoY -4.8%) |
| Annual Dividend Forecast | ¥40 → ¥40（0.0%） |
| Payout ratio | 31.7 |
| Shareholder Return Policy | The dividend payout ratio against net income attributable to owners of the parent is targeted at 30%. |
| Segment revenue | Banking operations 14,177 Millions of yen (YoY +19.6%), Leasing operations 1,076 Millions of yen (YoY -4.0%) |
| Segment profit | Banking operations ¥2,420 million (on an ordinary income basis) (YoY +24.4%), Leasing operations ¥47 million (on an ordinary income basis) (YoY -11.3%) |
| Depreciation and amortization | 501 Millions of yen |
| Impairment loss | No applicable matters. |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets 1 Millions of yen / Extraordinary loss Losses on disposal of fixed assets 0 Millions of yen |
| 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 additions or exclusions (no material change in the scope of consolidation) |
| Material subsequent events | No applicable matters. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Available (participants not specified) |
| Issued Shares at Period-End | 12,701,462 shares |
| Treasury Shares at Period-End | 28,246 treasury shares |
| Factors Behind Changes in Business Performance | Increase in funds investment income due to higher interest on loans and interest and dividends on securities. Increase in funds procurement expenses due to higher interest on deposits, and increase in other operating expenses due to higher losses on sales of government bonds and other securities. |
Items this document does not state (5)
Operating profitOperating MarginRevision to Earnings ForecastRegional 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.Funds investment income increased due to higher interest on loans and interest and dividends on securities. Meanwhile, funds procurement expenses increased due to higher interest on deposits, while other operating expenses increased due to higher losses on sales of government bonds and other securities.
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.