Half-year report · HY

Period2025-04-01 → 2025-09-30
Filed2025-11-17
StandardJapan GAAP
ConsolidatedYes
Data checks23 of 23 passed
Key figures · 114
MetricValuePeriodScopeSource row
Ordinary income¥2.0bn2025-04-01 → 2025-09-30Cons.Ordinary income
Ordinary income¥2.3bn2024-04-01 → 2025-03-31Cons.Ordinary income loss (5-year summary)
Ordinary income¥1.5bn2024-04-01 → 2024-09-30Cons.Ordinary income
Ordinary income−¥4.1bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥135m2023-04-01 → 2023-09-30dCons.Ordinary income loss (5-year summary)
Profit before tax¥2.0bn2025-04-01 → 2025-09-30Cons.Income before income taxes
Profit before tax¥1.5bn2024-04-01 → 2024-09-30Cons.Income before income taxes
Net income (owners)¥1.5bn2025-04-01 → 2025-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥1.9bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥1.2bn2024-04-01 → 2024-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)−¥3.3bn2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥178m2023-04-01 → 2023-09-30dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥1.5bn2025-04-01 → 2025-09-30Cons.Profit loss
Net income¥1.3bn2024-04-01 → 2024-09-30Cons.Profit loss
Total assets¥1.79Tat 2025-09-30Cons.Assets
Total assets¥1.81Tat 2025-03-31Cons.Assets
Total assets¥1.78Tat 2024-09-30Cons.Assets
Total assets¥1.76Tat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥1.78Tat 2023-09-30dCons.Total assets (5-year summary)
Total liabilities¥1.71Tat 2025-09-30Cons.Liabilities
Total liabilities¥1.73Tat 2025-03-31Cons.Liabilities
Net assets / equity¥79.0bnat 2025-09-30Cons.Net assets
Net assets / equity¥73.3bnat 2025-03-31Cons.Net assets
Net assets / equity¥78.0bnat 2024-09-30Cons.Net assets
Net assets / equity¥79.9bnat 2024-03-31vCons.Net assets
Net assets / equity¥72.4bnat 2023-09-30dCons.Net assets (5-year summary)
Cash & equivalents¥193.6bnat 2025-09-30Cons.Cash and cash equivalents
Cash & equivalents¥242.5bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥210.9bnat 2024-09-30Cons.Cash and cash equivalents
Cash & equivalents¥165.0bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥149.1bnat 2023-09-30dCons.Cash and cash equivalents (5-year summary)
Operating cash flow−¥28.6bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥73.9bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥26.0bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in operating activities
Operating cash flow−¥143.3bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥104.8bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥19.9bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in investment activities
Investing cash flow¥4.7bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥20.6bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in investment activities
Investing cash flow¥61.0bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥6.2bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥295m2025-04-01 → 2025-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥1.1bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥682m2024-04-01 → 2024-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥695m2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥348m2023-04-01 → 2023-09-30dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥133.912025-04-01 → 2025-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥163.242024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥107.532024-04-01 → 2024-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥-286.142023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥15.472023-04-01 → 2023-09-30dCons.Basic earnings loss per share (5-year summary)
EPS (diluted)¥133.112025-04-01 → 2025-09-30Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥162.262024-04-01 → 2025-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥106.892024-04-01 → 2024-09-30Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥15.372023-04-01 → 2023-09-30dCons.Diluted earnings per share (5-year summary)
Net assets per share¥6,843.09at 2025-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥6,364.65at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥6,765.98at 2024-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥6,780.19at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥6,131.11at 2023-09-30dCons.Net assets per share (5-year summary)
Equity ratio4.3%at 2025-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio4.0%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio4.3%at 2024-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio4.5%at 2024-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio4.0%at 2023-09-30dCons.Equity to asset ratio (5-year summary)
Employees959at 2025-09-30Cons.Number of employees
Employees964at 2025-03-31Cons.Number of employees
Employees996at 2024-09-30Cons.Number of employees
Employees982at 2024-03-31vCons.Number of employees
Employees1,011at 2023-09-30dCons.Number of employees
Ordinary income¥2.1bn2025-04-01 → 2025-09-30StandaloneOrdinary income
Ordinary income¥2.0bn2024-04-01 → 2025-03-31StandaloneOrdinary income loss (5-year summary)
Ordinary income¥1.5bn2024-04-01 → 2024-09-30StandaloneOrdinary income
Ordinary income−¥4.1bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥512m2023-04-01 → 2023-09-30dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥2.1bn2025-04-01 → 2025-09-30StandaloneIncome before income taxes
Profit before tax¥1.5bn2024-04-01 → 2024-09-30StandaloneIncome before income taxes
Net income¥1.7bn2025-04-01 → 2025-09-30StandaloneProfit loss
Net income¥1.8bn2024-04-01 → 2025-03-31StandaloneNet income loss (5-year summary)
Net income¥1.4bn2024-04-01 → 2024-09-30StandaloneProfit loss
Net income−¥3.1bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥568m2023-04-01 → 2023-09-30dStandaloneNet income loss (5-year summary)
Total assets¥1.78Tat 2025-09-30StandaloneAssets
Total assets¥1.80Tat 2025-03-31StandaloneAssets
Total assets¥1.77Tat 2024-09-30StandaloneTotal assets (5-year summary)
Total assets¥1.74Tat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥1.77Tat 2023-09-30dStandaloneTotal assets (5-year summary)
Total liabilities¥1.71Tat 2025-09-30StandaloneLiabilities
Total liabilities¥1.73Tat 2025-03-31StandaloneLiabilities
Net assets / equity¥73.1bnat 2025-09-30StandaloneNet assets
Net assets / equity¥67.1bnat 2025-03-31StandaloneNet assets
Net assets / equity¥72.1bnat 2024-09-30StandaloneNet assets
Net assets / equity¥73.8bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥68.0bnat 2023-09-30dStandaloneNet assets (5-year summary)
Dividend per share¥302025-04-01 → 2025-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥602024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥302024-04-01 → 2024-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥552023-04-01 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥302023-04-01 → 2023-09-30dStandaloneDividend paid per share (5-year summary)
Equity ratio4.1%at 2025-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio3.7%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.1%at 2024-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.2%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio3.8%at 2023-09-30dStandaloneEquity to asset ratio (5-year summary)
Shares issued11,641,000at 2025-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued11,641,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued11,641,000at 2024-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued11,641,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued11,641,000at 2023-09-30dStandaloneTotal number of issued shares (5-year summary)
Employees873at 2025-09-30StandaloneNumber of employees
Employees867at 2025-03-31StandaloneNumber of employees
Employees901at 2024-09-30StandaloneNumber of employees
Employees893at 2024-03-31vStandaloneNumber of employees
Employees923at 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 · 67
SegmentItemPeriodValue
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2025-04-01 → 2025-09-30¥8m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2025-04-01 → 2025-09-30¥10m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2025-04-01 → 2025-09-30¥223m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2025-04-01 → 2025-09-30¥385m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2025-09-30¥3.0bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2025-04-01 → 2025-09-30¥10m
Reconciling Itemsreconcilingrevenue intersegment2025-04-01 → 2025-09-30−¥907m
Reconciling Itemsreconcilingsegment assetsat 2025-09-30−¥11.8bn
Reconciling Itemsreconcilingsegment ordinary income2025-04-01 → 2025-09-30−¥203m
Bankingreportable segmentcapex2025-04-01 → 2025-09-30¥595m
Bankingreportable segmentdepreciation2025-04-01 → 2025-09-30¥674m
Bankingreportable segmentrevenue external2025-04-01 → 2025-09-30¥12.8bn
Bankingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥316m
Bankingreportable segmentsegment assetsat 2025-09-30¥1.78T
Bankingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥2.1bn
Leasing And Credit Cardreportable segmentcapex2025-04-01 → 2025-09-30¥5m
Leasing And Credit Cardreportable segmentdepreciation2025-04-01 → 2025-09-30¥77m
Leasing And Credit Cardreportable segmentrevenue external2025-04-01 → 2025-09-30¥3.1bn
Leasing And Credit Cardreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥206m
Leasing And Credit Cardreportable segmentsegment assetsat 2025-09-30¥18.4bn
Leasing And Credit Cardreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥87m
—segment totalcapex2025-04-01 → 2025-09-30¥600m
—segment totaldepreciation2025-04-01 → 2025-09-30¥751m
—segment totalrevenue external2025-04-01 → 2025-09-30¥15.9bn
—segment totalrevenue intersegment2025-04-01 → 2025-09-30¥522m
—segment totalsegment assetsat 2025-09-30¥1.80T
—segment totalsegment ordinary income2025-04-01 → 2025-09-30¥2.2bn
Total Of Reportable Segments And Otherssegment totalcapex2025-04-01 → 2025-09-30¥608m
Total Of Reportable Segments And Otherssegment totaldepreciation2025-04-01 → 2025-09-30¥762m
Total Of Reportable Segments And Otherssegment totalrevenue external2025-04-01 → 2025-09-30¥16.2bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2025-04-01 → 2025-09-30¥907m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-09-30¥1.80T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2025-04-01 → 2025-09-30¥2.2bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2024-04-01 → 2024-09-30¥30m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2024-04-01 → 2024-09-30¥8m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2024-04-01 → 2024-09-30¥218m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2024-04-01 → 2024-09-30¥394m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2024-09-30¥3.1bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2024-04-01 → 2024-09-30¥84m
Reconciling Itemsreconcilingrevenue external2024-04-01 → 2024-09-30−¥75m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2024-09-30−¥975m
Reconciling Itemsreconcilingsegment assetsat 2024-09-30−¥12.4bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2024-09-30−¥253m
Bankingreportable segmentcapex2024-04-01 → 2024-09-30¥1.9bn
Bankingreportable segmentdepreciation2024-04-01 → 2024-09-30¥608m
Bankingreportable segmentrevenue external2024-04-01 → 2024-09-30¥11.2bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥373m
Bankingreportable segmentsegment assetsat 2024-09-30¥1.77T
Bankingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥1.5bn
Leasing And Credit Cardreportable segmentcapex2024-04-01 → 2024-09-30¥9m
Leasing And Credit Cardreportable segmentdepreciation2024-04-01 → 2024-09-30¥70m
Leasing And Credit Cardreportable segmentrevenue external2024-04-01 → 2024-09-30¥3.2bn
Leasing And Credit Cardreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥207m
Leasing And Credit Cardreportable segmentsegment assetsat 2024-09-30¥19.8bn
Leasing And Credit Cardreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥94m
—segment totalcapex2024-04-01 → 2024-09-30¥1.9bn
—segment totaldepreciation2024-04-01 → 2024-09-30¥679m
—segment totalrevenue external2024-04-01 → 2024-09-30¥14.5bn
—segment totalrevenue intersegment2024-04-01 → 2024-09-30¥581m
—segment totalsegment assetsat 2024-09-30¥1.79T
—segment totalsegment ordinary income2024-04-01 → 2024-09-30¥1.6bn
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2024-09-30¥2.0bn
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2024-09-30¥687m
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2024-09-30¥14.7bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2024-09-30¥975m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-09-30¥1.79T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2024-09-30¥1.7bn

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

All source rows · 1,144
ItemContextValueUnit
Number of employeesPrior1InterimInstant_NonConsolidatedMember901
Number of employeesInterimInstant_NonConsolidatedMember873
Number of employeesPrior2YearInstant_NonConsolidatedMember893
Number of employeesPrior1YearInstant_NonConsolidatedMember867
Average number of temporary workersPrior2InterimInstant_NonConsolidatedMember303
Average number of temporary workersPrior1InterimInstant_NonConsolidatedMember293
Average number of temporary workersInterimInstant_NonConsolidatedMember301
Average number of temporary workersPrior2YearInstant_NonConsolidatedMember298
Average number of temporary workersPrior1YearInstant_NonConsolidatedMember296
Number of issued shares as of fiscal year end issued shares total number of shares etcFilingDateInstant_OrdinaryShareMember11641318
Number of issued shares as of filing date issued shares total number of shares etcFilingDateInstant_OrdinaryShareMember11641318
Number of issued shares as of fiscal year end issued shares total number of shares etcFilingDateInstant11641318
Number of issued shares as of filing date issued shares total number of shares etcFilingDateInstant11641318
Number of shares heldInterimInstant_No1MajorShareholdersMember996200
Shareholding ratioInterimInstant_No1MajorShareholdersMember0.0864
Number of shares heldInterimInstant_No2MajorShareholdersMember666000
Shareholding ratioInterimInstant_No2MajorShareholdersMember0.0578
Number of shares heldInterimInstant_No3MajorShareholdersMember527778
Shareholding ratioInterimInstant_No3MajorShareholdersMember0.0458
Number of shares heldInterimInstant_No4MajorShareholdersMember501224
Shareholding ratioInterimInstant_No4MajorShareholdersMember0.0435
Number of shares heldInterimInstant_No5MajorShareholdersMember300000
Shareholding ratioInterimInstant_No5MajorShareholdersMember0.0260
Number of shares heldInterimInstant_No6MajorShareholdersMember297000
Shareholding ratioInterimInstant_No6MajorShareholdersMember0.0257
Number of shares heldInterimInstant_No7MajorShareholdersMember285300
Shareholding ratioInterimInstant_No7MajorShareholdersMember0.0247
Number of shares heldInterimInstant_No8MajorShareholdersMember223000
Shareholding ratioInterimInstant_No8MajorShareholdersMember0.0193
Number of shares heldInterimInstant_No9MajorShareholdersMember170300
Shareholding ratioInterimInstant_No9MajorShareholdersMember0.0147
Number of shares heldInterimInstant_No10MajorShareholdersMember155500
Shareholding ratioInterimInstant_No10MajorShareholdersMember0.0134
Number of shares heldInterimInstant4122302
Shareholding ratioInterimInstant0.3578
Number of shares issued shares voting rightsInterimInstant_SharesWithNoVotingRightsMember-
Number of shares issued shares voting rightsInterimInstant_SharesWithRestrictedVotingRightsTreasurySharesEtcMember-
Number of shares issued shares voting rightsInterimInstant_SharesWithRestrictedVotingRightsOtherMember-
Number of voting rights issued shares voting rightsInterimInstant_SharesWithRestrictedVotingRightsOtherMember-
Number of shares issued shares voting rightsInterimInstant_OrdinarySharesTreasurySharesSharesWithFullVotingRightsTreasurySharesEtcMember122500
Number of shares issued shares voting rightsInterimInstant_OrdinarySharesSharesWithFullVotingRightsOtherMember11468300
Number of voting rights issued shares voting rightsInterimInstant_OrdinarySharesSharesWithFullVotingRightsOtherMember114683
Number of shares issued shares voting rightsInterimInstant_OrdinarySharesSharesLessThanOneUnitMember50518
Number of shares issued shares voting rightsInterimInstant11641318
Number of voting rights issued shares voting rightsInterimInstant114683
Number of shares held in own name treasury shares etcInterimInstant_Row1Member122500
Number of shares held in others names treasury shares etcInterimInstant_Row1Member-
Total number of shares held treasury shares etcInterimInstant_Row1Member122500
Shareholding ratio treasury shares etcInterimInstant_Row1Member0.0105
Number of shares held in own name treasury shares etcInterimInstant122500

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 · 23 of 23 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 · 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