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
Right of use assets components of property plant and equipment IFRSCurrentYearInstant486000000JPY
Other components of property plant and equipment IFRSCurrentYearInstant82000000JPY
Property plant and equipment IFRSCurrentYearInstant5122000000JPY
Software acquisition cost IFRSPrior1YearInstant4792000000JPY
Right of use assets components of intangible assets acquisition cost IFRSPrior1YearInstant2323000000JPY
Servicing right components of intangible assets and equipment acquisition cost IFRSPrior1YearInstant5502000000JPY
Servicing assets components of intangible assets and equipment acquisition cost IFRSPrior1YearInstant3204000000JPY
Goodwill acquisition cost IFRSPrior1YearInstant24464000000JPY
Other components of intangible assets acquisition cost IFRSPrior1YearInstant0JPY
Goodwill and intangible assets acquisition cost IFRSPrior1YearInstant40288000000JPY
Software acquisition cost IFRSCurrentYearInstant5469000000JPY
Right of use assets components of intangible assets acquisition cost IFRSCurrentYearInstant-JPY
Servicing right components of intangible assets and equipment acquisition cost IFRSCurrentYearInstant5502000000JPY
Servicing assets components of intangible assets and equipment acquisition cost IFRSCurrentYearInstant3207000000JPY
Goodwill acquisition cost IFRSCurrentYearInstant24464000000JPY
Other components of intangible assets acquisition cost IFRSCurrentYearInstant0JPY
Goodwill and intangible assets acquisition cost IFRSCurrentYearInstant38644000000JPY
Software accumulated amortization and impairment losses IFRSPrior1YearInstant-3288000000JPY
Right of use assets components of intangible assets accumulated amortization and impairment losses IFRSPrior1YearInstant-2323000000JPY
Servicing right components of intangible assets accumulated depreciation and impairment losses IFRSPrior1YearInstant-699000000JPY
Servicing assets components of intangible assets and equipment accumulated amortization and impairment losses IFRSPrior1YearInstant-2952000000JPY
Goodwill accumulated impairment losses IFRSPrior1YearInstant-JPY
Other components of intangible assets accumulated amortization and impairment losses IFRSPrior1YearInstant-JPY
Goodwill and intangible assets accumulated amortization and impairment losses IFRSPrior1YearInstant-9264000000JPY
Software accumulated amortization and impairment losses IFRSCurrentYearInstant-3958000000JPY
Right of use assets components of intangible assets accumulated amortization and impairment losses IFRSCurrentYearInstant-JPY
Servicing right components of intangible assets accumulated depreciation and impairment losses IFRSCurrentYearInstant-1250000000JPY
Servicing assets components of intangible assets and equipment accumulated amortization and impairment losses IFRSCurrentYearInstant-3088000000JPY
Goodwill accumulated impairment losses IFRSCurrentYearInstant-JPY
Other components of intangible assets accumulated amortization and impairment losses IFRSCurrentYearInstant-JPY
Goodwill and intangible assets accumulated amortization and impairment losses IFRSCurrentYearInstant-8297000000JPY
Software IFRSPrior1YearInstant1503000000JPY
Right of use assets components of intangible assets IFRSPrior1YearInstant-JPY
Servicing right components of intangible assets IFRSPrior1YearInstant4803000000JPY
Servicing assets components of intangible assets IFRSPrior1YearInstant252000000JPY
Goodwill IFRSPrior1YearInstant24464000000JPY
Other components of intangible assets IFRSPrior1YearInstant0JPY
Goodwill and intangible assets IFRSPrior1YearInstant31024000000JPY
Software IFRSCurrentYearInstant1510000000JPY
Right of use assets components of intangible assets IFRSCurrentYearInstant-JPY
Servicing right components of intangible assets IFRSCurrentYearInstant4252000000JPY
Servicing assets components of intangible assets IFRSCurrentYearInstant119000000JPY
Goodwill IFRSCurrentYearInstant24464000000JPY
Other components of intangible assets IFRSCurrentYearInstant0JPY
Goodwill and intangible assets IFRSCurrentYearInstant30347000000JPY
Interest expenses IFRSPrior1YearDuration854000000JPY
Interest expenses IFRSCurrentYearDuration1430000000JPY
Fees for assignment of receivables finance costs IFRSPrior1YearDuration203000000JPY
Fees for assignment of receivables finance costs IFRSCurrentYearDuration377000000JPY
Insurance related expenses finance costs IFRSPrior1YearDuration3172000000JPY

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