Annual report

Period2024-04-01 → 2025-03-31
Filed2025-08-14
StandardJapan GAAP
ConsolidatedYes
Data checks22 of 22 passed

Amends S100W08A.

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 → 2023-03-31vCons.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 → 2023-03-31vCons.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 2023-03-31vCons.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 2023-03-31vCons.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 2023-03-31vCons.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 → 2023-03-31vCons.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 → 2023-03-31vCons.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 → 2023-03-31vCons.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 → 2023-03-31vCons.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 → 2023-03-31vCons.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 2023-03-31vCons.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 2023-03-31vCons.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 → 2023-03-31vCons.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 2023-03-31vCons.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 → 2023-03-31vStandaloneOperating 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 → 2023-03-31vStandaloneOrdinary 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 → 2023-03-31vStandaloneNet income loss (5-year summary)
Total assets¥209.5bnat 2025-03-31StandaloneAssets
Total assets¥209.3bnat 2024-03-31StandaloneAssets
Total assets¥207.2bnat 2023-03-31vStandaloneTotal 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 2023-03-31vStandaloneNet 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 → 2023-03-31vStandaloneBasic 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 → 2023-03-31vStandaloneDiluted 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 → 2023-03-31vStandaloneDividend 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 2023-03-31vStandaloneNet 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 2023-03-31vStandaloneEquity 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 → 2023-03-31vStandaloneRate 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 2023-03-31vStandaloneTotal number of issued shares (5-year summary)
Employees186at 2025-03-31StandaloneNumber of employees
Employees182at 2024-03-31StandaloneNumber of employees
Employees175at 2023-03-31vStandaloneNumber 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 · 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
Independent auditors report consolidated (text)FilingDateInstantText · Plus
Audit firm1 consolidatedFilingDateInstant
Original text (Japanese)有限責任 あずさ監査法人
Cpa1 audit firm1 consolidatedFilingDateInstant
Original text (Japanese)池ヶ谷 正
Cpa2 audit firm1 consolidatedFilingDateInstant
Original text (Japanese)山田 昌紀
Key audit matters consolidated (text)FilingDateInstantText · Plus
Overview kam consolidated (text)FilingDateInstantText · Plus
Short description kam consolidatedFilingDateInstant_Row1Member
Original text (Japanese)法人向け貸出金に対する貸倒引当金に係る債務者区分の判定の妥当性及び予想損失率の修正の妥当性
Description including reason kam consolidated (text)FilingDateInstant_Row1MemberText · Plus
Reference kam consolidatedFilingDateInstant_Row1MemberText · Plus
Auditors response kam consolidated (text)FilingDateInstant_Row1MemberText · Plus
Other information consolidated (text)FilingDateInstantText · Plus
Fee related information consolidated (text)FilingDateInstantText · Plus
Independent auditors report non consolidated (text)FilingDateInstantText · Plus
Audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)有限責任 あずさ監査法人
Cpa1 audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)池ヶ谷 正
Cpa2 audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)山田 昌紀
Key audit matters non consolidated (text)FilingDateInstantText · Plus
Overview kam non consolidated (text)FilingDateInstantText · Plus
Other information non consolidated (text)FilingDateInstantText · Plus
Fee related information non consolidated (text)FilingDateInstantText · Plus
Number of submissionFilingDateInstant2
Ordinary income (5-year summary)Prior2YearDuration72861000000JPY
Ordinary income (5-year summary)Prior1YearDuration88687000000JPY
Ordinary income (5-year summary)CurrentYearDuration101036000000JPY
Ordinary income loss (5-year summary)Prior2YearDuration5237000000JPY
Ordinary income loss (5-year summary)Prior1YearDuration12584000000JPY
Ordinary income loss (5-year summary)CurrentYearDuration10282000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior2YearDuration81806000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior1YearDuration8295000000JPY
Profit loss attributable to owners of parent (5-year summary)CurrentYearDuration9097000000JPY
Comprehensive income (5-year summary)Prior2YearDuration67207000000JPY
Comprehensive income (5-year summary)Prior1YearDuration62825000000JPY
Comprehensive income (5-year summary)CurrentYearDuration-20892000000JPY
Net assets (5-year summary)Prior2YearInstant323476000000JPY
Net assets (5-year summary)Prior1YearInstant379531000000JPY
Net assets (5-year summary)CurrentYearInstant353810000000JPY
Total assets (5-year summary)Prior2YearInstant6786007000000JPY
Total assets (5-year summary)Prior1YearInstant6831438000000JPY
Total assets (5-year summary)CurrentYearInstant6799701000000JPY
Net assets per share (5-year summary)Prior2YearInstant6507.51
Net assets per share (5-year summary)Prior1YearInstant7736.85
Net assets per share (5-year summary)CurrentYearInstant7197.89
Basic earnings loss per share (5-year summary)Prior2YearDuration1930.50
Basic earnings loss per share (5-year summary)Prior1YearDuration169.40
Basic earnings loss per share (5-year summary)CurrentYearDuration185.43
Diluted earnings per share (5-year summary)Prior2YearDuration1914.75
Diluted earnings per share (5-year summary)Prior1YearDuration168.23
Diluted earnings per share (5-year summary)CurrentYearDuration184.40
Equity to asset ratio (5-year summary)Prior2YearInstant0.047
Equity to asset ratio (5-year summary)Prior1YearInstant0.055

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