Annual report

Period2024-04-01 → 2025-03-31
Filed2025-06-23
StandardIFRS
ConsolidatedYes
Data checks19 of 19 passed
Key figures · 153
MetricValuePeriodScopeSource row
Revenue¥22.3bn2024-04-01 → 2025-03-31Cons.Revenue IFRS (5-year summary)
Revenue¥20.4bn2023-04-01 → 2024-03-31Cons.Revenue IFRS (5-year summary)
Revenue¥22.6bn2022-04-01 → 2023-03-31dCons.Revenue IFRS (5-year summary)
Revenue¥25.2bn2021-04-01 → 2022-03-31dCons.Revenue IFRS (5-year summary)
Revenue¥26.8bn2020-04-01 → 2021-03-31dCons.Revenue IFRS (5-year summary)
Profit before tax¥2.4bn2024-04-01 → 2025-03-31Cons.Profit loss before tax IFRS
Profit before tax¥2.3bn2023-04-01 → 2024-03-31Cons.Profit loss before tax IFRS
Profit before tax¥4.1bn2022-04-01 → 2023-03-31dCons.Profit loss before tax IFRS (5-year summary)
Profit before tax¥6.2bn2021-04-01 → 2022-03-31dCons.Profit loss before tax IFRS (5-year summary)
Profit before tax¥7.7bn2020-04-01 → 2021-03-31dCons.Profit loss before tax IFRS (5-year summary)
Net income (owners)¥1.9bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent IFRS
Net income (owners)¥1.5bn2023-04-01 → 2024-03-31Cons.Profit loss attributable to owners of parent IFRS
Net income (owners)¥2.8bn2022-04-01 → 2023-03-31dCons.Profit loss attributable to owners of parent IFRS (5-year summary)
Net income (owners)¥4.2bn2021-04-01 → 2022-03-31dCons.Profit loss attributable to owners of parent IFRS (5-year summary)
Net income (owners)¥5.2bn2020-04-01 → 2021-03-31dCons.Profit loss attributable to owners of parent IFRS (5-year summary)
Net income¥1.9bn2024-04-01 → 2025-03-31Cons.Profit loss IFRS
Net income¥1.5bn2023-04-01 → 2024-03-31Cons.Profit loss IFRS
Total assets¥205.7bnat 2025-03-31Cons.Assets IFRS
Total assets¥191.4bnat 2024-03-31Cons.Assets IFRS
Total assets¥148.6bnat 2023-03-31dCons.Total assets IFRS (5-year summary)
Total assets¥150.7bnat 2022-03-31dCons.Total assets IFRS (5-year summary)
Total assets¥164.8bnat 2021-03-31dCons.Total assets IFRS (5-year summary)
Total liabilities¥163.5bnat 2025-03-31Cons.Liabilities IFRS
Total liabilities¥149.4bnat 2024-03-31Cons.Liabilities IFRS
Net assets / equity¥42.2bnat 2025-03-31Cons.Equity IFRS
Net assets / equity¥42.0bnat 2024-03-31Cons.Equity IFRS
Net assets / equity¥32.7bnat 2023-03-31dCons.Equity IFRS
Equity (owners)¥42.0bnat 2025-03-31Cons.Equity attributable to owners of parent IFRS
Equity (owners)¥42.0bnat 2024-03-31Cons.Equity attributable to owners of parent IFRS
Equity (owners)¥32.8bnat 2023-03-31dCons.Equity attributable to owners of parent IFRS (5-year summary)
Equity (owners)¥31.9bnat 2022-03-31dCons.Equity attributable to owners of parent IFRS (5-year summary)
Equity (owners)¥30.1bnat 2021-03-31dCons.Equity attributable to owners of parent IFRS (5-year summary)
Cash & equivalents¥20.1bnat 2025-03-31Cons.Cash and cash equivalents IFRS
Cash & equivalents¥20.4bnat 2024-03-31Cons.Cash and cash equivalents IFRS
Cash & equivalents¥17.2bnat 2023-03-31dCons.Cash and cash equivalents IFRS
Cash & equivalents¥22.2bnat 2022-03-31dCons.Cash and cash equivalents IFRS (5-year summary)
Cash & equivalents¥37.4bnat 2021-03-31dCons.Cash and cash equivalents IFRS (5-year summary)
Operating cash flow−¥5.4bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities IFRS
Operating cash flow−¥3.4bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in operating activities IFRS
Operating cash flow¥1.5bn2022-04-01 → 2023-03-31dCons.Cash flows from used in operating activities IFRS (5-year summary)
Operating cash flow¥3.7bn2021-04-01 → 2022-03-31dCons.Cash flows from used in operating activities IFRS (5-year summary)
Operating cash flow¥4.8bn2020-04-01 → 2021-03-31dCons.Cash flows from used in operating activities IFRS (5-year summary)
Investing cash flow−¥5.2bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities IFRS
Investing cash flow¥544m2023-04-01 → 2024-03-31Cons.Net cash provided by used in investing activities IFRS
Investing cash flow−¥712m2022-04-01 → 2023-03-31dCons.Cash flows from used in investing activities IFRS (5-year summary)
Investing cash flow−¥698m2021-04-01 → 2022-03-31dCons.Cash flows from used in investing activities IFRS (5-year summary)
Investing cash flow−¥777m2020-04-01 → 2021-03-31dCons.Cash flows from used in investing activities IFRS (5-year summary)
Financing cash flow¥10.3bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities IFRS
Financing cash flow¥6.1bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in financing activities IFRS
Financing cash flow−¥5.8bn2022-04-01 → 2023-03-31dCons.Cash flows from used in financing activities IFRS (5-year summary)
Financing cash flow−¥18.2bn2021-04-01 → 2022-03-31dCons.Cash flows from used in financing activities IFRS (5-year summary)
Financing cash flow¥18.6bn2020-04-01 → 2021-03-31dCons.Cash flows from used in financing activities IFRS (5-year summary)
EPS (basic)¥42.982024-04-01 → 2025-03-31Cons.Basic earnings loss per share IFRS
EPS (basic)¥39.432023-04-01 → 2024-03-31Cons.Basic earnings loss per share IFRS
EPS (basic)¥79.642022-04-01 → 2023-03-31dCons.Basic earnings loss per share IFRS (5-year summary)
EPS (basic)¥119.782021-04-01 → 2022-03-31dCons.Basic earnings loss per share IFRS (5-year summary)
EPS (basic)¥146.582020-04-01 → 2021-03-31dCons.Basic earnings loss per share IFRS (5-year summary)
EPS (diluted)¥42.952024-04-01 → 2025-03-31Cons.Diluted earnings loss per share IFRS
EPS (diluted)¥39.362023-04-01 → 2024-03-31Cons.Diluted earnings loss per share IFRS
EPS (diluted)¥79.42022-04-01 → 2023-03-31dCons.Diluted earnings loss per share IFRS (5-year summary)
EPS (diluted)¥119.022021-04-01 → 2022-03-31dCons.Diluted earnings loss per share IFRS (5-year summary)
EPS (diluted)¥145.112020-04-01 → 2021-03-31dCons.Diluted earnings loss per share IFRS (5-year summary)
Net assets per share¥947.03at 2025-03-31Cons.Equity to asset ratio IFRS (5-year summary)
Net assets per share¥949at 2024-03-31Cons.Equity to asset ratio IFRS (5-year summary)
Net assets per share¥921.43at 2023-03-31dCons.Equity to asset ratio IFRS (5-year summary)
Net assets per share¥903.09at 2022-03-31dCons.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)
Equity ratio20.4%at 2025-03-31Cons.Ratio of owners equity to gross assets IFRS (5-year summary)
Equity ratio22.0%at 2024-03-31Cons.Ratio of owners equity to gross assets IFRS (5-year summary)
Equity ratio22.0%at 2023-03-31dCons.Ratio of owners equity to gross assets IFRS (5-year summary)
Equity ratio21.2%at 2022-03-31dCons.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)
ROE4.5%2024-04-01 → 2025-03-31Cons.Rate of return on equity IFRS (5-year summary)
ROE4.1%2023-04-01 → 2024-03-31Cons.Rate of return on equity IFRS (5-year summary)
ROE8.7%2022-04-01 → 2023-03-31dCons.Rate of return on equity IFRS (5-year summary)
ROE13.7%2021-04-01 → 2022-03-31dCons.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)
Employees466at 2025-03-31Cons.Number of employees
Employees484at 2024-03-31Cons.Number of employees
Employees485at 2023-03-31dCons.Number of employees
Employees472at 2022-03-31dCons.Number of employees
Employees425at 2021-03-31dCons.Number of employees
Revenue¥18.0bn2024-04-01 → 2025-03-31StandaloneOperating revenue1
Revenue¥17.1bn2023-04-01 → 2024-03-31StandaloneOperating revenue1
Revenue¥19.5bn2022-04-01 → 2023-03-31dStandaloneOperating revenue1 (5-year summary)
Revenue¥24.1bn2021-04-01 → 2022-03-31dStandaloneOperating revenue1 (5-year summary)
Revenue¥26.5bn2020-04-01 → 2021-03-31dStandaloneOperating revenue1 (5-year summary)
Operating income¥591m2024-04-01 → 2025-03-31StandaloneOperating income
Operating income−¥202m2023-04-01 → 2024-03-31StandaloneOperating income
Ordinary income¥202m2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income−¥107m2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥1.2bn2022-04-01 → 2023-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥4.9bn2021-04-01 → 2022-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥6.8bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥202m2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Profit before tax−¥107m2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Net income−¥254m2024-04-01 → 2025-03-31StandaloneProfit loss
Net income−¥549m2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥455m2022-04-01 → 2023-03-31dStandaloneNet income loss (5-year summary)
Net income¥3.1bn2021-04-01 → 2022-03-31dStandaloneNet income loss (5-year summary)
Net income¥4.3bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Total assets¥115.8bnat 2025-03-31StandaloneAssets
Total assets¥108.4bnat 2024-03-31StandaloneAssets
Total assets¥93.1bnat 2023-03-31dStandaloneTotal assets (5-year summary)
Total assets¥102.5bnat 2022-03-31dStandaloneTotal assets (5-year summary)
Total assets¥121.6bnat 2021-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥90.0bnat 2025-03-31StandaloneLiabilities
Total liabilities¥80.3bnat 2024-03-31StandaloneLiabilities
Net assets / equity¥25.9bnat 2025-03-31StandaloneNet assets
Net assets / equity¥28.0bnat 2024-03-31StandaloneNet assets
Net assets / equity¥20.7bnat 2023-03-31dStandaloneNet assets
Net assets / equity¥22.1bnat 2022-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥21.5bnat 2021-03-31dStandaloneNet assets (5-year summary)
Cash and deposits¥15.7bnat 2025-03-31StandaloneCash and deposits
Cash and deposits¥16.8bnat 2024-03-31StandaloneCash and deposits
EPS (basic)¥-5.752024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥-14.282023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥12.872022-04-01 → 2023-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥87.052021-04-01 → 2022-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥122.022020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥12.832022-04-01 → 2023-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥86.492021-04-01 → 2022-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥120.82020-04-01 → 2021-03-31dStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥402024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥402023-04-01 → 2024-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥552022-04-01 → 2023-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥602021-04-01 → 2022-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥552020-04-01 → 2021-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥581.12at 2025-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥626.34at 2024-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥571.34at 2023-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥616.65at 2022-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥594.72at 2021-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio22.3%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio25.6%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio21.8%at 2023-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio21.3%at 2022-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio17.4%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE-0.9%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE-2.3%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE2.2%2022-04-01 → 2023-03-31dStandaloneRate of return on equity (5-year summary)
ROE14.4%2021-04-01 → 2022-03-31dStandaloneRate of return on equity (5-year summary)
ROE21.8%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued44,712,170at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued44,712,170at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued36,080,600at 2023-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued36,080,600at 2022-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued36,080,600at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees398at 2025-03-31StandaloneNumber of employees
Employees423at 2024-03-31StandaloneNumber of employees
Employees474at 2023-03-31dStandaloneNumber of employees
Employees458at 2022-03-31dStandaloneNumber of employees
Employees411at 2021-03-31dStandaloneNumber 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 Related Finance Businessreportable segmentemployeesat 2025-03-31466 pure

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

All source rows · 1,455
ItemContextValueUnit
Independent auditors report consolidated (text)FilingDateInstantText · Plus
Audit firm1 consolidatedFilingDateInstant
Original text (Japanese)有限責任監査法人トーマツ
Cpa1 audit firm1 consolidatedFilingDateInstant
Original text (Japanese)鈴木 泰司
Cpa2 audit firm1 consolidatedFilingDateInstant
Original text (Japanese)馬渕 直樹
Key audit matters consolidated (text)FilingDateInstantText · Plus
Overview kam consolidated (text)FilingDateInstantText · Plus
Short description kam consolidatedFilingDateInstant_Row1MemberText · Plus
Description including reason kam consolidated (text)FilingDateInstant_Row1MemberText · Plus
Reference kam consolidatedFilingDateInstant_Row1Member
Original text (Japanese)連結財務諸表注記「2.作成の基礎(3) 見積り及び判断の利用」
Reference2 kam consolidatedFilingDateInstant_Row1Member
Original text (Japanese)「8.金融商品の公正価値」
Reference3 kam consolidatedFilingDateInstant_Row1Member
Original text (Japanese)連結財務諸表注記「22.営業収益」
Auditors response kam consolidated (text)FilingDateInstant_Row1MemberText · Plus
Short description kam consolidatedFilingDateInstant_Row2Member
Original text (Japanese)のれんの評価
Description including reason kam consolidated (text)FilingDateInstant_Row2MemberText · Plus
Reference kam consolidatedFilingDateInstant_Row2Member
Original text (Japanese)連結財政状態計算書
Reference2 kam consolidatedFilingDateInstant_Row2Member
Original text (Japanese)連結財務諸表注記「2.作成の基礎(3) 見積り及び判断の利用」
Reference3 kam consolidatedFilingDateInstant_Row2Member
Original text (Japanese)「13.無形資産」
Auditors response kam consolidated (text)FilingDateInstant_Row2MemberText · Plus
Other information consolidated (text)FilingDateInstantText · Plus
Fee related information consolidated (text)FilingDateInstantText · Plus
Independent auditors report non consolidated (text)FilingDateInstantText · Plus
Audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)有限責任監査法人トーマツ
Cpa1 audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)鈴木 泰司
Cpa2 audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)馬渕 直樹
Key audit matters non consolidated (text)FilingDateInstantText · Plus
Overview kam non consolidated (text)FilingDateInstantText · Plus
Short description kam non consolidatedFilingDateInstant_Row1Member
Original text (Japanese)オリジネーション関連収益に反映される、未収収益として認識される配当受領権の時価の見積り
Description including reason kam non consolidated (text)FilingDateInstant_Row1MemberText · Plus
Reference kam non consolidatedFilingDateInstant_Row1Member
Original text (Japanese)注記事項(重要な会計上の見積り)
Auditors response kam non consolidated (text)FilingDateInstant_Row1MemberText · Plus
Other information non consolidated (text)FilingDateInstantText · Plus
Fee related information non consolidated (text)FilingDateInstantText · Plus
Number of submissionFilingDateInstant1
Revenue IFRS (5-year summary)Prior4YearDuration26821000000JPY
Revenue IFRS (5-year summary)Prior3YearDuration25189000000JPY
Revenue IFRS (5-year summary)Prior2YearDuration22601000000JPY
Revenue IFRS (5-year summary)Prior1YearDuration20405000000JPY
Revenue IFRS (5-year summary)CurrentYearDuration22292000000JPY
Profit loss before tax IFRS (5-year summary)Prior4YearDuration7745000000JPY
Profit loss before tax IFRS (5-year summary)Prior3YearDuration6151000000JPY
Profit loss before tax IFRS (5-year summary)Prior2YearDuration4119000000JPY
Profit loss before tax IFRS (5-year summary)Prior1YearDuration2327000000JPY
Profit loss before tax IFRS (5-year summary)CurrentYearDuration2427000000JPY
Profit loss attributable to owners of parent IFRS (5-year summary)Prior4YearDuration5177000000JPY
Profit loss attributable to owners of parent IFRS (5-year summary)Prior3YearDuration4239000000JPY
Profit loss attributable to owners of parent IFRS (5-year summary)Prior2YearDuration2821000000JPY
Profit loss attributable to owners of parent IFRS (5-year summary)Prior1YearDuration1517000000JPY
Profit loss attributable to owners of parent IFRS (5-year summary)CurrentYearDuration1904000000JPY
Comprehensive income attributable to owners of parent IFRS (5-year summary)Prior4YearDuration5177000000JPY
Comprehensive income attributable to owners of parent IFRS (5-year summary)Prior3YearDuration4239000000JPY

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 2024-03-31pass
balance sheet identityconsolidated 2025-03-31pass rounding
balance sheet identitynon_consolidated 2024-03-31pass
balance sheet identitynon_consolidated 2025-03-31pass rounding
dei present pass
period resolution pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2025-03-31pass
statement vs summary · net income attributable to parentconsolidated 2023-04-01/2024-03-31pass
statement vs summary · net income attributable to parentconsolidated 2024-04-01/2025-03-31pass
statement vs summary · operating cash flowconsolidated 2023-04-01/2024-03-31pass
statement vs summary · operating cash flowconsolidated 2024-04-01/2025-03-31pass
statement vs summary · revenuenon_consolidated 2023-04-01/2024-03-31pass
statement vs summary · revenuenon_consolidated 2024-04-01/2025-03-31pass
statement vs summary · total assetsconsolidated 2024-03-31pass
statement vs summary · total assetsconsolidated 2025-03-31pass
statement vs summary · total assetsnon_consolidated 2024-03-31pass
statement vs summary · total assetsnon_consolidated 2025-03-31pass