Annual report

Period2022-04-01 → 2023-03-31
Filed2023-06-21
StandardIFRS
ConsolidatedYes
Data checks19 of 19 passed
Key figures · 155
MetricValuePeriodScopeSource row
Revenue¥22.6bn2022-04-01 → 2023-03-31Cons.Revenue IFRS (5-year summary)
Revenue¥25.2bn2021-04-01 → 2022-03-31Cons.Revenue IFRS (5-year summary)
Revenue¥26.8bn2020-04-01 → 2021-03-31dCons.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)
Profit before tax¥4.1bn2022-04-01 → 2023-03-31Cons.Profit loss before tax IFRS
Profit before tax¥6.2bn2021-04-01 → 2022-03-31Cons.Profit loss before tax IFRS
Profit before tax¥7.7bn2020-04-01 → 2021-03-31dCons.Profit loss before tax IFRS (5-year summary)
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)
Net income (owners)¥2.8bn2022-04-01 → 2023-03-31Cons.Profit loss attributable to owners of parent IFRS
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 → 2021-03-31dCons.Profit loss attributable to owners of parent IFRS (5-year summary)
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¥2.8bn2022-04-01 → 2023-03-31Cons.Profit loss IFRS
Net income¥4.2bn2021-04-01 → 2022-03-31Cons.Profit loss IFRS
Total assets¥148.6bnat 2023-03-31Cons.Assets IFRS
Total assets¥150.7bnat 2022-03-31Cons.Assets IFRS
Total assets¥164.8bnat 2021-03-31dCons.Total assets IFRS (5-year summary)
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 liabilities¥115.9bnat 2023-03-31Cons.Liabilities IFRS
Total liabilities¥118.8bnat 2022-03-31Cons.Liabilities IFRS
Net assets / equity¥32.7bnat 2023-03-31Cons.Equity IFRS
Net assets / equity¥31.9bnat 2022-03-31Cons.Equity IFRS
Net assets / equity¥30.1bnat 2021-03-31dCons.Equity IFRS
Equity (owners)¥32.8bnat 2023-03-31Cons.Equity attributable to owners of parent IFRS
Equity (owners)¥31.9bnat 2022-03-31Cons.Equity attributable to owners of parent IFRS
Equity (owners)¥30.1bnat 2021-03-31dCons.Equity attributable to owners of parent IFRS (5-year summary)
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)
Cash & equivalents¥17.2bnat 2023-03-31Cons.Cash and cash equivalents IFRS
Cash & equivalents¥22.2bnat 2022-03-31Cons.Cash and cash equivalents IFRS
Cash & equivalents¥37.4bnat 2021-03-31dCons.Cash and cash equivalents IFRS
Cash & equivalents¥14.8bnat 2020-03-31dCons.Cash and cash equivalents IFRS (5-year summary)
Cash & equivalents¥13.5bnat 2019-03-31dCons.Cash and cash equivalents IFRS (5-year summary)
Operating cash flow¥1.5bn2022-04-01 → 2023-03-31Cons.Net cash provided by used in operating activities IFRS
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 → 2021-03-31dCons.Cash flows from used in operating activities IFRS (5-year summary)
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)
Investing cash flow−¥712m2022-04-01 → 2023-03-31Cons.Net cash provided by used in investing activities IFRS
Investing cash flow−¥698m2021-04-01 → 2022-03-31Cons.Net cash provided by used in investing activities IFRS
Investing cash flow−¥777m2020-04-01 → 2021-03-31dCons.Cash flows from used in investing activities IFRS (5-year summary)
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)
Financing cash flow−¥5.8bn2022-04-01 → 2023-03-31Cons.Net cash provided by used in financing activities IFRS
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 → 2021-03-31dCons.Cash flows from used in financing activities IFRS (5-year summary)
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)
EPS (basic)¥79.642022-04-01 → 2023-03-31Cons.Basic earnings loss per share IFRS
EPS (basic)¥119.782021-04-01 → 2022-03-31Cons.Basic earnings loss per share IFRS
EPS (basic)¥146.582020-04-01 → 2021-03-31dCons.Basic earnings loss per share IFRS (5-year summary)
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 (diluted)¥79.42022-04-01 → 2023-03-31Cons.Diluted earnings loss per share IFRS
EPS (diluted)¥119.022021-04-01 → 2022-03-31Cons.Diluted earnings loss per share IFRS
EPS (diluted)¥145.112020-04-01 → 2021-03-31dCons.Diluted earnings loss per share IFRS (5-year summary)
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)
Net assets per share¥921.43at 2023-03-31Cons.Equity to asset ratio 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 2021-03-31dCons.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)
Equity ratio22.0%at 2023-03-31Cons.Ratio of owners equity to gross assets 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 2021-03-31dCons.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)
ROE8.7%2022-04-01 → 2023-03-31Cons.Rate of return on equity 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 → 2021-03-31dCons.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)
Employees485at 2023-03-31Cons.Number of employees
Employees472at 2022-03-31Cons.Number of employees
Employees425at 2021-03-31dCons.Number of employees
Employees395at 2020-03-31dCons.Number of employees
Employees327at 2019-03-31dCons.Number of employees
Revenue¥19.5bn2022-04-01 → 2023-03-31StandaloneOperating revenue1
Revenue¥24.1bn2021-04-01 → 2022-03-31StandaloneOperating revenue1
Revenue¥26.5bn2020-04-01 → 2021-03-31dStandaloneOperating revenue1 (5-year summary)
Revenue¥25.8bn2019-04-01 → 2020-03-31dStandaloneOperating revenue1 (5-year summary)
Revenue¥22.6bn2018-04-01 → 2019-03-31dStandaloneOperating revenue1 (5-year summary)
Operating income¥1.2bn2022-04-01 → 2023-03-31StandaloneOperating income
Operating income¥4.8bn2021-04-01 → 2022-03-31StandaloneOperating income
Ordinary income¥1.2bn2022-04-01 → 2023-03-31StandaloneOrdinary income
Ordinary income¥4.9bn2021-04-01 → 2022-03-31StandaloneOrdinary income
Ordinary income¥6.8bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
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)
Profit before tax¥1.2bn2022-04-01 → 2023-03-31StandaloneIncome before income taxes
Profit before tax¥4.9bn2021-04-01 → 2022-03-31StandaloneIncome before income taxes
Net income¥455m2022-04-01 → 2023-03-31StandaloneProfit loss
Net income¥3.1bn2021-04-01 → 2022-03-31StandaloneProfit loss
Net income¥4.3bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
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)
Total assets¥93.1bnat 2023-03-31StandaloneAssets
Total assets¥102.5bnat 2022-03-31StandaloneAssets
Total assets¥121.6bnat 2021-03-31dStandaloneTotal assets (5-year summary)
Total assets¥92.5bnat 2020-03-31dStandaloneTotal assets (5-year summary)
Total assets¥90.5bnat 2019-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥72.4bnat 2023-03-31StandaloneLiabilities
Total liabilities¥80.3bnat 2022-03-31StandaloneLiabilities
Net assets / equity¥20.7bnat 2023-03-31StandaloneNet assets
Net assets / equity¥22.1bnat 2022-03-31StandaloneNet assets
Net assets / equity¥21.5bnat 2021-03-31dStandaloneNet assets
Net assets / equity¥18.8bnat 2020-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥17.1bnat 2019-03-31dStandaloneNet assets (5-year summary)
Cash and deposits¥17.1bnat 2023-03-31StandaloneCash and deposits
Cash and deposits¥22.1bnat 2022-03-31StandaloneCash and deposits
EPS (basic)¥12.872022-04-01 → 2023-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥87.052021-04-01 → 2022-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥122.022020-04-01 → 2021-03-31dStandaloneBasic 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 (diluted)¥12.832022-04-01 → 2023-03-31StandaloneDiluted earnings 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 → 2021-03-31dStandaloneDiluted 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)
Dividend per share¥552022-04-01 → 2023-03-31StandaloneDividend paid 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 → 2021-03-31dStandaloneDividend 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)
Net assets per share¥571.34at 2023-03-31StandaloneNet assets 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 2021-03-31dStandaloneNet 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)
Equity ratio21.8%at 2023-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio21.3%at 2022-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio17.4%at 2021-03-31dStandaloneEquity 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)
ROE2.2%2022-04-01 → 2023-03-31StandaloneRate of return on equity (5-year summary)
ROE14.4%2021-04-01 → 2022-03-31StandaloneRate of return on equity (5-year summary)
ROE21.8%2020-04-01 → 2021-03-31dStandaloneRate 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)
Shares issued36,080,600at 2023-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued36,080,600at 2022-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued36,080,600at 2021-03-31dStandaloneTotal 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)
Employees474at 2023-03-31StandaloneNumber of employees
Employees458at 2022-03-31StandaloneNumber of employees
Employees411at 2021-03-31dStandaloneNumber of employees
Employees381at 2020-03-31dStandaloneNumber of employees
Employees321at 2019-03-31dStandaloneNumber 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 2023-03-31485 pure

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

All source rows · 1,386
ItemContextValueUnit
Total amount of dividends dividends of surplusFilingDateInstant_Row1Member1064000000JPY
Dividend per share dividends of surplusFilingDateInstant_Row1Member30
Total amount of dividends dividends of surplusFilingDateInstant_Row2Member888000000JPY
Dividend per share dividends of surplusFilingDateInstant_Row2Member25
Number of male directors and other officersFilingDateInstant10
Number of female directors and other officersFilingDateInstant1
Ratio of female directors and other officersFilingDateInstant0.091
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E33625-000YoshimuraTakeshiMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E33625-000KatsuyaToshihikoMember29200
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E33625-000MatsumotoYasukoMember17800
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E33625-000OtaTomohikoMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E33625-000TakahashiKazuhikoMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E33625-000OshidaHiroyukiMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E33625-000SawadaTadayukiMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E33625-000BabaYasuhiroMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E33625-000ImamuraMakotoMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E33625-000NakanoTakeshiMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E33625-000UenoMitsumasaMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant47000
Audit fees reporting companyPrior1YearDuration70000000JPY
Non audit fees reporting companyPrior1YearDuration14000000JPY
Audit fees reporting companyCurrentYearDuration70000000JPY
Non audit fees reporting companyCurrentYearDuration5000000JPY
Audit fees consolidated subsidiariesPrior1YearDuration-JPY
Non audit fees consolidated subsidiariesPrior1YearDuration-JPY
Audit fees consolidated subsidiariesCurrentYearDuration-JPY
Non audit fees consolidated subsidiariesCurrentYearDuration-JPY
Audit fees totalPrior1YearDuration70000000JPY
Non audit fees totalPrior1YearDuration14000000JPY
Audit fees totalCurrentYearDuration70000000JPY
Non audit fees totalCurrentYearDuration5000000JPY
Total amount of remuneration etc remuneration etc by category of directors and other officersCurrentYearDuration_DirectorsExcludingOutsideDirectorsMember151000000JPY
Fixed remuneration remuneration by category of directors and other officersCurrentYearDuration_DirectorsExcludingOutsideDirectorsMember105000000JPY
Performance based remuneration remuneration by category of directors and other officersCurrentYearDuration_DirectorsExcludingOutsideDirectorsMember-JPY
Non monetary remuneration remuneration by category of directors and other officersCurrentYearDuration_DirectorsExcludingOutsideDirectorsMember45000000JPY
Number of directors and other officers remuneration etc by category of directors and other officersCurrentYearDuration_DirectorsExcludingOutsideDirectorsMember4
Total amount of remuneration etc remuneration etc by category of directors and other officersCurrentYearDuration_CorporateAuditorsExcludingOutsideCorporateAuditorsMember-JPY
Fixed remuneration remuneration by category of directors and other officersCurrentYearDuration_CorporateAuditorsExcludingOutsideCorporateAuditorsMember-JPY
Performance based remuneration remuneration by category of directors and other officersCurrentYearDuration_CorporateAuditorsExcludingOutsideCorporateAuditorsMember-JPY
Non monetary remuneration remuneration by category of directors and other officersCurrentYearDuration_CorporateAuditorsExcludingOutsideCorporateAuditorsMember-JPY
Number of directors and other officers remuneration etc by category of directors and other officersCurrentYearDuration_CorporateAuditorsExcludingOutsideCorporateAuditorsMember-
Total amount of remuneration etc remuneration etc by category of directors and other officersCurrentYearDuration_OutsideDirectorsMember34000000JPY
Fixed remuneration remuneration by category of directors and other officersCurrentYearDuration_OutsideDirectorsMember34000000JPY
Performance based remuneration remuneration by category of directors and other officersCurrentYearDuration_OutsideDirectorsMember-JPY
Non monetary remuneration remuneration by category of directors and other officersCurrentYearDuration_OutsideDirectorsMember-JPY
Number of directors and other officers remuneration etc by category of directors and other officersCurrentYearDuration_OutsideDirectorsMember4
Total amount of remuneration etc remuneration etc by category of directors and other officersCurrentYearDuration_OutsideCorporateAuditorsMember45000000JPY
Fixed remuneration remuneration by category of directors and other officersCurrentYearDuration_OutsideCorporateAuditorsMember45000000JPY
Performance based remuneration remuneration by category of directors and other officersCurrentYearDuration_OutsideCorporateAuditorsMember-JPY
Non monetary remuneration remuneration by category of directors and other officersCurrentYearDuration_OutsideCorporateAuditorsMember-JPY

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 2022-03-31pass rounding
balance sheet identityconsolidated 2023-03-31pass
balance sheet identitynon_consolidated 2022-03-31pass rounding
balance sheet identitynon_consolidated 2023-03-31pass rounding
dei present pass
period resolution pass
statement vs summary · net assetsnon_consolidated 2021-03-31pass
statement vs summary · net assetsnon_consolidated 2022-03-31pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net income attributable to parentconsolidated 2021-04-01/2022-03-31pass
statement vs summary · net income attributable to parentconsolidated 2022-04-01/2023-03-31pass
statement vs summary · operating cash flowconsolidated 2021-04-01/2022-03-31pass
statement vs summary · operating cash flowconsolidated 2022-04-01/2023-03-31pass
statement vs summary · revenuenon_consolidated 2021-04-01/2022-03-31pass
statement vs summary · revenuenon_consolidated 2022-04-01/2023-03-31pass
statement vs summary · total assetsconsolidated 2022-03-31pass
statement vs summary · total assetsconsolidated 2023-03-31pass
statement vs summary · total assetsnon_consolidated 2022-03-31pass
statement vs summary · total assetsnon_consolidated 2023-03-31pass