Komori
Presentation materials for financial results8566RICOH LEASING COMPANY,LTD.Financials (excluding banks)

Summary of Results for the Fiscal Year Ending March 2026 (Fiscal 2025)

In the fiscal year ending March 2026, revenue increased due to growth in operating assets and improved yields, while revenue and gross profit reached record highs. However, operating income and ordinary income declined due to investments in human resources and IT, as well as higher funding costs, and net income fell short of plan due to the recording of an extraordinary loss.

Worth reading
66In focus
0–100. This measures how worthwhile something is to read, not how good or bad the company is.
Direction
Mixed performance
Direction inferred from the company’s description.
Scale
—
Displayed only when the document provides numerical figures.
Wording
Conditional
How definitive the wording is.

Contents of this document

Presentation materials for financial resultsFiscal year ending March 202612 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales3,385 Hundreds of millions of yen+8.5%
Operating profit206 Hundreds of millions of yen-5.1%
Ordinary income210 Hundreds of millions of yen-4.5%
Net income128 Hundreds of millions of yen-18.1%
Selling, general and administrative expenses295 Hundreds of millions of yen
Full-year earnings forecast
Fiscal year ending March 2026
Net Sales
3,200 Hundreds of millions of yen
Gross profit
480 Hundreds of millions of yen
Selling, general and administrative expenses
290 Hundreds of millions of yen
Operating profit
190 Hundreds of millions of yen
Ordinary income
192 Hundreds of millions of yen
Net income for the current fiscal year
132 Hundreds of millions of yen
Progress against full-year forecast　通期の予想に対して、いまどこまで進んだかの割合です。
Net Sales105.8%
Gross profit104.5%
Selling, general and administrative expenses101.9%
Operating profit108.5%
Ordinary income109.6%
Net income for the current fiscal year97.1%
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
Operating income and ordinary income met the initial plan, while net income fell short of plan due to the recording of an extraordinary loss
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
  • Lease and installment finance net profit+¥3.36 billion
  • Loan net profit+¥1.06 billion
  • Service business net profit+¥270 million
  • Investment business net profit+¥310 million
  • Funding costs-¥910 million
  • Human Capital-¥770 million
  • Strategic expenses-¥160 million
  • Other SG&A expenses-¥870 million
Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.
  • AssumptionsInterest rate hikes during the FY2026–FY2028 medium-term plan period
    FiguresTwice in FY2026
New initiatives
  • Reorganize the segments into 3 businesses
  • Introduction of a progressive dividend policy
  • Make special dividend payments consecutively for 6 years from FY2026
  • Introduction of an employee share-based compensation plan
  • Establish allowances for advanced professional qualifications
  • Introduce relocation and regional allowances
  • Establish an AI Digital Promotion Division
  • Consider AI-related investments
Key KPIsA metric the company considers important as a management benchmark.
  • Operating assets12,832 Hundreds of millions of yen
    Year on year against the same period last year¥61.5 billion vs. previous fiscal year-end
  • Loss ratio0.14%
  • Funding cost ratio0.59%
  • Total contract execution volume4,534 Hundreds of millions of yen
    Year on year against the same period last year-2.9%
  • Number of collection agency transactions4,068 ten thousand items
    Year on year against the same period last year+23.8%
  • Healthcare factoring volume1,014 Hundreds of millions of yen
    Year on year against the same period last year+8.3%
Segment results
  • Office segment
    Net Sales1,207 Hundreds of millions of yen (YoY +5.0%)
    Net profit178 Hundreds of millions of yen (YoY +11.1%)
  • Capital investment segment
    Net Sales1,086 Hundreds of millions of yen (YoY +10.5%)
    Net profit118 Hundreds of millions of yen (YoY +11.5%)
  • Medical and healthcare segment
    Net Sales289 Hundreds of millions of yen (YoY +4.7%)
    Net profit63 Hundreds of millions of yen (YoY +6.9%)
  • Real estate segment
    Net Sales213 Hundreds of millions of yen (YoY +19.1%)
    Net profit97 Hundreds of millions of yen (YoY +10.7%)
  • Environmental Business
    Net Sales306 Hundreds of millions of yen (YoY +8.7%)
    Net profit38 Hundreds of millions of yen (YoY +0.4%)
  • as a Service segment
    Net Sales196 Hundreds of millions of yen (YoY +14.0%)
    Net profit36 Hundreds of millions of yen (YoY +14.6%)
  • BPO segment
    Net Sales85 Hundreds of millions of yen (YoY +10.9%)
    Net profit40 Hundreds of millions of yen (YoY +4.8%)
Medium-term management plan targets
PlanFY2026–FY2028 medium-term management plan
Target fiscal yearFiscal year ending March 2029
Target value
  • Gross profit551 Hundreds of millions of yen
  • Operating profit210 Hundreds of millions of yen
  • Net income145 Hundreds of millions of yen
  • ROA0.93%
  • ROE5.7%
  • Annual dividend per share¥258
  • Balance of operating assets13,940 Hundreds of millions of yen
  • Value added + growth investment401 Hundreds of millions of yen
Comparison with actual resultsComparison with FY2026 results included
Financial targets
  • Equity ratio
    Target valueApproximately 15%
  • ROE
    Target valueAt least 8.0%
    Actual value5.4%
  • PBR
    Target valueAt least 1.2x
    Actual value0.74x
  • Productivity
    Target valueAt least 1.5 times
Orders received and order backlog
Contract execution volume
4,534 Hundreds of millions of yen-2.9%
Capital expenditures
10 Approximately ¥100 million annual AI-related investment under consideration
Annual Dividend
Annual dividend per share¥185
Payout ratio
Rate44.5%
Contents of this document
ItemDetails
Document typePresentation materials for financial results
Fiscal Period CoveredFiscal year ending March 2026
Net Sales3,385 Hundreds of millions of yen (YoY +8.5%)
Operating profit206 Hundreds of millions of yen (YoY -5.1%)
Ordinary income210 Hundreds of millions of yen (YoY -4.5%)
Net income128 Hundreds of millions of yen (YoY -18.1%)
Selling, general and administrative expenses295 Hundreds of millions of yen
Full-year earnings forecastSubject Fiscal year ending March 2026 / Net Sales 3,200 Hundreds of millions of yen / Gross profit 480 Hundreds of millions of yen / Selling, general and administrative expenses 290 Hundreds of millions of yen / Operating profit 190 Hundreds of millions of yen / Ordinary income 192 Hundreds of millions of yen / Net income for the current fiscal year 132 Hundreds of millions of yen
Progress against full-year forecastNet Sales 105.8% / Gross profit 104.5% / Selling, general and administrative expenses 101.9% / Operating profit 108.5% / Ordinary income 109.6% / Net income for the current fiscal year 97.1%
Self-assessment against the planOperating income and ordinary income met the initial plan, while net income fell short of plan due to the recording of an extraordinary loss
Segment resultsSegment Office segment / Net Sales 1,207 Hundreds of millions of yen (YoY +5.0%) / Net profit 178 Hundreds of millions of yen (YoY +11.1%), Segment Capital investment segment / Net Sales 1,086 Hundreds of millions of yen (YoY +10.5%) / Net profit 118 Hundreds of millions of yen (YoY +11.5%), Segment Medical and healthcare segment / Net Sales 289 Hundreds of millions of yen (YoY +4.7%) / Net profit 63 Hundreds of millions of yen (YoY +6.9%), Segment Real estate segment / Net Sales 213 Hundreds of millions of yen (YoY +19.1%) / Net profit 97 Hundreds of millions of yen (YoY +10.7%), Segment Environmental Business / Net Sales 306 Hundreds of millions of yen (YoY +8.7%) / Net profit 38 Hundreds of millions of yen (YoY +0.4%), Segment as a Service segment / Net Sales 196 Hundreds of millions of yen (YoY +14.0%) / Net profit 36 Hundreds of millions of yen (YoY +14.6%), Segment BPO segment / Net Sales 85 Hundreds of millions of yen (YoY +10.9%) / Net profit 40 Hundreds of millions of yen (YoY +4.8%)
Breakdown of Factors Affecting the ChangeFactors Lease and installment finance net profit / Amount +¥3.36 billion, Factors Loan net profit / Amount +¥1.06 billion, Factors Service business net profit / Amount +¥270 million, Factors Investment business net profit / Amount +¥310 million, Factors Funding costs / Amount -¥910 million, Factors Human Capital / Amount -¥770 million, Factors Strategic expenses / Amount -¥160 million, Factors Other SG&A expenses / Amount -¥870 million
Key KPIsIndicator name Operating assets / Value 12,832 Hundreds of millions of yen / Year on year against the same period last year ¥61.5 billion vs. previous fiscal year-end, Indicator name Loss ratio / Value 0.14% / Year on year against the same period last year Not disclosed, Indicator name Funding cost ratio / Value 0.59% / Year on year against the same period last year Not disclosed, Indicator name Total contract execution volume / Value 4,534 Hundreds of millions of yen / Year on year against the same period last year -2.9 Hundreds of millions of yen, Indicator name Number of collection agency transactions / Value 4,068 ten thousand items / Year on year against the same period last year 23.8 ten thousand items, Indicator name Healthcare factoring volume / Value 1,014 Hundreds of millions of yen / Year on year against the same period last year 8.3 Hundreds of millions of yen
Assumptions Underlying the Business OutlookAssumptions Interest rate hikes during the FY2026–FY2028 medium-term plan period / Figures Twice in FY2026
Medium-term management plan targetsPlan FY2026–FY2028 medium-term management plan / Target fiscal year Fiscal year ending March 2029 / Target value Item Gross profit / Value 551 Hundreds of millions of yen, Item Operating profit / Value 210 Hundreds of millions of yen, Item Net income / Value 145 Hundreds of millions of yen, Item ROA / Value 0.93%, Item ROE / Value 5.7%, Item Annual dividend per share / Value ¥258, Item Balance of operating assets / Value 13,940 Hundreds of millions of yen, Item Value added + growth investment / Value 401 Hundreds of millions of yen / Comparison with actual results Comparison with FY2026 results included
Financial targetsItem Equity ratio / Target value Approximately 15% / Actual value Not disclosed, Item ROE / Target value At least 8.0% / Actual value 5.4%, Item PBR / Target value At least 1.2x / Actual value 0.74x, Item Productivity / Target value At least 1.5 times / Actual value Not disclosed
Annual DividendAnnual dividend per share ¥185 / Interim and Year-End Breakdown Not disclosed
Payout ratioRate 44.5% / Total payout ratio Not disclosed / DOE Not disclosed
Capital expenditures10 Approximately ¥100 million (annual AI-related investment under consideration)
Orders received and order backlogContract execution volume 4,534 Hundreds of millions of yen (YoY -2.9%) / Order backlog Not disclosed
New initiativesReorganize the segments into 3 businesses, Introduction of a progressive dividend policy, Make special dividend payments consecutively for 6 years from FY2026, Introduction of an employee share-based compensation plan, Establish allowances for advanced professional qualifications, Introduce relocation and regional allowances, Establish an AI Digital Promotion Division, Consider AI-related investments
Items this document does not state (10)
Gross Profit MarginOperating profit marginResults for the three months of the current quarterUnit price and quantity metricsNumber of stores and locationsNumber of employeesRisk amount incorporated into the outlookAcquisition of treasury sharesMarket Size / ShareKey points of the Q&A

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.

The increases in revenue and gross profit were due to growth in operating assets and improved asset yields. The decline in operating income was due to higher funding costs and increased SG&A expenses and strategic expenses associated with strengthening the business infrastructure, including human resources and IT. Net income fell short of plan due to the recording of an extraordinary loss.

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.
Summary of Results for the Fiscal Year Ending March 2026 (Fiscal 2025) | RICOH LEASING COMPANY,LTD. (8566) timely disclosure | Komori