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Half-year report · HY

8410.TEDINET S100X3PA
Period2025-04-01 → 2025-09-30
Filed2025-11-14
StandardJapan GAAP
ConsolidatedYes
Data checks23 of 23 passed
Key figures · 115
MetricValuePeriodScopeSource row
Ordinary income¥14.8bn2025-04-01 → 2025-09-30Cons.Ordinary income
Ordinary income¥30.3bn2024-04-01 → 2025-03-31Cons.Ordinary income loss (5-year summary)
Ordinary income¥16.8bn2024-04-01 → 2024-09-30Cons.Ordinary income
Ordinary income¥30.5bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥16.4bn2023-04-01 → 2023-09-30dCons.Ordinary income loss (5-year summary)
Profit before tax¥14.5bn2025-04-01 → 2025-09-30Cons.Income before income taxes
Profit before tax¥16.3bn2024-04-01 → 2024-09-30Cons.Income before income taxes
Net income (owners)¥10.0bn2025-04-01 → 2025-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥18.2bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥10.9bn2024-04-01 → 2024-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥32.0bn2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥32.6bn2023-04-01 → 2023-09-30dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥10.0bn2025-04-01 → 2025-09-30Cons.Profit loss
Net income¥10.9bn2024-04-01 → 2024-09-30Cons.Profit loss
Total assets¥1.43Tat 2025-09-30Cons.Assets
Total assets¥1.50Tat 2025-03-31Cons.Assets
Total assets¥1.57Tat 2024-09-30Cons.Assets
Total assets¥1.72Tat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥1.79Tat 2023-09-30dCons.Total assets (5-year summary)
Total liabilities¥1.20Tat 2025-09-30Cons.Liabilities
Total liabilities¥1.21Tat 2025-03-31Cons.Liabilities
Net assets / equity¥233.3bnat 2025-09-30Cons.Net assets
Net assets / equity¥282.5bnat 2025-03-31Cons.Net assets
Net assets / equity¥282.0bnat 2024-09-30Cons.Net assets
Net assets / equity¥275.9bnat 2024-03-31vCons.Net assets
Net assets / equity¥284.3bnat 2023-09-30dCons.Net assets (5-year summary)
Cash & equivalents¥827.4bnat 2025-09-30Cons.Cash and cash equivalents
Cash & equivalents¥892.6bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥933.5bnat 2024-09-30Cons.Cash and cash equivalents
Cash & equivalents¥988.7bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥1.10Tat 2023-09-30dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥7.7bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in operating activities
Operating cash flow−¥38.9bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥20.7bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥100.8bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥186.7bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥13.2bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥46.7bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥30.7bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥51.9bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥31.6bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥57.3bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥12.7bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥6.4bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥12.1bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥4.8bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥9.352025-04-01 → 2025-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥15.572024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥9.352024-04-01 → 2024-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥27.252023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥27.762023-04-01 → 2023-09-30dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥234at 2025-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥236.93at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥236.52at 2024-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥231.24at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥238.15at 2023-09-30dCons.Net assets per share (5-year summary)
Equity ratio16.0%at 2025-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio18.5%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio17.6%at 2024-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio15.7%at 2024-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio15.6%at 2023-09-30dCons.Equity to asset ratio (5-year summary)
Employees1,396at 2025-09-30Cons.Number of employees
Employees1,398at 2025-03-31Cons.Number of employees
Employees1,344at 2024-09-30Cons.Number of employees
Employees1,301at 2024-03-31vCons.Number of employees
Employees1,266at 2023-09-30dCons.Number of employees
Ordinary income¥14.0bn2025-04-01 → 2025-09-30StandaloneOrdinary income
Ordinary income¥27.3bn2024-04-01 → 2025-03-31StandaloneOrdinary income loss (5-year summary)
Ordinary income¥17.1bn2024-04-01 → 2024-09-30StandaloneOrdinary income
Ordinary income¥29.1bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥16.9bn2023-04-01 → 2023-09-30dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥13.9bn2025-04-01 → 2025-09-30StandaloneIncome before income taxes
Profit before tax¥16.9bn2024-04-01 → 2024-09-30StandaloneIncome before income taxes
Net income¥9.6bn2025-04-01 → 2025-09-30StandaloneProfit loss
Net income¥17.7bn2024-04-01 → 2025-03-31StandaloneNet income loss (5-year summary)
Net income¥11.7bn2024-04-01 → 2024-09-30StandaloneProfit loss
Net income¥19.3bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥11.5bn2023-04-01 → 2023-09-30dStandaloneNet income loss (5-year summary)
Total assets¥1.28Tat 2025-09-30StandaloneAssets
Total assets¥1.33Tat 2025-03-31StandaloneAssets
Total assets¥1.40Tat 2024-09-30StandaloneTotal assets (5-year summary)
Total assets¥1.54Tat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥1.57Tat 2023-09-30dStandaloneTotal assets (5-year summary)
Total liabilities¥1.07Tat 2025-09-30StandaloneLiabilities
Total liabilities¥1.07Tat 2025-03-31StandaloneLiabilities
Net assets / equity¥205.2bnat 2025-09-30StandaloneNet assets
Net assets / equity¥252.5bnat 2025-03-31StandaloneNet assets
Net assets / equity¥253.1bnat 2024-09-30StandaloneNet assets
Net assets / equity¥248.3bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥248.2bnat 2023-09-30dStandaloneNet assets (5-year summary)
EPS (basic)¥9.022025-04-01 → 2025-09-30StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥15.092024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥10.032024-04-01 → 2024-09-30StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥16.472023-04-01 → 2024-03-31vStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥9.762023-04-01 → 2023-09-30dStandaloneBasic earnings loss per share (5-year summary)
Dividend per share¥5.52025-04-01 → 2025-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥112024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥5.52024-04-01 → 2024-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥112023-04-01 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥5.52023-04-01 → 2023-09-30dStandaloneDividend paid per share (5-year summary)
Equity ratio16.1%at 2025-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio19.0%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio18.1%at 2024-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio16.2%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio15.8%at 2023-09-30dStandaloneEquity to asset ratio (5-year summary)
Shares issued1,179,308,000at 2025-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued1,179,308,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued1,179,308,000at 2024-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued1,179,308,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued1,179,308,000at 2023-09-30dStandaloneTotal number of issued shares (5-year summary)
Employees715at 2025-09-30StandaloneNumber of employees
Employees703at 2025-03-31StandaloneNumber of employees
Employees666at 2024-09-30StandaloneNumber of employees
Employees614at 2024-03-31vStandaloneNumber of employees
Employees589at 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 · 54
SegmentItemPeriodValue
Reconciling Itemsreconcilingrevenue external2025-04-01 → 2025-09-30¥0
Reconciling Itemsreconcilingrevenue intersegment2025-04-01 → 2025-09-30−¥491m
Reconciling Itemsreconcilingsegment assetsat 2025-09-30−¥76.3bn
Reconciling Itemsreconcilingsegment ordinary income2025-04-01 → 2025-09-30−¥22m
Credit Card And Electronic Money Buisinessreportable segmentcapex2025-04-01 → 2025-09-30¥412m
Credit Card And Electronic Money Buisinessreportable segmentdepreciation2025-04-01 → 2025-09-30¥1.2bn
Credit Card And Electronic Money Buisinessreportable segmentrevenue external2025-04-01 → 2025-09-30¥13.9bn
Credit Card And Electronic Money Buisinessreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥48m
Credit Card And Electronic Money Buisinessreportable segmentsegment assetsat 2025-09-30¥201.4bn
Credit Card And Electronic Money Buisinessreportable segmentsegment ordinary income2025-04-01 → 2025-09-30−¥849m
Domestic Business Banking Business Otherreportable segmentcapex2025-04-01 → 2025-09-30¥9.0bn
Domestic Business Banking Business Otherreportable segmentdepreciation2025-04-01 → 2025-09-30¥12.6bn
Domestic Business Banking Business Otherreportable segmentrevenue external2025-04-01 → 2025-09-30¥72.3bn
Domestic Business Banking Business Otherreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥442m
Domestic Business Banking Business Otherreportable segmentsegment assetsat 2025-09-30¥1.26T
Domestic Business Banking Business Otherreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥14.1bn
Overseas Businessreportable segmentcapex2025-04-01 → 2025-09-30¥1.1bn
Overseas Businessreportable segmentdepreciation2025-04-01 → 2025-09-30¥1.9bn
Overseas Businessreportable segmentrevenue external2025-04-01 → 2025-09-30¥21.4bn
Overseas Businessreportable segmentsegment assetsat 2025-09-30¥45.5bn
Overseas Businessreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥1.6bn
Total Of Reportable Segments And Otherssegment totalcapex2025-04-01 → 2025-09-30¥10.6bn
Total Of Reportable Segments And Otherssegment totaldepreciation2025-04-01 → 2025-09-30¥15.7bn
Total Of Reportable Segments And Otherssegment totalrevenue external2025-04-01 → 2025-09-30¥107.6bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2025-04-01 → 2025-09-30¥491m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-09-30¥1.51T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2025-04-01 → 2025-09-30¥14.8bn
Reconciling Itemsreconcilingrevenue external2024-04-01 → 2024-09-30−¥128m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2024-09-30−¥352m
Reconciling Itemsreconcilingsegment assetsat 2024-09-30−¥80.5bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2024-09-30−¥3m
Credit Card And Electronic Money Buisinessreportable segmentcapex2024-04-01 → 2024-09-30¥1.4bn
Credit Card And Electronic Money Buisinessreportable segmentdepreciation2024-04-01 → 2024-09-30¥1.0bn
Credit Card And Electronic Money Buisinessreportable segmentrevenue external2024-04-01 → 2024-09-30¥14.8bn
Credit Card And Electronic Money Buisinessreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥12m
Credit Card And Electronic Money Buisinessreportable segmentsegment assetsat 2024-09-30¥214.0bn
Credit Card And Electronic Money Buisinessreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥928m
Domestic Business Banking Business Otherreportable segmentcapex2024-04-01 → 2024-09-30¥17.7bn
Domestic Business Banking Business Otherreportable segmentdepreciation2024-04-01 → 2024-09-30¥11.0bn
Domestic Business Banking Business Otherreportable segmentrevenue external2024-04-01 → 2024-09-30¥70.4bn
Domestic Business Banking Business Otherreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥339m
Domestic Business Banking Business Otherreportable segmentsegment assetsat 2024-09-30¥1.38T
Domestic Business Banking Business Otherreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥16.9bn
Overseas Businessreportable segmentcapex2024-04-01 → 2024-09-30¥2.3bn
Overseas Businessreportable segmentdepreciation2024-04-01 → 2024-09-30¥1.8bn
Overseas Businessreportable segmentrevenue external2024-04-01 → 2024-09-30¥21.2bn
Overseas Businessreportable segmentsegment assetsat 2024-09-30¥51.8bn
Overseas Businessreportable segmentsegment ordinary income2024-04-01 → 2024-09-30−¥1.1bn
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2024-09-30¥21.5bn
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2024-09-30¥13.8bn
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2024-09-30¥106.4bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2024-09-30¥352m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-09-30¥1.65T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2024-09-30¥16.8bn

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

All source rows · 1,183
ItemContextValueUnit
Interest on loans and discounts oibnkInterimDuration5910000000JPY
Interest and dividends on securities oibnkPrior1InterimDuration222000000JPY
Interest and dividends on securities oibnkInterimDuration767000000JPY
Fees and commissions oibnkPrior1InterimDuration98328000000JPY
Fees and commissions oibnkInterimDuration98682000000JPY
Atm related fee income oibnkPrior1InterimDuration78024000000JPY
Atm related fee income oibnkInterimDuration78720000000JPY
Credit card operating income oibnkPrior1InterimDuration6143000000JPY
Credit card operating income oibnkInterimDuration5828000000JPY
Electronic money operating income oibnkPrior1InterimDuration6206000000JPY
Electronic money operating income oibnkInterimDuration5613000000JPY
Other ordinary income oibnkPrior1InterimDuration185000000JPY
Other ordinary income oibnkInterimDuration87000000JPY
Other income oibnkPrior1InterimDuration2517000000JPY
Other income oibnkInterimDuration1274000000JPY
Ordinary expenses bnkPrior1InterimDuration89531000000JPY
Ordinary expenses bnkInterimDuration92737000000JPY
Interest expenses oebnkPrior1InterimDuration885000000JPY
Interest expenses oebnkInterimDuration1457000000JPY
Interest on deposits oebnkPrior1InterimDuration126000000JPY
Interest on deposits oebnkInterimDuration736000000JPY
Fees and commissions payments oebnkPrior1InterimDuration28303000000JPY
Fees and commissions payments oebnkInterimDuration26955000000JPY
Atm placement fee expenses oebnkPrior1InterimDuration16241000000JPY
Atm placement fee expenses oebnkInterimDuration15065000000JPY
Atm related fee expenses oebnkPrior1InterimDuration4990000000JPY
Atm related fee expenses oebnkInterimDuration4331000000JPY
Credit card operating expense oebnkPrior1InterimDuration2778000000JPY
Credit card operating expense oebnkInterimDuration2884000000JPY
Electronic money operating expense oebnkPrior1InterimDuration446000000JPY
Electronic money operating expense oebnkInterimDuration395000000JPY
Other ordinary expenses oebnkPrior1InterimDuration－JPY
Other ordinary expenses oebnkInterimDuration84000000JPY
General and administrative expenses oebnkPrior1InterimDuration58473000000JPY
General and administrative expenses oebnkInterimDuration61361000000JPY
Other expenses oebnkPrior1InterimDuration1869000000JPY
Other expenses oebnkInterimDuration2880000000JPY
Ordinary incomePrior1InterimDuration16751000000JPY
Ordinary incomeInterimDuration14814000000JPY
Extraordinary incomePrior1InterimDuration76000000JPY
Extraordinary incomeInterimDuration0JPY
Gain on disposal of noncurrent assets eiPrior1InterimDuration－JPY
Gain on disposal of noncurrent assets eiInterimDuration0JPY
Gain on change in equity eiPrior1InterimDuration76000000JPY
Gain on change in equity eiInterimDuration－JPY
Extraordinary lossPrior1InterimDuration567000000JPY
Extraordinary lossInterimDuration307000000JPY
Loss on disposal of noncurrent assets elPrior1InterimDuration315000000JPY
Loss on disposal of noncurrent assets elInterimDuration140000000JPY
Impairment loss elPrior1InterimDuration252000000JPY

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
balance sheet identitynon_consolidated 2025-03-31pass rounding
balance sheet identitynon_consolidated 2025-09-30pass
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