Annual report

Period2024-04-01 → 2025-03-31
Filed2025-06-26
StandardJapan GAAP
ConsolidatedYes
Data checks22 of 22 passed

Amended by S100WIQY (2025-08-14).

Key figures · 95
MetricValuePeriodScopeSource row
Ordinary income¥10.3bn2024-04-01 → 2025-03-31Cons.Ordinary income
Ordinary income¥12.6bn2023-04-01 → 2024-03-31Cons.Ordinary income
Ordinary income¥5.2bn2022-04-01 → 2023-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥9.7bn2024-04-01 → 2025-03-31Cons.Income before income taxes
Profit before tax¥12.0bn2023-04-01 → 2024-03-31Cons.Income before income taxes
Net income (owners)¥9.1bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥8.3bn2023-04-01 → 2024-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥81.8bn2022-04-01 → 2023-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥9.1bn2024-04-01 → 2025-03-31Cons.Profit loss
Net income¥8.4bn2023-04-01 → 2024-03-31Cons.Profit loss
Total assets¥6.80Tat 2025-03-31Cons.Assets
Total assets¥6.83Tat 2024-03-31Cons.Assets
Total assets¥6.79Tat 2023-03-31dCons.Total assets (5-year summary)
Total liabilities¥6.45Tat 2025-03-31Cons.Liabilities
Total liabilities¥6.45Tat 2024-03-31Cons.Liabilities
Net assets / equity¥353.8bnat 2025-03-31Cons.Net assets
Net assets / equity¥379.5bnat 2024-03-31Cons.Net assets
Net assets / equity¥323.5bnat 2023-03-31dCons.Net assets
Cash & equivalents¥608.3bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥600.7bnat 2024-03-31Cons.Cash and cash equivalents
Cash & equivalents¥708.6bnat 2023-03-31dCons.Cash and cash equivalents
Operating cash flow−¥105.1bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities
Operating cash flow−¥160.6bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥28.8bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow¥117.6bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥64.8bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥33.0bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥5.0bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥12.1bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥6.5bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥185.432024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥169.42023-04-01 → 2024-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥1,930.52022-04-01 → 2023-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (diluted)¥184.42024-04-01 → 2025-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥168.232023-04-01 → 2024-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥1,914.752022-04-01 → 2023-03-31dCons.Diluted earnings per share (5-year summary)
Net assets per share¥7,197.89at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥7,736.85at 2024-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥6,507.51at 2023-03-31dCons.Net assets per share (5-year summary)
Equity ratio5.2%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio5.5%at 2024-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio4.7%at 2023-03-31dCons.Equity to asset ratio (5-year summary)
ROE2.5%2024-04-01 → 2025-03-31Cons.Rate of return on equity (5-year summary)
ROE2.4%2023-04-01 → 2024-03-31Cons.Rate of return on equity (5-year summary)
ROE29.6%2022-04-01 → 2023-03-31dCons.Rate of return on equity (5-year summary)
Employees2,575at 2025-03-31Cons.Number of employees
Employees2,351at 2024-03-31Cons.Number of employees
Employees2,308at 2023-03-31dCons.Number of employees
Revenue¥6.1bn2024-04-01 → 2025-03-31StandaloneOperating revenue1
Revenue¥8.0bn2023-04-01 → 2024-03-31StandaloneOperating revenue1
Revenue¥3.6bn2022-04-01 → 2023-03-31dStandaloneOperating revenue1 (5-year summary)
Operating income¥4.9bn2024-04-01 → 2025-03-31StandaloneOperating income
Operating income¥7.0bn2023-04-01 → 2024-03-31StandaloneOperating income
Ordinary income¥4.9bn2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income¥7.0bn2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥3.2bn2022-04-01 → 2023-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥4.9bn2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Profit before tax¥7.0bn2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Net income¥4.9bn2024-04-01 → 2025-03-31StandaloneProfit loss
Net income¥7.0bn2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥3.2bn2022-04-01 → 2023-03-31dStandaloneNet income loss (5-year summary)
Total assets¥209.5bnat 2025-03-31StandaloneAssets
Total assets¥209.3bnat 2024-03-31StandaloneAssets
Total assets¥207.2bnat 2023-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥186mat 2025-03-31StandaloneLiabilities
Total liabilities¥127mat 2024-03-31StandaloneLiabilities
Net assets / equity¥209.3bnat 2025-03-31StandaloneNet assets
Net assets / equity¥209.2bnat 2024-03-31StandaloneNet assets
Net assets / equity¥207.1bnat 2023-03-31dStandaloneNet assets
Cash and deposits¥2.8bnat 2025-03-31StandaloneCash and deposits
Cash and deposits¥4.5bnat 2024-03-31StandaloneCash and deposits
EPS (basic)¥99.882024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥142.732023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥64.432022-04-01 → 2023-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥99.322024-04-01 → 2025-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥141.742023-04-01 → 2024-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥63.972022-04-01 → 2023-03-31dStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥1102024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥1002023-04-01 → 2024-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥502022-04-01 → 2023-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥4,255.14at 2025-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥4,260.77at 2024-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥4,221.22at 2023-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio99.8%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio99.7%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio99.7%at 2023-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE2.4%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE3.4%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE1.5%2022-04-01 → 2023-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued49,124,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued49,124,000at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued49,124,000at 2023-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees186at 2025-03-31StandaloneNumber of employees
Employees182at 2024-03-31StandaloneNumber of employees
Employees175at 2023-03-31dStandaloneNumber 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 · 72
SegmentItemPeriodValue
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2024-04-01 → 2025-03-31¥59m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2024-04-01 → 2025-03-31¥45m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2024-04-01 → 2025-03-31¥3.4bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2024-04-01 → 2025-03-31¥517m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2025-03-31¥19.6bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2024-04-01 → 2025-03-31¥278m
Reconciling Itemsreconcilingdepreciation2024-04-01 → 2025-03-31¥49m
Reconciling Itemsreconcilingrevenue external2024-04-01 → 2025-03-31¥12m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2025-03-31−¥1.0bn
Reconciling Itemsreconcilingsegment assetsat 2025-03-31−¥5.9bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2025-03-31−¥454m
Bankingreportable segmentcapex2024-04-01 → 2025-03-31¥5.4bn
Bankingreportable segmentdepreciation2024-04-01 → 2025-03-31¥4.3bn
Bankingreportable segmentemployeesat 2025-03-312304 pure
Bankingreportable segmentrevenue external2024-04-01 → 2025-03-31¥91.4bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥182m
Bankingreportable segmentsegment assetsat 2025-03-31¥6.76T
Bankingreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥10.3bn
Leasingreportable segmentcapex2024-04-01 → 2025-03-31¥7m
Leasingreportable segmentdepreciation2024-04-01 → 2025-03-31¥150m
Leasingreportable segmentemployeesat 2025-03-3113 pure
Leasingreportable segmentrevenue external2024-04-01 → 2025-03-31¥6.2bn
Leasingreportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥300m
Leasingreportable segmentsegment assetsat 2025-03-31¥27.7bn
Leasingreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥178m
—segment totalcapex2024-04-01 → 2025-03-31¥5.4bn
—segment totaldepreciation2024-04-01 → 2025-03-31¥4.4bn
—segment totalrevenue external2024-04-01 → 2025-03-31¥97.6bn
—segment totalrevenue intersegment2024-04-01 → 2025-03-31¥483m
—segment totalsegment assetsat 2025-03-31¥6.79T
—segment totalsegment ordinary income2024-04-01 → 2025-03-31¥10.5bn
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2025-03-31¥5.4bn
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2025-03-31¥4.5bn
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2025-03-31¥101.0bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2025-03-31¥1.0bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-03-31¥6.81T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2025-03-31¥10.7bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2023-04-01 → 2024-03-31¥12m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2023-04-01 → 2024-03-31¥36m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2023-04-01 → 2024-03-31¥1.9bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2023-04-01 → 2024-03-31¥540m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2024-03-31¥16.6bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2023-04-01 → 2024-03-31¥369m
Reconciling Itemsreconcilingdepreciation2023-04-01 → 2024-03-31¥55m
Reconciling Itemsreconcilingrevenue external2023-04-01 → 2024-03-31¥1.3bn
Reconciling Itemsreconcilingrevenue intersegment2023-04-01 → 2024-03-31−¥1.0bn
Reconciling Itemsreconcilingsegment assetsat 2024-03-31−¥2.7bn
Reconciling Itemsreconcilingsegment ordinary income2023-04-01 → 2024-03-31¥2.7bn
Bankingreportable segmentcapex2023-04-01 → 2024-03-31¥4.5bn
Bankingreportable segmentdepreciation2023-04-01 → 2024-03-31¥2.9bn
Bankingreportable segmentrevenue external2023-04-01 → 2024-03-31¥79.5bn
Bankingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥157m
Bankingreportable segmentsegment assetsat 2024-03-31¥6.79T
Bankingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥9.3bn
Leasingreportable segmentcapex2023-04-01 → 2024-03-31¥19m
Leasingreportable segmentdepreciation2023-04-01 → 2024-03-31¥153m
Leasingreportable segmentrevenue external2023-04-01 → 2024-03-31¥6.1bn
Leasingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥316m
Leasingreportable segmentsegment assetsat 2024-03-31¥22.6bn
Leasingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥278m
—segment totalcapex2023-04-01 → 2024-03-31¥4.5bn
—segment totaldepreciation2023-04-01 → 2024-03-31¥3.0bn
—segment totalrevenue external2023-04-01 → 2024-03-31¥85.5bn
—segment totalrevenue intersegment2023-04-01 → 2024-03-31¥474m
—segment totalsegment assetsat 2024-03-31¥6.82T
—segment totalsegment ordinary income2023-04-01 → 2024-03-31¥9.5bn
Total Of Reportable Segments And Otherssegment totalcapex2023-04-01 → 2024-03-31¥4.5bn
Total Of Reportable Segments And Otherssegment totaldepreciation2023-04-01 → 2024-03-31¥3.0bn
Total Of Reportable Segments And Otherssegment totalrevenue external2023-04-01 → 2024-03-31¥87.4bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2023-04-01 → 2024-03-31¥1.0bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-03-31¥6.83T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2023-04-01 → 2024-03-31¥9.9bn

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

All source rows · 2,125
ItemContextValueUnit
Interest on borrowings and rediscounts oebnkPrior1YearDuration114000000JPY
Interest on borrowings and rediscounts oebnkCurrentYearDuration579000000JPY
Interest on bonds noePrior1YearDuration31000000JPY
Interest on bonds noeCurrentYearDuration-JPY
Other interest expenses oebnkPrior1YearDuration1640000000JPY
Other interest expenses oebnkCurrentYearDuration1062000000JPY
Fees and commissions payments oebnkPrior1YearDuration5435000000JPY
Fees and commissions payments oebnkCurrentYearDuration5664000000JPY
Other ordinary expenses oebnkPrior1YearDuration14946000000JPY
Other ordinary expenses oebnkCurrentYearDuration20081000000JPY
General and administrative expenses oebnkPrior1YearDuration43712000000JPY
General and administrative expenses oebnkCurrentYearDuration47750000000JPY
Other expenses oebnkPrior1YearDuration8529000000JPY
Other expenses oebnkCurrentYearDuration9281000000JPY
Provision of allowance for loan losses oebnkPrior1YearDuration1121000000JPY
Provision of allowance for loan losses oebnkCurrentYearDuration714000000JPY
Provision for reserve for possible losses on investment noePrior1YearDuration-JPY
Provision for reserve for possible losses on investment noeCurrentYearDuration0JPY
Provision for reserve for reimbursement of deposits oebnkPrior1YearDuration31000000JPY
Provision for reserve for reimbursement of deposits oebnkCurrentYearDuration-JPY
Reserve for reimbursement of deposits oebnkPrior1YearDuration316000000JPY
Reserve for reimbursement of deposits oebnkCurrentYearDuration530000000JPY
Other other expenses oebnkPrior1YearDuration7059000000JPY
Other other expenses oebnkCurrentYearDuration8036000000JPY
Ordinary incomePrior1YearDuration12584000000JPY
Ordinary incomeCurrentYearDuration10282000000JPY
Extraordinary incomePrior1YearDuration7000000JPY
Extraordinary incomeCurrentYearDuration10000000JPY
Gain on disposal of noncurrent assets eiPrior1YearDuration7000000JPY
Gain on disposal of noncurrent assets eiCurrentYearDuration10000000JPY
Extraordinary lossPrior1YearDuration561000000JPY
Extraordinary lossCurrentYearDuration567000000JPY
Loss on disposal of noncurrent assets elPrior1YearDuration54000000JPY
Loss on disposal of noncurrent assets elCurrentYearDuration102000000JPY
Impairment loss elPrior1YearDuration285000000JPY
Impairment loss elCurrentYearDuration7000000JPY
Loss on revision of retirement benefit plan elPrior1YearDuration-JPY
Loss on revision of retirement benefit plan elCurrentYearDuration457000000JPY
Losses on cancellation of systems elPrior1YearDuration222000000JPY
Losses on cancellation of systems elCurrentYearDuration-JPY
Income before income taxesPrior1YearDuration12030000000JPY
Income before income taxesCurrentYearDuration9725000000JPY
Income taxes currentPrior1YearDuration3489000000JPY
Income taxes currentCurrentYearDuration824000000JPY
Income taxes deferredPrior1YearDuration169000000JPY
Income taxes deferredCurrentYearDuration-195000000JPY
Income taxesPrior1YearDuration3659000000JPY
Income taxesCurrentYearDuration629000000JPY
Profit lossPrior1YearDuration8371000000JPY
Profit lossCurrentYearDuration9095000000JPY

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 · 22 of 22 passed
balance sheet identityconsolidated 2024-03-31pass rounding
balance sheet identityconsolidated 2025-03-31pass
balance sheet identitynon_consolidated 2024-03-31pass rounding
balance sheet identitynon_consolidated 2025-03-31pass
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2023-03-31pass
statement vs summary · net assetsconsolidated 2024-03-31pass
statement vs summary · net assetsconsolidated 2025-03-31pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2025-03-31pass
statement vs summary · net income attributable to parentconsolidated 2023-04-01/2024-03-31pass
statement vs summary · net income attributable to parentconsolidated 2024-04-01/2025-03-31pass
statement vs summary · operating cash flowconsolidated 2023-04-01/2024-03-31pass
statement vs summary · operating cash flowconsolidated 2024-04-01/2025-03-31pass
statement vs summary · revenuenon_consolidated 2023-04-01/2024-03-31pass
statement vs summary · revenuenon_consolidated 2024-04-01/2025-03-31pass
statement vs summary · total assetsconsolidated 2024-03-31pass
statement vs summary · total assetsconsolidated 2025-03-31pass
statement vs summary · total assetsnon_consolidated 2024-03-31pass
statement vs summary · total assetsnon_consolidated 2025-03-31pass