Annual report

Period2024-04-01 → 2025-03-31
Filed2025-06-24
StandardJapan GAAP
ConsolidatedYes
Data checks20 of 20 passed
Key figures · 140
MetricValuePeriodScopeSource row
Ordinary income¥5.6bn2024-04-01 → 2025-03-31Cons.Ordinary income
Ordinary income¥4.1bn2023-04-01 → 2024-03-31Cons.Ordinary income
Ordinary income¥3.5bn2022-04-01 → 2023-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥2.8bn2021-04-01 → 2022-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥2.8bn2020-04-01 → 2021-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥5.3bn2024-04-01 → 2025-03-31Cons.Income before income taxes
Profit before tax¥3.9bn2023-04-01 → 2024-03-31Cons.Income before income taxes
Net income (owners)¥4.0bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥3.1bn2023-04-01 → 2024-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥2.7bn2022-04-01 → 2023-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥2.1bn2021-04-01 → 2022-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥1.5bn2020-04-01 → 2021-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥4.0bn2024-04-01 → 2025-03-31Cons.Profit loss
Net income¥3.1bn2023-04-01 → 2024-03-31Cons.Profit loss
Total assets¥1.53Tat 2025-03-31Cons.Assets
Total assets¥1.52Tat 2024-03-31Cons.Assets
Total assets¥1.50Tat 2023-03-31dCons.Total assets (5-year summary)
Total assets¥1.68Tat 2022-03-31dCons.Total assets (5-year summary)
Total assets¥1.67Tat 2021-03-31dCons.Total assets (5-year summary)
Total liabilities¥1.44Tat 2025-03-31Cons.Liabilities
Total liabilities¥1.44Tat 2024-03-31Cons.Liabilities
Net assets / equity¥86.5bnat 2025-03-31Cons.Net assets
Net assets / equity¥86.0bnat 2024-03-31Cons.Net assets
Net assets / equity¥75.3bnat 2023-03-31dCons.Net assets
Net assets / equity¥75.4bnat 2022-03-31dCons.Net assets (5-year summary)
Net assets / equity¥74.5bnat 2021-03-31dCons.Net assets (5-year summary)
Cash & equivalents¥109.9bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥133.2bnat 2024-03-31Cons.Cash and cash equivalents
Cash & equivalents¥89.2bnat 2023-03-31dCons.Cash and cash equivalents
Cash & equivalents¥277.9bnat 2022-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥314.8bnat 2021-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow−¥17.1bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities
Operating cash flow−¥27.4bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in operating activities
Operating cash flow−¥211.0bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥30.5bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥213.7bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥5.0bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥71.8bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥22.8bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥5.8bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥837m2020-04-01 → 2021-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥1.3bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥507m2023-04-01 → 2024-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥546m2022-04-01 → 2023-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥591m2021-04-01 → 2022-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥465m2020-04-01 → 2021-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥475.572024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥364.622023-04-01 → 2024-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥316.682022-04-01 → 2023-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥249.442021-04-01 → 2022-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥180.332020-04-01 → 2021-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (diluted)¥474.622024-04-01 → 2025-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥363.272023-04-01 → 2024-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥314.882022-04-01 → 2023-03-31dCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥247.962021-04-01 → 2022-03-31dCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥179.072020-04-01 → 2021-03-31dCons.Diluted earnings per share (5-year summary)
Net assets per share¥10,405.06at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥10,187.48at 2024-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥8,942.49at 2023-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥8,977.27at 2022-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥8,795.72at 2021-03-31dCons.Net assets per share (5-year summary)
Equity ratio5.7%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio5.6%at 2024-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio5.0%at 2023-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio4.5%at 2022-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio4.5%at 2021-03-31dCons.Equity to asset ratio (5-year summary)
ROE4.7%2024-04-01 → 2025-03-31Cons.Rate of return on equity (5-year summary)
ROE3.8%2023-04-01 → 2024-03-31Cons.Rate of return on equity (5-year summary)
ROE3.5%2022-04-01 → 2023-03-31dCons.Rate of return on equity (5-year summary)
ROE2.8%2021-04-01 → 2022-03-31dCons.Rate of return on equity (5-year summary)
ROE2.1%2020-04-01 → 2021-03-31dCons.Rate of return on equity (5-year summary)
Employees781at 2025-03-31Cons.Number of employees
Employees773at 2024-03-31Cons.Number of employees
Employees812at 2023-03-31dCons.Number of employees
Employees833at 2022-03-31dCons.Number of employees
Employees853at 2021-03-31dCons.Number of employees
Ordinary income¥5.3bn2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income¥4.0bn2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥3.3bn2022-04-01 → 2023-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.8bn2021-04-01 → 2022-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.6bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥5.0bn2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Profit before tax¥3.8bn2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Net income¥3.8bn2024-04-01 → 2025-03-31StandaloneProfit loss
Net income¥3.0bn2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥2.6bn2022-04-01 → 2023-03-31dStandaloneNet income loss (5-year summary)
Net income¥2.2bn2021-04-01 → 2022-03-31dStandaloneNet income loss (5-year summary)
Net income¥1.5bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Total assets¥1.52Tat 2025-03-31StandaloneAssets
Total assets¥1.52Tat 2024-03-31StandaloneAssets
Total assets¥1.49Tat 2023-03-31dStandaloneTotal assets (5-year summary)
Total assets¥1.67Tat 2022-03-31dStandaloneTotal assets (5-year summary)
Total assets¥1.66Tat 2021-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥1.44Tat 2025-03-31StandaloneLiabilities
Total liabilities¥1.44Tat 2024-03-31StandaloneLiabilities
Net assets / equity¥82.9bnat 2025-03-31StandaloneNet assets
Net assets / equity¥82.6bnat 2024-03-31StandaloneNet assets
Net assets / equity¥72.4bnat 2023-03-31dStandaloneNet assets
Net assets / equity¥72.7bnat 2022-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥71.8bnat 2021-03-31dStandaloneNet assets (5-year summary)
EPS (basic)¥455.782024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥357.82023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥306.842022-04-01 → 2023-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥263.412021-04-01 → 2022-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥173.32020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥454.872024-04-01 → 2025-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥356.482023-04-01 → 2024-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥305.12022-04-01 → 2023-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥261.852021-04-01 → 2022-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥172.082020-04-01 → 2021-03-31dStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥1002024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥802023-04-01 → 2024-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥602022-04-01 → 2023-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥602021-04-01 → 2022-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥502020-04-01 → 2021-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥9,972.07at 2025-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥9,775.07at 2024-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥8,603.89at 2023-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥8,656.87at 2022-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥8,473.38at 2021-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio5.4%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio5.4%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.8%at 2023-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio4.3%at 2022-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio4.3%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE4.7%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE3.9%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE3.5%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)
ROE2.1%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued8,793,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2023-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2022-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees769at 2025-03-31StandaloneNumber of employees
Employees759at 2024-03-31StandaloneNumber of employees
Employees801at 2023-03-31dStandaloneNumber of employees
Employees820at 2022-03-31dStandaloneNumber of employees
Employees840at 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 · 58
SegmentItemPeriodValue
Reconciling Itemsreconcilingrevenue external2024-04-01 → 2025-03-31−¥247m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2025-03-31−¥662m
Reconciling Itemsreconcilingsegment assetsat 2025-03-31−¥11.2bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2025-03-31−¥44m
Bankingreportable segmentcapex2024-04-01 → 2025-03-31¥788m
Bankingreportable segmentdepreciation2024-04-01 → 2025-03-31¥856m
Bankingreportable segmentemployeesat 2025-03-31769 pure
Bankingreportable segmentrevenue external2024-04-01 → 2025-03-31¥22.9bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥123m
Bankingreportable segmentsegment assetsat 2025-03-31¥1.52T
Bankingreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥5.3bn
Credit Card Credit Guaranteereportable segmentcapex2024-04-01 → 2025-03-31¥1m
Credit Card Credit Guaranteereportable segmentdepreciation2024-04-01 → 2025-03-31¥2m
Credit Card Credit Guaranteereportable segmentemployeesat 2025-03-316 pure
Credit Card Credit Guaranteereportable segmentrevenue external2024-04-01 → 2025-03-31¥147m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥536m
Credit Card Credit Guaranteereportable segmentsegment assetsat 2025-03-31¥2.2bn
Credit Card Credit Guaranteereportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥176m
Leasingreportable segmentcapex2024-04-01 → 2025-03-31¥3m
Leasingreportable segmentdepreciation2024-04-01 → 2025-03-31¥14m
Leasingreportable segmentemployeesat 2025-03-316 pure
Leasingreportable segmentrevenue external2024-04-01 → 2025-03-31¥3.5bn
Leasingreportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥3m
Leasingreportable segmentsegment assetsat 2025-03-31¥11.8bn
Leasingreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥146m
—segment totalcapex2024-04-01 → 2025-03-31¥792m
—segment totaldepreciation2024-04-01 → 2025-03-31¥873m
—segment totalrevenue external2024-04-01 → 2025-03-31¥26.6bn
—segment totalrevenue intersegment2024-04-01 → 2025-03-31¥662m
—segment totalsegment assetsat 2025-03-31¥1.54T
—segment totalsegment ordinary income2024-04-01 → 2025-03-31¥5.6bn
Reconciling Itemsreconcilingrevenue intersegment2023-04-01 → 2024-03-31−¥722m
Reconciling Itemsreconcilingsegment assetsat 2024-03-31−¥11.2bn
Reconciling Itemsreconcilingsegment ordinary income2023-04-01 → 2024-03-31−¥64m
Bankingreportable segmentcapex2023-04-01 → 2024-03-31¥1.2bn
Bankingreportable segmentdepreciation2023-04-01 → 2024-03-31¥761m
Bankingreportable segmentrevenue external2023-04-01 → 2024-03-31¥24.3bn
Bankingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥163m
Bankingreportable segmentsegment assetsat 2024-03-31¥1.52T
Bankingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥4.0bn
Credit Card Credit Guaranteereportable segmentcapex2023-04-01 → 2024-03-31¥4m
Credit Card Credit Guaranteereportable segmentdepreciation2023-04-01 → 2024-03-31¥2m
Credit Card Credit Guaranteereportable segmentrevenue external2023-04-01 → 2024-03-31¥151m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥555m
Credit Card Credit Guaranteereportable segmentsegment assetsat 2024-03-31¥2.1bn
Credit Card Credit Guaranteereportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥161m
Leasingreportable segmentcapex2023-04-01 → 2024-03-31¥51m
Leasingreportable segmentdepreciation2023-04-01 → 2024-03-31¥7m
Leasingreportable segmentrevenue external2023-04-01 → 2024-03-31¥4.6bn
Leasingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥4m
Leasingreportable segmentsegment assetsat 2024-03-31¥12.3bn
Leasingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥40m
—segment totalcapex2023-04-01 → 2024-03-31¥1.2bn
—segment totaldepreciation2023-04-01 → 2024-03-31¥771m
—segment totalrevenue external2023-04-01 → 2024-03-31¥29.0bn
—segment totalrevenue intersegment2023-04-01 → 2024-03-31¥722m
—segment totalsegment assetsat 2024-03-31¥1.53T
—segment totalsegment ordinary income2023-04-01 → 2024-03-31¥4.2bn

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

All source rows · 1,812
ItemContextValueUnit
Subscription rights to sharesCurrentYearInstant36000000JPY
Net assetsPrior1YearInstant86040000000JPY
Net assetsCurrentYearInstant86460000000JPY
Liabilities and net assetsPrior1YearInstant1522676000000JPY
Liabilities and net assetsCurrentYearInstant1526336000000JPY
Ordinary income bnkPrior1YearDuration29017000000JPY
Ordinary income bnkCurrentYearDuration26396000000JPY
Interest income oibnkPrior1YearDuration17028000000JPY
Interest income oibnkCurrentYearDuration18296000000JPY
Interest on loans and discounts oibnkPrior1YearDuration12464000000JPY
Interest on loans and discounts oibnkCurrentYearDuration13224000000JPY
Interest and dividends on securities oibnkPrior1YearDuration4346000000JPY
Interest and dividends on securities oibnkCurrentYearDuration4714000000JPY
Interest on call loans and bills bought oibnkPrior1YearDuration16000000JPY
Interest on call loans and bills bought oibnkCurrentYearDuration-JPY
Interest on deposits with banks oibnkPrior1YearDuration188000000JPY
Interest on deposits with banks oibnkCurrentYearDuration347000000JPY
Other interest income oibnkPrior1YearDuration13000000JPY
Other interest income oibnkCurrentYearDuration9000000JPY
Fees and commissions oibnkPrior1YearDuration2809000000JPY
Fees and commissions oibnkCurrentYearDuration2900000000JPY
Other ordinary income oibnkPrior1YearDuration5226000000JPY
Other ordinary income oibnkCurrentYearDuration3611000000JPY
Other income oibnkPrior1YearDuration3952000000JPY
Other income oibnkCurrentYearDuration1587000000JPY
Reversal of allowance for loan losses oibnkPrior1YearDuration-JPY
Reversal of allowance for loan losses oibnkCurrentYearDuration127000000JPY
Recoveries of written off claims oibnkPrior1YearDuration37000000JPY
Recoveries of written off claims oibnkCurrentYearDuration153000000JPY
Other other income oibnkPrior1YearDuration3915000000JPY
Other other income oibnkCurrentYearDuration1307000000JPY
Ordinary expenses bnkPrior1YearDuration24919000000JPY
Ordinary expenses bnkCurrentYearDuration20817000000JPY
Interest expenses oebnkPrior1YearDuration104000000JPY
Interest expenses oebnkCurrentYearDuration956000000JPY
Interest on deposits oebnkPrior1YearDuration88000000JPY
Interest on deposits oebnkCurrentYearDuration938000000JPY
Interest on negotiable certificates of deposit oebnkPrior1YearDuration0JPY
Interest on negotiable certificates of deposit oebnkCurrentYearDuration2000000JPY
Interest on borrowings and rediscounts oebnkPrior1YearDuration13000000JPY
Interest on borrowings and rediscounts oebnkCurrentYearDuration13000000JPY
Other interest expenses oebnkPrior1YearDuration1000000JPY
Other interest expenses oebnkCurrentYearDuration1000000JPY
Fees and commissions payments oebnkPrior1YearDuration2106000000JPY
Fees and commissions payments oebnkCurrentYearDuration2321000000JPY
Other ordinary expenses oebnkPrior1YearDuration7637000000JPY
Other ordinary expenses oebnkCurrentYearDuration3568000000JPY
General and administrative expenses oebnkPrior1YearDuration13034000000JPY
General and administrative expenses oebnkCurrentYearDuration12971000000JPY
Other expenses oebnkPrior1YearDuration2037000000JPY

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 rounding
balance sheet identityconsolidated 2025-03-31pass rounding
balance sheet identitynon_consolidated 2024-03-31pass rounding
balance sheet identitynon_consolidated 2025-03-31pass
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