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.
Operating revenue increased due to the reversal of deferred installment profit balances and growth in outstanding credit guarantees. Although credit-related expenses declined as asset quality improved in the overseas business, operating expenses increased because financial expenses rose as a result of higher funding costs and expanding funding demand in the domestic business. In the overseas business, transaction volume declined because of the weak business environment in Indonesia and the delayed realization of benefits from business restructuring.
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 | ¥192,315 million (YoY +0.7%) |
| Operating profit | ¥20,414 million (YoY -20.7%) |
| Ordinary income | ¥20,258 million (YoY -21.4%) |
| Profit attributable to owners of the parent | ¥15,314 million (YoY -17.8%) |
| Net income per share | ¥380.28 |
| Operating Margin | 10.6％ |
| Equity ratio | End of the current fiscal period 7.9％ / End of previous period 6.5％ |
| Total assets | ¥3,752,420 million |
| Net assets | ¥302,376 million |
| Cash flows from operating activities | ¥23,136 million |
| Cash flows from investing activities | ¥-12,229 million |
| Cash flows from financing activities | ¥-41,159 million |
| Cash and cash equivalents at end of period | ¥144,634 million |
| Full-year earnings forecast | Net Sales ¥192,500 million (YoY +0.1%) / Operating profit ¥11,000 million (YoY -46.1%) / Ordinary income ¥11,000 million (YoY -45.7%) / Net income ¥10,000 million (YoY -34.7%) |
| Annual Dividend Forecast | ¥200 per share → ¥200 per share（0.0%） |
| Payout ratio | Fiscal year ended March 2026: 52.6%; fiscal year ending March 2027 forecast: 89.5% |
| Shareholder Return Policy | The Company uses a DOE (dividend on equity) ratio of 3.0% or a payout ratio of 40% as a guideline, applying whichever is higher. It aims to provide stable shareholder returns of at least ¥200 per share. |
| Segment revenue | Domestic ¥170,415 million (YoY +3.3%), Overseas expansion ¥21,897 million (YoY -14.8%) |
| Segment profit | Domestic ¥22,888 million (YoY -21.6%), Overseas expansion ¥-2,465 million |
| Regional sales | ¥170,415 million (YoY +3.3%), ¥21,897 million (YoY -14.8%) |
| Depreciation and amortization | ¥11,536 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on sale of investment securities ¥2,025 million / Extraordinary loss Loss on Disposal of Fixed Assets ¥14 million, Loss on sale of investment securities ¥11 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 | 0 new companies and 0 excluded companies. Carsome Capital Sdn.Bhd. was newly added as an equity-method affiliate. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Available (for institutional investors and analysts) |
| Issued Shares at Period-End | 45,059,992 |
| Treasury Shares at Period-End | 282,714 |
| Factors Behind Changes in Business Performance | Operating revenue increased due to the reversal of deferred installment profit balances and growth in outstanding credit guarantees. Although credit-related expenses declined as asset quality improved in the overseas business, operating expenses increased because financial expenses rose as a result of higher funding costs and expanding funding demand in the domestic business. In the overseas business, transaction volume declined because of the weak business environment in Indonesia and the delayed realization of benefits from business restructuring. |
Items this document does not state (4)
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.Operating revenue increased due to the reversal of deferred installment profit balances and growth in outstanding credit guarantees. However, financial expenses increased as higher funding costs and expanding funding demand in the domestic business outweighed the decline in credit-related expenses resulting from improved asset quality in the overseas business. For the next fiscal year, the Company is reviewing part of its medium-term management plan in light of financial expenses arising from changes in the funding environment, system-related costs associated with changes to the data center relocation method, and delays in the recovery of business performance in Indonesia.