Results for this period
Interim period (second quarter)1 April 2026 to 30 September 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.
The primary factor behind the increase in operating revenue was higher interest income from operating loans. The primary factors behind the increase in operating expenses were higher financial expenses and higher credit-related costs associated with the expansion of the business. The primary factor behind the decrease in interim net income attributable to owners of the parent was the absence of the favorable impact on income taxes adjustment resulting from a change in the company classification used to assess the recoverability of deferred tax assets.
No applicable matters
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 September 2026 |
| Net Sales | ¥178,927 million (YoY +8.0%) |
| Operating profit | ¥57,282 million (YoY +6.0%) |
| Ordinary income | ¥57,382 million (YoY +5.8%) |
| Profit attributable to owners of the parent | ¥36,637 million (YoY -28.1%) |
| Net income per share | ¥23.39 |
| Equity ratio | End of the current fiscal period 44.8 / End of previous period 44.5 |
| Total assets | ¥1,639,662 million |
| Net assets | ¥798,491 million |
| Cash flows from operating activities | ¥-22,593 million |
| Cash flows from investing activities | ¥-6,538 million |
| Cash flows from financing activities | ¥2,078 million |
| Cash and cash equivalents at end of period | ¥53,539 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 change |
| Annual Dividend Forecast | 22 Yen → 22 Yen（0.0%） |
| Segment revenue | Loans and Credit Card Business ¥95,887 million (YoY +6.6%), Credit Guarantee Business ¥42,578 million (YoY +7.0%), Overseas Finance Business ¥36,258 million (YoY +11.5%), Debt Management and Collection Business ¥4,196 million (YoY +25.2%) |
| Segment profit | Loans and Credit Card Business ¥32,719 million (YoY +7.1%), Credit Guarantee Business ¥10,292 million (YoY -12.1%), Overseas Finance Business ¥13,314 million (YoY +22.1%), Debt Management and Collection Business ¥891 million (YoY +34.2%) |
| Depreciation and amortization | ¥2,079 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on sale of property, plant and equipment ¥26 million, Gain on sale of investment securities ¥0 million / Extraordinary loss Loss on disposal of fixed assets ¥151 million, Loss on sales of investment securities ¥2 million, Other ¥2 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 | No material changes (0 additions, 0 exclusions) |
| 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 | The primary factor behind the increase in operating revenue was higher interest income from operating loans. The primary factors behind the increase in operating expenses were higher financial expenses and higher credit-related costs associated with the expansion of the business. The primary factor behind the decrease in interim net income attributable to owners of the parent was the absence of the favorable impact on income taxes adjustment resulting from a change in the company classification used to assess the recoverability of deferred tax assets. |
Items this document does not state (7)
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 primary factor behind the increase in operating revenue was higher interest income from operating loans. The primary factors behind the increase in operating expenses were higher financial expenses and higher credit-related costs associated with the expansion of the business. The primary factor behind the decrease in interim net income attributable to owners of the parent was the absence of the favorable impact on income taxes adjustment resulting from a change in the company classification used to assess the recoverability of deferred tax assets.