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← San ju San Financial Group

Half-year report · HY

7322.TEDINET S100X5S5
Period2025-04-01 → 2025-09-30
Filed2025-11-21
StandardJapan GAAP
ConsolidatedYes
Data checks26 of 26 passed
Key figures · 120
MetricValuePeriodScopeSource row
Ordinary income¥7.8bn2025-04-01 → 2025-09-30Cons.Ordinary income
Ordinary income¥11.8bn2024-04-01 → 2025-03-31Cons.Ordinary income loss (5-year summary)
Ordinary income¥7.0bn2024-04-01 → 2024-09-30Cons.Ordinary income
Ordinary income¥9.8bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥4.3bn2023-04-01 → 2023-09-30dCons.Ordinary income loss (5-year summary)
Profit before tax¥7.6bn2025-04-01 → 2025-09-30Cons.Income before income taxes
Profit before tax¥7.0bn2024-04-01 → 2024-09-30Cons.Income before income taxes
Net income (owners)¥5.7bn2025-04-01 → 2025-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥8.7bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥4.9bn2024-04-01 → 2024-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥6.9bn2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥4.0bn2023-04-01 → 2023-09-30dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥5.7bn2025-04-01 → 2025-09-30Cons.Profit loss
Net income¥4.9bn2024-04-01 → 2024-09-30Cons.Profit loss
Total assets¥4.56Tat 2025-09-30Cons.Assets
Total assets¥4.51Tat 2025-03-31Cons.Assets
Total assets¥4.52Tat 2024-09-30Cons.Assets
Total assets¥4.43Tat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥4.34Tat 2023-09-30dCons.Total assets (5-year summary)
Total liabilities¥4.33Tat 2025-09-30Cons.Liabilities
Total liabilities¥4.30Tat 2025-03-31Cons.Liabilities
Total liabilities¥4.31Tat 2024-09-30Cons.Liabilities
Net assets / equity¥221.6bnat 2025-09-30Cons.Net assets
Net assets / equity¥206.0bnat 2025-03-31Cons.Net assets
Net assets / equity¥211.9bnat 2024-09-30Cons.Net assets
Net assets / equity¥213.1bnat 2024-03-31vCons.Net assets
Net assets / equity¥198.0bnat 2023-09-30dCons.Net assets (5-year summary)
Cash & equivalents¥397.1bnat 2025-09-30Cons.Cash and cash equivalents
Cash & equivalents¥422.4bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥487.7bnat 2024-09-30Cons.Cash and cash equivalents
Cash & equivalents¥426.4bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥346.0bnat 2023-09-30dCons.Cash and cash equivalents (5-year summary)
Operating cash flow−¥8.5bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥9.7bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥84.3bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥67.1bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥14.2bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥14.7bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥11.7bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥21.8bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in investment activities
Investing cash flow¥23.4bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥5.5bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥2.0bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥2.1bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥1.2bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥2.3bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥944m2023-04-01 → 2023-09-30dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥217.882025-04-01 → 2025-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥332.532024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥187.662024-04-01 → 2024-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥265.482023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥153.582023-04-01 → 2023-09-30dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥8,516.51at 2025-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥7,914.29at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥8,138.51at 2024-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥8,194.14at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥7,597.57at 2023-09-30dCons.Net assets per share (5-year summary)
Equity ratio4.9%at 2025-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio4.6%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio4.7%at 2024-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio4.8%at 2024-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio4.5%at 2023-09-30dCons.Equity to asset ratio (5-year summary)
Employees2,376at 2025-09-30Cons.Number of employees
Employees2,378at 2025-03-31Cons.Number of employees
Employees2,455at 2024-09-30Cons.Number of employees
Employees2,431at 2024-03-31vCons.Number of employees
Employees2,521at 2023-09-30dCons.Number of employees
Revenue¥1.9bn2025-04-01 → 2025-09-30StandaloneOperating revenue1
Revenue¥3.4bn2024-04-01 → 2025-03-31StandaloneOperating revenue1 (5-year summary)
Revenue¥1.1bn2024-04-01 → 2024-09-30StandaloneOperating revenue1
Revenue¥2.2bn2023-04-01 → 2024-03-31vStandaloneOperating revenue1 (5-year summary)
Revenue¥1.1bn2023-04-01 → 2023-09-30dStandaloneOperating revenue1 (5-year summary)
Operating income¥1.7bn2025-04-01 → 2025-09-30StandaloneOperating income
Operating income¥971m2024-04-01 → 2024-09-30StandaloneOperating income
Ordinary income¥1.7bn2025-04-01 → 2025-09-30StandaloneOrdinary income
Ordinary income¥3.1bn2024-04-01 → 2025-03-31StandaloneOrdinary income loss (5-year summary)
Ordinary income¥974m2024-04-01 → 2024-09-30StandaloneOrdinary income
Ordinary income¥1.9bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥954m2023-04-01 → 2023-09-30dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥1.7bn2025-04-01 → 2025-09-30StandaloneIncome before income taxes
Profit before tax¥974m2024-04-01 → 2024-09-30StandaloneIncome before income taxes
Net income¥1.7bn2025-04-01 → 2025-09-30StandaloneProfit loss
Net income¥3.0bn2024-04-01 → 2025-03-31StandaloneNet income loss (5-year summary)
Net income¥967m2024-04-01 → 2024-09-30StandaloneProfit loss
Net income¥1.9bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥946m2023-04-01 → 2023-09-30dStandaloneNet income loss (5-year summary)
Total assets¥131.2bnat 2025-09-30StandaloneAssets
Total assets¥131.2bnat 2025-03-31StandaloneAssets
Total assets¥130.1bnat 2024-09-30StandaloneTotal assets (5-year summary)
Total assets¥130.3bnat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥130.3bnat 2023-09-30dStandaloneTotal assets (5-year summary)
Total liabilities¥648mat 2025-09-30StandaloneLiabilities
Total liabilities¥454mat 2025-03-31StandaloneLiabilities
Net assets / equity¥130.6bnat 2025-09-30StandaloneNet assets
Net assets / equity¥130.7bnat 2025-03-31StandaloneNet assets
Net assets / equity¥129.6bnat 2024-09-30StandaloneNet assets
Net assets / equity¥129.8bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥129.8bnat 2023-09-30dStandaloneNet assets (5-year summary)
Cash and deposits¥2.1bnat 2025-09-30StandaloneCash and deposits
Cash and deposits¥2.1bnat 2025-03-31StandaloneCash and deposits
Dividend per share¥642025-04-01 → 2025-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥1002024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥372024-04-01 → 2024-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥802023-04-01 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥362023-04-01 → 2023-09-30dStandaloneDividend paid per share (5-year summary)
Equity ratio99.5%at 2025-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio99.7%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio99.7%at 2024-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio99.6%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio99.6%at 2023-09-30dStandaloneEquity to asset ratio (5-year summary)
Shares issued26,167,000at 2025-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued26,167,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued26,167,000at 2024-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued26,167,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued26,167,000at 2023-09-30dStandaloneTotal number of issued shares (5-year summary)
Employees60at 2025-09-30StandaloneNumber of employees
Employees60at 2025-03-31StandaloneNumber of employees
Employees59at 2024-09-30StandaloneNumber of employees
Employees61at 2024-03-31vStandaloneNumber of employees
Employees61at 2023-09-30dStandaloneNumber 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 · 70
SegmentItemPeriodValue
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2025-04-01 → 2025-09-30¥11m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2025-04-01 → 2025-09-30¥20m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2025-04-01 → 2025-09-30¥721m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2025-04-01 → 2025-09-30¥2.3bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2025-09-30¥144.4bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2025-04-01 → 2025-09-30¥1.9bn
Reconciling Itemsreconcilingdepreciation2025-04-01 → 2025-09-30−¥28m
Reconciling Itemsreconcilingrevenue external2025-04-01 → 2025-09-30−¥274m
Reconciling Itemsreconcilingrevenue intersegment2025-04-01 → 2025-09-30−¥3.2bn
Reconciling Itemsreconcilingsegment assetsat 2025-09-30−¥169.6bn
Reconciling Itemsreconcilingsegment ordinary income2025-04-01 → 2025-09-30−¥2.2bn
Bankreportable segmentcapex2025-04-01 → 2025-09-30¥2.0bn
Bankreportable segmentdepreciation2025-04-01 → 2025-09-30¥2.0bn
Bankreportable segmentrevenue external2025-04-01 → 2025-09-30¥36.1bn
Bankreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥602m
Bankreportable segmentsegment assetsat 2025-09-30¥4.53T
Bankreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥7.9bn
Leasereportable segmentcapex2025-04-01 → 2025-09-30¥92m
Leasereportable segmentdepreciation2025-04-01 → 2025-09-30¥171m
Leasereportable segmentrevenue external2025-04-01 → 2025-09-30¥8.2bn
Leasereportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥221m
Leasereportable segmentsegment assetsat 2025-09-30¥51.8bn
Leasereportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥122m
—segment totalcapex2025-04-01 → 2025-09-30¥2.1bn
—segment totaldepreciation2025-04-01 → 2025-09-30¥2.1bn
—segment totalrevenue external2025-04-01 → 2025-09-30¥44.3bn
—segment totalrevenue intersegment2025-04-01 → 2025-09-30¥823m
—segment totalsegment assetsat 2025-09-30¥4.58T
—segment totalsegment ordinary income2025-04-01 → 2025-09-30¥8.0bn
Total Of Reportable Segments And Otherssegment totalcapex2025-04-01 → 2025-09-30¥2.1bn
Total Of Reportable Segments And Otherssegment totaldepreciation2025-04-01 → 2025-09-30¥2.2bn
Total Of Reportable Segments And Otherssegment totalrevenue external2025-04-01 → 2025-09-30¥45.0bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2025-04-01 → 2025-09-30¥3.2bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-09-30¥4.72T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2025-04-01 → 2025-09-30¥9.9bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2024-04-01 → 2024-09-30¥41m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2024-04-01 → 2024-09-30¥27m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2024-04-01 → 2024-09-30¥882m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2024-04-01 → 2024-09-30¥1.7bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2024-09-30¥146.5bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2024-04-01 → 2024-09-30¥1.2bn
Reconciling Itemsreconcilingdepreciation2024-04-01 → 2024-09-30−¥32m
Reconciling Itemsreconcilingrevenue external2024-04-01 → 2024-09-30−¥239m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2024-09-30−¥2.5bn
Reconciling Itemsreconcilingsegment assetsat 2024-09-30−¥174.8bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2024-09-30−¥1.4bn
Bankreportable segmentcapex2024-04-01 → 2024-09-30¥1.5bn
Bankreportable segmentdepreciation2024-04-01 → 2024-09-30¥2.0bn
Bankreportable segmentrevenue external2024-04-01 → 2024-09-30¥28.3bn
Bankreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥600m
Bankreportable segmentsegment assetsat 2024-09-30¥4.50T
Bankreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥7.0bn
Leasereportable segmentcapex2024-04-01 → 2024-09-30¥53m
Leasereportable segmentdepreciation2024-04-01 → 2024-09-30¥159m
Leasereportable segmentrevenue external2024-04-01 → 2024-09-30¥7.2bn
Leasereportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥227m
Leasereportable segmentsegment assetsat 2024-09-30¥44.8bn
Leasereportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥250m
—segment totalcapex2024-04-01 → 2024-09-30¥1.6bn
—segment totaldepreciation2024-04-01 → 2024-09-30¥2.2bn
—segment totalrevenue external2024-04-01 → 2024-09-30¥35.4bn
—segment totalrevenue intersegment2024-04-01 → 2024-09-30¥828m
—segment totalsegment assetsat 2024-09-30¥4.55T
—segment totalsegment ordinary income2024-04-01 → 2024-09-30¥7.2bn
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2024-09-30¥1.6bn
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2024-09-30¥2.2bn
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2024-09-30¥36.3bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2024-09-30¥2.5bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-09-30¥4.69T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2024-09-30¥8.4bn

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

All source rows · 1,052
ItemContextValueUnit
Capital stockPrior1YearInstant10000000000JPY
Capital stockInterimInstant10000000000JPY
Capital surplusPrior1YearInstant48553000000JPY
Capital surplusInterimInstant48553000000JPY
Retained earningsPrior1YearInstant147698000000JPY
Retained earningsInterimInstant151724000000JPY
Treasury stockPrior1YearInstant-280000000JPY
Treasury stockInterimInstant-454000000JPY
Shareholders equityPrior1YearInstant205971000000JPY
Shareholders equityInterimInstant209823000000JPY
Valuation difference on available for sale securitiesPrior1YearInstant-1839000000JPY
Valuation difference on available for sale securitiesInterimInstant9947000000JPY
Deferred gains or losses on hedgesPrior1YearInstant-4000000JPY
Deferred gains or losses on hedgesInterimInstant-3000000JPY
Remeasurements of defined benefit plansPrior1YearInstant1844000000JPY
Remeasurements of defined benefit plansInterimInstant1807000000JPY
Valuation and translation adjustmentsPrior1YearInstant0JPY
Valuation and translation adjustmentsInterimInstant11751000000JPY
Non controlling interestsPrior1YearInstant39000000JPY
Non controlling interestsInterimInstant39000000JPY
Net assetsPrior1YearInstant206011000000JPY
Net assetsInterimInstant221614000000JPY
Liabilities and net assetsPrior1YearInstant4510814000000JPY
Liabilities and net assetsInterimInstant4555028000000JPY
Ordinary income bnkPrior1InterimDuration36053000000JPY
Ordinary income bnkInterimDuration44723000000JPY
Interest income oibnkPrior1InterimDuration18302000000JPY
Interest income oibnkInterimDuration25246000000JPY
Interest on loans and discounts oibnkPrior1InterimDuration14995000000JPY
Interest on loans and discounts oibnkInterimDuration20086000000JPY
Interest and dividends on securities oibnkPrior1InterimDuration2930000000JPY
Interest and dividends on securities oibnkInterimDuration4193000000JPY
Fees and commissions oibnkPrior1InterimDuration7629000000JPY
Fees and commissions oibnkInterimDuration7437000000JPY
Other ordinary income oibnkPrior1InterimDuration1102000000JPY
Other ordinary income oibnkInterimDuration858000000JPY
Other income oibnkPrior1InterimDuration9019000000JPY
Other income oibnkInterimDuration11182000000JPY
Ordinary expenses bnkPrior1InterimDuration29025000000JPY
Ordinary expenses bnkInterimDuration36955000000JPY
Interest expenses oebnkPrior1InterimDuration727000000JPY
Interest expenses oebnkInterimDuration4366000000JPY
Interest on deposits oebnkPrior1InterimDuration636000000JPY
Interest on deposits oebnkInterimDuration3817000000JPY
Fees and commissions payments oebnkPrior1InterimDuration2108000000JPY
Fees and commissions payments oebnkInterimDuration2306000000JPY
Other ordinary expenses oebnkPrior1InterimDuration399000000JPY
Other ordinary expenses oebnkInterimDuration2567000000JPY
General and administrative expenses oebnkPrior1InterimDuration18677000000JPY
General and administrative expenses oebnkInterimDuration19230000000JPY

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 · 26 of 26 passed
balance sheet identityconsolidated 2024-09-30pass
balance sheet identityconsolidated 2025-03-31pass
balance sheet identityconsolidated 2025-09-30pass rounding
balance sheet identitynon_consolidated 2025-03-31pass
balance sheet identitynon_consolidated 2025-09-30pass
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2024-03-31pass
statement vs summary · net assetsconsolidated 2024-09-30pass
statement vs summary · net assetsconsolidated 2025-03-31pass
statement vs summary · net assetsconsolidated 2025-09-30pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2024-09-30pass
statement vs summary · net assetsnon_consolidated 2025-03-31pass
statement vs summary · net assetsnon_consolidated 2025-09-30pass
statement vs summary · net income attributable to parentconsolidated 2024-04-01/2024-09-30pass
statement vs summary · net income attributable to parentconsolidated 2025-04-01/2025-09-30pass
statement vs summary · operating cash flowconsolidated 2024-04-01/2024-09-30pass
statement vs summary · operating cash flowconsolidated 2025-04-01/2025-09-30pass
statement vs summary · revenuenon_consolidated 2024-04-01/2024-09-30pass
statement vs summary · revenuenon_consolidated 2025-04-01/2025-09-30pass
statement vs summary · total assetsconsolidated 2024-09-30pass
statement vs summary · total assetsconsolidated 2025-03-31pass
statement vs summary · total assetsconsolidated 2025-09-30pass
statement vs summary · total assetsnon_consolidated 2025-03-31pass
statement vs summary · total assetsnon_consolidated 2025-09-30pass