Half-year report · HY

Period2025-04-01 → 2025-09-30
Filed2025-11-27
StandardJapan GAAP
ConsolidatedYes
Data checks22 of 22 passed
Key figures · 110
MetricValuePeriodScopeSource row
Ordinary income¥12.7bn2025-04-01 → 2025-09-30Cons.Ordinary income
Ordinary income¥20.9bn2024-04-01 → 2025-03-31Cons.Ordinary income loss (5-year summary)
Ordinary income¥10.3bn2024-04-01 → 2024-09-30Cons.Ordinary income
Ordinary income¥14.5bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥6.3bn2023-04-01 → 2023-09-30dCons.Ordinary income loss (5-year summary)
Profit before tax¥13.0bn2025-04-01 → 2025-09-30Cons.Income before income taxes
Profit before tax¥10.2bn2024-04-01 → 2024-09-30Cons.Income before income taxes
Net income (owners)¥9.1bn2025-04-01 → 2025-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥14.7bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥7.5bn2024-04-01 → 2024-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥10.0bn2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥4.5bn2023-04-01 → 2023-09-30dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥9.1bn2025-04-01 → 2025-09-30Cons.Profit loss
Net income¥7.5bn2024-04-01 → 2024-09-30Cons.Profit loss
Total assets¥6.10Tat 2025-09-30Cons.Assets
Total assets¥5.77Tat 2025-03-31Cons.Assets
Total assets¥5.64Tat 2024-09-30Cons.Total assets (5-year summary)
Total assets¥5.43Tat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥5.27Tat 2023-09-30dCons.Total assets (5-year summary)
Total liabilities¥5.80Tat 2025-09-30Cons.Liabilities
Total liabilities¥5.49Tat 2025-03-31Cons.Liabilities
Net assets / equity¥297.4bnat 2025-09-30Cons.Net assets
Net assets / equity¥276.5bnat 2025-03-31Cons.Net assets
Net assets / equity¥278.7bnat 2024-09-30Cons.Net assets
Net assets / equity¥303.3bnat 2024-03-31vCons.Net assets
Net assets / equity¥261.3bnat 2023-09-30dCons.Net assets (5-year summary)
Cash & equivalents¥878.3bnat 2025-09-30Cons.Cash and cash equivalents
Cash & equivalents¥705.0bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥779.0bnat 2024-09-30Cons.Cash and cash equivalents
Cash & equivalents¥551.0bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥535.0bnat 2023-09-30dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥192.9bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥219.5bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥215.1bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥84.5bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥74.6bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥16.9bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥49.9bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥16.6bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in investment activities
Investing cash flow¥25.0bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥15.8bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥2.6bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥15.6bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥3.8bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥5.1bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥2.1bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥185.932025-04-01 → 2025-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥298.912024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥152.072024-04-01 → 2024-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥594.132023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥264.382023-04-01 → 2023-09-30dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥6,045.53at 2025-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥5,623.12at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥5,667.17at 2024-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥18,180.15at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥15,380.63at 2023-09-30dCons.Net assets per share (5-year summary)
Equity ratio4.9%at 2025-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio4.8%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio4.9%at 2024-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio5.6%at 2024-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio5.0%at 2023-09-30dCons.Equity to asset ratio (5-year summary)
Employees1,975at 2025-09-30Cons.Number of employees
Employees1,924at 2025-03-31Cons.Number of employees
Employees1,967at 2024-09-30Cons.Number of employees
Employees1,940at 2024-03-31vCons.Number of employees
Employees2,007at 2023-09-30dCons.Number of employees
Ordinary income¥12.9bn2025-04-01 → 2025-09-30StandaloneOrdinary income
Ordinary income¥19.9bn2024-04-01 → 2025-03-31StandaloneOrdinary income loss (5-year summary)
Ordinary income¥10.2bn2024-04-01 → 2024-09-30StandaloneOrdinary income
Ordinary income¥13.6bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥6.2bn2023-04-01 → 2023-09-30dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥13.2bn2025-04-01 → 2025-09-30StandaloneIncome before income taxes
Profit before tax¥10.1bn2024-04-01 → 2024-09-30StandaloneIncome before income taxes
Net income¥9.5bn2025-04-01 → 2025-09-30StandaloneProfit loss
Net income¥14.3bn2024-04-01 → 2025-03-31StandaloneNet income loss (5-year summary)
Net income¥7.7bn2024-04-01 → 2024-09-30StandaloneProfit loss
Net income¥9.7bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥4.7bn2023-04-01 → 2023-09-30dStandaloneNet income loss (5-year summary)
Total assets¥6.06Tat 2025-09-30StandaloneAssets
Total assets¥5.72Tat 2025-03-31StandaloneAssets
Total assets¥5.59Tat 2024-09-30StandaloneTotal assets (5-year summary)
Total assets¥5.38Tat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥5.23Tat 2023-09-30dStandaloneTotal assets (5-year summary)
Total liabilities¥5.77Tat 2025-09-30StandaloneLiabilities
Total liabilities¥5.46Tat 2025-03-31StandaloneLiabilities
Net assets / equity¥282.8bnat 2025-09-30StandaloneNet assets
Net assets / equity¥261.2bnat 2025-03-31StandaloneNet assets
Net assets / equity¥261.5bnat 2024-09-30StandaloneNet assets
Net assets / equity¥285.4bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥251.3bnat 2023-09-30dStandaloneNet assets (5-year summary)
Dividend per share¥1502025-04-01 → 2025-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥2702024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥1102024-04-01 → 2024-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥1802023-04-01 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥802023-04-01 → 2023-09-30dStandaloneDividend paid per share (5-year summary)
Equity ratio4.7%at 2025-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.6%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.7%at 2024-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio5.3%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio4.8%at 2023-09-30dStandaloneEquity to asset ratio (5-year summary)
Shares issued16,455,000at 2025-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued16,455,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued16,455,000at 2024-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued16,755,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued17,055,000at 2023-09-30dStandaloneTotal number of issued shares (5-year summary)
Employees1,740at 2025-09-30StandaloneNumber of employees
Employees1,687at 2025-03-31StandaloneNumber of employees
Employees1,729at 2024-09-30StandaloneNumber of employees
Employees1,705at 2024-03-31vStandaloneNumber of employees
Employees1,771at 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 · 71
SegmentItemPeriodValue
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2025-04-01 → 2025-09-30¥13m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2025-04-01 → 2025-09-30¥48m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2025-04-01 → 2025-09-30¥1.4bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2025-04-01 → 2025-09-30¥24m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2025-09-30¥2.8bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2025-04-01 → 2025-09-30−¥20m
Bankingreportable segmentcapex2025-04-01 → 2025-09-30¥931m
Bankingreportable segmentdepreciation2025-04-01 → 2025-09-30¥948m
Bankingreportable segmentrevenue external2025-04-01 → 2025-09-30¥46.6bn
Bankingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥1.1bn
Bankingreportable segmentsegment assetsat 2025-09-30¥6.06T
Bankingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥12.9bn
Credit Cardreportable segmentcapex2025-04-01 → 2025-09-30¥42m
Credit Cardreportable segmentdepreciation2025-04-01 → 2025-09-30¥7m
Credit Cardreportable segmentrevenue external2025-04-01 → 2025-09-30¥1.1bn
Credit Cardreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥108m
Credit Cardreportable segmentsegment assetsat 2025-09-30¥17.7bn
Credit Cardreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥325m
Leasingreportable segmentcapex2025-04-01 → 2025-09-30¥124m
Leasingreportable segmentdepreciation2025-04-01 → 2025-09-30¥228m
Leasingreportable segmentrevenue external2025-04-01 → 2025-09-30¥11.4bn
Leasingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥106m
Leasingreportable segmentsegment assetsat 2025-09-30¥65.4bn
Leasingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥320m
—segment totalcapex2025-04-01 → 2025-09-30¥1.1bn
—segment totaldepreciation2025-04-01 → 2025-09-30¥1.2bn
—segment totalrevenue external2025-04-01 → 2025-09-30¥59.0bn
—segment totalrevenue intersegment2025-04-01 → 2025-09-30¥1.3bn
—segment totalsegment assetsat 2025-09-30¥6.14T
—segment totalsegment ordinary income2025-04-01 → 2025-09-30¥13.6bn
Total Of Reportable Segments And Otherssegment totalcapex2025-04-01 → 2025-09-30¥1.1bn
Total Of Reportable Segments And Otherssegment totaldepreciation2025-04-01 → 2025-09-30¥1.2bn
Total Of Reportable Segments And Otherssegment totalrevenue external2025-04-01 → 2025-09-30¥60.4bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2025-04-01 → 2025-09-30¥1.3bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-09-30¥6.14T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2025-04-01 → 2025-09-30¥13.6bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2024-04-01 → 2024-09-30¥51m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2024-04-01 → 2024-09-30¥1.4bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2024-04-01 → 2024-09-30¥38m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2024-09-30¥2.7bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2024-04-01 → 2024-09-30−¥29m
Bankingreportable segmentcapex2024-04-01 → 2024-09-30¥103m
Bankingreportable segmentdepreciation2024-04-01 → 2024-09-30¥1.1bn
Bankingreportable segmentrevenue external2024-04-01 → 2024-09-30¥34.7bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥921m
Bankingreportable segmentsegment assetsat 2024-09-30¥5.59T
Bankingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥10.2bn
Credit Cardreportable segmentcapex2024-04-01 → 2024-09-30¥1m
Credit Cardreportable segmentdepreciation2024-04-01 → 2024-09-30¥4m
Credit Cardreportable segmentrevenue external2024-04-01 → 2024-09-30¥1.2bn
Credit Cardreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥111m
Credit Cardreportable segmentsegment assetsat 2024-09-30¥17.0bn
Credit Cardreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥448m
Leasingreportable segmentcapex2024-04-01 → 2024-09-30¥62m
Leasingreportable segmentdepreciation2024-04-01 → 2024-09-30¥223m
Leasingreportable segmentrevenue external2024-04-01 → 2024-09-30¥11.1bn
Leasingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥105m
Leasingreportable segmentsegment assetsat 2024-09-30¥58.5bn
Leasingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥423m
—segment totalcapex2024-04-01 → 2024-09-30¥166m
—segment totaldepreciation2024-04-01 → 2024-09-30¥1.3bn
—segment totalrevenue external2024-04-01 → 2024-09-30¥47.0bn
—segment totalrevenue intersegment2024-04-01 → 2024-09-30¥1.1bn
—segment totalsegment assetsat 2024-09-30¥5.66T
—segment totalsegment ordinary income2024-04-01 → 2024-09-30¥11.1bn
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2024-09-30¥166m
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2024-09-30¥1.3bn
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2024-09-30¥48.4bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2024-09-30¥1.2bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-09-30¥5.67T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2024-09-30¥11.1bn

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

All source rows · 1,200
ItemContextValueUnit
Industry code when consolidated financial statements are prepared in accordance with industry specific regulationsFilingDateInstantBNK
Industry code when financial statements are prepared in accordance with industry specific regulationsFilingDateInstantBNK
Current fiscal year start dateFilingDateInstant2025-04-01
Current period end dateFilingDateInstant2025-09-30
Type of current periodFilingDateInstantHY
Current fiscal year end dateFilingDateInstant2026-03-31
Previous fiscal year start dateFilingDateInstant2024-04-01
Comparative period end dateFilingDateInstant2024-09-30
Previous fiscal year end dateFilingDateInstant2025-03-31
Next fiscal year start dateFilingDateInstant-
End date of quarterly or semi annual period of next fiscal yearFilingDateInstant-
Amendment flagFilingDateInstantfalse
Identification of document subject to amendmentFilingDateInstant-
Report amendment flagFilingDateInstantfalse
Xbrl amendment flagFilingDateInstantfalse
Business results of group (text)FilingDateInstantText · Plus
Business results of reporting company (text)FilingDateInstantText · Plus
Description of business (text)FilingDateInstantText · Plus
Business risks (text)FilingDateInstantText · Plus
Management analysis of financial position operating results and cash flows (text)FilingDateInstantText · Plus
Critical contracts (text)FilingDateInstantText · Plus
Total number of shares (text)FilingDateInstantText · Plus
Issued shares total number of shares etc (text)FilingDateInstantText · Plus
Class issued shares total number of shares etcFilingDateInstant_OrdinaryShareMember
Original text (Japanese)普通株式
Name of financial instruments exchange on which securities are listed or authorized financial instruments business association to which securities are registeredFilingDateInstant_OrdinaryShareMember
Original text (Japanese)東京証券取引所(プライム市場)名古屋証券取引所(プレミア市場)
Description issued shares total number of shares etcFilingDateInstant_OrdinaryShareMember
Original text (Japanese)単元株式数は100株であります。
Details of employee share option program (text)FilingDateInstantText · Plus
Other information on share acquisition rights (text)FilingDateInstantText · Plus
Exercises etc of moving strike convertible bonds etc (text)FilingDateInstantText · Plus
Changes in number of issued shares stated capital etc (text)FilingDateInstantText · Plus
Major shareholders (text)FilingDateInstantText · Plus
Name major shareholdersInterimInstant_No1MajorShareholdersMember
Original text (Japanese)日本マスタートラスト信託銀行株式会社(信託口)
Address major shareholdersInterimInstant_No1MajorShareholdersMember
Original text (Japanese)東京都港区赤坂1丁目8番1号
Name major shareholdersInterimInstant_No2MajorShareholdersMember
Original text (Japanese)MORGAN STANLEY & CO. LLC(常任代理人 モルガン・スタンレーMUFG証券株式会社)
Address major shareholdersInterimInstant_No2MajorShareholdersMemberText · Plus
Name major shareholdersInterimInstant_No3MajorShareholdersMember
Original text (Japanese)日本生命保険相互会社
Address major shareholdersInterimInstant_No3MajorShareholdersMember
Original text (Japanese)東京都千代田区丸の内一丁目6番6号
Name major shareholdersInterimInstant_No4MajorShareholdersMember
Original text (Japanese)明治安田生命保険相互会社
Address major shareholdersInterimInstant_No4MajorShareholdersMember
Original text (Japanese)東京都千代田区丸の内二丁目1番1号
Name major shareholdersInterimInstant_No5MajorShareholdersMember
Original text (Japanese)名銀みのり会
Address major shareholdersInterimInstant_No5MajorShareholdersMember
Original text (Japanese)名古屋市中区錦三丁目19番17号
Name major shareholdersInterimInstant_No6MajorShareholdersMember
Original text (Japanese)住友生命保険相互会社
Address major shareholdersInterimInstant_No6MajorShareholdersMember
Original text (Japanese)東京都中央区八重洲二丁目2番1号
Name major shareholdersInterimInstant_No7MajorShareholdersMember
Original text (Japanese)株式会社みずほ銀行
Address major shareholdersInterimInstant_No7MajorShareholdersMember
Original text (Japanese)東京都千代田区大手町一丁目5番5号
Name major shareholdersInterimInstant_No8MajorShareholdersMember
Original text (Japanese)株式会社日本カストディ銀行(信託口)
Address major shareholdersInterimInstant_No8MajorShareholdersMember
Original text (Japanese)東京都中央区晴海一丁目8番12号
Name major shareholdersInterimInstant_No9MajorShareholdersMember
Original text (Japanese)大樹生命保険株式会社
Address major shareholdersInterimInstant_No9MajorShareholdersMember
Original text (Japanese)東京都千代田区大手町2丁目1番1号
Name major shareholdersInterimInstant_No10MajorShareholdersMember
Original text (Japanese)東邦瓦斯株式会社

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