Worth reading
40Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Mixed performance
Direction inferred from the company’s description.Scale
10.2
% (year-on-year change in operating revenue)Wording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)2024年4月1日〜2024年9月30日Non-consolidated (standalone)Japanese GAAPNet Sales3,603Millions of yenYear on year +10.2%Progress 49.8%
Operating profit2,503Millions of yenYear on year +10.4%Progress 50.0%
Ordinary income2,031Millions of yenYear on year -19.1%Progress 40.6%
Net income attributable to owners of the parent1,349Millions of yenYear on year -17.5%Progress 41.5%
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¥40.92
Financial position at period-end
Total assets112,382Millions of yen
of which net assets 47,017 Millions of yenEquity ratio 41.8%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-1,102,155
Investment+23,969
Financials+1,431,754
Net change+353,568
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ thousand).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¥5,766,807 thousand
Outlook and shareholder returns
Full-year earnings forecast
Net Sales7,242 Millions of yen (YoY +7.2%)
Operating profit5,004 Millions of yen (YoY +5.4%)
Ordinary income5,004 Millions of yen (YoY -1.1%)
Net income3,254 Millions of yen (YoY -1.1%)
Revision to Earnings ForecastNet Sales 7,242 Millions of yen → 7,242 Millions of yen（0.0%） / Operating profit 5,004 Millions of yen → 5,004 Millions of yen（0.0%） / Ordinary income 5,004 Millions of yen → 5,004 Millions of yen（0.0%） / Net income 3,254 Millions of yen → 3,254 Millions of yen（0.0%）
Annual Dividend Forecast¥20 → ¥20（0.0%）
Factors Behind Changes in Business Performance
営業貸付金利息は期中平均貸付金残高が前年同期比6.3％増加したこと等により250,086千円増加。その他の営業収益は手数料収入及び解約違約金の増加等により82,017千円増加。営業費用は金融費用やその他の営業費用の増加等により96,848千円増加。営業外損益は為替変動等による為替差損益及びデリバティブ評価損益の変動が主因。
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
Breakdown of extraordinary income (loss)Extraordinary income Gain on sale of non-current assets ¥1,018 thousand, Gain on sale of membership rights ¥3,322 thousand / Extraordinary loss Not disclosed
Depreciation and amortization¥43,560 thousand
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable No / Subject person Not disclosed
Issued Shares at Period-End32,980,500
Treasury Shares at Period-End4,500
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Non-consolidated (standalone) |
| Period Covered | 2024年4月1日〜2024年9月30日 |
| Net Sales | 3,603 Millions of yen (YoY +10.2%) |
| Operating profit | 2,503 Millions of yen (YoY +10.4%) |
| Ordinary income | 2,031 Millions of yen (YoY -19.1%) |
| Profit attributable to owners of the parent | 1,349 Millions of yen (YoY -17.5%) |
| Net income per share | ¥40.92 |
| Equity ratio | End of the current fiscal period 41.8 / End of previous period 42.3 |
| Total assets | 112,382 Millions of yen |
| Net assets | 47,017 Millions of yen |
| Cash flows from operating activities | ¥-1,102,155 thousand |
| Cash flows from investing activities | ¥23,969 thousand |
| Cash flows from financing activities | ¥1,431,754 thousand |
| Cash and cash equivalents at end of period | ¥5,766,807 thousand |
| Full-year earnings forecast | Net Sales 7,242 Millions of yen (YoY +7.2%) / Operating profit 5,004 Millions of yen (YoY +5.4%) / Ordinary income 5,004 Millions of yen (YoY -1.1%) / Net income 3,254 Millions of yen (YoY -1.1%) |
| Revision to Earnings Forecast | Net Sales 7,242 Millions of yen → 7,242 Millions of yen（0.0%） / Operating profit 5,004 Millions of yen → 5,004 Millions of yen（0.0%） / Ordinary income 5,004 Millions of yen → 5,004 Millions of yen（0.0%） / Net income 3,254 Millions of yen → 3,254 Millions of yen（0.0%） |
| Annual Dividend Forecast | ¥20 → ¥20（0.0%） |
| Depreciation and amortization | ¥43,560 thousand |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on sale of non-current assets ¥1,018 thousand, Gain on sale of membership rights ¥3,322 thousand / 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 |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable No / Subject person Not disclosed |
| Issued Shares at Period-End | 32,980,500 |
| Treasury Shares at Period-End | 4,500 |
| Factors Behind Changes in Business Performance | 営業貸付金利息は期中平均貸付金残高が前年同期比6.3％増加したこと等により250,086千円増加。その他の営業収益は手数料収入及び解約違約金の増加等により82,017千円増加。営業費用は金融費用やその他の営業費用の増加等により96,848千円増加。営業外損益は為替変動等による為替差損益及びデリバティブ評価損益の変動が主因。 |
Items this document does not state (10)
Operating MarginPayout ratioShareholder Return PolicySegment revenueSegment profitRegional salesOrders received and order backlogImpairment lossChanges in the scope of consolidationMaterial 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.営業貸付金利息は期中平均貸付金残高の増加等により増加し、その他の営業収益は手数料収入及び解約違約金の増加等により増加しました。一方、経常利益と中間純利益の減少は、為替変動等による為替差損益及びデリバティブ評価損益の変動、営業外収益の減少、営業外費用の増加が主因です。
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.