Worth reading
54Recurring
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
3401
Millions of yenWording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPNet Sales67,352Millions of yenYear on year +23.1%Progress 49.2%
Ordinary income15,905Millions of yenYear on year +27.1%Progress 49.4%
Net income attributable to owners of the parent10,343Millions of yenYear on year +19.3%Progress 50.0%
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¥37.13
Financial position at period-end
Total assets6,661,165Millions of yen
of which net assets 255,389 Millions of yenEquity ratio 3.7%vs. prior year-end 0.0pt
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.
Outlook and shareholder returns
Full-year earnings forecast
Net Sales137,000 Millions of yen (YoY +16.6%)
Operating profitNot disclosed
Ordinary income32,200 Millions of yen (YoY +27.6%)
Net income20,700 Millions of yen (YoY +19.4%)
Revision to Earnings ForecastNet Sales Not disclosed → 137,000 Millions of yen / Operating profit Not disclosed / Ordinary income Not disclosed → 32,200 Millions of yen / Net income Not disclosed → 20,700 Millions of yen
Annual Dividend Forecast25 Yen → 30 Yen（+20.0%）
Factors Behind Changes in Business Performance
Increases in funds investment revenue, mainly due to higher interest on loans, interest and dividends on securities, and interest on deposits. Ordinary expenses increased due to higher funding costs associated with higher deposit interest rates and higher other operating expenses, including losses on sales of government bonds and other securities.
Disclosure regarding the going concern assumption
No applicable matters (the note on the going concern assumption states: “No applicable matters.”)
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 consolidationAdded: 0 companies; excluded: 0 companies
Material subsequent eventsThe company entered into a basic agreement with THE SHIGA BANK,LTD. toward a business integration. Subject to approval by the shareholders' meeting and authorisation from the relevant authorities, the parties will discuss and consider a business integration through a share exchange, targeted for 1 April 2028.
Impairment loss¥1,509 million (assets subject to impairment: Not disclosed)
Breakdown of extraordinary income (loss)Extraordinary income Item Reversal of financial instruments transaction liability reserve / Amount 3 Millions of yen / Extraordinary loss Item Loss on disposal of fixed assets / Amount 12 Millions of yen, Item Impairment loss / Amount 1,509 Millions of yen
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingYes (for institutional investors and analysts)
Issued Shares at Period-End281,008,632
Treasury Shares at Period-End2,405,448
| 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 | 67,352 Millions of yen (YoY +23.1%) |
| Ordinary income | 15,905 Millions of yen (YoY +27.1%) |
| Profit attributable to owners of the parent | 10,343 Millions of yen (YoY +19.3%) |
| Net income per share | ¥37.13 |
| Equity ratio | End of the current fiscal period 3.7 / End of previous period 3.7 |
| Total assets | 6,661,165 Millions of yen |
| Net assets | 255,389 Millions of yen |
| Full-year earnings forecast | Net Sales 137,000 Millions of yen (YoY +16.6%) / Operating profit Not disclosed / Ordinary income 32,200 Millions of yen (YoY +27.6%) / Net income 20,700 Millions of yen (YoY +19.4%) |
| Revision to Earnings Forecast | Net Sales Not disclosed → 137,000 Millions of yen / Operating profit Not disclosed / Ordinary income Not disclosed → 32,200 Millions of yen / Net income Not disclosed → 20,700 Millions of yen |
| Annual Dividend Forecast | 25 Yen → 30 Yen（+20.0%） |
| Impairment loss | ¥1,509 million (assets subject to impairment: Not disclosed) |
| Breakdown of extraordinary income (loss) | Extraordinary income Item Reversal of financial instruments transaction liability reserve / Amount 3 Millions of yen / Extraordinary loss Item Loss on disposal of fixed assets / Amount 12 Millions of yen, Item Impairment loss / Amount 1,509 Millions of yen |
| Disclosure regarding the going concern assumption | No applicable matters (the note on the going concern assumption states: “No applicable matters.”) |
| 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 | Added: 0 companies; excluded: 0 companies |
| Material subsequent events | The company entered into a basic agreement with THE SHIGA BANK,LTD. toward a business integration. Subject to approval by the shareholders' meeting and authorisation from the relevant authorities, the parties will discuss and consider a business integration through a share exchange, targeted for 1 April 2028. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (for institutional investors and analysts) |
| Issued Shares at Period-End | 281,008,632 |
| Treasury Shares at Period-End | 2,405,448 |
| Factors Behind Changes in Business Performance | Increases in funds investment revenue, mainly due to higher interest on loans, interest and dividends on securities, and interest on deposits. Ordinary expenses increased due to higher funding costs associated with higher deposit interest rates and higher other operating expenses, including losses on sales of government bonds and other securities. |
Items this document does not state (13)
Operating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodPayout ratioShareholder Return PolicySegment revenueSegment profitRegional salesOrders received and order backlogDepreciation and amortization
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.Funds investment revenue increased due to higher interest on loans, interest and dividends on securities, and interest on deposits. Although funding costs associated with higher deposit interest rates and losses on sales of government bonds and other securities also increased, ordinary profit rose by ¥3,401 million year on year.
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.