Annual report

Period2024-04-01 → 2025-03-31
Filed2025-06-24
StandardJapan GAAP
ConsolidatedYes
Data checks20 of 20 passed
Key figures · 130
MetricValuePeriodScopeSource row
Ordinary income¥26.2bn2024-04-01 → 2025-03-31Cons.Ordinary income
Ordinary income¥20.6bn2023-04-01 → 2024-03-31Cons.Ordinary income
Ordinary income¥13.3bn2022-04-01 → 2023-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥10.6bn2021-04-01 → 2022-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥23.1bn2020-04-01 → 2021-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥24.7bn2024-04-01 → 2025-03-31Cons.Income before income taxes
Profit before tax¥19.5bn2023-04-01 → 2024-03-31Cons.Income before income taxes
Net income (owners)¥20.2bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥15.4bn2023-04-01 → 2024-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥10.6bn2022-04-01 → 2023-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥8.0bn2021-04-01 → 2022-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥21.4bn2020-04-01 → 2021-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥20.2bn2024-04-01 → 2025-03-31Cons.Profit loss
Net income¥15.4bn2023-04-01 → 2024-03-31Cons.Profit loss
Total assets¥3.46Tat 2025-03-31Cons.Assets
Total assets¥3.56Tat 2024-03-31Cons.Assets
Total assets¥3.64Tat 2023-03-31dCons.Total assets (5-year summary)
Total assets¥3.59Tat 2022-03-31dCons.Total assets (5-year summary)
Total assets¥3.55Tat 2021-03-31dCons.Total assets (5-year summary)
Total liabilities¥3.17Tat 2025-03-31Cons.Liabilities
Total liabilities¥3.27Tat 2024-03-31Cons.Liabilities
Net assets / equity¥295.8bnat 2025-03-31Cons.Net assets
Net assets / equity¥295.1bnat 2024-03-31Cons.Net assets
Net assets / equity¥271.0bnat 2023-03-31dCons.Net assets
Net assets / equity¥264.2bnat 2022-03-31dCons.Net assets (5-year summary)
Net assets / equity¥285.8bnat 2021-03-31dCons.Net assets (5-year summary)
Cash & equivalents¥684.5bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥965.3bnat 2024-03-31Cons.Cash and cash equivalents
Cash & equivalents¥1.02Tat 2023-03-31dCons.Cash and cash equivalents
Cash & equivalents¥855.8bnat 2022-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥943.3bnat 2021-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow−¥208.5bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities
Operating cash flow−¥93.1bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥24.5bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥142.2bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥203.7bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥56.4bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥45.1bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥142.3bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥210.8bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥129.3bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥15.9bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥8.3bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥1.1bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥18.8bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥1.2bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥106.842024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥75.442023-04-01 → 2024-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥56.152022-04-01 → 2023-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥34.722021-04-01 → 2022-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥92.522020-04-01 → 2021-03-31dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥1,609.96at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥1,532.15at 2024-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥1,438.33at 2023-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥1,402.54at 2022-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥1,233.18at 2021-03-31dCons.Net assets per share (5-year summary)
Equity ratio8.5%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio8.2%at 2024-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio7.4%at 2023-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio7.3%at 2022-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio8.0%at 2021-03-31dCons.Equity to asset ratio (5-year summary)
ROE6.8%2024-04-01 → 2025-03-31Cons.Rate of return on equity (5-year summary)
ROE5.4%2023-04-01 → 2024-03-31Cons.Rate of return on equity (5-year summary)
ROE4.0%2022-04-01 → 2023-03-31dCons.Rate of return on equity (5-year summary)
ROE2.9%2021-04-01 → 2022-03-31dCons.Rate of return on equity (5-year summary)
ROE7.9%2020-04-01 → 2021-03-31dCons.Rate of return on equity (5-year summary)
Employees1,405at 2025-03-31Cons.Number of employees
Employees1,449at 2024-03-31Cons.Number of employees
Employees1,535at 2023-03-31dCons.Number of employees
Employees1,607at 2022-03-31dCons.Number of employees
Employees1,684at 2021-03-31dCons.Number of employees
Ordinary income¥25.6bn2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income¥20.2bn2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥11.3bn2022-04-01 → 2023-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥10.1bn2021-04-01 → 2022-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥20.0bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥24.2bn2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Profit before tax¥19.0bn2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Net income¥19.8bn2024-04-01 → 2025-03-31StandaloneProfit loss
Net income¥15.0bn2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥9.5bn2022-04-01 → 2023-03-31dStandaloneNet income loss (5-year summary)
Net income¥7.9bn2021-04-01 → 2022-03-31dStandaloneNet income loss (5-year summary)
Net income¥18.9bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Total assets¥3.44Tat 2025-03-31StandaloneAssets
Total assets¥3.54Tat 2024-03-31StandaloneAssets
Total assets¥3.62Tat 2023-03-31dStandaloneTotal assets (5-year summary)
Total assets¥3.57Tat 2022-03-31dStandaloneTotal assets (5-year summary)
Total assets¥3.53Tat 2021-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥3.16Tat 2025-03-31StandaloneLiabilities
Total liabilities¥3.26Tat 2024-03-31StandaloneLiabilities
Net assets / equity¥280.5bnat 2025-03-31StandaloneNet assets
Net assets / equity¥277.8bnat 2024-03-31StandaloneNet assets
Net assets / equity¥255.2bnat 2023-03-31dStandaloneNet assets
Net assets / equity¥246.4bnat 2022-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥265.2bnat 2021-03-31dStandaloneNet assets (5-year summary)
EPS (basic)¥104.762024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥73.732023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥50.632022-04-01 → 2023-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥34.262021-04-01 → 2022-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥81.762020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
Dividend per share¥292024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥212023-04-01 → 2024-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥92022-04-01 → 2023-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥62021-04-01 → 2022-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥52020-04-01 → 2021-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥1,526.91at 2025-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥1,442.73at 2024-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥1,354.61at 2023-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥1,308.17at 2022-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥1,144.67at 2021-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio8.1%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio7.8%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio7.0%at 2023-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio6.9%at 2022-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio7.5%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE7.1%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE5.6%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE3.8%2022-04-01 → 2023-03-31dStandaloneRate of return on equity (5-year summary)
ROE3.1%2021-04-01 → 2022-03-31dStandaloneRate of return on equity (5-year summary)
ROE7.4%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued197,139,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued232,139,000at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued232,139,000at 2023-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued232,139,000at 2022-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued232,139,000at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees1,172at 2025-03-31StandaloneNumber of employees
Employees1,209at 2024-03-31StandaloneNumber of employees
Employees1,283at 2023-03-31dStandaloneNumber of employees
Employees1,352at 2022-03-31dStandaloneNumber of employees
Employees1,424at 2021-03-31dStandaloneNumber 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 · 46
SegmentItemPeriodValue
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2024-04-01 → 2025-03-31¥306m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2024-04-01 → 2025-03-31¥194m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsemployeesat 2025-03-31233 pure
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2024-04-01 → 2025-03-31¥8.4bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2024-04-01 → 2025-03-31¥977m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2025-03-31¥43.8bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2024-04-01 → 2025-03-31¥649m
Reconciling Itemsreconcilingrevenue external2024-04-01 → 2025-03-31−¥372m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2025-03-31−¥1.1bn
Reconciling Itemsreconcilingsegment assetsat 2025-03-31−¥25.4bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2025-03-31−¥139m
Bankingreportable segmentcapex2024-04-01 → 2025-03-31¥1.7bn
Bankingreportable segmentdepreciation2024-04-01 → 2025-03-31¥5.8bn
Bankingreportable segmentemployeesat 2025-03-311172 pure
Bankingreportable segmentrevenue external2024-04-01 → 2025-03-31¥83.0bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥147m
Bankingreportable segmentsegment assetsat 2025-03-31¥3.44T
Bankingreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥25.6bn
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2025-03-31¥2.0bn
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2025-03-31¥6.0bn
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2025-03-31¥91.5bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2025-03-31¥1.1bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-03-31¥3.49T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2025-03-31¥26.3bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2023-04-01 → 2024-03-31¥211m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2023-04-01 → 2024-03-31¥239m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2023-04-01 → 2024-03-31¥8.1bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2023-04-01 → 2024-03-31¥1.2bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2024-03-31¥41.3bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2023-04-01 → 2024-03-31¥741m
Reconciling Itemsreconcilingrevenue external2023-04-01 → 2024-03-31−¥172m
Reconciling Itemsreconcilingrevenue intersegment2023-04-01 → 2024-03-31−¥1.3bn
Reconciling Itemsreconcilingsegment assetsat 2024-03-31−¥21.0bn
Reconciling Itemsreconcilingsegment ordinary income2023-04-01 → 2024-03-31−¥256m
Bankingreportable segmentcapex2023-04-01 → 2024-03-31¥2.0bn
Bankingreportable segmentdepreciation2023-04-01 → 2024-03-31¥5.0bn
Bankingreportable segmentrevenue external2023-04-01 → 2024-03-31¥83.5bn
Bankingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥128m
Bankingreportable segmentsegment assetsat 2024-03-31¥3.54T
Bankingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥20.2bn
Total Of Reportable Segments And Otherssegment totalcapex2023-04-01 → 2024-03-31¥2.2bn
Total Of Reportable Segments And Otherssegment totaldepreciation2023-04-01 → 2024-03-31¥5.2bn
Total Of Reportable Segments And Otherssegment totalrevenue external2023-04-01 → 2024-03-31¥91.6bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2023-04-01 → 2024-03-31¥1.3bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-03-31¥3.58T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2023-04-01 → 2024-03-31¥20.9bn

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

All source rows · 1,931
ItemContextValueUnit
Independent auditors report consolidated (text)FilingDateInstantText · Plus
Audit firm1 consolidatedFilingDateInstant
Original text (Japanese)EY新日本有限責任監査法人
Cpa1 audit firm1 consolidatedFilingDateInstant
Original text (Japanese)岩  崎  裕  男
Cpa2 audit firm1 consolidatedFilingDateInstant
Original text (Japanese)藤  間  信  貴
Key audit matters consolidated (text)FilingDateInstantText · Plus
Overview kam consolidated (text)FilingDateInstantText · Plus
Short description kam consolidatedFilingDateInstant_Row1Member
Original text (Japanese)個人債務者の投資用不動産融資に係る貸倒引当金の算定基礎となる債務者区分の判定
Description including reason kam consolidated (text)FilingDateInstant_Row1MemberText · Plus
Reference kam consolidatedFilingDateInstant_Row1MemberText · Plus
Reference2 kam consolidatedFilingDateInstant_Row1Member
Original text (Japanese)【注記事項】(重要な会計上の見積り)
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)EY新日本有限責任監査法人
Cpa1 audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)岩  崎  裕  男
Cpa2 audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)藤  間  信  貴
Key audit matters non consolidated (text)FilingDateInstantText · Plus
Overview kam non consolidated (text)FilingDateInstantText · Plus
Short description kam non consolidatedFilingDateInstant_Row1Member
Original text (Japanese)個人債務者の投資用不動産融資に係る貸倒引当金の算定基礎となる債務者区分の判定
Same as kam for consolidated fskam non consolidated (text)FilingDateInstant_Row1MemberText · Plus
Other information non consolidated (text)FilingDateInstantText · Plus
Fee related information non consolidated (text)FilingDateInstantText · Plus
Number of submissionFilingDateInstant1
Ordinary income (5-year summary)Prior4YearDuration99791000000JPY
Ordinary income (5-year summary)Prior3YearDuration92072000000JPY
Ordinary income (5-year summary)Prior2YearDuration92403000000JPY
Ordinary income (5-year summary)Prior1YearDuration91447000000JPY
Ordinary income (5-year summary)CurrentYearDuration91092000000JPY
Trust fees (5-year summary)Prior4YearDuration0JPY
Trust fees (5-year summary)Prior3YearDuration0JPY
Trust fees (5-year summary)Prior2YearDuration0JPY
Trust fees (5-year summary)Prior1YearDuration0JPY
Trust fees (5-year summary)CurrentYearDuration0JPY
Ordinary income loss (5-year summary)Prior4YearDuration23113000000JPY
Ordinary income loss (5-year summary)Prior3YearDuration10596000000JPY
Ordinary income loss (5-year summary)Prior2YearDuration13266000000JPY
Ordinary income loss (5-year summary)Prior1YearDuration20641000000JPY
Ordinary income loss (5-year summary)CurrentYearDuration26159000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior4YearDuration21433000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior3YearDuration7960000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior2YearDuration10576000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior1YearDuration15375000000JPY
Profit loss attributable to owners of parent (5-year summary)CurrentYearDuration20177000000JPY
Comprehensive income (5-year summary)Prior4YearDuration30036000000JPY
Comprehensive income (5-year summary)Prior3YearDuration-2673000000JPY
Comprehensive income (5-year summary)Prior2YearDuration7923000000JPY
Comprehensive income (5-year summary)Prior1YearDuration32325000000JPY
Comprehensive income (5-year summary)CurrentYearDuration16449000000JPY
Net assets (5-year summary)Prior4YearInstant285770000000JPY

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 · 20 of 20 passed
balance sheet identityconsolidated 2024-03-31pass
balance sheet identityconsolidated 2025-03-31pass rounding
balance sheet identitynon_consolidated 2024-03-31pass rounding
balance sheet identitynon_consolidated 2025-03-31pass rounding
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 · 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