Worth reading
37Immaterial
Scored from 5 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
24.2
Year-on-year change in operating profit (%)Wording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPNet Sales124,961¥ millionYear on year +0.1%Progress 48.1%
Operating profit5,456¥ millionYear on year -24.2%Progress 36.4%
Ordinary income5,456¥ millionYear on year -24.2%Progress 36.4%
Net income attributable to owners of the parent3,508¥ millionYear on year -43.7%Progress 27.0%
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¥20.49
Financial position at period-end
Total assets2,838,297¥ million
of which net assets 254,204 ¥ millionEquity ratio 8.7%vs. prior year-end -0.1pt
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 revenuePayments and guarantees ¥13,182 million (YoY +5.0%), Overseas ¥5,498 million (YoY -16.3%), Card and lending ¥37,386 million (YoY +6.7%), Installment sales of individual goods ¥32,283 million (YoY -14.8%), Bank guarantees ¥19,692 million (YoY +6.2%)
Segment profitPayments and guarantees ¥5,597 million (YoY -0.1%), Overseas ¥1,756 million, Card and lending ¥31,303 million (YoY +8.1%), Installment sales of individual goods ¥14,470 million (YoY -20.9%), Bank guarantees ¥11,164 million (YoY +7.8%)
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
Higher financial expenses resulting from rising market interest rates, a decline in transaction volume in the overseas business due to tighter credit standards, higher revenue from the card and lending businesses and the bank guarantee business, and increased proceeds from real estate sales.
Disclosure regarding the going concern assumption
Not applicable
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 consolidationNone (no additions or exclusions disclosed)
Impairment lossNot applicable (impairment losses on fixed assets by reporting segment)
Breakdown of extraordinary income (loss)Extraordinary income Gain on sale of investment securities ¥110 million / Extraordinary loss Loss on sale of property, plant and equipment ¥27 million, Office relocation expenses ¥58 million, Impairment Losses on Investment Securities ¥49 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingYes (for institutional investors and analysts)
Issued Shares at Period-End171,888,020
Treasury Shares at Period-End497,965
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 September 2026 |
| Net Sales | ¥124,961 million (YoY +0.1%) |
| Operating profit | ¥5,456 million (YoY -24.2%) |
| Ordinary income | ¥5,456 million (YoY -24.2%) |
| Profit attributable to owners of the parent | ¥3,508 million (YoY -43.7%) |
| Net income per share | ¥20.49 |
| Equity ratio | End of the current fiscal period 8.7 / End of previous period 8.8 |
| Total assets | ¥2,838,297 million |
| Net assets | ¥254,204 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 ¥13,182 million (YoY +5.0%), Overseas ¥5,498 million (YoY -16.3%), Card and lending ¥37,386 million (YoY +6.7%), Installment sales of individual goods ¥32,283 million (YoY -14.8%), Bank guarantees ¥19,692 million (YoY +6.2%) |
| Segment profit | Payments and guarantees ¥5,597 million (YoY -0.1%), Overseas ¥1,756 million, Card and lending ¥31,303 million (YoY +8.1%), Installment sales of individual goods ¥14,470 million (YoY -20.9%), Bank guarantees ¥11,164 million (YoY +7.8%) |
| Impairment loss | Not applicable (impairment losses on fixed assets by reporting segment) |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on sale of investment securities ¥110 million / Extraordinary loss Loss on sale of property, plant and equipment ¥27 million, Office relocation expenses ¥58 million, Impairment Losses on Investment Securities ¥49 million |
| Disclosure regarding the going concern assumption | Not applicable |
| 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 | None (no additions or exclusions disclosed) |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (for institutional investors and analysts) |
| Issued Shares at Period-End | 171,888,020 |
| Treasury Shares at Period-End | 497,965 |
| Factors Behind Changes in Business Performance | Higher financial expenses resulting from rising market interest rates, a decline in transaction volume in the overseas business due to tighter credit standards, higher revenue from the card and lending businesses and the bank guarantee business, and increased proceeds from real estate sales. |
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 periodRevision to Earnings ForecastPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogDepreciation and amortizationMaterial 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.Higher financial expenses resulting from rising market interest rates were the primary factor behind the increase in operating expenses. The card and lending businesses and the bank guarantee business, among others, reported higher revenue, while the overseas business saw a decline in transaction volume due to tighter credit standards and other factors.
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.