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← Juroku Financial Group

Half-year report · HY

7380.TEDINET S100X68Z
Period2025-04-01 → 2025-09-30
Filed2025-11-26
StandardJapan GAAP
ConsolidatedYes
Data checks25 of 25 passed
Key figures · 119
MetricValuePeriodScopeSource row
Ordinary income¥16.8bn2025-04-01 → 2025-09-30Cons.Ordinary income
Ordinary income¥31.2bn2024-04-01 → 2025-03-31Cons.Ordinary income loss (5-year summary)
Ordinary income¥15.9bn2024-04-01 → 2024-09-30Cons.Ordinary income
Ordinary income¥27.9bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥14.1bn2023-04-01 → 2023-09-30dCons.Ordinary income loss (5-year summary)
Profit before tax¥16.0bn2025-04-01 → 2025-09-30Cons.Income before income taxes
Profit before tax¥15.8bn2024-04-01 → 2024-09-30Cons.Income before income taxes
Net income (owners)¥11.4bn2025-04-01 → 2025-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥20.8bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥10.4bn2024-04-01 → 2024-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥19.3bn2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥9.5bn2023-04-01 → 2023-09-30dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥11.6bn2025-04-01 → 2025-09-30Cons.Profit loss
Net income¥10.5bn2024-04-01 → 2024-09-30Cons.Profit loss
Total assets¥7.56Tat 2025-09-30Cons.Assets
Total assets¥7.60Tat 2025-03-31Cons.Assets
Total assets¥7.57Tat 2024-09-30Cons.Assets
Total assets¥7.54Tat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥7.43Tat 2023-09-30dCons.Total assets (5-year summary)
Total liabilities¥7.11Tat 2025-09-30Cons.Liabilities
Total liabilities¥7.17Tat 2025-03-31Cons.Liabilities
Net assets / equity¥456.6bnat 2025-09-30Cons.Net assets
Net assets / equity¥423.6bnat 2025-03-31Cons.Net assets
Net assets / equity¥429.5bnat 2024-09-30Cons.Net assets
Net assets / equity¥451.5bnat 2024-03-31vCons.Net assets
Net assets / equity¥414.5bnat 2023-09-30dCons.Net assets (5-year summary)
Cash & equivalents¥1.18Tat 2025-09-30Cons.Cash and cash equivalents
Cash & equivalents¥1.07Tat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥1.02Tat 2024-09-30Cons.Cash and cash equivalents
Cash & equivalents¥968.3bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥914.8bnat 2023-09-30dCons.Cash and cash equivalents (5-year summary)
Operating cash flow−¥51.5bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥2.9bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥27.9bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥156.8bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥155.8bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow¥166.6bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in investment activities
Investing cash flow¥107.8bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥28.1bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in investment activities
Investing cash flow¥70.7bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥15.6bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥3.6bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥8.9bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥6.0bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥6.5bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥4.0bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥317.942025-04-01 → 2025-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥577.292024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥286.352024-04-01 → 2024-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥530.552023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥261.982023-04-01 → 2023-09-30dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥12,588.48at 2025-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥11,679.05at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥11,848.2at 2024-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥12,257.68at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥11,249.6at 2023-09-30dCons.Net assets per share (5-year summary)
Equity ratio6.0%at 2025-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio5.5%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio5.6%at 2024-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio5.9%at 2024-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio5.5%at 2023-09-30dCons.Equity to asset ratio (5-year summary)
Employees2,437at 2025-09-30Cons.Number of employees
Employees2,374at 2025-03-31Cons.Number of employees
Employees2,494at 2024-09-30Cons.Number of employees
Employees2,451at 2024-03-31vCons.Number of employees
Employees2,551at 2023-09-30dCons.Number of employees
Revenue¥5.0bn2025-04-01 → 2025-09-30StandaloneOperating revenue1
Revenue¥9.3bn2024-04-01 → 2025-03-31StandaloneOperating revenue1 (5-year summary)
Revenue¥4.1bn2024-04-01 → 2024-09-30StandaloneOperating revenue1
Revenue¥7.4bn2023-04-01 → 2024-03-31vStandaloneOperating revenue1 (5-year summary)
Revenue¥3.8bn2023-04-01 → 2023-09-30dStandaloneOperating revenue1 (5-year summary)
Operating income¥4.1bn2025-04-01 → 2025-09-30StandaloneOperating income
Operating income¥3.2bn2024-04-01 → 2024-09-30StandaloneOperating income
Ordinary income¥4.0bn2025-04-01 → 2025-09-30StandaloneOrdinary income
Ordinary income¥7.1bn2024-04-01 → 2025-03-31StandaloneOrdinary income loss (5-year summary)
Ordinary income¥3.2bn2024-04-01 → 2024-09-30StandaloneOrdinary income
Ordinary income¥5.5bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.9bn2023-04-01 → 2023-09-30dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥4.0bn2025-04-01 → 2025-09-30StandaloneIncome before income taxes
Profit before tax¥3.1bn2024-04-01 → 2024-09-30StandaloneIncome before income taxes
Net income¥4.0bn2025-04-01 → 2025-09-30StandaloneProfit loss
Net income¥7.0bn2024-04-01 → 2025-03-31StandaloneNet income loss (5-year summary)
Net income¥3.1bn2024-04-01 → 2024-09-30StandaloneProfit loss
Net income¥5.3bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥2.8bn2023-04-01 → 2023-09-30dStandaloneNet income loss (5-year summary)
Total assets¥319.5bnat 2025-09-30StandaloneAssets
Total assets¥302.8bnat 2025-03-31StandaloneAssets
Total assets¥304.5bnat 2024-09-30StandaloneTotal assets (5-year summary)
Total assets¥304.4bnat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥304.5bnat 2023-09-30dStandaloneTotal assets (5-year summary)
Total liabilities¥18.9bnat 2025-09-30StandaloneLiabilities
Total liabilities¥2.6bnat 2025-03-31StandaloneLiabilities
Net assets / equity¥300.6bnat 2025-09-30StandaloneNet assets
Net assets / equity¥300.2bnat 2025-03-31StandaloneNet assets
Net assets / equity¥299.1bnat 2024-09-30StandaloneNet assets
Net assets / equity¥302.0bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥302.1bnat 2023-09-30dStandaloneNet assets (5-year summary)
Cash and deposits¥3.9bnat 2025-09-30StandaloneCash and deposits
Cash and deposits¥444mat 2025-03-31StandaloneCash and deposits
Dividend per share¥1002025-04-01 → 2025-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥1802024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥802024-04-01 → 2024-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥1602023-04-01 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥702023-04-01 → 2023-09-30dStandaloneDividend paid per share (5-year summary)
Equity ratio94.1%at 2025-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio99.1%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio98.2%at 2024-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio99.2%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio99.2%at 2023-09-30dStandaloneEquity to asset ratio (5-year summary)
Shares issued37,924,000at 2025-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued37,924,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued37,924,000at 2024-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued37,924,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued37,924,000at 2023-09-30dStandaloneTotal number of issued shares (5-year summary)
Employees175at 2025-09-30StandaloneNumber of employees
Employees175at 2025-03-31StandaloneNumber of employees
Employees163at 2024-09-30StandaloneNumber of employees
Employees164at 2024-03-31vStandaloneNumber of employees
Employees160at 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¥15.3bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2025-04-01 → 2025-09-30¥54m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2025-04-01 → 2025-09-30¥4.3bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2025-04-01 → 2025-09-30¥5.4bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2025-09-30¥356.6bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2025-04-01 → 2025-09-30¥4.9bn
Reconciling Itemsreconcilingcapex2025-04-01 → 2025-09-30−¥42m
Reconciling Itemsreconcilingdepreciation2025-04-01 → 2025-09-30¥20m
Reconciling Itemsreconcilingrevenue intersegment2025-04-01 → 2025-09-30−¥6.1bn
Reconciling Itemsreconcilingsegment assetsat 2025-09-30−¥369.1bn
Reconciling Itemsreconcilingsegment ordinary income2025-04-01 → 2025-09-30−¥4.1bn
Bankingreportable segmentcapex2025-04-01 → 2025-09-30¥2.2bn
Bankingreportable segmentdepreciation2025-04-01 → 2025-09-30¥1.6bn
Bankingreportable segmentrevenue external2025-04-01 → 2025-09-30¥58.2bn
Bankingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥609m
Bankingreportable segmentsegment assetsat 2025-09-30¥7.49T
Bankingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥15.5bn
Leasingreportable segmentcapex2025-04-01 → 2025-09-30¥160m
Leasingreportable segmentdepreciation2025-04-01 → 2025-09-30¥205m
Leasingreportable segmentrevenue external2025-04-01 → 2025-09-30¥13.8bn
Leasingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥129m
Leasingreportable segmentsegment assetsat 2025-09-30¥87.2bn
Leasingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥452m
—segment totalcapex2025-04-01 → 2025-09-30¥2.3bn
—segment totaldepreciation2025-04-01 → 2025-09-30¥1.8bn
—segment totalrevenue external2025-04-01 → 2025-09-30¥72.0bn
—segment totalrevenue intersegment2025-04-01 → 2025-09-30¥739m
—segment totalsegment assetsat 2025-09-30¥7.58T
—segment totalsegment ordinary income2025-04-01 → 2025-09-30¥15.9bn
Total Of Reportable Segments And Otherssegment totalcapex2025-04-01 → 2025-09-30¥17.6bn
Total Of Reportable Segments And Otherssegment totaldepreciation2025-04-01 → 2025-09-30¥1.8bn
Total Of Reportable Segments And Otherssegment totalrevenue external2025-04-01 → 2025-09-30¥76.3bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2025-04-01 → 2025-09-30¥6.1bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-09-30¥7.93T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2025-04-01 → 2025-09-30¥20.9bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2024-04-01 → 2024-09-30¥329m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2024-04-01 → 2024-09-30¥51m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2024-04-01 → 2024-09-30¥3.9bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2024-04-01 → 2024-09-30¥4.4bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2024-09-30¥338.2bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2024-04-01 → 2024-09-30¥3.8bn
Reconciling Itemsreconcilingcapex2024-04-01 → 2024-09-30¥30m
Reconciling Itemsreconcilingdepreciation2024-04-01 → 2024-09-30¥54m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2024-09-30−¥5.1bn
Reconciling Itemsreconcilingsegment assetsat 2024-09-30−¥353.8bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2024-09-30−¥3.1bn
Bankingreportable segmentcapex2024-04-01 → 2024-09-30¥2.0bn
Bankingreportable segmentdepreciation2024-04-01 → 2024-09-30¥1.4bn
Bankingreportable segmentrevenue external2024-04-01 → 2024-09-30¥45.9bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥507m
Bankingreportable segmentsegment assetsat 2024-09-30¥7.50T
Bankingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥15.2bn
Leasingreportable segmentcapex2024-04-01 → 2024-09-30¥110m
Leasingreportable segmentdepreciation2024-04-01 → 2024-09-30¥223m
Leasingreportable segmentrevenue external2024-04-01 → 2024-09-30¥14.1bn
Leasingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥140m
Leasingreportable segmentsegment assetsat 2024-09-30¥88.9bn
Leasingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥135m
—segment totalcapex2024-04-01 → 2024-09-30¥2.1bn
—segment totaldepreciation2024-04-01 → 2024-09-30¥1.6bn
—segment totalrevenue external2024-04-01 → 2024-09-30¥60.0bn
—segment totalrevenue intersegment2024-04-01 → 2024-09-30¥647m
—segment totalsegment assetsat 2024-09-30¥7.58T
—segment totalsegment ordinary income2024-04-01 → 2024-09-30¥15.3bn
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2024-09-30¥2.4bn
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2024-09-30¥1.6bn
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2024-09-30¥63.9bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2024-09-30¥5.1bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-09-30¥7.92T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2024-09-30¥19.0bn

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

All source rows · 1,149
ItemContextValueUnit
Fees and commissions oibnkPrior1InterimDuration11939000000JPY
Fees and commissions oibnkInterimDuration13096000000JPY
Other ordinary income oibnkPrior1InterimDuration15683000000JPY
Other ordinary income oibnkInterimDuration15080000000JPY
Other income oibnkPrior1InterimDuration5175000000JPY
Other income oibnkInterimDuration10235000000JPY
Ordinary expenses bnkPrior1InterimDuration47979000000JPY
Ordinary expenses bnkInterimDuration59528000000JPY
Interest expenses oebnkPrior1InterimDuration3747000000JPY
Interest expenses oebnkInterimDuration7837000000JPY
Interest on deposits oebnkPrior1InterimDuration790000000JPY
Interest on deposits oebnkInterimDuration5215000000JPY
Fees and commissions payments oebnkPrior1InterimDuration3624000000JPY
Fees and commissions payments oebnkInterimDuration3535000000JPY
Other ordinary expenses oebnkPrior1InterimDuration15662000000JPY
Other ordinary expenses oebnkInterimDuration23969000000JPY
General and administrative expenses oebnkPrior1InterimDuration21705000000JPY
General and administrative expenses oebnkInterimDuration23386000000JPY
Other expenses oebnkPrior1InterimDuration3240000000JPY
Other expenses oebnkInterimDuration798000000JPY
Ordinary incomePrior1InterimDuration15933000000JPY
Ordinary incomeInterimDuration16816000000JPY
Extraordinary incomePrior1InterimDuration0JPY
Extraordinary incomeInterimDuration0JPY
Gain on disposal of noncurrent assets eiPrior1InterimDuration0JPY
Gain on disposal of noncurrent assets eiInterimDuration0JPY
Extraordinary lossPrior1InterimDuration183000000JPY
Extraordinary lossInterimDuration791000000JPY
Loss on disposal of noncurrent assets elPrior1InterimDuration62000000JPY
Loss on disposal of noncurrent assets elInterimDuration17000000JPY
Impairment loss elPrior1InterimDuration116000000JPY
Impairment loss elInterimDuration770000000JPY
Transfer to reserve for financial products transaction liabilities elbnkPrior1InterimDuration3000000JPY
Transfer to reserve for financial products transaction liabilities elbnkInterimDuration3000000JPY
Income before income taxesPrior1InterimDuration15750000000JPY
Income before income taxesInterimDuration16025000000JPY
Income taxes currentPrior1InterimDuration4774000000JPY
Income taxes currentInterimDuration4283000000JPY
Income taxes deferredPrior1InterimDuration427000000JPY
Income taxes deferredInterimDuration124000000JPY
Income taxesPrior1InterimDuration5202000000JPY
Income taxesInterimDuration4407000000JPY
Profit lossPrior1InterimDuration10548000000JPY
Profit lossInterimDuration11617000000JPY
Profit loss attributable to non controlling interestsPrior1InterimDuration150000000JPY
Profit loss attributable to non controlling interestsInterimDuration205000000JPY
Profit loss attributable to owners of parentPrior1InterimDuration10397000000JPY
Profit loss attributable to owners of parentInterimDuration11411000000JPY
Profit lossPrior1InterimDuration10548000000JPY
Profit lossInterimDuration11617000000JPY

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 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 rounding
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