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
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
Summary of business results (text)FilingDateInstantText · Plus
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
Description issued shares total number of shares etcFilingDateInstant_OrdinaryShareMemberText · Plus
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)東京都港区赤坂一丁目8番1号
Name major shareholdersInterimInstant_No2MajorShareholdersMember
Original text (Japanese)株式会社日本カストディ銀行(信託口)
Address major shareholdersInterimInstant_No2MajorShareholdersMember
Original text (Japanese)東京都中央区晴海一丁目8番12号
Name major shareholdersInterimInstant_No3MajorShareholdersMember
Original text (Japanese)明治安田生命保険相互会社
Address major shareholdersInterimInstant_No3MajorShareholdersMember
Original text (Japanese)東京都千代田区丸の内二丁目1番1号
Name major shareholdersInterimInstant_No4MajorShareholdersMember
Original text (Japanese)北日本銀行従業員持株会
Address major shareholdersInterimInstant_No4MajorShareholdersMember
Original text (Japanese)岩手県盛岡市中央通一丁目6番7号
Name major shareholdersInterimInstant_No5MajorShareholdersMember
Original text (Japanese)住友生命保険相互会社
Address major shareholdersInterimInstant_No5MajorShareholdersMember
Original text (Japanese)東京都中央区八重洲二丁目2番1号
Name major shareholdersInterimInstant_No6MajorShareholdersMember
Original text (Japanese)後藤 康文
Address major shareholdersInterimInstant_No6MajorShareholdersMember
Original text (Japanese)岩手県宮古市
Name major shareholdersInterimInstant_No7MajorShareholdersMember
Original text (Japanese)株式会社十文字チキンカンパニー
Address major shareholdersInterimInstant_No7MajorShareholdersMember
Original text (Japanese)岩手県二戸市石切所火行塚25
Name major shareholdersInterimInstant_No8MajorShareholdersMember
Original text (Japanese)カメイ株式会社
Address major shareholdersInterimInstant_No8MajorShareholdersMember
Original text (Japanese)宮城県仙台市青葉区国分町三丁目1番18号
Name major shareholdersInterimInstant_No9MajorShareholdersMember
Original text (Japanese)SMBC日興証券株式会社
Address major shareholdersInterimInstant_No9MajorShareholdersMember
Original text (Japanese)東京都千代田区丸の内三丁目3番1号

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