Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPThe 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.
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.
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ million).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Interest income on operating loans increased due to an increase in operating loans. The provision for losses on interest repayment claims decreased. Net income increased primarily because the adjustment of corporate income taxes and other taxes increased in the direction of higher income following a change in the company classification used to assess the recoverability of deferred tax assets. In the Credit Guarantee Business, bad-debt-related expenses increased, resulting in lower operating income. In the Overseas Financial Business, profit increased, primarily because bad-debt-related expenses decreased, despite the impact of the weaker yen on foreign exchange.
None. The notes on going-concern assumptions state that there are no applicable matters.
| 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 | ¥337,709 million (YoY +6.3%) |
| Operating profit | ¥100,394 million (YoY +71.4%) |
| Ordinary income | ¥100,513 million (YoY +70.6%) |
| Profit attributable to owners of the parent | ¥79,635 million (YoY +147.9%) |
| Net income per share | ¥50.83 |
| Operating Margin | 29.7％ |
| Equity ratio | End of the current fiscal period 44.5％ / End of previous period 44.0％ |
| Total assets | ¥1,616,379 million |
| Net assets | ¥782,455 million |
| Cash flows from operating activities | ¥12,096 million |
| Cash flows from investing activities | ¥-4,910 million |
| Cash flows from financing activities | ¥13,105 million |
| Cash and cash equivalents at end of period | ¥80,397 million |
| Full-year earnings forecast | Net Sales ¥356,000 million (YoY +5.4%) / Operating profit ¥98,000 million (YoY -2.4%) / Ordinary income ¥98,500 million (YoY -2.0%) / Net income ¥63,800 million (YoY -19.9%) |
| Annual Dividend Forecast | ¥20 per share → ¥22 per share（+10.0%） |
| Payout ratio | 54.0％ |
| Segment revenue | Loans and Credit Card Business ¥181,889 million (YoY +7.3%), Credit guarantee business ¥81,039 million (YoY +6.2%), Overseas finance business ¥67,526 million (YoY +3.2%), Debt servicing and collection business ¥7,211 million (YoY +10.7%) |
| Segment profit | Loans and Credit Card Business ¥53,588 million (YoY +281.9%), Credit guarantee business ¥22,269 million (YoY -5.9%), Overseas finance business ¥22,865 million (YoY +18.1%), Debt servicing and collection business ¥1,348 million (YoY +5.6%) |
| Depreciation and amortization | ¥3,894 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on sale of non-current assets ¥490 million / Extraordinary loss Loss on sale of fixed assets ¥0 million, Loss on Disposal of Fixed Assets ¥250 million, Loss on sale of investment securities ¥0 million, Other ¥6 million |
| Disclosure regarding the going concern assumption | None. The notes on going-concern assumptions state that there are 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 0 / Excluded 0 / Company name None |
| Material subsequent events | Not applicable. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (for domestic and overseas institutional investors and analysts) |
| Issued Shares at Period-End | 1,566,614,098 |
| Treasury Shares at Period-End | 190 |
| Factors Behind Changes in Business Performance | Interest income on operating loans increased due to an increase in operating loans. The provision for losses on interest repayment claims decreased. Net income increased primarily because the adjustment of corporate income taxes and other taxes increased in the direction of higher income following a change in the company classification used to assess the recoverability of deferred tax assets. In the Credit Guarantee Business, bad-debt-related expenses increased, resulting in lower operating income. In the Overseas Financial Business, profit increased, primarily because bad-debt-related expenses decreased, despite the impact of the weaker yen on foreign exchange. |
Items this document does not state (5)
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 increase in operating revenue and operating income was attributed to higher interest income on operating loans resulting from an increase in operating loans, and a decrease in the provision for losses on interest repayment claims. The primary reason for the increase in net income attributable to owners of the parent was an increase in income in the adjustment of corporate income taxes and other taxes following a change in the company classification used to assess the recoverability of deferred tax assets.