Annual report

Period2021-04-01 → 2022-03-31
Filed2022-06-23
StandardIFRS
ConsolidatedYes
Data checks19 of 19 passed
Key figures · 155
MetricValuePeriodScopeSource row
Revenue¥25.2bn2021-04-01 → 2022-03-31Cons.Revenue IFRS (5-year summary)
Revenue¥26.8bn2020-04-01 → 2021-03-31Cons.Revenue IFRS (5-year summary)
Revenue¥26.2bn2019-04-01 → 2020-03-31dCons.Revenue IFRS (5-year summary)
Revenue¥23.8bn2018-04-01 → 2019-03-31dCons.Revenue IFRS (5-year summary)
Revenue¥20.4bn2017-04-01 → 2018-03-31dCons.Revenue IFRS (5-year summary)
Profit before tax¥6.2bn2021-04-01 → 2022-03-31Cons.Profit loss before tax IFRS
Profit before tax¥7.7bn2020-04-01 → 2021-03-31Cons.Profit loss before tax IFRS
Profit before tax¥7.3bn2019-04-01 → 2020-03-31dCons.Profit loss before tax IFRS (5-year summary)
Profit before tax¥6.3bn2018-04-01 → 2019-03-31dCons.Profit loss before tax IFRS (5-year summary)
Profit before tax¥5.2bn2017-04-01 → 2018-03-31dCons.Profit loss before tax IFRS (5-year summary)
Net income (owners)¥4.2bn2021-04-01 → 2022-03-31Cons.Profit loss attributable to owners of parent IFRS
Net income (owners)¥5.2bn2020-04-01 → 2021-03-31Cons.Profit loss attributable to owners of parent IFRS
Net income (owners)¥5.0bn2019-04-01 → 2020-03-31dCons.Profit loss attributable to owners of parent IFRS (5-year summary)
Net income (owners)¥4.3bn2018-04-01 → 2019-03-31dCons.Profit loss attributable to owners of parent IFRS (5-year summary)
Net income (owners)¥4.8bn2017-04-01 → 2018-03-31dCons.Profit loss attributable to owners of parent IFRS (5-year summary)
Net income¥4.2bn2021-04-01 → 2022-03-31Cons.Profit loss IFRS
Net income¥5.2bn2020-04-01 → 2021-03-31Cons.Profit loss IFRS
Total assets¥150.7bnat 2022-03-31Cons.Assets IFRS
Total assets¥164.8bnat 2021-03-31Cons.Assets IFRS
Total assets¥132.6bnat 2020-03-31dCons.Total assets IFRS (5-year summary)
Total assets¥99.4bnat 2019-03-31dCons.Total assets IFRS (5-year summary)
Total assets¥84.3bnat 2018-03-31dCons.Total assets IFRS (5-year summary)
Total liabilities¥118.8bnat 2022-03-31Cons.Liabilities IFRS
Total liabilities¥134.7bnat 2021-03-31Cons.Liabilities IFRS
Net assets / equity¥31.9bnat 2022-03-31Cons.Equity IFRS
Net assets / equity¥30.1bnat 2021-03-31Cons.Equity IFRS
Net assets / equity¥26.6bnat 2020-03-31dCons.Equity IFRS
Equity (owners)¥31.9bnat 2022-03-31Cons.Equity attributable to owners of parent IFRS
Equity (owners)¥30.1bnat 2021-03-31Cons.Equity attributable to owners of parent IFRS
Equity (owners)¥26.6bnat 2020-03-31dCons.Equity attributable to owners of parent IFRS (5-year summary)
Equity (owners)¥23.9bnat 2019-03-31dCons.Equity attributable to owners of parent IFRS (5-year summary)
Equity (owners)¥21.3bnat 2018-03-31dCons.Equity attributable to owners of parent IFRS (5-year summary)
Cash & equivalents¥22.2bnat 2022-03-31Cons.Cash and cash equivalents IFRS
Cash & equivalents¥37.4bnat 2021-03-31Cons.Cash and cash equivalents IFRS
Cash & equivalents¥14.8bnat 2020-03-31dCons.Cash and cash equivalents IFRS
Cash & equivalents¥13.5bnat 2019-03-31dCons.Cash and cash equivalents IFRS (5-year summary)
Cash & equivalents¥10.7bnat 2018-03-31dCons.Cash and cash equivalents IFRS (5-year summary)
Operating cash flow¥3.7bn2021-04-01 → 2022-03-31Cons.Net cash provided by used in operating activities IFRS
Operating cash flow¥4.8bn2020-04-01 → 2021-03-31Cons.Net cash provided by used in operating activities IFRS
Operating cash flow¥7.4bn2019-04-01 → 2020-03-31dCons.Cash flows from used in operating activities IFRS (5-year summary)
Operating cash flow−¥3.5bn2018-04-01 → 2019-03-31dCons.Cash flows from used in operating activities IFRS (5-year summary)
Operating cash flow¥2.4bn2017-04-01 → 2018-03-31dCons.Cash flows from used in operating activities IFRS (5-year summary)
Investing cash flow−¥698m2021-04-01 → 2022-03-31Cons.Net cash provided by used in investing activities IFRS
Investing cash flow−¥777m2020-04-01 → 2021-03-31Cons.Net cash provided by used in investing activities IFRS
Investing cash flow−¥2.0bn2019-04-01 → 2020-03-31dCons.Cash flows from used in investing activities IFRS (5-year summary)
Investing cash flow−¥957m2018-04-01 → 2019-03-31dCons.Cash flows from used in investing activities IFRS (5-year summary)
Investing cash flow−¥387m2017-04-01 → 2018-03-31dCons.Cash flows from used in investing activities IFRS (5-year summary)
Financing cash flow−¥18.2bn2021-04-01 → 2022-03-31Cons.Net cash provided by used in financing activities IFRS
Financing cash flow¥18.6bn2020-04-01 → 2021-03-31Cons.Net cash provided by used in financing activities IFRS
Financing cash flow−¥4.1bn2019-04-01 → 2020-03-31dCons.Cash flows from used in financing activities IFRS (5-year summary)
Financing cash flow¥7.2bn2018-04-01 → 2019-03-31dCons.Cash flows from used in financing activities IFRS (5-year summary)
Financing cash flow−¥4.6bn2017-04-01 → 2018-03-31dCons.Cash flows from used in financing activities IFRS (5-year summary)
EPS (basic)¥119.782021-04-01 → 2022-03-31Cons.Basic earnings loss per share IFRS
EPS (basic)¥146.582020-04-01 → 2021-03-31Cons.Basic earnings loss per share IFRS
EPS (basic)¥141.452019-04-01 → 2020-03-31dCons.Basic earnings loss per share IFRS (5-year summary)
EPS (basic)¥120.62018-04-01 → 2019-03-31dCons.Basic earnings loss per share IFRS (5-year summary)
EPS (basic)¥134.182017-04-01 → 2018-03-31dCons.Basic earnings loss per share IFRS (5-year summary)
EPS (diluted)¥119.022021-04-01 → 2022-03-31Cons.Diluted earnings loss per share IFRS
EPS (diluted)¥145.112020-04-01 → 2021-03-31Cons.Diluted earnings loss per share IFRS
EPS (diluted)¥138.652019-04-01 → 2020-03-31dCons.Diluted earnings loss per share IFRS (5-year summary)
EPS (diluted)¥117.212018-04-01 → 2019-03-31dCons.Diluted earnings loss per share IFRS (5-year summary)
EPS (diluted)¥131.82017-04-01 → 2018-03-31dCons.Diluted earnings loss per share IFRS (5-year summary)
Net assets per share¥903.09at 2022-03-31Cons.Equity to asset ratio IFRS (5-year summary)
Net assets per share¥847.67at 2021-03-31Cons.Equity to asset ratio IFRS (5-year summary)
Net assets per share¥756.79at 2020-03-31dCons.Equity to asset ratio IFRS (5-year summary)
Net assets per share¥675.23at 2019-03-31dCons.Equity to asset ratio IFRS (5-year summary)
Net assets per share¥598.52at 2018-03-31dCons.Equity to asset ratio IFRS (5-year summary)
Equity ratio21.2%at 2022-03-31Cons.Ratio of owners equity to gross assets IFRS (5-year summary)
Equity ratio18.3%at 2021-03-31Cons.Ratio of owners equity to gross assets IFRS (5-year summary)
Equity ratio20.1%at 2020-03-31dCons.Ratio of owners equity to gross assets IFRS (5-year summary)
Equity ratio24.0%at 2019-03-31dCons.Ratio of owners equity to gross assets IFRS (5-year summary)
Equity ratio25.3%at 2018-03-31dCons.Ratio of owners equity to gross assets IFRS (5-year summary)
ROE13.7%2021-04-01 → 2022-03-31Cons.Rate of return on equity IFRS (5-year summary)
ROE18.3%2020-04-01 → 2021-03-31Cons.Rate of return on equity IFRS (5-year summary)
ROE19.7%2019-04-01 → 2020-03-31dCons.Rate of return on equity IFRS (5-year summary)
ROE19.1%2018-04-01 → 2019-03-31dCons.Rate of return on equity IFRS (5-year summary)
ROE22.7%2017-04-01 → 2018-03-31dCons.Rate of return on equity IFRS (5-year summary)
Employees472at 2022-03-31Cons.Number of employees
Employees425at 2021-03-31Cons.Number of employees
Employees395at 2020-03-31dCons.Number of employees
Employees327at 2019-03-31dCons.Number of employees
Employees298at 2018-03-31dCons.Number of employees
Revenue¥24.1bn2021-04-01 → 2022-03-31StandaloneOperating revenue1
Revenue¥26.5bn2020-04-01 → 2021-03-31StandaloneOperating revenue1
Revenue¥25.8bn2019-04-01 → 2020-03-31dStandaloneOperating revenue1 (5-year summary)
Revenue¥22.6bn2018-04-01 → 2019-03-31dStandaloneOperating revenue1 (5-year summary)
Revenue¥14.8bn2017-04-01 → 2018-03-31dStandaloneOperating revenue1 (5-year summary)
Operating income¥4.8bn2021-04-01 → 2022-03-31StandaloneOperating income
Operating income¥6.9bn2020-04-01 → 2021-03-31StandaloneOperating income
Ordinary income¥4.9bn2021-04-01 → 2022-03-31StandaloneOrdinary income
Ordinary income¥6.8bn2020-04-01 → 2021-03-31StandaloneOrdinary income
Ordinary income¥6.4bn2019-04-01 → 2020-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥5.3bn2018-04-01 → 2019-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.8bn2017-04-01 → 2018-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥4.9bn2021-04-01 → 2022-03-31StandaloneIncome before income taxes
Profit before tax¥6.8bn2020-04-01 → 2021-03-31StandaloneIncome before income taxes
Net income¥3.1bn2021-04-01 → 2022-03-31StandaloneProfit loss
Net income¥4.3bn2020-04-01 → 2021-03-31StandaloneProfit loss
Net income¥3.9bn2019-04-01 → 2020-03-31dStandaloneNet income loss (5-year summary)
Net income¥3.3bn2018-04-01 → 2019-03-31dStandaloneNet income loss (5-year summary)
Net income¥7.4bn2017-04-01 → 2018-03-31dStandaloneNet income loss (5-year summary)
Total assets¥102.5bnat 2022-03-31StandaloneAssets
Total assets¥121.6bnat 2021-03-31StandaloneAssets
Total assets¥92.5bnat 2020-03-31dStandaloneTotal assets (5-year summary)
Total assets¥90.5bnat 2019-03-31dStandaloneTotal assets (5-year summary)
Total assets¥75.0bnat 2018-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥80.3bnat 2022-03-31StandaloneLiabilities
Total liabilities¥100.1bnat 2021-03-31StandaloneLiabilities
Net assets / equity¥22.1bnat 2022-03-31StandaloneNet assets
Net assets / equity¥21.5bnat 2021-03-31StandaloneNet assets
Net assets / equity¥18.8bnat 2020-03-31dStandaloneNet assets
Net assets / equity¥17.1bnat 2019-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥16.4bnat 2018-03-31dStandaloneNet assets (5-year summary)
Cash and deposits¥22.1bnat 2022-03-31StandaloneCash and deposits
Cash and deposits¥37.0bnat 2021-03-31StandaloneCash and deposits
EPS (basic)¥87.052021-04-01 → 2022-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥122.022020-04-01 → 2021-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥112.22019-04-01 → 2020-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥912018-04-01 → 2019-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥207.472017-04-01 → 2018-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥86.492021-04-01 → 2022-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥120.82020-04-01 → 2021-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥109.982019-04-01 → 2020-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥88.442018-04-01 → 2019-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥203.792017-04-01 → 2018-03-31dStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥602021-04-01 → 2022-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥552020-04-01 → 2021-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥512019-04-01 → 2020-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥442018-04-01 → 2019-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥135.42017-04-01 → 2018-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥616.65at 2022-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥594.72at 2021-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥525.62at 2020-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥476.65at 2019-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥454.8at 2018-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio21.3%at 2022-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio17.4%at 2021-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio20.0%at 2020-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio18.6%at 2019-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio21.7%at 2018-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE14.4%2021-04-01 → 2022-03-31StandaloneRate of return on equity (5-year summary)
ROE21.8%2020-04-01 → 2021-03-31StandaloneRate of return on equity (5-year summary)
ROE22.3%2019-04-01 → 2020-03-31dStandaloneRate of return on equity (5-year summary)
ROE19.6%2018-04-01 → 2019-03-31dStandaloneRate of return on equity (5-year summary)
ROE50.5%2017-04-01 → 2018-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued36,080,600at 2022-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued36,080,600at 2021-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued36,080,600at 2020-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued36,080,600at 2019-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued36,080,600at 2018-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees458at 2022-03-31StandaloneNumber of employees
Employees411at 2021-03-31StandaloneNumber of employees
Employees381at 2020-03-31dStandaloneNumber of employees
Employees321at 2019-03-31dStandaloneNumber of employees
Employees298at 2018-03-31dStandaloneNumber of employees

Periods use the dates stated in the filing. d = earlier-year period dated by calendar; v = that date confirmed by the company's own earlier filing.

Segments · 1
SegmentItemPeriodValue
Housing Loan Originationsreportable segmentemployeesat 2022-03-31472 pure

Segment names come from EDINET member IDs; not yet mapped to a common taxonomy.

All source rows · 1,374
ItemContextValueUnit
Number of shares held shares less than one unitCurrentYearInstant_OrdinaryShareMember31400
Percentage of shareholdings national and local governmentsCurrentYearInstant_OrdinaryShareMember-
Percentage of shareholdings financial institutionsCurrentYearInstant_OrdinaryShareMember0.1681
Percentage of shareholdings financial service providersCurrentYearInstant_OrdinaryShareMember0.0518
Percentage of shareholdings other corporationsCurrentYearInstant_OrdinaryShareMember0.0315
Percentage of shareholdings foreigners other than individualsCurrentYearInstant_OrdinaryShareMember0.3632
Percentage of shareholdings foreign individualsCurrentYearInstant_OrdinaryShareMember0.0014
Percentage of shareholdings individuals and othersCurrentYearInstant_OrdinaryShareMember0.3838
Number of shares heldCurrentYearInstant_No1MajorShareholdersMember3679000
Shareholding ratioCurrentYearInstant_No1MajorShareholdersMember0.1041
Number of shares heldCurrentYearInstant_No2MajorShareholdersMember2134000
Shareholding ratioCurrentYearInstant_No2MajorShareholdersMember0.0604
Number of shares heldCurrentYearInstant_No3MajorShareholdersMember2104000
Shareholding ratioCurrentYearInstant_No3MajorShareholdersMember0.0596
Number of shares heldCurrentYearInstant_No4MajorShareholdersMember1672000
Shareholding ratioCurrentYearInstant_No4MajorShareholdersMember0.0473
Number of shares heldCurrentYearInstant_No5MajorShareholdersMember1372000
Shareholding ratioCurrentYearInstant_No5MajorShareholdersMember0.0388
Number of shares heldCurrentYearInstant_No6MajorShareholdersMember953000
Shareholding ratioCurrentYearInstant_No6MajorShareholdersMember0.0269
Number of shares heldCurrentYearInstant_No7MajorShareholdersMember841000
Shareholding ratioCurrentYearInstant_No7MajorShareholdersMember0.0238
Number of shares heldCurrentYearInstant_No8MajorShareholdersMember739000
Shareholding ratioCurrentYearInstant_No8MajorShareholdersMember0.0209
Number of shares heldCurrentYearInstant_No9MajorShareholdersMember733000
Shareholding ratioCurrentYearInstant_No9MajorShareholdersMember0.0207
Number of shares heldCurrentYearInstant_No10MajorShareholdersMember624000
Shareholding ratioCurrentYearInstant_No10MajorShareholdersMember0.0176
Number of shares heldCurrentYearInstant14854000
Shareholding ratioCurrentYearInstant0.4206
Number of shares issued shares voting rightsCurrentYearInstant_SharesWithNoVotingRightsMember-
Number of shares issued shares voting rightsCurrentYearInstant_SharesWithRestrictedVotingRightsTreasurySharesEtcMember-
Number of shares issued shares voting rightsCurrentYearInstant_SharesWithRestrictedVotingRightsOtherMember-
Number of voting rights issued shares voting rightsCurrentYearInstant_SharesWithRestrictedVotingRightsOtherMember-
Number of shares issued shares voting rightsCurrentYearInstant_OrdinarySharesSharesWithFullVotingRightsTreasurySharesEtcMember769400
Number of shares issued shares voting rightsCurrentYearInstant_OrdinarySharesSharesWithFullVotingRightsOtherMember35279800
Number of voting rights issued shares voting rightsCurrentYearInstant_OrdinarySharesSharesWithFullVotingRightsOtherMember352798
Number of shares issued shares voting rightsCurrentYearInstant_OrdinarySharesSharesLessThanOneUnitMember31400
Number of shares issued shares voting rightsCurrentYearInstant36080600
Number of voting rights issued shares voting rightsCurrentYearInstant352798
Number of shares held in own name treasury shares etcCurrentYearInstant_Row1Member769400
Number of shares held in others names treasury shares etcCurrentYearInstant_Row1Member-
Total number of shares held treasury shares etcCurrentYearInstant_Row1Member769400
Shareholding ratio treasury shares etcCurrentYearInstant_Row1Member0.0213
Number of shares held in own name treasury shares etcCurrentYearInstant769400
Number of shares held in others names treasury shares etcCurrentYearInstant-
Total number of shares held treasury shares etcCurrentYearInstant769400
Shareholding ratio treasury shares etcCurrentYearInstant0.0213
Total amount of dividends dividends of surplusFilingDateInstant_Row1Member1059000000JPY
Dividend per share dividends of surplusFilingDateInstant_Row1Member30

Every row of the EDINET CSV. Item names are the XBRL element names; filed text is kept in its original Japanese. Filed text is available on Plus and Pro.

Data checks · 19 of 19 passed
balance sheet identityconsolidated 2021-03-31pass rounding
balance sheet identityconsolidated 2022-03-31pass rounding
balance sheet identitynon_consolidated 2021-03-31pass rounding
balance sheet identitynon_consolidated 2022-03-31pass rounding
dei present pass
period resolution pass
statement vs summary · net assetsnon_consolidated 2020-03-31pass
statement vs summary · net assetsnon_consolidated 2021-03-31pass
statement vs summary · net assetsnon_consolidated 2022-03-31pass
statement vs summary · net income attributable to parentconsolidated 2020-04-01/2021-03-31pass
statement vs summary · net income attributable to parentconsolidated 2021-04-01/2022-03-31pass
statement vs summary · operating cash flowconsolidated 2020-04-01/2021-03-31pass
statement vs summary · operating cash flowconsolidated 2021-04-01/2022-03-31pass
statement vs summary · revenuenon_consolidated 2020-04-01/2021-03-31pass
statement vs summary · revenuenon_consolidated 2021-04-01/2022-03-31pass
statement vs summary · total assetsconsolidated 2021-03-31pass
statement vs summary · total assetsconsolidated 2022-03-31pass
statement vs summary · total assetsnon_consolidated 2021-03-31pass
statement vs summary · total assetsnon_consolidated 2022-03-31pass