Komori
O

Orient Corporation

8585Financials (excluding banks)Mid cap
755JPY-7.6%
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Price history
¥755Latest-39.1%
Drag across the chart to measure the move between two points.Delayed 15 minutes · monthly closing basis
Business overview

This report extracts an overview of the Orient Corporation Group’s business from its annual securities report. The Group’s five reportable segments are Payments and Guarantees, its core business, Overseas Business, Card and Lending, Individual Installment Sales, and Bank Guarantees. Under its medium-term plan covering the fiscal years ending March 2026 through March 2030, the Group reported ordinary profit of ¥14.4 billion, ROE of 5.3%, and a general expense ratio of 63.3% for the fiscal year ending March 2026. For the fiscal year ending March 2030, it targets ordinary profit of more than ¥50 billion, ROE of more than 12%, and a general expense ratio in the low 50% range. Capital expenditures reached ¥13.4 billion, mainly for systems, and the Group also provides financial services including auto loans and auto leasing.

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Key numbersShowing 8 of 18
PER
234.48How many years of earnings it would take to buy the stock. The market average is generally considered to be around 15.
PBR
0.53How many times the company's net assets? Around 1x is generally considered a benchmark.
ROE
0.2%Earning power. A figure above 10% is generally considered good.
Dividend yield
0.0%The annual dividend as a percentage of the share price.
Market capitalization
¥132bnShare price × number of shares. The value of the entire company.
Equity ratio
8.3%The proportion of assets funded by money that does not have to be repaid.
Operating margin
2.3%The percentage of revenue remaining from the company’s core business.
Revenue growth (3 years)
0.6%The average annual growth in sales over the past three years.
What to watch next
Evidence of improved operating efficiency and processing capacity following the renewal of the application-processing operations system, scheduled for completion in December 2026
Around December 2026Impact MediumLikelihood Medium
Earnings periods in which progress can be assessed against the medium-term plan targets of improving the expense ratio to the low 50% range and ROE to above 12%
Each reporting period toward 2027 to 2030Impact HighLikelihood Medium
Whether credit risk in the overseas business, including concerns over deteriorating credit conditions in individual countries, materializes or remains contained, as reflected in the performance of the credit and recovery framework
Quarterly, with ongoing monitoringImpact HighLikelihood Medium
Effectiveness of risk management for cybersecurity and personal data protection, including the presence or absence of incidents and enhancements to operating practices
Ongoing monitoringImpact MediumLikelihood Low
What to watch next
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Who owns itTop holders total 74.4%
Listed holders 74.4%Everyone else 25.6%
Mizuho Bank, Ltd.48.66%
INTERTRUSTEES（CAYMAN）LIMITED SOLELY IN ITS CAPACITY AS TRUSTEE OF JAPAN-UP9.74%
The Master Trust Bank of Japan, Ltd. (Trust Account)5.15%
Custody Bank of Japan, Ltd. (Trust Account).2.95%
INTERTRUSTEES TRUSTEES CAYMAN ISLANDS2.03%
J.P. MORGAN MARKETS LIMITED1.57%
Chuo-Nippon Land & Building Co., Ltd.1.11%
STATE STREET BANK AND TRUST COMPANY（常任代理人 みずほ銀行決済営業部）1.09%
2 other listed holders2.06%
Who owns it
HolderOwnership (%)
Mizuho Bank, Ltd.48.66
INTERTRUSTEES（CAYMAN）LIMITED SOLELY IN ITS CAPACITY AS TRUSTEE OF JAPAN-UP9.74
The Master Trust Bank of Japan, Ltd. (Trust Account)5.15
Custody Bank of Japan, Ltd. (Trust Account).2.95
INTERTRUSTEES TRUSTEES CAYMAN ISLANDS2.03
J.P. MORGAN MARKETS LIMITED1.57
Chuo-Nippon Land & Building Co., Ltd.1.11
STATE STREET BANK AND TRUST COMPANY（常任代理人 みずほ銀行決済営業部）1.09
2 other listed holders2.06
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