Results for this period
First quarter1 April 2026–30 June 2026ConsolidatedJapanese GAAPThe 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.
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.
Interest income on loans increased due mainly to a 9.1% increase in the average loan balance during the period and a rise in the average lending rate. Other operating revenue increased because of higher fee income and real estate rental income. The main factor affecting non-operating income and expenses was the change in foreign exchange gains and losses and derivative valuation gains and losses resulting from currency movements and other factors.
No applicable matters (There are no applicable matters.)
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026–30 June 2026 |
| Net Sales | ¥2,514 million (YoY +23.9%) |
| Operating profit | ¥1,659 million (YoY +28.4%) |
| Ordinary income | ¥1,722 million (YoY +50.6%) |
| Profit attributable to owners of the parent | ¥1,092 million (YoY +46.4%) |
| Net income per share | ¥33.12 |
| Equity ratio | End of the current fiscal period 40.3 / End of previous period 40.6 |
| Total assets | ¥132,246 million |
| Net assets | ¥53,257 million |
| Full-year earnings forecast | Net Sales ¥9,804 million (YoY +11.7%) / Operating profit ¥6,328 million (YoY +8.7%) / Ordinary income ¥6,347 million (YoY +4.3%) / Net income ¥4,120 million (YoY +4.3%) |
| Annual Dividend Forecast | ¥22 → ¥22（0.0%） |
| Depreciation and amortization | ¥36,683 thousand |
| Breakdown of extraordinary income (loss) | Extraordinary income Not disclosed / Extraordinary loss Loss on Disposal of Fixed Assets ¥0 thousand |
| Disclosure regarding the going concern assumption | No applicable matters (There are 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 / Excluded 0 / Company name None |
| 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 Shares |
| Treasury Shares at Period-End | 4,500 Shares |
| Factors Behind Changes in Business Performance | Interest income on loans increased due mainly to a 9.1% increase in the average loan balance during the period and a rise in the average lending rate. Other operating revenue increased because of higher fee income and real estate rental income. The main factor affecting non-operating income and expenses was the change in foreign exchange gains and losses and derivative valuation gains and losses resulting from currency movements and other factors. |
Items this document does not state (14)
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.Interest income on loans increased due to a 9.1% year-on-year increase in the average loan balance during the period and a rise in the average lending rate. Fee income and real estate rental income also increased, while improvements in foreign exchange gains and losses and derivative valuation gains and losses also contributed to the increase in ordinary profit.