Results for this period
First quarter1 April 2026 to 30 June 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.
The increase in operating revenue was mainly due to higher interest income on operating loans. The increase in operating expenses was mainly due to higher financial expenses and higher allowance-related expenses associated with business expansion. The decline in net income attributable to owners of the parent was mainly due to the favorable impact on deferred income tax adjustments resulting from a change in the company classification used to assess the recoverability of deferred tax assets falling away.
No applicable matters.
| 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 | ¥88,731 million (YoY +7.7%) |
| Operating profit | ¥29,650 million (YoY +5.3%) |
| Ordinary income | ¥29,642 million (YoY +4.9%) |
| Profit attributable to owners of the parent | ¥19,141 million (YoY -43.9%) |
| Net income per share | ¥12.22 |
| Equity ratio | End of the current fiscal period 44.6 / End of previous period 44.5 |
| Total assets | ¥1,603,511 million |
| Net assets | ¥778,785 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%) |
| Revision to Earnings Forecast | No |
| Annual Dividend Forecast | ¥22 → ¥22（0.0%） |
| Segment revenue | Loans and Credit Card Business ¥47,567 million, Credit guarantee business ¥20,878 million, Overseas finance business ¥18,149 million, Debt servicing and collection business ¥2,106 million |
| Segment profit | Loans and Credit Card Business ¥16,469 million, Credit guarantee business ¥5,513 million, Overseas finance business ¥7,175 million, Debt servicing and collection business ¥433 million |
| Depreciation and amortization | ¥1,025 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on sale of non-current assets ¥24 million, Gain on sale of investment securities ¥0 million / Extraordinary loss Loss on Disposal of Fixed Assets ¥78 million, Loss on sale of investment securities ¥2 million, Other ¥1 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 No / Excluded No / Company name Not disclosed |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Domestic institutional investors and analysts |
| Issued Shares at Period-End | 1,566,614,098 Shares |
| Treasury Shares at Period-End | 190 Shares |
| Factors Behind Changes in Business Performance | The increase in operating revenue was mainly due to higher interest income on operating loans. The increase in operating expenses was mainly due to higher financial expenses and higher allowance-related expenses associated with business expansion. The decline in net income attributable to owners of the parent was mainly due to the favorable impact on deferred income tax adjustments resulting from a change in the company classification used to assess the recoverability of deferred tax assets falling away. |
Items this document does not state (11)
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 was mainly due to higher interest income on operating loans. The increase in operating expenses was mainly due to higher financial expenses and higher allowance-related expenses associated with business expansion. The decline in net income attributable to owners of the parent was mainly due to the absence of the favorable impact on deferred income tax adjustments resulting from a change in the company classification used to assess the recoverability of deferred tax assets.