Worth reading
45Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Deterioration
Direction inferred from the company’s description.Scale
-57.9
Year-on-year change in operating profit (%)Wording
Conditional
How definitive the wording is.Results for this period
First quarter1 April 2026 to 30 June 2026ConsolidatedJapanese GAAPNet Sales58,654¥ millionYear on year -6.7%Progress 22.6%
Operating profit1,332¥ millionYear on year -57.9%Progress 8.9%
Ordinary income1,332¥ millionYear on year -57.9%Progress 8.9%
Net income attributable to owners of the parent563¥ millionYear on year -68.1%Progress 4.3%
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¥3.29
Financial position at period-end
Total assets2,947,549¥ million
of which net assets 251,019 ¥ millionEquity ratio 8.3%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.
Segment revenue
Payments and guarantees6,53012.0%
Overseas expansion2,8325.2%
Card and lending19,23235.3%
Installment sales of individual goods16,18929.7%
Bank guarantees9,72517.8%
Segment profit
Payments and guarantees2,769
Overseas expansion-2
Card and lending15,456
Installment sales of individual goods6,193
Bank guarantees5,648
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%）
Factors Behind Changes in Business Performance
Operating revenue decreased due to the absence of gains on real estate sales, while financial expenses increased due to higher market interest rates. In contrast, operating expenses decreased mainly because of the absence of costs related to real estate sales.
Disclosure regarding the going concern assumption
No applicable matters
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 No修正再表示 No
Changes in the scope of consolidationNew 0 companies / Excluded 0 companies
Impairment lossNo applicable matters
Breakdown of extraordinary income (loss)Extraordinary income Gain on sale of investment securities ¥30 million / Extraordinary loss Not disclosed
Depreciation and amortization¥4,810 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable No / Subject person Not disclosed
Issued Shares at Period-End171,888,020
Treasury Shares at Period-End694,980
| 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 | ¥58,654 million (YoY -6.7%) |
| Operating profit | ¥1,332 million (YoY -57.9%) |
| Ordinary income | ¥1,332 million (YoY -57.9%) |
| Profit attributable to owners of the parent | ¥563 million (YoY -68.1%) |
| Net income per share | ¥3.29 |
| Equity ratio | End of the current fiscal period 8.3 / End of previous period 8.8 |
| Total assets | ¥2,947,549 million |
| Net assets | ¥251,019 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%） |
| Segment revenue | Payments and guarantees ¥6,530 million / Overseas expansion ¥2,832 million / Card and lending ¥19,232 million / Installment sales of individual goods ¥16,189 million / Bank guarantees ¥9,725 million |
| Segment profit | Payments and guarantees ¥2,769 million / Overseas expansion ¥-2 million / Card and lending ¥15,456 million / Installment sales of individual goods ¥6,193 million / Bank guarantees ¥5,648 million |
| Depreciation and amortization | ¥4,810 million |
| Impairment loss | No applicable matters |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on sale of investment securities ¥30 million / Extraordinary loss Not disclosed |
| Disclosure regarding the going concern assumption | 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 / Excluded 0 companies |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable No / Subject person Not disclosed |
| Issued Shares at Period-End | 171,888,020 |
| Treasury Shares at Period-End | 694,980 |
| Factors Behind Changes in Business Performance | Operating revenue decreased due to the absence of gains on real estate sales, while financial expenses increased due to higher market interest rates. In contrast, operating expenses decreased mainly because of the absence of costs related to real estate sales. |
Items this document does not state (11)
Operating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodRevision to Earnings ForecastPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogMaterial 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.Although the card and lending businesses grew, the absence of gains on real estate sales recorded in the previous consolidated fiscal year contributed to the decline in operating revenue. Financial expenses also increased due to higher market interest rates.
How to read this page
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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.