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.
While transaction volume declined in some areas due to a slowdown in credit applications and business restructuring in Indonesia, transaction volume increased as a result of continuing transactions with existing partners, expanding demand for four-wheel vehicles in Vietnam, and expansion into regional areas of the Philippines. Operating revenue increased due to the reversal of deferred installment profit balances and the accumulation of credit guarantee balances, but profit declined due to higher system-related expenses and financial expenses resulting from rising funding interest rates.
None ("There are 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 | 49,281 Millions of yen (YoY +3.3%) |
| Operating profit | 6,035 Millions of yen (YoY -4.1%) |
| Ordinary income | 6,066 Millions of yen (YoY -3.8%) |
| Profit attributable to owners of the parent | 4,163 Millions of yen (YoY -5.7%) |
| Net income per share | ¥92.98 |
| Equity ratio | End of the current fiscal period 7.9 / End of previous period 7.9 |
| Total assets | 3,784,409 Millions of yen |
| Net assets | 305,355 Millions of yen |
| Full-year earnings forecast | Net Sales 192,500 Millions of yen (YoY +0.1%) / Operating profit 11,000 Millions of yen (YoY -46.1%) / Ordinary income 11,000 Millions of yen (YoY -45.7%) / Net income 10,000 Millions of yen (YoY -34.7%) |
| Annual Dividend Forecast | ¥200 → ¥200（0.0%） |
| Segment revenue | Domestic 44,080 Millions of yen (YoY +5.6%) / Overseas expansion 5,195 Millions of yen (YoY -12.1%) |
| Segment profit | Domestic 6,053 Millions of yen (YoY -10.9%) / Overseas expansion -13 Millions of yen |
| Depreciation and amortization | 2,941 Millions of yen |
| Breakdown of extraordinary income (loss) | Extraordinary income Item Gain on sale of investment securities / Amount 0 Millions of yen / Extraordinary loss Item Loss on Disposal of Fixed Assets / Amount 2 Millions of yen, Item Loss on sale of investment securities / Amount 0 Millions of yen |
| Disclosure regarding the going concern assumption | None ("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 companies (company name: —) / Excluded 0 companies (company name: —) |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | No (対象者：記載なし) |
| Issued Shares at Period-End | 45,059,992 Shares |
| Treasury Shares at Period-End | 281,926 Shares |
| Factors Behind Changes in Business Performance | While transaction volume declined in some areas due to a slowdown in credit applications and business restructuring in Indonesia, transaction volume increased as a result of continuing transactions with existing partners, expanding demand for four-wheel vehicles in Vietnam, and expansion into regional areas of the Philippines. Operating revenue increased due to the reversal of deferred installment profit balances and the accumulation of credit guarantee balances, but profit declined due to higher system-related expenses and financial expenses resulting from rising funding interest rates. |
Items this document does not state (12)
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 the accumulation of credit guarantee balances. Operating expenses also increased, primarily due to higher system-related expenses, including data center relocation costs, and higher financial expenses resulting from rising funding interest rates.