Worth reading
45Recurring
Scored from 5 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
17
% (year-on-year change in operating income)Wording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPNet Sales247,631¥ millionYear on year +1.0%Progress 95.2%
Operating profit14,444¥ millionYear on year +17.0%Progress 96.3%
Ordinary income14,444¥ millionYear on year +17.0%Progress 96.3%
Net income attributable to owners of the parent12,889¥ millionYear on year -7.6%Progress 99.1%
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¥75.30
Operating Margin5.8％
Financial position at period-end
Total assets2,844,481¥ million
of which net assets 257,188 ¥ millionEquity ratio 8.8%vs. prior year-end +0.5pt
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.
Cash inflows and outflows
Operating+22,123
Investment-21,164
Financials-68,039
Net change-67,080
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.
Cash and cash equivalents at end of period¥154,579 million
Segment revenuePayment and Guarantee Business ¥26,007 million (YoY +3.9%), Overseas Business ¥12,495 million (YoY -16.3%), Card and Financing Business ¥71,612 million (YoY +2.3%), Individual Installment Credit Business ¥77,002 million (YoY -1.6%), Bank Guarantee Business ¥37,610 million (YoY +7.4%)
Segment profitPayment and Guarantee Business ¥11,669 million, Overseas Business ¥-2,192 million, Card and Financing Business ¥60,014 million, Individual Installment Credit Business ¥38,773 million, Bank Guarantee Business ¥20,888 million
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥260,000 million (YoY +5.0%)
Operating profit¥15,000 million (YoY +3.8%)
Ordinary income¥15,000 million (YoY +3.8%)
Net income¥13,000 million (YoY +0.9%)
Annual Dividend Forecast¥40 → ¥40（0.0%）
Payout ratioCurrent fiscal year 53.3 ％ / Next-year forecast 52.9 ％
Shareholder Return PolicyProgressive dividends as the basic policy, with a consolidated dividend payout ratio of approximately 30% to 40%
Factors Behind Changes in Business Performance
Operating revenue increased mainly due to growth in the payment and guarantee business and the bank guarantee business. Operating expenses increased due to higher financial expenses resulting from rising interest rates, while allowance for doubtful accounts and other credit costs in the overseas business decreased.
Disclosure regarding the going concern assumption
Not applicable.
Change in accounting policy
基準改正に伴う変更 Noそれ以外の変更 No見積りの変更 Yes修正再表示 No
Changes in the scope of consolidationNew 0 / Excluded 0 / Company name None
Breakdown of extraordinary income (loss)Extraordinary income Gain on sale of property, plant and equipment ¥105 million / Extraordinary loss Loss on sale of property, plant and equipment ¥39 million, Loss on disposal of property, plant and equipment ¥37 million, Loss on disposal of software ¥29 million, Impairment loss on investment securities ¥272 million
Depreciation and amortization¥20,022 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person Institutional investors and analysts
Issued Shares at Period-End171,888,020
Treasury Shares at Period-End702,156
| 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 | ¥247,631 million (YoY +1.0%) |
| Operating profit | ¥14,444 million (YoY +17.0%) |
| Ordinary income | ¥14,444 million (YoY +17.0%) |
| Profit attributable to owners of the parent | ¥12,889 million (YoY -7.6%) |
| Net income per share | ¥75.30 |
| Operating Margin | 5.8％ |
| Equity ratio | End of the current fiscal period 8.8％ / End of previous period 8.3％ |
| Total assets | ¥2,844,481 million |
| Net assets | ¥257,188 million |
| Cash flows from operating activities | ¥22,123 million |
| Cash flows from investing activities | ¥-21,164 million |
| Cash flows from financing activities | ¥-68,039 million |
| Cash and cash equivalents at end of period | ¥154,579 million |
| Full-year earnings forecast | Net Sales ¥260,000 million (YoY +5.0%) / Operating profit ¥15,000 million (YoY +3.8%) / Ordinary income ¥15,000 million (YoY +3.8%) / Net income ¥13,000 million (YoY +0.9%) |
| Annual Dividend Forecast | ¥40 → ¥40（0.0%） |
| Payout ratio | Current fiscal year 53.3 ％ / Next-year forecast 52.9 ％ |
| Shareholder Return Policy | Progressive dividends as the basic policy, with a consolidated dividend payout ratio of approximately 30% to 40% |
| Segment revenue | Payment and Guarantee Business ¥26,007 million (YoY +3.9%), Overseas Business ¥12,495 million (YoY -16.3%), Card and Financing Business ¥71,612 million (YoY +2.3%), Individual Installment Credit Business ¥77,002 million (YoY -1.6%), Bank Guarantee Business ¥37,610 million (YoY +7.4%) |
| Segment profit | Payment and Guarantee Business ¥11,669 million, Overseas Business ¥-2,192 million, Card and Financing Business ¥60,014 million, Individual Installment Credit Business ¥38,773 million, Bank Guarantee Business ¥20,888 million |
| Depreciation and amortization | ¥20,022 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on sale of property, plant and equipment ¥105 million / Extraordinary loss Loss on sale of property, plant and equipment ¥39 million, Loss on disposal of property, plant and equipment ¥37 million, Loss on disposal of software ¥29 million, Impairment loss on investment securities ¥272 million |
| Disclosure regarding the going concern assumption | Not applicable. |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate Yes / Restatement No |
| Changes in the scope of consolidation | New 0 / Excluded 0 / Company name None |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Institutional investors and analysts |
| Issued Shares at Period-End | 171,888,020 |
| Treasury Shares at Period-End | 702,156 |
| Factors Behind Changes in Business Performance | Operating revenue increased mainly due to growth in the payment and guarantee business and the bank guarantee business. Operating expenses increased due to higher financial expenses resulting from rising interest rates, while allowance for doubtful accounts and other credit costs in the overseas business decreased. |
Items this document does not state (5)
Revision to Earnings ForecastRegional salesOrders received and order backlogImpairment 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.Operating revenue increased mainly due to growth in the payment and guarantee business and the bank guarantee business. Operating expenses increased as higher interest rates raised financial expenses, while allowance for doubtful accounts and other credit costs in the overseas business decreased. The document does not directly state the reason for the decrease in net income attributable to owners of the parent.
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.
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Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.