Worth reading
53Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Improvement
Direction inferred from the company’s description.Scale
29
% (year-on-year change in ordinary profit)Wording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPNet Sales117,417¥ millionYear on year +26.1%Progress 88.3%
Ordinary income25,233¥ millionYear on year +29.0%Progress 88.5%
Net income attributable to owners of the parent17,336¥ millionYear on year +30.8%Progress 90.8%
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 share62.29
Financial position at period-end
Total assets6,595,981¥ million
of which net assets 253,924 ¥ millionEquity ratio 3.7%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.
Cash inflows and outflows
Operating+27,505
Investment-170,163
Financials-4,787
Net change-147,445
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¥700,300 million
Segment revenueBanking ¥95,857 million, Leasing ¥13,217 million
Segment profitBanking ¥23,475 million, Leasing ¥638 million
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥133,000 million (YoY +13.2%)
Operating profitNot disclosed
Ordinary income¥28,500 million (YoY +12.9%)
Net income¥19,100 million (YoY +10.1%)
Annual Dividend Forecast¥15.5 → ¥27.5（+77.4%）
Payout ratioActual results for the current fiscal year 40.1 % / Full-year forecast 40 %
Shareholder Return PolicyThe Company aims for a dividend payout ratio of 40%, will pay progressive dividends in line with earnings growth, and will flexibly conduct share buybacks.
Factors Behind Changes in Business Performance
Fund-based income increased due mainly to higher interest on loans and interest and dividends on securities. Funding costs increased due mainly to higher interest on deposits, and losses on sales of government bonds and other securities also increased.
Disclosure regarding the going concern assumption
No applicable matters. The notes on going concern state: “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 Number of companies 3 / Company name 池田泉州キャピタル事業承継ファンド絆４号投資事業有限責任組合, 池田泉州Ｍ＆Ａソリューション株式会社, 池田泉州インベストメント株式会社 / Excluded Number of companies 1 / Company name 池田泉州キャピタル事業承継ファンド絆３号投資事業有限責任組合
Material subsequent eventsOn 17 April 2026, the Company entered into a capital and business alliance agreement with THE SHIGA BANK,LTD. The parties plan to acquire each other’s shares, with the acquisition ratio expected to be approximately 0.5% to 1%, although the specific number of shares and acquisition method will be determined in the future. The Company considers the impact of this transaction on consolidated results for the time being to be immaterial.
Impairment loss¥18 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥0 million / Extraordinary loss Losses on disposal of fixed assets ¥21 million, Impairment Losses ¥18 million
Depreciation and amortization¥4,627 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person Institutional investors and analysts
Issued Shares at Period-End281,008,632
Treasury Shares at Period-End2,563,839
| 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 | ¥117,417 million (YoY +26.1%) |
| Ordinary income | ¥25,233 million (YoY +29.0%) |
| Profit attributable to owners of the parent | ¥17,336 million (YoY +30.8%) |
| Net income per share | 62.29 |
| Equity ratio | End of the current fiscal period 3.7 % / End of previous period 3.6 % |
| Total assets | ¥6,595,981 million |
| Net assets | ¥253,924 million |
| Cash flows from operating activities | ¥27,505 million |
| Cash flows from investing activities | ¥-170,163 million |
| Cash flows from financing activities | ¥-4,787 million |
| Cash and cash equivalents at end of period | ¥700,300 million |
| Full-year earnings forecast | Net Sales ¥133,000 million (YoY +13.2%) / Operating profit Not disclosed / Ordinary income ¥28,500 million (YoY +12.9%) / Net income ¥19,100 million (YoY +10.1%) |
| Annual Dividend Forecast | ¥15.5 → ¥27.5（+77.4%） |
| Payout ratio | Actual results for the current fiscal year 40.1 % / Full-year forecast 40 % |
| Shareholder Return Policy | The Company aims for a dividend payout ratio of 40%, will pay progressive dividends in line with earnings growth, and will flexibly conduct share buybacks. |
| Segment revenue | Banking ¥95,857 million, Leasing ¥13,217 million |
| Segment profit | Banking ¥23,475 million, Leasing ¥638 million |
| Depreciation and amortization | ¥4,627 million |
| Impairment loss | ¥18 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥0 million / Extraordinary loss Losses on disposal of fixed assets ¥21 million, Impairment Losses ¥18 million |
| Disclosure regarding the going concern assumption | No applicable matters. The notes on going concern state: “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 Number of companies 3 / Company name 池田泉州キャピタル事業承継ファンド絆４号投資事業有限責任組合, 池田泉州Ｍ＆Ａソリューション株式会社, 池田泉州インベストメント株式会社 / Excluded Number of companies 1 / Company name 池田泉州キャピタル事業承継ファンド絆３号投資事業有限責任組合 |
| Material subsequent events | On 17 April 2026, the Company entered into a capital and business alliance agreement with THE SHIGA BANK,LTD. The parties plan to acquire each other’s shares, with the acquisition ratio expected to be approximately 0.5% to 1%, although the specific number of shares and acquisition method will be determined in the future. The Company considers the impact of this transaction on consolidated results for the time being to be immaterial. |
| 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 | 281,008,632 |
| Treasury Shares at Period-End | 2,563,839 |
| Factors Behind Changes in Business Performance | Fund-based income increased due mainly to higher interest on loans and interest and dividends on securities. Funding costs increased due mainly to higher interest on deposits, and losses on sales of government bonds and other securities also increased. |
Items this document does not state (5)
Operating profitOperating MarginRevision to Earnings ForecastRegional salesOrders received and order backlog
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.Fund-based income increased due mainly to higher interest on loans and interest and dividends on securities, while funding costs also increased due mainly to higher interest on deposits. Losses on sales of government bonds and other securities also increased, but ordinary income rose by ¥24.343 billion, ordinary profit by ¥5.684 billion and net income attributable to owners of the parent by ¥4.090 billion.
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.