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
Insurance related expenses finance costs IFRSCurrentYearDuration3377000000JPY
Securitization related costs finance costs IFRSPrior1YearDuration36000000JPY
Securitization related costs finance costs IFRSCurrentYearDuration41000000JPY
Amortization expenses of servicing assets finance costs IFRSPrior1YearDuration276000000JPY
Amortization expenses of servicing assets finance costs IFRSCurrentYearDuration686000000JPY
Other finance costs IFRSPrior1YearDuration106000000JPY
Other finance costs IFRSCurrentYearDuration227000000JPY
Finance costs IFRSPrior1YearDuration4649000000JPY
Finance costs IFRSCurrentYearDuration6141000000JPY
Personnel expenses sga IFRSPrior1YearDuration4434000000JPY
Personnel expenses sga IFRSCurrentYearDuration4975000000JPY
Advertising expenses IFRSPrior1YearDuration598000000JPY
Advertising expenses IFRSCurrentYearDuration367000000JPY
Commission expenses sga IFRSPrior1YearDuration5604000000JPY
Commission expenses sga IFRSCurrentYearDuration5975000000JPY
Usage fee expenses selling general and administrative expenses IFRSPrior1YearDuration1390000000JPY
Usage fee expenses selling general and administrative expenses IFRSCurrentYearDuration1357000000JPY
Depreciation and amortization sga IFRSPrior1YearDuration1229000000JPY
Depreciation and amortization sga IFRSCurrentYearDuration1098000000JPY
Taxes and dues sga IFRSPrior1YearDuration465000000JPY
Taxes and dues sga IFRSCurrentYearDuration521000000JPY
Other sga IFRSPrior1YearDuration227000000JPY
Other sga IFRSCurrentYearDuration272000000JPY
Selling general and administrative expenses IFRSPrior1YearDuration13950000000JPY
Selling general and administrative expenses IFRSCurrentYearDuration14567000000JPY
Impairment losses pl IFRSPrior1YearDuration204000000JPY
Impairment losses pl IFRSCurrentYearDuration107000000JPY
Other components of operating expenses IFRSPrior1YearDuration1038000000JPY
Other components of operating expenses IFRSCurrentYearDuration1519000000JPY
Other expenses operating expenses IFRSPrior1YearDuration1242000000JPY
Other expenses operating expenses IFRSCurrentYearDuration1627000000JPY
Interest expenses other expenses IFRSPrior1YearDuration61000000JPY
Interest expenses other expenses IFRSCurrentYearDuration-JPY
Other other expenses IFRSPrior1YearDuration26000000JPY
Other other expenses IFRSCurrentYearDuration36000000JPY
Other expenses IFRSPrior1YearDuration88000000JPY
Other expenses IFRSCurrentYearDuration36000000JPY
Cash and depositsPrior1YearInstant_NonConsolidatedMember15730000000JPY
Cash and depositsCurrentYearInstant_NonConsolidatedMember15558000000JPY
Accounts receivable tradePrior1YearInstant_NonConsolidatedMember1601000000JPY
Accounts receivable tradeCurrentYearInstant_NonConsolidatedMember1426000000JPY
Operating loans caPrior1YearInstant_NonConsolidatedMember34483000000JPY
Operating loans caCurrentYearInstant_NonConsolidatedMember55329000000JPY
Beneficial interests of loan receivables caPrior1YearInstant_NonConsolidatedMember13000000JPY
Beneficial interests of loan receivables caCurrentYearInstant_NonConsolidatedMember8000000JPY
Accrued incomePrior1YearInstant_NonConsolidatedMember14241000000JPY
Accrued incomeCurrentYearInstant_NonConsolidatedMember12771000000JPY
Beneficiary rights on deposit caPrior1YearInstant_NonConsolidatedMember15251000000JPY
Beneficiary rights on deposit caCurrentYearInstant_NonConsolidatedMember15722000000JPY
Accounts receivable otherPrior1YearInstant_NonConsolidatedMember729000000JPY

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