Worth reading
52Recurring
Scored from 5 of 6 sectionsDirection
Deterioration
Direction inferred from the company’s description.Scale
-15.9
% (year-on-year change in operating income)Wording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026–30 September 2026ConsolidatedJapanese GAAPNet Sales98,733Million yenYear on year +1.7%Progress 50.2%
Operating profit11,172Million yenYear on year -15.9%Progress 101.6%
Ordinary income11,180Million yenYear on year -14.7%Progress 101.6%
Net income attributable to owners of the parent8,814Million yenYear on year -9.2%Progress 88.1%
The 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.
Net income per share¥196.83
Financial position at period-end
Total assets3,728,302Million yen
of which net assets 312,009 Million yenEquity ratio 8.2%vs. prior year-end +0.3pt
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.
Segment revenueDomestic business 88,409 Million yen (YoY +3.0%), Overseas business 10,285 Million yen (YoY -8.3%)
Segment profitDomestic business 10,981 Million yen (YoY -21.5%), Overseas business 116 Million yen
Outlook and shareholder returns
Full-year earnings forecast
Net Sales196,500 Million yen (YoY +2.2%)
Operating profit11,000 Million yen (YoY -46.1%)
Ordinary income11,000 Million yen (YoY -45.7%)
Net income10,000 Million yen (YoY -34.7%)
Revision to Earnings ForecastNot disclosed → Net Sales 196,500 Million yen (YoY +2.2%) / Operating profit 11,000 Million yen (YoY -46.1%) / Ordinary income 11,000 Million yen (YoY -45.7%) / Net income 10,000 Million yen (YoY -34.7%)
Annual Dividend Forecast200 Yen → 200 Yen（0.0%）
Factors Behind Changes in Business Performance
Operating revenue increased due to the buildup of credit guarantee balances and the reversal of deferred installment profit balances. Operating expenses increased due to higher system-related costs, including data center relocation expenses, and higher financial expenses resulting from rising funding costs.
Disclosure regarding the going concern assumption
No applicable matters.
Change in accounting policy
基準改正に伴う変更 Noneそれ以外の変更 None見積りの変更 None修正再表示 None
Changes in the scope of consolidationNew 0 companies / Excluded 0 companies / Company name Not disclosed
Breakdown of extraordinary income (loss)Extraordinary income Gain on sales of investment securities 1,800 Million yen / Extraordinary loss Loss on disposal of property, plant and equipment 4 Million yen, Loss on sales of investment securities 0 Million yen
Availability of Supplementary Financial Results MaterialsAvailable
Availability of Financial Results BriefingAvailable (for institutional investors and analysts)
Issued Shares at Period-End45,059,992 shares
Treasury Shares at Period-End271,858 shares
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026–30 September 2026 |
| Net Sales | 98,733 Million yen (YoY +1.7%) |
| Operating profit | 11,172 Million yen (YoY -15.9%) |
| Ordinary income | 11,180 Million yen (YoY -14.7%) |
| Profit attributable to owners of the parent | 8,814 Million yen (YoY -9.2%) |
| Net income per share | ¥196.83 |
| Equity ratio | End of the current fiscal period 8.2 / End of previous period 7.9 |
| Total assets | 3,728,302 Million yen |
| Net assets | 312,009 Million yen |
| Full-year earnings forecast | Net Sales 196,500 Million yen (YoY +2.2%) / Operating profit 11,000 Million yen (YoY -46.1%) / Ordinary income 11,000 Million yen (YoY -45.7%) / Net income 10,000 Million yen (YoY -34.7%) |
| Revision to Earnings Forecast | Not disclosed → Net Sales 196,500 Million yen (YoY +2.2%) / Operating profit 11,000 Million yen (YoY -46.1%) / Ordinary income 11,000 Million yen (YoY -45.7%) / Net income 10,000 Million yen (YoY -34.7%) |
| Annual Dividend Forecast | 200 Yen → 200 Yen（0.0%） |
| Segment revenue | Domestic business 88,409 Million yen (YoY +3.0%), Overseas business 10,285 Million yen (YoY -8.3%) |
| Segment profit | Domestic business 10,981 Million yen (YoY -21.5%), Overseas business 116 Million yen |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on sales of investment securities 1,800 Million yen / Extraordinary loss Loss on disposal of property, plant and equipment 4 Million yen, Loss on sales of investment securities 0 Million yen |
| Disclosure regarding the going concern assumption | No applicable matters. |
| Change in accounting policy | Changes due to revisions to standards None / Other changes None / Change in accounting estimate None / Restatement None |
| Changes in the scope of consolidation | New 0 companies / Excluded 0 companies / Company name Not disclosed |
| Availability of Supplementary Financial Results Materials | Available |
| Availability of Financial Results Briefing | Available (for institutional investors and analysts) |
| Issued Shares at Period-End | 45,059,992 shares |
| Treasury Shares at Period-End | 271,858 shares |
| Factors Behind Changes in Business Performance | Operating revenue increased due to the buildup of credit guarantee balances and the reversal of deferred installment profit balances. Operating expenses increased due to higher system-related costs, including data center relocation expenses, and higher financial expenses resulting from rising funding costs. |
Items this document does not state (12)
Operating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogDepreciation and amortizationImpairment lossMaterial subsequent events
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.In Japan, credit applications slowed and transaction volume declined due to the impact of interest rate hikes. Operating expenses increased due to higher system-related costs, including data center relocation expenses, and higher financial expenses resulting from rising funding costs. The company explained that the full-year forecast was revised following a review based on recent business performance.
How to read this page
This is not the documentKomori reads the disclosure the company filed and writes this summary. Figures are as stated by the company and are not audited.
Weight is not a verdictIt measures how much this changes what the company had already told the market. It is not a view on the shares.
Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.