Annual report

Period2025-04-01 → 2026-03-31
Filed2026-06-19
StandardIFRS
ConsolidatedYes
Data checks19 of 19 passed
Key figures · 153
MetricValuePeriodScopeSource row
Revenue¥25.1bn2025-04-01 → 2026-03-31Cons.Revenue IFRS (5-year summary)
Revenue¥22.3bn2024-04-01 → 2025-03-31Cons.Revenue IFRS (5-year summary)
Revenue¥20.4bn2023-04-01 → 2024-03-31vCons.Revenue IFRS (5-year summary)
Revenue¥22.6bn2022-04-01 → 2023-03-31vCons.Revenue IFRS (5-year summary)
Revenue¥25.2bn2021-04-01 → 2022-03-31vCons.Revenue IFRS (5-year summary)
Profit before tax¥2.8bn2025-04-01 → 2026-03-31Cons.Profit loss before tax IFRS
Profit before tax¥2.4bn2024-04-01 → 2025-03-31Cons.Profit loss before tax IFRS
Profit before tax¥2.3bn2023-04-01 → 2024-03-31vCons.Profit loss before tax IFRS (5-year summary)
Profit before tax¥4.1bn2022-04-01 → 2023-03-31vCons.Profit loss before tax IFRS (5-year summary)
Profit before tax¥6.2bn2021-04-01 → 2022-03-31vCons.Profit loss before tax IFRS (5-year summary)
Net income (owners)¥1.8bn2025-04-01 → 2026-03-31Cons.Profit loss attributable to owners of parent IFRS
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 → 2024-03-31vCons.Profit loss attributable to owners of parent IFRS (5-year summary)
Net income (owners)¥2.8bn2022-04-01 → 2023-03-31vCons.Profit loss attributable to owners of parent IFRS (5-year summary)
Net income (owners)¥4.2bn2021-04-01 → 2022-03-31vCons.Profit loss attributable to owners of parent IFRS (5-year summary)
Net income¥1.8bn2025-04-01 → 2026-03-31Cons.Profit loss IFRS
Net income¥1.9bn2024-04-01 → 2025-03-31Cons.Profit loss IFRS
Total assets¥229.4bnat 2026-03-31Cons.Assets IFRS
Total assets¥205.7bnat 2025-03-31Cons.Assets IFRS
Total assets¥191.4bnat 2024-03-31vCons.Total assets IFRS (5-year summary)
Total assets¥148.6bnat 2023-03-31vCons.Total assets IFRS (5-year summary)
Total assets¥150.7bnat 2022-03-31vCons.Total assets IFRS (5-year summary)
Total liabilities¥187.2bnat 2026-03-31Cons.Liabilities IFRS
Total liabilities¥163.5bnat 2025-03-31Cons.Liabilities IFRS
Net assets / equity¥42.2bnat 2026-03-31Cons.Equity IFRS
Net assets / equity¥42.2bnat 2025-03-31Cons.Equity IFRS
Net assets / equity¥42.0bnat 2024-03-31vCons.Equity IFRS
Equity (owners)¥42.1bnat 2026-03-31Cons.Equity attributable to owners of parent IFRS
Equity (owners)¥42.0bnat 2025-03-31Cons.Equity attributable to owners of parent IFRS
Equity (owners)¥42.0bnat 2024-03-31vCons.Equity attributable to owners of parent IFRS (5-year summary)
Equity (owners)¥32.8bnat 2023-03-31vCons.Equity attributable to owners of parent IFRS (5-year summary)
Equity (owners)¥31.9bnat 2022-03-31vCons.Equity attributable to owners of parent IFRS (5-year summary)
Cash & equivalents¥23.9bnat 2026-03-31Cons.Cash and cash equivalents IFRS
Cash & equivalents¥20.1bnat 2025-03-31Cons.Cash and cash equivalents IFRS
Cash & equivalents¥20.4bnat 2024-03-31vCons.Cash and cash equivalents IFRS
Cash & equivalents¥17.2bnat 2023-03-31vCons.Cash and cash equivalents IFRS (5-year summary)
Cash & equivalents¥22.2bnat 2022-03-31vCons.Cash and cash equivalents IFRS (5-year summary)
Operating cash flow−¥14.8bn2025-04-01 → 2026-03-31Cons.Net cash provided by used in operating activities IFRS
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 → 2024-03-31vCons.Cash flows from used in operating activities IFRS (5-year summary)
Operating cash flow¥1.5bn2022-04-01 → 2023-03-31vCons.Cash flows from used in operating activities IFRS (5-year summary)
Operating cash flow¥3.7bn2021-04-01 → 2022-03-31vCons.Cash flows from used in operating activities IFRS (5-year summary)
Investing cash flow−¥1.3bn2025-04-01 → 2026-03-31Cons.Net cash provided by used in investing activities IFRS
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 → 2024-03-31vCons.Cash flows from used in investing activities IFRS (5-year summary)
Investing cash flow−¥712m2022-04-01 → 2023-03-31vCons.Cash flows from used in investing activities IFRS (5-year summary)
Investing cash flow−¥698m2021-04-01 → 2022-03-31vCons.Cash flows from used in investing activities IFRS (5-year summary)
Financing cash flow¥19.8bn2025-04-01 → 2026-03-31Cons.Net cash provided by used in financing activities IFRS
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 → 2024-03-31vCons.Cash flows from used in financing activities IFRS (5-year summary)
Financing cash flow−¥5.8bn2022-04-01 → 2023-03-31vCons.Cash flows from used in financing activities IFRS (5-year summary)
Financing cash flow−¥18.2bn2021-04-01 → 2022-03-31vCons.Cash flows from used in financing activities IFRS (5-year summary)
EPS (basic)¥40.592025-04-01 → 2026-03-31Cons.Basic earnings loss per share IFRS
EPS (basic)¥42.982024-04-01 → 2025-03-31Cons.Basic earnings loss per share IFRS
EPS (basic)¥39.432023-04-01 → 2024-03-31vCons.Basic earnings loss per share IFRS (5-year summary)
EPS (basic)¥79.642022-04-01 → 2023-03-31vCons.Basic earnings loss per share IFRS (5-year summary)
EPS (basic)¥119.782021-04-01 → 2022-03-31vCons.Basic earnings loss per share IFRS (5-year summary)
EPS (diluted)¥40.582025-04-01 → 2026-03-31Cons.Diluted earnings loss per share IFRS
EPS (diluted)¥42.952024-04-01 → 2025-03-31Cons.Diluted earnings loss per share IFRS
EPS (diluted)¥39.362023-04-01 → 2024-03-31vCons.Diluted earnings loss per share IFRS (5-year summary)
EPS (diluted)¥79.42022-04-01 → 2023-03-31vCons.Diluted earnings loss per share IFRS (5-year summary)
EPS (diluted)¥119.022021-04-01 → 2022-03-31vCons.Diluted earnings loss per share IFRS (5-year summary)
Net assets per share¥947.35at 2026-03-31Cons.Equity to asset ratio 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 2024-03-31vCons.Equity to asset ratio IFRS (5-year summary)
Net assets per share¥921.43at 2023-03-31vCons.Equity to asset ratio IFRS (5-year summary)
Net assets per share¥903.09at 2022-03-31vCons.Equity to asset ratio IFRS (5-year summary)
Equity ratio18.4%at 2026-03-31Cons.Ratio of owners equity to gross assets 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 2024-03-31vCons.Ratio of owners equity to gross assets IFRS (5-year summary)
Equity ratio22.0%at 2023-03-31vCons.Ratio of owners equity to gross assets IFRS (5-year summary)
Equity ratio21.2%at 2022-03-31vCons.Ratio of owners equity to gross assets IFRS (5-year summary)
ROE4.3%2025-04-01 → 2026-03-31Cons.Rate of return on equity 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 → 2024-03-31vCons.Rate of return on equity IFRS (5-year summary)
ROE8.7%2022-04-01 → 2023-03-31vCons.Rate of return on equity IFRS (5-year summary)
ROE13.7%2021-04-01 → 2022-03-31vCons.Rate of return on equity IFRS (5-year summary)
Employees522at 2026-03-31Cons.Number of employees
Employees466at 2025-03-31Cons.Number of employees
Employees484at 2024-03-31vCons.Number of employees
Employees485at 2023-03-31vCons.Number of employees
Employees472at 2022-03-31vCons.Number of employees
Revenue¥20.5bn2025-04-01 → 2026-03-31StandaloneOperating revenue1
Revenue¥18.0bn2024-04-01 → 2025-03-31StandaloneOperating revenue1
Revenue¥17.1bn2023-04-01 → 2024-03-31vStandaloneOperating revenue1 (5-year summary)
Revenue¥19.5bn2022-04-01 → 2023-03-31vStandaloneOperating revenue1 (5-year summary)
Revenue¥24.1bn2021-04-01 → 2022-03-31vStandaloneOperating revenue1 (5-year summary)
Operating income¥1.1bn2025-04-01 → 2026-03-31StandaloneOperating income
Operating income¥591m2024-04-01 → 2025-03-31StandaloneOperating income
Ordinary income¥1.4bn2025-04-01 → 2026-03-31StandaloneOrdinary income
Ordinary income¥202m2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income−¥107m2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥1.2bn2022-04-01 → 2023-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥4.9bn2021-04-01 → 2022-03-31vStandaloneOrdinary income loss (5-year summary)
Profit before tax¥1.4bn2025-04-01 → 2026-03-31StandaloneIncome before income taxes
Profit before tax¥202m2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Net income¥674m2025-04-01 → 2026-03-31StandaloneProfit loss
Net income−¥254m2024-04-01 → 2025-03-31StandaloneProfit loss
Net income−¥549m2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥455m2022-04-01 → 2023-03-31vStandaloneNet income loss (5-year summary)
Net income¥3.1bn2021-04-01 → 2022-03-31vStandaloneNet income loss (5-year summary)
Total assets¥132.5bnat 2026-03-31StandaloneAssets
Total assets¥115.8bnat 2025-03-31StandaloneAssets
Total assets¥108.4bnat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥93.1bnat 2023-03-31vStandaloneTotal assets (5-year summary)
Total assets¥102.5bnat 2022-03-31vStandaloneTotal assets (5-year summary)
Total liabilities¥107.6bnat 2026-03-31StandaloneLiabilities
Total liabilities¥90.0bnat 2025-03-31StandaloneLiabilities
Net assets / equity¥24.9bnat 2026-03-31StandaloneNet assets
Net assets / equity¥25.9bnat 2025-03-31StandaloneNet assets
Net assets / equity¥28.0bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥20.7bnat 2023-03-31vStandaloneNet assets (5-year summary)
Net assets / equity¥22.1bnat 2022-03-31vStandaloneNet assets (5-year summary)
Cash and deposits¥15.6bnat 2026-03-31StandaloneCash and deposits
Cash and deposits¥15.7bnat 2025-03-31StandaloneCash and deposits
EPS (basic)¥15.192025-04-01 → 2026-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥-5.752024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥-14.282023-04-01 → 2024-03-31vStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥12.872022-04-01 → 2023-03-31vStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥87.052021-04-01 → 2022-03-31vStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥15.192025-04-01 → 2026-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥12.832022-04-01 → 2023-03-31vStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥86.492021-04-01 → 2022-03-31vStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥402025-04-01 → 2026-03-31StandaloneDividend paid 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 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥552022-04-01 → 2023-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥602021-04-01 → 2022-03-31vStandaloneDividend paid per share (5-year summary)
Net assets per share¥556.79at 2026-03-31StandaloneNet assets 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 2024-03-31vStandaloneNet assets per share (5-year summary)
Net assets per share¥571.34at 2023-03-31vStandaloneNet assets per share (5-year summary)
Net assets per share¥616.65at 2022-03-31vStandaloneNet assets per share (5-year summary)
Equity ratio18.7%at 2026-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio22.3%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio25.6%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio21.8%at 2023-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio21.3%at 2022-03-31vStandaloneEquity to asset ratio (5-year summary)
ROE2.7%2025-04-01 → 2026-03-31StandaloneRate of return on equity (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 → 2024-03-31vStandaloneRate of return on equity (5-year summary)
ROE2.2%2022-04-01 → 2023-03-31vStandaloneRate of return on equity (5-year summary)
ROE14.4%2021-04-01 → 2022-03-31vStandaloneRate of return on equity (5-year summary)
Shares issued44,712,170at 2026-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued44,712,170at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued44,712,170at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued36,080,600at 2023-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued36,080,600at 2022-03-31vStandaloneTotal number of issued shares (5-year summary)
Employees442at 2026-03-31StandaloneNumber of employees
Employees398at 2025-03-31StandaloneNumber of employees
Employees423at 2024-03-31vStandaloneNumber of employees
Employees474at 2023-03-31vStandaloneNumber of employees
Employees458at 2022-03-31vStandaloneNumber 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 2026-03-31522 pure

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

All source rows · 1,400
ItemContextValueUnit
Restricted share based remuneration ss IFRSCurrentYearDuration_ShareCapitalIFRSMember-JPY
Restricted share based remuneration ss IFRSCurrentYearDuration_CapitalSurplusIFRSMember-58000000JPY
Restricted share based remuneration ss IFRSCurrentYearDuration_TreasurySharesIFRSMember89000000JPY
Restricted share based remuneration ss IFRSCurrentYearDuration_RetainedEarningsIFRSMember-JPY
Restricted share based remuneration ss IFRSCurrentYearDuration_EquityAttributableToOwnersOfParentIFRSMember30000000JPY
Restricted share based remuneration ss IFRSCurrentYearDuration_NonControllingInterestsIFRSMember-JPY
Restricted share based remuneration ss IFRSCurrentYearDuration30000000JPY
Total transactions with owners IFRSCurrentYearDuration_ShareCapitalIFRSMember-JPY
Total transactions with owners IFRSCurrentYearDuration_CapitalSurplusIFRSMember-78000000JPY
Total transactions with owners IFRSCurrentYearDuration_TreasurySharesIFRSMember160000000JPY
Total transactions with owners IFRSCurrentYearDuration_RetainedEarningsIFRSMember-1775000000JPY
Total transactions with owners IFRSCurrentYearDuration_EquityAttributableToOwnersOfParentIFRSMember-1693000000JPY
Total transactions with owners IFRSCurrentYearDuration_NonControllingInterestsIFRSMember-JPY
Total transactions with owners IFRSCurrentYearDuration-1693000000JPY
Equity IFRSCurrentYearInstant_ShareCapitalIFRSMember3471000000JPY
Equity IFRSCurrentYearInstant_CapitalSurplusIFRSMember17535000000JPY
Equity IFRSCurrentYearInstant_TreasurySharesIFRSMember-418000000JPY
Equity IFRSCurrentYearInstant_RetainedEarningsIFRSMember21524000000JPY
Equity IFRSCurrentYearInstant_EquityAttributableToOwnersOfParentIFRSMember42112000000JPY
Equity IFRSCurrentYearInstant_NonControllingInterestsIFRSMember125000000JPY
Equity IFRSCurrentYearInstant42237000000JPY
Profit loss before tax IFRSPrior1YearDuration2427000000JPY
Profit loss before tax IFRSCurrentYearDuration2779000000JPY
Depreciation and amortization ope cf IFRSPrior1YearDuration1229000000JPY
Depreciation and amortization ope cf IFRSCurrentYearDuration1098000000JPY
Amortization expenses of servicing assets ope cf IFRSPrior1YearDuration276000000JPY
Amortization expenses of servicing assets ope cf IFRSCurrentYearDuration686000000JPY
Impairment losses reversal of impairment losses ope cf IFRSPrior1YearDuration204000000JPY
Impairment losses reversal of impairment losses ope cf IFRSCurrentYearDuration107000000JPY
Interest income ope cf IFRSPrior1YearDuration-2592000000JPY
Interest income ope cf IFRSCurrentYearDuration-3350000000JPY
Net gain or loss on financial instruments at fvtpl ope cf IFRSPrior1YearDuration-1089000000JPY
Net gain or loss on financial instruments at fvtpl ope cf IFRSCurrentYearDuration-1101000000JPY
Interest expenses ope cf IFRSPrior1YearDuration915000000JPY
Interest expenses ope cf IFRSCurrentYearDuration1543000000JPY
Revenue related to liquidation of loans receivable ope cf IFRSPrior1YearDuration-1423000000JPY
Revenue related to liquidation of loans receivable ope cf IFRSCurrentYearDuration-1148000000JPY
Decrease increase in trade receivables2 ope cf IFRSPrior1YearDuration-216000000JPY
Decrease increase in trade receivables2 ope cf IFRSCurrentYearDuration166000000JPY
Decrease in operating loans receivable ope cf IFRSPrior1YearDuration-9387000000JPY
Decrease in operating loans receivable ope cf IFRSCurrentYearDuration-23532000000JPY
Increase decrease in beneficiary rights ope cf IFRSPrior1YearDuration741000000JPY
Increase decrease in beneficiary rights ope cf IFRSCurrentYearDuration1898000000JPY
Increase in deposits paid ope cf IFRSPrior1YearDuration-0JPY
Increase in deposits paid ope cf IFRSCurrentYearDuration-3000000JPY
Increase in accounts receivable ope cf IFRSPrior1YearDuration-506000000JPY
Increase in accounts receivable ope cf IFRSCurrentYearDuration465000000JPY
Increase decrease in other financial assets ope cf IFRSPrior1YearDuration367000000JPY
Increase decrease in other financial assets ope cf IFRSCurrentYearDuration121000000JPY
Decrease in other assets ope cf IFRSPrior1YearDuration-128000000JPY

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 2025-03-31pass rounding
balance sheet identityconsolidated 2026-03-31pass rounding
balance sheet identitynon_consolidated 2025-03-31pass rounding
balance sheet identitynon_consolidated 2026-03-31pass
dei present pass
period resolution pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2025-03-31pass
statement vs summary · net assetsnon_consolidated 2026-03-31pass
statement vs summary · net income attributable to parentconsolidated 2024-04-01/2025-03-31pass
statement vs summary · net income attributable to parentconsolidated 2025-04-01/2026-03-31pass
statement vs summary · operating cash flowconsolidated 2024-04-01/2025-03-31pass
statement vs summary · operating cash flowconsolidated 2025-04-01/2026-03-31pass
statement vs summary · revenuenon_consolidated 2024-04-01/2025-03-31pass
statement vs summary · revenuenon_consolidated 2025-04-01/2026-03-31pass
statement vs summary · total assetsconsolidated 2025-03-31pass
statement vs summary · total assetsconsolidated 2026-03-31pass
statement vs summary · total assetsnon_consolidated 2025-03-31pass
statement vs summary · total assetsnon_consolidated 2026-03-31pass