Half-year report · HY

Period2025-04-01 → 2025-09-30
Filed2025-11-26
StandardJapan GAAP
ConsolidatedYes
Data checks24 of 24 passed
Key figures · 116
MetricValuePeriodScopeSource row
Ordinary income¥3.1bn2025-04-01 → 2025-09-30Cons.Ordinary income
Ordinary income¥5.6bn2024-04-01 → 2025-03-31Cons.Ordinary income loss (5-year summary)
Ordinary income¥3.0bn2024-04-01 → 2024-09-30Cons.Ordinary income
Ordinary income¥4.1bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥1.5bn2023-04-01 → 2023-09-30dCons.Ordinary income loss (5-year summary)
Profit before tax¥3.0bn2025-04-01 → 2025-09-30Cons.Income before income taxes
Profit before tax¥2.9bn2024-04-01 → 2024-09-30Cons.Income before income taxes
Net income (owners)¥2.1bn2025-04-01 → 2025-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥4.0bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥2.3bn2024-04-01 → 2024-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥3.1bn2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥893m2023-04-01 → 2023-09-30dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥2.1bn2025-04-01 → 2025-09-30Cons.Profit loss
Net income¥2.3bn2024-04-01 → 2024-09-30Cons.Profit loss
Total assets¥1.54Tat 2025-09-30Cons.Assets
Total assets¥1.53Tat 2025-03-31Cons.Assets
Total assets¥1.55Tat 2024-09-30Cons.Assets
Total assets¥1.52Tat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥1.51Tat 2023-09-30dCons.Total assets (5-year summary)
Total liabilities¥1.45Tat 2025-09-30Cons.Liabilities
Total liabilities¥1.44Tat 2025-03-31Cons.Liabilities
Total liabilities¥1.47Tat 2024-09-30Cons.Liabilities
Net assets / equity¥91.3bnat 2025-09-30Cons.Net assets
Net assets / equity¥86.5bnat 2025-03-31Cons.Net assets
Net assets / equity¥86.5bnat 2024-09-30Cons.Net assets
Net assets / equity¥86.0bnat 2024-03-31vCons.Net assets
Net assets / equity¥79.1bnat 2023-09-30dCons.Net assets (5-year summary)
Cash & equivalents¥118.1bnat 2025-09-30Cons.Cash and cash equivalents
Cash & equivalents¥109.9bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥166.0bnat 2024-09-30Cons.Cash and cash equivalents
Cash & equivalents¥133.2bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥130.4bnat 2023-09-30dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥8.6bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in operating activities
Operating cash flow−¥17.1bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥27.3bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in operating activities
Operating cash flow−¥27.4bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥7.7bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow¥170m2025-04-01 → 2025-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥5.0bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥5.9bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in investment activities
Investing cash flow¥71.8bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥49.1bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥499m2025-04-01 → 2025-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥1.3bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥422m2024-04-01 → 2024-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥507m2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥252m2023-04-01 → 2023-09-30dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥252.412025-04-01 → 2025-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥475.572024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥268.272024-04-01 → 2024-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥364.622023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥106.162023-04-01 → 2023-09-30dCons.Basic earnings loss per share (5-year summary)
EPS (diluted)¥251.992025-04-01 → 2025-09-30Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥474.622024-04-01 → 2025-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥267.652024-04-01 → 2024-09-30Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥363.272023-04-01 → 2024-03-31vCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥105.72023-04-01 → 2023-09-30dCons.Diluted earnings per share (5-year summary)
Net assets per share¥10,975.11at 2025-09-30Cons.Net assets 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¥10,223.54at 2024-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥10,187.48at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥9,368.7at 2023-09-30dCons.Net assets per share (5-year summary)
Equity ratio5.9%at 2025-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio5.7%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio5.6%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 ratio5.2%at 2023-09-30dCons.Equity to asset ratio (5-year summary)
Employees802at 2025-09-30Cons.Number of employees
Employees781at 2025-03-31Cons.Number of employees
Employees801at 2024-09-30Cons.Number of employees
Employees773at 2024-03-31vCons.Number of employees
Employees808at 2023-09-30dCons.Number of employees
Ordinary income¥3.0bn2025-04-01 → 2025-09-30StandaloneOrdinary income
Ordinary income¥5.3bn2024-04-01 → 2025-03-31StandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.9bn2024-04-01 → 2024-09-30StandaloneOrdinary income
Ordinary income¥4.0bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥1.5bn2023-04-01 → 2023-09-30dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥3.0bn2025-04-01 → 2025-09-30StandaloneIncome before income taxes
Profit before tax¥2.8bn2024-04-01 → 2024-09-30StandaloneIncome before income taxes
Net income¥2.1bn2025-04-01 → 2025-09-30StandaloneProfit loss
Net income¥3.8bn2024-04-01 → 2025-03-31StandaloneNet income loss (5-year summary)
Net income¥2.2bn2024-04-01 → 2024-09-30StandaloneProfit loss
Net income¥3.0bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥951m2023-04-01 → 2023-09-30dStandaloneNet income loss (5-year summary)
Total assets¥1.54Tat 2025-09-30StandaloneAssets
Total assets¥1.52Tat 2025-03-31StandaloneAssets
Total assets¥1.55Tat 2024-09-30StandaloneTotal assets (5-year summary)
Total assets¥1.52Tat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥1.51Tat 2023-09-30dStandaloneTotal assets (5-year summary)
Total liabilities¥1.45Tat 2025-09-30StandaloneLiabilities
Total liabilities¥1.44Tat 2025-03-31StandaloneLiabilities
Net assets / equity¥87.7bnat 2025-09-30StandaloneNet assets
Net assets / equity¥82.9bnat 2025-03-31StandaloneNet assets
Net assets / equity¥83.1bnat 2024-09-30StandaloneNet assets
Net assets / equity¥82.6bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥76.4bnat 2023-09-30dStandaloneNet assets (5-year summary)
Dividend per share¥842025-04-01 → 2025-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥1002024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥402024-04-01 → 2024-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥802023-04-01 → 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 ratio5.7%at 2025-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio5.4%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio5.4%at 2024-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio5.4%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio5.1%at 2023-09-30dStandaloneEquity to asset ratio (5-year summary)
Shares issued8,593,000at 2025-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2024-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2023-09-30dStandaloneTotal number of issued shares (5-year summary)
Employees785at 2025-09-30StandaloneNumber of employees
Employees769at 2025-03-31StandaloneNumber of employees
Employees787at 2024-09-30StandaloneNumber of employees
Employees759at 2024-03-31vStandaloneNumber of employees
Employees797at 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 · 66
SegmentItemPeriodValue
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2025-04-01 → 2025-09-30¥0
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2025-04-01 → 2025-09-30¥0
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2025-04-01 → 2025-09-30¥0
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2025-09-30¥95m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2025-04-01 → 2025-09-30−¥5m
Reconciling Itemsreconcilingrevenue external2025-04-01 → 2025-09-30−¥22m
Reconciling Itemsreconcilingrevenue intersegment2025-04-01 → 2025-09-30−¥401m
Reconciling Itemsreconcilingsegment assetsat 2025-09-30−¥11.4bn
Reconciling Itemsreconcilingsegment ordinary income2025-04-01 → 2025-09-30−¥107m
Bankingreportable segmentcapex2025-04-01 → 2025-09-30¥631m
Bankingreportable segmentdepreciation2025-04-01 → 2025-09-30¥440m
Bankingreportable segmentrevenue external2025-04-01 → 2025-09-30¥12.9bn
Bankingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥141m
Bankingreportable segmentsegment assetsat 2025-09-30¥1.54T
Bankingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥3.0bn
Credit Card Credit Guaranteereportable segmentcapex2025-04-01 → 2025-09-30¥0
Credit Card Credit Guaranteereportable segmentdepreciation2025-04-01 → 2025-09-30¥1m
Credit Card Credit Guaranteereportable segmentrevenue external2025-04-01 → 2025-09-30¥85m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥259m
Credit Card Credit Guaranteereportable segmentsegment assetsat 2025-09-30¥2.2bn
Credit Card Credit Guaranteereportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥108m
Leasingreportable segmentcapex2025-04-01 → 2025-09-30¥3m
Leasingreportable segmentdepreciation2025-04-01 → 2025-09-30¥6m
Leasingreportable segmentrevenue external2025-04-01 → 2025-09-30¥1.7bn
Leasingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥1m
Leasingreportable segmentsegment assetsat 2025-09-30¥11.7bn
Leasingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥75m
—segment totalcapex2025-04-01 → 2025-09-30¥635m
—segment totaldepreciation2025-04-01 → 2025-09-30¥447m
—segment totalrevenue external2025-04-01 → 2025-09-30¥14.7bn
—segment totalrevenue intersegment2025-04-01 → 2025-09-30¥401m
—segment totalsegment assetsat 2025-09-30¥1.55T
—segment totalsegment ordinary income2025-04-01 → 2025-09-30¥3.2bn
Total Of Reportable Segments And Otherssegment totalcapex2025-04-01 → 2025-09-30¥636m
Total Of Reportable Segments And Otherssegment totaldepreciation2025-04-01 → 2025-09-30¥448m
Total Of Reportable Segments And Otherssegment totalrevenue external2025-04-01 → 2025-09-30¥14.7bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2025-04-01 → 2025-09-30¥401m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-09-30¥1.55T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2025-04-01 → 2025-09-30¥3.2bn
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2024-09-30−¥367m
Reconciling Itemsreconcilingsegment assetsat 2024-09-30−¥11.9bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2024-09-30−¥66m
Bankingreportable segmentcapex2024-04-01 → 2024-09-30¥362m
Bankingreportable segmentdepreciation2024-04-01 → 2024-09-30¥428m
Bankingreportable segmentrevenue external2024-04-01 → 2024-09-30¥11.2bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥93m
Bankingreportable segmentsegment assetsat 2024-09-30¥1.55T
Bankingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥2.9bn
Credit Card Credit Guaranteereportable segmentcapex2024-04-01 → 2024-09-30¥0
Credit Card Credit Guaranteereportable segmentdepreciation2024-04-01 → 2024-09-30¥1m
Credit Card Credit Guaranteereportable segmentrevenue external2024-04-01 → 2024-09-30¥84m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥271m
Credit Card Credit Guaranteereportable segmentsegment assetsat 2024-09-30¥2.1bn
Credit Card Credit Guaranteereportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥96m
Leasingreportable segmentcapex2024-04-01 → 2024-09-30¥3m
Leasingreportable segmentdepreciation2024-04-01 → 2024-09-30¥7m
Leasingreportable segmentrevenue external2024-04-01 → 2024-09-30¥1.6bn
Leasingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥1m
Leasingreportable segmentsegment assetsat 2024-09-30¥12.2bn
Leasingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥42m
—segment totalcapex2024-04-01 → 2024-09-30¥366m
—segment totaldepreciation2024-04-01 → 2024-09-30¥437m
—segment totalrevenue external2024-04-01 → 2024-09-30¥13.0bn
—segment totalrevenue intersegment2024-04-01 → 2024-09-30¥367m
—segment totalsegment assetsat 2024-09-30¥1.57T
—segment totalsegment ordinary income2024-04-01 → 2024-09-30¥3.0bn

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

All source rows · 1,195
ItemContextValueUnit
Independent auditors report consolidated (text)FilingDateInstantText · Plus
Audit firm1 consolidatedFilingDateInstant
Original text (Japanese)北光監査法人
Cpa1 audit firm1 consolidatedFilingDateInstant
Original text (Japanese)遠 藤  明 哲
Cpa2 audit firm1 consolidatedFilingDateInstant
Original text (Japanese)戸 小 台  誠
Cpa3 audit firm1 consolidatedFilingDateInstant
Original text (Japanese)八重樫  健太郎
Independent auditors report non consolidated (text)FilingDateInstantText · Plus
Audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)北光監査法人
Cpa1 audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)遠 藤  明 哲
Cpa2 audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)戸 小 台  誠
Cpa3 audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)八重樫  健太郎
Number of submissionFilingDateInstant1
Ordinary income (5-year summary)Prior2InterimDuration14893000000JPY
Ordinary income (5-year summary)Prior1InterimDuration12976000000JPY
Ordinary income (5-year summary)InterimDuration14668000000JPY
Ordinary income (5-year summary)Prior2YearDuration29017000000JPY
Ordinary income (5-year summary)Prior1YearDuration26396000000JPY
Ordinary income loss (5-year summary)Prior2InterimDuration1456000000JPY
Ordinary income loss (5-year summary)Prior1InterimDuration2977000000JPY
Ordinary income loss (5-year summary)InterimDuration3087000000JPY
Ordinary income loss (5-year summary)Prior2YearDuration4098000000JPY
Ordinary income loss (5-year summary)Prior1YearDuration5578000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior2InterimDuration893000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior1InterimDuration2266000000JPY
Profit loss attributable to owners of parent (5-year summary)InterimDuration2097000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior2YearDuration3073000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior1YearDuration4011000000JPY
Comprehensive income (5-year summary)Prior2InterimDuration4088000000JPY
Comprehensive income (5-year summary)Prior1InterimDuration891000000JPY
Comprehensive income (5-year summary)InterimDuration5308000000JPY
Comprehensive income (5-year summary)Prior2YearDuration11247000000JPY
Comprehensive income (5-year summary)Prior1YearDuration1653000000JPY
Net assets (5-year summary)Prior2InterimInstant79136000000JPY
Net assets (5-year summary)Prior1InterimInstant86538000000JPY
Net assets (5-year summary)InterimInstant91297000000JPY
Net assets (5-year summary)Prior2YearInstant86040000000JPY
Net assets (5-year summary)Prior1YearInstant86460000000JPY
Total assets (5-year summary)Prior2InterimInstant1513881000000JPY
Total assets (5-year summary)Prior1InterimInstant1554973000000JPY
Total assets (5-year summary)InterimInstant1542494000000JPY
Total assets (5-year summary)Prior2YearInstant1522676000000JPY
Total assets (5-year summary)Prior1YearInstant1526336000000JPY
Net assets per share (5-year summary)Prior2InterimInstant9368.70
Net assets per share (5-year summary)Prior1InterimInstant10223.54
Net assets per share (5-year summary)InterimInstant10975.11
Net assets per share (5-year summary)Prior2YearInstant10187.48
Net assets per share (5-year summary)Prior1YearInstant10405.06
Basic earnings loss per share (5-year summary)Prior2InterimDuration106.16
Basic earnings loss per share (5-year summary)Prior1InterimDuration268.27
Basic earnings loss per share (5-year summary)InterimDuration252.41
Basic earnings loss per share (5-year summary)Prior2YearDuration364.62

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 · 24 of 24 passed
balance sheet identityconsolidated 2024-09-30pass
balance sheet identityconsolidated 2025-03-31pass rounding
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