Half-year report · HY
8515.TEDINET S100X0CM
Period2025-04-01 → 2025-09-30
Filed2025-11-13
StandardJapan GAAP
ConsolidatedYes
Data checks14 of 14 passed
Key figures · 44
| Metric | Value | Period | Scope | Source row |
|---|---|---|---|---|
| Revenue | ¥104.5bn | 2025-04-01 → 2025-09-30 | Cons. | Operating revenue1 |
| Revenue | ¥189.1bn | 2024-04-01 → 2025-03-31 | Cons. | Operating revenue1 (5-year summary) |
| Revenue | ¥91.3bn | 2024-04-01 → 2024-09-30 | Cons. | Operating revenue1 |
| Operating income | ¥16.7bn | 2025-04-01 → 2025-09-30 | Cons. | Operating income |
| Operating income | ¥9.0bn | 2024-04-01 → 2024-09-30 | Cons. | Operating income |
| Ordinary income | ¥16.5bn | 2025-04-01 → 2025-09-30 | Cons. | Ordinary income |
| Ordinary income | ¥26.8bn | 2024-04-01 → 2025-03-31 | Cons. | Ordinary income loss (5-year summary) |
| Ordinary income | ¥9.7bn | 2024-04-01 → 2024-09-30 | Cons. | Ordinary income |
| Profit before tax | ¥16.3bn | 2025-04-01 → 2025-09-30 | Cons. | Income before income taxes |
| Profit before tax | ¥8.1bn | 2024-04-01 → 2024-09-30 | Cons. | Income before income taxes |
| Net income (owners) | ¥12.7bn | 2025-04-01 → 2025-09-30 | Cons. | Profit loss attributable to owners of parent |
| Net income (owners) | ¥22.5bn | 2024-04-01 → 2025-03-31 | Cons. | Profit loss attributable to owners of parent (5-year summary) |
| Net income (owners) | ¥7.2bn | 2024-04-01 → 2024-09-30 | Cons. | Profit loss attributable to owners of parent |
| Net income | ¥12.6bn | 2025-04-01 → 2025-09-30 | Cons. | Profit loss |
| Net income | ¥6.9bn | 2024-04-01 → 2024-09-30 | Cons. | Profit loss |
| Total assets | ¥1.52T | at 2025-09-30 | Cons. | Assets |
| Total assets | ¥1.45T | at 2025-03-31 | Cons. | Assets |
| Total assets | ¥1.33T | at 2024-09-30 | Cons. | Total assets (5-year summary) |
| Total liabilities | ¥1.29T | at 2025-09-30 | Cons. | Liabilities |
| Total liabilities | ¥1.23T | at 2025-03-31 | Cons. | Liabilities |
| Net assets / equity | ¥233.0bn | at 2025-09-30 | Cons. | Net assets |
| Net assets / equity | ¥221.4bn | at 2025-03-31 | Cons. | Net assets |
| Net assets / equity | ¥206.1bn | at 2024-09-30 | Cons. | Net assets (5-year summary) |
| Cash and deposits | ¥44.3bn | at 2025-09-30 | Cons. | Cash and deposits |
| Cash and deposits | ¥60.6bn | at 2025-03-31 | Cons. | Cash and deposits |
| Cash & equivalents | ¥44.2bn | at 2025-09-30 | Cons. | Cash and cash equivalents |
| Cash & equivalents | ¥55.9bn | at 2025-03-31 | Cons. | Cash and cash equivalents |
| Cash & equivalents | ¥43.9bn | at 2024-09-30 | Cons. | Cash and cash equivalents |
| Cash & equivalents | ¥51.9bn | at 2024-03-31v | Cons. | Cash and cash equivalents |
| Operating cash flow | −¥35.6bn | 2025-04-01 → 2025-09-30 | Cons. | Net cash provided by used in operating activities |
| Operating cash flow | −¥82.9bn | 2024-04-01 → 2025-03-31 | Cons. | Net cash provided by used in operating activities (5-year summary) |
| Operating cash flow | −¥51.5bn | 2024-04-01 → 2024-09-30 | Cons. | Net cash provided by used in operating activities |
| Investing cash flow | −¥634m | 2025-04-01 → 2025-09-30 | Cons. | Net cash provided by used in investment activities |
| Investing cash flow | −¥35.1bn | 2024-04-01 → 2025-03-31 | Cons. | Net cash provided by used in investing activities (5-year summary) |
| Investing cash flow | −¥13.1bn | 2024-04-01 → 2024-09-30 | Cons. | Net cash provided by used in investment activities |
| Financing cash flow | ¥23.8bn | 2025-04-01 → 2025-09-30 | Cons. | Net cash provided by used in financing activities |
| Financing cash flow | ¥119.8bn | 2024-04-01 → 2025-03-31 | Cons. | Net cash provided by used in financing activities (5-year summary) |
| Financing cash flow | ¥54.4bn | 2024-04-01 → 2024-09-30 | Cons. | Net cash provided by used in financing activities |
| EPS (basic) | ¥26.44 | 2025-04-01 → 2025-09-30 | Cons. | Basic earnings loss per share (5-year summary) |
| EPS (basic) | ¥46.91 | 2024-04-01 → 2025-03-31 | Cons. | Basic earnings loss per share (5-year summary) |
| EPS (basic) | ¥14.94 | 2024-04-01 → 2024-09-30 | Cons. | Basic earnings loss per share (5-year summary) |
| Equity ratio | 15.1% | at 2025-09-30 | Cons. | Equity to asset ratio (5-year summary) |
| Equity ratio | 15.0% | at 2025-03-31 | Cons. | Equity to asset ratio (5-year summary) |
| Equity ratio | 15.2% | at 2024-09-30 | Cons. | Equity to asset ratio (5-year summary) |
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 · 30
| Segment | Item | Period | Value |
|---|---|---|---|
| Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segments | revenue | 2025-04-01 → 2025-09-30 | ¥25.8bn |
| Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segments | revenue external | 2025-04-01 → 2025-09-30 | ¥25.7bn |
| Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segments | revenue intersegment | 2025-04-01 → 2025-09-30 | ¥91m |
| Aifulreportable segment | revenue | 2025-04-01 → 2025-09-30 | ¥59.4bn |
| Aifulreportable segment | revenue external | 2025-04-01 → 2025-09-30 | ¥59.3bn |
| Aifulreportable segment | revenue intersegment | 2025-04-01 → 2025-09-30 | ¥26m |
| Life Cardreportable segment | revenue | 2025-04-01 → 2025-09-30 | ¥19.6bn |
| Life Cardreportable segment | revenue external | 2025-04-01 → 2025-09-30 | ¥19.4bn |
| Life Cardreportable segment | revenue intersegment | 2025-04-01 → 2025-09-30 | ¥186m |
| —segment total | revenue | 2025-04-01 → 2025-09-30 | ¥78.9bn |
| —segment total | revenue external | 2025-04-01 → 2025-09-30 | ¥78.7bn |
| —segment total | revenue intersegment | 2025-04-01 → 2025-09-30 | ¥213m |
| Total Of Reportable Segments And Otherssegment total | revenue | 2025-04-01 → 2025-09-30 | ¥104.8bn |
| Total Of Reportable Segments And Otherssegment total | revenue external | 2025-04-01 → 2025-09-30 | ¥104.5bn |
| Total Of Reportable Segments And Otherssegment total | revenue intersegment | 2025-04-01 → 2025-09-30 | ¥305m |
| Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segments | revenue | 2024-04-01 → 2024-09-30 | ¥19.1bn |
| Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segments | revenue external | 2024-04-01 → 2024-09-30 | ¥19.0bn |
| Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segments | revenue intersegment | 2024-04-01 → 2024-09-30 | ¥29m |
| Aifulreportable segment | revenue | 2024-04-01 → 2024-09-30 | ¥53.4bn |
| Aifulreportable segment | revenue external | 2024-04-01 → 2024-09-30 | ¥53.4bn |
| Aifulreportable segment | revenue intersegment | 2024-04-01 → 2024-09-30 | ¥14m |
| Life Cardreportable segment | revenue | 2024-04-01 → 2024-09-30 | ¥19.0bn |
| Life Cardreportable segment | revenue external | 2024-04-01 → 2024-09-30 | ¥18.8bn |
| Life Cardreportable segment | revenue intersegment | 2024-04-01 → 2024-09-30 | ¥175m |
| —segment total | revenue | 2024-04-01 → 2024-09-30 | ¥72.4bn |
| —segment total | revenue external | 2024-04-01 → 2024-09-30 | ¥72.3bn |
| —segment total | revenue intersegment | 2024-04-01 → 2024-09-30 | ¥190m |
| Total Of Reportable Segments And Otherssegment total | revenue | 2024-04-01 → 2024-09-30 | ¥91.5bn |
| Total Of Reportable Segments And Otherssegment total | revenue external | 2024-04-01 → 2024-09-30 | ¥91.3bn |
| Total Of Reportable Segments And Otherssegment total | revenue intersegment | 2024-04-01 → 2024-09-30 | ¥219m |
Segment names come from EDINET member IDs; not yet mapped to a common taxonomy.
All source rows · 567
| Item | Context | Value | Unit |
|---|---|---|---|
| Net defined benefit liability | Prior1YearInstant | 75000000 | JPY |
| Net defined benefit liability | InterimInstant | 111000000 | JPY |
| Deferred tax liabilities | Prior1YearInstant | 343000000 | JPY |
| Deferred tax liabilities | InterimInstant | 474000000 | JPY |
| Provision for loss on interest repayment ncl | Prior1YearInstant | 8772000000 | JPY |
| Provision for loss on interest repayment ncl | InterimInstant | 7496000000 | JPY |
| Provision for directors retirement benefits | Prior1YearInstant | － | JPY |
| Provision for directors retirement benefits | InterimInstant | 41000000 | JPY |
| Reserve for contract of insurance | Prior1YearInstant | 1868000000 | JPY |
| Reserve for contract of insurance | InterimInstant | 1798000000 | JPY |
| Other ncl | Prior1YearInstant | 6732000000 | JPY |
| Other ncl | InterimInstant | 5931000000 | JPY |
| Noncurrent liabilities | Prior1YearInstant | 437584000000 | JPY |
| Noncurrent liabilities | InterimInstant | 437150000000 | JPY |
| Liabilities | Prior1YearInstant | 1227054000000 | JPY |
| Liabilities | InterimInstant | 1287834000000 | JPY |
| Capital stock | Prior1YearInstant | 94028000000 | JPY |
| Capital stock | InterimInstant | 94028000000 | JPY |
| Capital surplus | Prior1YearInstant | 14017000000 | JPY |
| Capital surplus | InterimInstant | 14017000000 | JPY |
| Retained earnings | Prior1YearInstant | 112319000000 | JPY |
| Retained earnings | InterimInstant | 124214000000 | JPY |
| Treasury stock | Prior1YearInstant | -4541000000 | JPY |
| Treasury stock | InterimInstant | -4410000000 | JPY |
| Shareholders equity | Prior1YearInstant | 215824000000 | JPY |
| Shareholders equity | InterimInstant | 227850000000 | JPY |
| Valuation difference on available for sale securities | Prior1YearInstant | 813000000 | JPY |
| Valuation difference on available for sale securities | InterimInstant | 786000000 | JPY |
| Foreign currency translation adjustment | Prior1YearInstant | 1285000000 | JPY |
| Foreign currency translation adjustment | InterimInstant | 1137000000 | JPY |
| Valuation and translation adjustments | Prior1YearInstant | 2098000000 | JPY |
| Valuation and translation adjustments | InterimInstant | 1924000000 | JPY |
| Non controlling interests | Prior1YearInstant | 3473000000 | JPY |
| Non controlling interests | InterimInstant | 3269000000 | JPY |
| Net assets | Prior1YearInstant | 221396000000 | JPY |
| Net assets | InterimInstant | 233043000000 | JPY |
| Liabilities and net assets | Prior1YearInstant | 1448451000000 | JPY |
| Liabilities and net assets | InterimInstant | 1520877000000 | JPY |
| Interest on operating loans spf | Prior1InterimDuration | 51819000000 | JPY |
| Interest on operating loans spf | InterimDuration | 57811000000 | JPY |
| Credit card revenue rev oa | Prior1InterimDuration | 11133000000 | JPY |
| Credit card revenue rev oa | InterimDuration | 11513000000 | JPY |
| Per item revenue rev oa | Prior1InterimDuration | 3369000000 | JPY |
| Per item revenue rev oa | InterimDuration | 4362000000 | JPY |
| Revenue from credit guarantee rev oa | Prior1InterimDuration | 10420000000 | JPY |
| Revenue from credit guarantee rev oa | InterimDuration | 11693000000 | JPY |
| Other financial revenue rev oa | Prior1InterimDuration | 9000000 | JPY |
| Other financial revenue rev oa | InterimDuration | 33000000 | JPY |
| Insurance revenue rev oa | Prior1InterimDuration | 2285000000 | JPY |
| Insurance revenue rev oa | InterimDuration | 3305000000 | JPY |
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 · 14 of 14 passed
| balance sheet identity | pass rounding |
| balance sheet identity | pass |
| dei present | pass |
| period resolution | pass |
| statement vs summary · net assets | pass |
| statement vs summary · net assets | pass |
| statement vs summary · net income attributable to parent | pass |
| statement vs summary · net income attributable to parent | pass |
| statement vs summary · operating cash flow | pass |
| statement vs summary · operating cash flow | pass |
| statement vs summary · revenue | pass |
| statement vs summary · revenue | pass |
| statement vs summary · total assets | pass |
| statement vs summary · total assets | pass |