Revised forecast
Fiscal year ending March 2027 · Full year (also including differences between the forecast and actual results for the second quarter (interim period))Previous forecast published May 2026 (initial full-year forecast), 6 August 2026 (interim-period forecast)The bar length represents the relative magnitude of change, based on the item that changed the most in this document. The percentage change shown by the dotted line is calculated from the two reported figures because the company did not provide the rate.
Operating revenue is expected to increase because the decline in transaction volume in the credit business following the interest rate hikes is expected to be smaller than anticipated. However, operating profit and ordinary profit were left unchanged because selling, general and administrative expenses associated with the increase in transaction volume, as well as financial expenses resulting from a review of the interest rate scenario and the securitization of low-yield receivables, are expected to increase. Net income was also left unchanged because the special losses associated with the structural reforms are expected to be offset by the sale of cross-held shares.
Special losses associated with organizational restructuring and workforce rationalization are expected to be recorded. Amount: Not disclosed.
| Item | Details |
|---|---|
| Net Sales | 192,500 Million yen → 196,500 Million yen（+2.1%） |
| Operating profit | 11,000 Million yen → 11,000 Million yen |
| Ordinary income | 11,000 Million yen → 11,000 Million yen |
| Profit attributable to owners of the parent | 10,000 Million yen → 10,000 Million yen |
| Net income per share | 223.42 yen and sen → 223.31 yen and sen |
| Fiscal Period Covered | Fiscal year ending March 2027 |
| Period Covered | Full year (also including differences between the forecast and actual results for the second quarter (interim period)) |
| Publication date of previous forecast | May 2026 (initial full-year forecast), 6 August 2026 (interim-period forecast) |
| Previous-period results | Operating revenue: ¥192,315 million; operating profit: ¥20,414 million; ordinary profit: ¥20,258 million; net income attributable to owners of the parent: ¥15,314 million; basic earnings per share: ¥380.28 |
| Reason for the revision | Operating revenue is expected to increase because the decline in transaction volume in the credit business following the interest rate hikes is expected to be smaller than anticipated. However, operating profit and ordinary profit were left unchanged because selling, general and administrative expenses associated with the increase in transaction volume, as well as financial expenses resulting from a review of the interest rate scenario and the securitization of low-yield receivables, are expected to increase. Net income was also left unchanged because the special losses associated with the structural reforms are expected to be offset by the sale of cross-held shares. |
| Details and amount of extraordinary loss | Special losses associated with organizational restructuring and workforce rationalization are expected to be recorded. Amount: Not disclosed. |
| Dividend forecast revision | No change (there will be no change to the dividend forecast in connection with this revision to the earnings forecast) |
| Consolidated / non-consolidated | Consolidated |
The reasons the company gives
The company's own explanation, not something inferred from the numbers.For the interim period, transaction volume in the credit business, mainly housing renovations, remained firm in the domestic business. In addition, selling, general and administrative expenses were controlled and certain expenses were deferred, resulting in performance above forecast. For the full year, operating revenue is expected to increase because the decline in transaction volume following the interest rate hikes is expected to be smaller than anticipated. However, profit forecasts were left unchanged because selling, general and administrative expenses and financial expenses are expected to increase.