Half-year report · HY

Period2025-04-01 → 2025-09-30

Filed2025-11-21

StandardJapan GAAP

ConsolidatedYes

Data checks25 of 25 passed

Key figures · 116

Metric	Value	Period	Scope	Source row
Ordinary income	¥7.3bn	2025-04-01 → 2025-09-30	Cons.	Ordinary income
Ordinary income	¥9.5bn	2024-04-01 → 2025-03-31	Cons.	Ordinary income loss (5-year summary)
Ordinary income	¥4.9bn	2024-04-01 → 2024-09-30	Cons.	Ordinary income
Ordinary income	¥8.2bn	2023-04-01 → 2024-03-31^v	Cons.	Ordinary income loss (5-year summary)
Ordinary income	¥4.9bn	2023-04-01 → 2023-09-30^d	Cons.	Ordinary income loss (5-year summary)
Profit before tax	¥3.1bn	2025-04-01 → 2025-09-30	Cons.	Income before income taxes
Profit before tax	¥1.7bn	2024-04-01 → 2024-09-30	Cons.	Income before income taxes
Net income (owners)	¥2.3bn	2025-04-01 → 2025-09-30	Cons.	Profit loss attributable to owners of parent
Net income (owners)	¥2.0bn	2024-04-01 → 2025-03-31	Cons.	Profit loss attributable to owners of parent (5-year summary)
Net income (owners)	¥1.6bn	2024-04-01 → 2024-09-30	Cons.	Profit loss attributable to owners of parent
Net income (owners)	¥1.4bn	2023-04-01 → 2024-03-31^v	Cons.	Profit loss attributable to owners of parent (5-year summary)
Net income (owners)	¥1.7bn	2023-04-01 → 2023-09-30^d	Cons.	Profit loss attributable to owners of parent (5-year summary)
Net income	¥2.3bn	2025-04-01 → 2025-09-30	Cons.	Profit loss
Net income	¥1.6bn	2024-04-01 → 2024-09-30	Cons.	Profit loss
Total assets	¥222.4bn	at 2025-09-30	Cons.	Assets
Total assets	¥217.7bn	at 2025-03-31	Cons.	Assets
Total assets	¥210.9bn	at 2024-09-30	Cons.	Assets
Total assets	¥210.3bn	at 2024-03-31^v	Cons.	Total assets (5-year summary)
Total assets	¥198.6bn	at 2023-09-30^d	Cons.	Total assets (5-year summary)
Total liabilities	¥177.3bn	at 2025-09-30	Cons.	Liabilities
Total liabilities	¥175.2bn	at 2025-03-31	Cons.	Liabilities
Net assets / equity	¥45.1bn	at 2025-09-30	Cons.	Net assets
Net assets / equity	¥42.5bn	at 2025-03-31	Cons.	Net assets
Net assets / equity	¥41.6bn	at 2024-09-30	Cons.	Net assets
Net assets / equity	¥40.0bn	at 2024-03-31^v	Cons.	Net assets
Net assets / equity	¥39.8bn	at 2023-09-30^d	Cons.	Net assets (5-year summary)
Cash & equivalents	¥32.4bn	at 2025-09-30	Cons.	Cash and cash equivalents
Cash & equivalents	¥31.0bn	at 2025-03-31	Cons.	Cash and cash equivalents
Cash & equivalents	¥29.8bn	at 2024-09-30	Cons.	Cash and cash equivalents
Cash & equivalents	¥29.5bn	at 2024-03-31^v	Cons.	Cash and cash equivalents
Cash & equivalents	¥27.5bn	at 2023-09-30^d	Cons.	Cash and cash equivalents (5-year summary)
Operating cash flow	¥4.3bn	2025-04-01 → 2025-09-30	Cons.	Net cash provided by used in operating activities
Operating cash flow	¥7.3bn	2024-04-01 → 2025-03-31	Cons.	Net cash provided by used in operating activities (5-year summary)
Operating cash flow	¥4.7bn	2024-04-01 → 2024-09-30	Cons.	Net cash provided by used in operating activities
Operating cash flow	¥7.3bn	2023-04-01 → 2024-03-31^v	Cons.	Net cash provided by used in operating activities (5-year summary)
Operating cash flow	¥5.7bn	2023-04-01 → 2023-09-30^d	Cons.	Net cash provided by used in operating activities (5-year summary)
Investing cash flow	−¥2.4bn	2025-04-01 → 2025-09-30	Cons.	Net cash provided by used in investment activities
Investing cash flow	−¥5.4bn	2024-04-01 → 2025-03-31	Cons.	Net cash provided by used in investing activities (5-year summary)
Investing cash flow	−¥4.0bn	2024-04-01 → 2024-09-30	Cons.	Net cash provided by used in investment activities
Investing cash flow	−¥9.4bn	2023-04-01 → 2024-03-31^v	Cons.	Net cash provided by used in investing activities (5-year summary)
Investing cash flow	−¥9.9bn	2023-04-01 → 2023-09-30^d	Cons.	Net cash provided by used in investing activities (5-year summary)
Financing cash flow	−¥570m	2025-04-01 → 2025-09-30	Cons.	Net cash provided by used in financing activities
Financing cash flow	−¥469m	2024-04-01 → 2025-03-31	Cons.	Net cash provided by used in financing activities (5-year summary)
Financing cash flow	−¥446m	2024-04-01 → 2024-09-30	Cons.	Net cash provided by used in financing activities
Financing cash flow	−¥250m	2023-04-01 → 2024-03-31^v	Cons.	Net cash provided by used in financing activities (5-year summary)
Financing cash flow	−¥248m	2023-04-01 → 2023-09-30^d	Cons.	Net cash provided by used in financing activities (5-year summary)
EPS (basic)	¥90.82	2025-04-01 → 2025-09-30	Cons.	Basic earnings loss per share (5-year summary)
EPS (basic)	¥80.12	2024-04-01 → 2025-03-31	Cons.	Basic earnings loss per share (5-year summary)
EPS (basic)	¥65.53	2024-04-01 → 2024-09-30	Cons.	Basic earnings loss per share (5-year summary)
EPS (basic)	¥58.45	2023-04-01 → 2024-03-31^v	Cons.	Basic earnings loss per share (5-year summary)
EPS (basic)	¥67.18	2023-04-01 → 2023-09-30^d	Cons.	Basic earnings loss per share (5-year summary)
Net assets per share	¥1,810.91	at 2025-09-30	Cons.	Net assets per share (5-year summary)
Net assets per share	¥1,708.48	at 2025-03-31	Cons.	Net assets per share (5-year summary)
Net assets per share	¥1,670.31	at 2024-09-30	Cons.	Net assets per share (5-year summary)
Net assets per share	¥1,606.93	at 2024-03-31^v	Cons.	Net assets per share (5-year summary)
Net assets per share	¥1,598.84	at 2023-09-30^d	Cons.	Net assets per share (5-year summary)
Equity ratio	20.2%	at 2025-09-30	Cons.	Equity to asset ratio (5-year summary)
Equity ratio	19.5%	at 2025-03-31	Cons.	Equity to asset ratio (5-year summary)
Equity ratio	19.7%	at 2024-09-30	Cons.	Equity to asset ratio (5-year summary)
Equity ratio	19.0%	at 2024-03-31^v	Cons.	Equity to asset ratio (5-year summary)
Equity ratio	20.0%	at 2023-09-30^d	Cons.	Equity to asset ratio (5-year summary)
Employees	1,019	at 2025-09-30	Cons.	Number of employees
Employees	955	at 2025-03-31	Cons.	Number of employees
Employees	949	at 2024-09-30	Cons.	Number of employees
Employees	913	at 2024-03-31^v	Cons.	Number of employees
Employees	937	at 2023-09-30^d	Cons.	Number of employees
Revenue	¥353m	2025-04-01 → 2025-09-30	Standalone	Operating revenue1
Revenue	¥1.2bn	2024-04-01 → 2025-03-31	Standalone	Operating revenue1 (5-year summary)
Revenue	¥300m	2024-04-01 → 2024-09-30	Standalone	Operating revenue1
Revenue	¥1.0bn	2023-04-01 → 2024-03-31^v	Standalone	Operating revenue1 (5-year summary)
Revenue	¥295m	2023-04-01 → 2023-09-30^d	Standalone	Operating revenue1 (5-year summary)
Operating income	¥4m	2025-04-01 → 2025-09-30	Standalone	Operating income
Operating income	¥4m	2024-04-01 → 2024-09-30	Standalone	Operating income
Ordinary income	¥5m	2025-04-01 → 2025-09-30	Standalone	Ordinary income
Ordinary income	¥606m	2024-04-01 → 2025-03-31	Standalone	Ordinary income loss (5-year summary)
Ordinary income	¥4m	2024-04-01 → 2024-09-30	Standalone	Ordinary income
Ordinary income	¥475m	2023-04-01 → 2024-03-31^v	Standalone	Ordinary income loss (5-year summary)
Ordinary income	¥4m	2023-04-01 → 2023-09-30^d	Standalone	Ordinary income loss (5-year summary)
Profit before tax	¥5m	2025-04-01 → 2025-09-30	Standalone	Income before income taxes
Profit before tax	¥3m	2024-04-01 → 2024-09-30	Standalone	Income before income taxes
Net income	¥2m	2025-04-01 → 2025-09-30	Standalone	Profit loss
Net income	¥598m	2024-04-01 → 2025-03-31	Standalone	Net income loss (5-year summary)
Net income	¥1m	2024-04-01 → 2024-09-30	Standalone	Profit loss
Net income	¥468m	2023-04-01 → 2024-03-31^v	Standalone	Net income loss (5-year summary)
Net income	¥17m	2023-04-01 → 2023-09-30^d	Standalone	Net income loss (5-year summary)
Total assets	¥40.7bn	at 2025-09-30	Standalone	Assets
Total assets	¥41.3bn	at 2025-03-31	Standalone	Assets
Total assets	¥40.7bn	at 2024-09-30	Standalone	Total assets (5-year summary)
Total assets	¥41.2bn	at 2024-03-31^v	Standalone	Total assets (5-year summary)
Total assets	¥40.6bn	at 2023-09-30^d	Standalone	Total assets (5-year summary)
Total liabilities	¥222m	at 2025-09-30	Standalone	Liabilities
Total liabilities	¥191m	at 2025-03-31	Standalone	Liabilities
Net assets / equity	¥40.5bn	at 2025-09-30	Standalone	Net assets
Net assets / equity	¥41.1bn	at 2025-03-31	Standalone	Net assets
Net assets / equity	¥40.5bn	at 2024-09-30	Standalone	Net assets
Net assets / equity	¥40.9bn	at 2024-03-31^v	Standalone	Net assets
Net assets / equity	¥40.5bn	at 2023-09-30^d	Standalone	Net assets (5-year summary)
Cash and deposits	¥737m	at 2025-09-30	Standalone	Cash and deposits
Cash and deposits	¥1.8bn	at 2025-03-31	Standalone	Cash and deposits
Dividend per share	¥23	2024-04-01 → 2025-03-31	Standalone	Dividend paid per share (5-year summary)
Dividend per share	¥18	2023-04-01 → 2024-03-31^v	Standalone	Dividend paid per share (5-year summary)
Equity ratio	99.5%	at 2025-09-30	Standalone	Equity to asset ratio (5-year summary)
Equity ratio	99.5%	at 2025-03-31	Standalone	Equity to asset ratio (5-year summary)
Equity ratio	99.5%	at 2024-09-30	Standalone	Equity to asset ratio (5-year summary)
Equity ratio	99.3%	at 2024-03-31^v	Standalone	Equity to asset ratio (5-year summary)
Equity ratio	99.7%	at 2023-09-30^d	Standalone	Equity to asset ratio (5-year summary)
Shares issued	24,820,530	at 2025-09-30	Standalone	Total number of issued shares (5-year summary)
Shares issued	24,820,530	at 2025-03-31	Standalone	Total number of issued shares (5-year summary)
Shares issued	24,820,530	at 2024-09-30	Standalone	Total number of issued shares (5-year summary)
Shares issued	24,820,530	at 2024-03-31^v	Standalone	Total number of issued shares (5-year summary)
Shares issued	24,820,530	at 2023-09-30^d	Standalone	Total number of issued shares (5-year summary)
Employees	21	at 2025-09-30	Standalone	Number of employees
Employees	15	at 2025-03-31	Standalone	Number of employees
Employees	15	at 2024-09-30	Standalone	Number of employees
Employees	15	at 2024-03-31^v	Standalone	Number of employees
Employees	15	at 2023-09-30^d	Standalone	Number 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 · 48

Segment	Item	Period	Value
Reconciling Itemsreconciling	capex	2025-04-01 → 2025-09-30	¥3m
Reconciling Itemsreconciling	depreciation	2025-04-01 → 2025-09-30	¥9m
Reconciling Itemsreconciling	revenue intersegment	2025-04-01 → 2025-09-30	−¥87m
Reconciling Itemsreconciling	segment assets	at 2025-09-30	−¥2.9bn
Assurancereportable segment	capex	2025-04-01 → 2025-09-30	¥533m
Assurancereportable segment	depreciation	2025-04-01 → 2025-09-30	¥429m
Assurancereportable segment	revenue external	2025-04-01 → 2025-09-30	¥22.5bn
Assurancereportable segment	revenue intersegment	2025-04-01 → 2025-09-30	¥64m
Assurancereportable segment	segment assets	at 2025-09-30	¥68.1bn
Life Insurancereportable segment	capex	2025-04-01 → 2025-09-30	¥456m
Life Insurancereportable segment	depreciation	2025-04-01 → 2025-09-30	¥347m
Life Insurancereportable segment	revenue external	2025-04-01 → 2025-09-30	¥28.9bn
Life Insurancereportable segment	revenue intersegment	2025-04-01 → 2025-09-30	¥6m
Life Insurancereportable segment	segment assets	at 2025-09-30	¥139.7bn
Small Amount And Short Term Insurancereportable segment	capex	2025-04-01 → 2025-09-30	¥66m
Small Amount And Short Term Insurancereportable segment	depreciation	2025-04-01 → 2025-09-30	¥74m
Small Amount And Short Term Insurancereportable segment	revenue external	2025-04-01 → 2025-09-30	¥17.8bn
Small Amount And Short Term Insurancereportable segment	revenue intersegment	2025-04-01 → 2025-09-30	¥17m
Small Amount And Short Term Insurancereportable segment	segment assets	at 2025-09-30	¥17.6bn
—segment total	capex	2025-04-01 → 2025-09-30	¥1.1bn
—segment total	depreciation	2025-04-01 → 2025-09-30	¥852m
—segment total	revenue external	2025-04-01 → 2025-09-30	¥69.2bn
—segment total	revenue intersegment	2025-04-01 → 2025-09-30	¥87m
—segment total	segment assets	at 2025-09-30	¥225.3bn
Reconciling Itemsreconciling	capex	2024-04-01 → 2024-09-30	¥3m
Reconciling Itemsreconciling	depreciation	2024-04-01 → 2024-09-30	¥9m
Reconciling Itemsreconciling	revenue intersegment	2024-04-01 → 2024-09-30	−¥105m
Reconciling Itemsreconciling	segment assets	at 2024-09-30	−¥2.5bn
Assurancereportable segment	capex	2024-04-01 → 2024-09-30	¥635m
Assurancereportable segment	depreciation	2024-04-01 → 2024-09-30	¥504m
Assurancereportable segment	revenue external	2024-04-01 → 2024-09-30	¥20.1bn
Assurancereportable segment	revenue intersegment	2024-04-01 → 2024-09-30	¥66m
Assurancereportable segment	segment assets	at 2024-09-30	¥64.3bn
Life Insurancereportable segment	capex	2024-04-01 → 2024-09-30	¥275m
Life Insurancereportable segment	depreciation	2024-04-01 → 2024-09-30	¥314m
Life Insurancereportable segment	revenue external	2024-04-01 → 2024-09-30	¥20.8bn
Life Insurancereportable segment	revenue intersegment	2024-04-01 → 2024-09-30	¥7m
Life Insurancereportable segment	segment assets	at 2024-09-30	¥133.2bn
Small Amount And Short Term Insurancereportable segment	capex	2024-04-01 → 2024-09-30	¥24m
Small Amount And Short Term Insurancereportable segment	depreciation	2024-04-01 → 2024-09-30	¥68m
Small Amount And Short Term Insurancereportable segment	revenue external	2024-04-01 → 2024-09-30	¥16.5bn
Small Amount And Short Term Insurancereportable segment	revenue intersegment	2024-04-01 → 2024-09-30	¥30m
Small Amount And Short Term Insurancereportable segment	segment assets	at 2024-09-30	¥15.9bn
—segment total	capex	2024-04-01 → 2024-09-30	¥935m
—segment total	depreciation	2024-04-01 → 2024-09-30	¥887m
—segment total	revenue external	2024-04-01 → 2024-09-30	¥57.4bn
—segment total	revenue intersegment	2024-04-01 → 2024-09-30	¥105m
—segment total	segment assets	at 2024-09-30	¥213.4bn

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

All source rows · 1,132

Item	Context	Value	Unit
Independent auditors report consolidated (text)	FilingDateInstant	Text · Plus
Audit firm1 consolidated	FilingDateInstant	Original text (Japanese) 有限責任監査法人トーマツ
Cpa1 audit firm1 consolidated	FilingDateInstant	Original text (Japanese) 白田　英生
Cpa2 audit firm1 consolidated	FilingDateInstant	Original text (Japanese) 千葉　香菜子
Independent auditors report non consolidated (text)	FilingDateInstant	Text · Plus
Audit firm1 non consolidated	FilingDateInstant	Original text (Japanese) 有限責任監査法人トーマツ
Cpa1 audit firm1 non consolidated	FilingDateInstant	Original text (Japanese) 白田　英生
Cpa2 audit firm1 non consolidated	FilingDateInstant	Original text (Japanese) 千葉　香菜子
Number of submission	FilingDateInstant	1
Ordinary income (5-year summary)	Prior2InterimDuration	52507000000	JPY
Ordinary income (5-year summary)	Prior1InterimDuration	57362000000	JPY
Ordinary income (5-year summary)	InterimDuration	69211000000	JPY
Ordinary income (5-year summary)	Prior2YearDuration	109339000000	JPY
Ordinary income (5-year summary)	Prior1YearDuration	118463000000	JPY
Ordinary income loss (5-year summary)	Prior2InterimDuration	4851000000	JPY
Ordinary income loss (5-year summary)	Prior1InterimDuration	4867000000	JPY
Ordinary income loss (5-year summary)	InterimDuration	7307000000	JPY
Ordinary income loss (5-year summary)	Prior2YearDuration	8236000000	JPY
Ordinary income loss (5-year summary)	Prior1YearDuration	9474000000	JPY
Profit loss attributable to owners of parent (5-year summary)	Prior2InterimDuration	1667000000	JPY
Profit loss attributable to owners of parent (5-year summary)	Prior1InterimDuration	1626000000	JPY
Profit loss attributable to owners of parent (5-year summary)	InterimDuration	2254000000	JPY
Profit loss attributable to owners of parent (5-year summary)	Prior2YearDuration	1450000000	JPY
Profit loss attributable to owners of parent (5-year summary)	Prior1YearDuration	1988000000	JPY
Comprehensive income (5-year summary)	Prior2InterimDuration	1199000000	JPY
Comprehensive income (5-year summary)	Prior1InterimDuration	2033000000	JPY
Comprehensive income (5-year summary)	InterimDuration	3126000000	JPY
Comprehensive income (5-year summary)	Prior2YearDuration	1403000000	JPY
Comprehensive income (5-year summary)	Prior1YearDuration	2996000000	JPY
Net assets (5-year summary)	Prior2InterimInstant	39793000000	JPY
Net assets (5-year summary)	Prior1InterimInstant	41581000000	JPY
Net assets (5-year summary)	InterimInstant	45078000000	JPY
Net assets (5-year summary)	Prior2YearInstant	39995000000	JPY
Net assets (5-year summary)	Prior1YearInstant	42522000000	JPY
Total assets (5-year summary)	Prior2InterimInstant	198627000000	JPY
Total assets (5-year summary)	Prior1InterimInstant	210888000000	JPY
Total assets (5-year summary)	InterimInstant	222403000000	JPY
Total assets (5-year summary)	Prior2YearInstant	210265000000	JPY
Total assets (5-year summary)	Prior1YearInstant	217714000000	JPY
Net assets per share (5-year summary)	Prior2InterimInstant	1598.84
Net assets per share (5-year summary)	Prior1InterimInstant	1670.31
Net assets per share (5-year summary)	InterimInstant	1810.91
Net assets per share (5-year summary)	Prior2YearInstant	1606.93
Net assets per share (5-year summary)	Prior1YearInstant	1708.48
Basic earnings loss per share (5-year summary)	Prior2InterimDuration	67.18
Basic earnings loss per share (5-year summary)	Prior1InterimDuration	65.53
Basic earnings loss per share (5-year summary)	InterimDuration	90.82
Basic earnings loss per share (5-year summary)	Prior2YearDuration	58.45
Basic earnings loss per share (5-year summary)	Prior1YearDuration	80.12
Diluted earnings per share (5-year summary)	Prior2InterimDuration	－

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 · 25 of 25 passed

balance sheet identity	consolidated 2025-03-31	pass
balance sheet identity	consolidated 2025-09-30	pass
balance sheet identity	non_consolidated 2025-03-31	pass
balance sheet identity	non_consolidated 2025-09-30	pass
dei present		pass
period resolution		pass
statement vs summary · net assets	consolidated 2024-03-31	pass
statement vs summary · net assets	consolidated 2024-09-30	pass
statement vs summary · net assets	consolidated 2025-03-31	pass
statement vs summary · net assets	consolidated 2025-09-30	pass
statement vs summary · net assets	non_consolidated 2024-03-31	pass
statement vs summary · net assets	non_consolidated 2024-09-30	pass
statement vs summary · net assets	non_consolidated 2025-03-31	pass
statement vs summary · net assets	non_consolidated 2025-09-30	pass
statement vs summary · net income attributable to parent	consolidated 2024-04-01/2024-09-30	pass
statement vs summary · net income attributable to parent	consolidated 2025-04-01/2025-09-30	pass
statement vs summary · operating cash flow	consolidated 2024-04-01/2024-09-30	pass
statement vs summary · operating cash flow	consolidated 2025-04-01/2025-09-30	pass
statement vs summary · revenue	non_consolidated 2024-04-01/2024-09-30	pass
statement vs summary · revenue	non_consolidated 2025-04-01/2025-09-30	pass
statement vs summary · total assets	consolidated 2024-09-30	pass
statement vs summary · total assets	consolidated 2025-03-31	pass
statement vs summary · total assets	consolidated 2025-09-30	pass
statement vs summary · total assets	non_consolidated 2025-03-31	pass
statement vs summary · total assets	non_consolidated 2025-09-30	pass