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¥924m2025-04-01 → 2025-09-30Cons.Ordinary income
Ordinary income¥1.9bn2024-04-01 → 2025-03-31Cons.Ordinary income loss (5-year summary)
Ordinary income¥1.2bn2024-04-01 → 2024-09-30Cons.Ordinary income
Ordinary income¥2.5bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥1.4bn2023-04-01 → 2023-09-30dCons.Ordinary income loss (5-year summary)
Profit before tax¥918m2025-04-01 → 2025-09-30Cons.Income before income taxes
Profit before tax¥1.2bn2024-04-01 → 2024-09-30Cons.Income before income taxes
Net income (owners)¥597m2025-04-01 → 2025-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥1.3bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥869m2024-04-01 → 2024-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥1.8bn2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥1.1bn2023-04-01 → 2023-09-30dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥628m2025-04-01 → 2025-09-30Cons.Profit loss
Net income¥926m2024-04-01 → 2024-09-30Cons.Profit loss
Total assets¥824.6bnat 2025-09-30Cons.Assets
Total assets¥814.7bnat 2025-03-31Cons.Assets
Total assets¥821.9bnat 2024-09-30Cons.Assets
Total assets¥807.3bnat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥798.4bnat 2023-09-30dCons.Total assets (5-year summary)
Total liabilities¥777.0bnat 2025-09-30Cons.Liabilities
Total liabilities¥769.8bnat 2025-03-31Cons.Liabilities
Total liabilities¥775.6bnat 2024-09-30Cons.Liabilities
Net assets / equity¥47.6bnat 2025-09-30Cons.Net assets
Net assets / equity¥44.9bnat 2025-03-31Cons.Net assets
Net assets / equity¥46.3bnat 2024-09-30Cons.Net assets
Net assets / equity¥46.8bnat 2024-03-31vCons.Net assets
Net assets / equity¥43.4bnat 2023-09-30dCons.Net assets (5-year summary)
Cash & equivalents¥68.9bnat 2025-09-30Cons.Cash and cash equivalents
Cash & equivalents¥75.1bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥83.3bnat 2024-09-30Cons.Cash and cash equivalents
Cash & equivalents¥67.5bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥68.8bnat 2023-09-30dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥5.3bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥8.6bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥18.0bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in operating activities
Operating cash flow−¥16.8bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥15.2bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥11.2bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥665m2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥2.0bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥666m2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥1.2bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥188m2025-04-01 → 2025-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥370m2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥185m2024-04-01 → 2024-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥370m2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥186m2023-04-01 → 2023-09-30dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥103.152025-04-01 → 2025-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥232.192024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥154.572024-04-01 → 2024-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥313.662023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥201.972023-04-01 → 2023-09-30dCons.Basic earnings loss per share (5-year summary)
EPS (diluted)¥59.842025-04-01 → 2025-09-30Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥134.992024-04-01 → 2025-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥89.32024-04-01 → 2024-09-30Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥177.362023-04-01 → 2024-03-31vCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥102.932023-04-01 → 2023-09-30dCons.Diluted earnings per share (5-year summary)
Net assets per share¥7,537.08at 2025-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥7,041.93at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥7,309.64at 2024-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥7,420.58at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥6,770.84at 2023-09-30dCons.Net assets per share (5-year summary)
Equity ratio5.6%at 2025-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio5.3%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio5.4%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)
Employees600at 2025-09-30Cons.Number of employees
Employees590at 2025-03-31Cons.Number of employees
Employees613at 2024-09-30Cons.Number of employees
Employees605at 2024-03-31vCons.Number of employees
Employees625at 2023-09-30dCons.Number of employees
Ordinary income¥867m2025-04-01 → 2025-09-30StandaloneOrdinary income
Ordinary income¥1.8bn2024-04-01 → 2025-03-31StandaloneOrdinary income loss (5-year summary)
Ordinary income¥1.2bn2024-04-01 → 2024-09-30StandaloneOrdinary income
Ordinary income¥2.3bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥1.3bn2023-04-01 → 2023-09-30dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥862m2025-04-01 → 2025-09-30StandaloneIncome before income taxes
Profit before tax¥1.2bn2024-04-01 → 2024-09-30StandaloneIncome before income taxes
Net income¥592m2025-04-01 → 2025-09-30StandaloneProfit loss
Net income¥1.3bn2024-04-01 → 2025-03-31StandaloneNet income loss (5-year summary)
Net income¥862m2024-04-01 → 2024-09-30StandaloneProfit loss
Net income¥1.7bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥1.1bn2023-04-01 → 2023-09-30dStandaloneNet income loss (5-year summary)
Total assets¥821.2bnat 2025-09-30StandaloneAssets
Total assets¥811.3bnat 2025-03-31StandaloneAssets
Total assets¥818.7bnat 2024-09-30StandaloneTotal assets (5-year summary)
Total assets¥803.7bnat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥795.7bnat 2023-09-30dStandaloneTotal assets (5-year summary)
Total liabilities¥776.6bnat 2025-09-30StandaloneLiabilities
Total liabilities¥769.4bnat 2025-03-31StandaloneLiabilities
Net assets / equity¥44.6bnat 2025-09-30StandaloneNet assets
Net assets / equity¥41.9bnat 2025-03-31StandaloneNet assets
Net assets / equity¥43.4bnat 2024-09-30StandaloneNet assets
Net assets / equity¥43.9bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥41.0bnat 2023-09-30dStandaloneNet assets (5-year summary)
Dividend per share¥252025-04-01 → 2025-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥502024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥252024-04-01 → 2024-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥502023-04-01 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥252023-04-01 → 2023-09-30dStandaloneDividend paid per share (5-year summary)
Equity ratio5.4%at 2025-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio5.2%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio5.3%at 2024-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio5.5%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio5.1%at 2023-09-30dStandaloneEquity to asset ratio (5-year summary)
Shares issued5,342,000at 2025-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued5,342,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued5,342,000at 2024-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued5,342,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued5,342,000at 2023-09-30dStandaloneTotal number of issued shares (5-year summary)
Employees587at 2025-09-30StandaloneNumber of employees
Employees577at 2025-03-31StandaloneNumber of employees
Employees599at 2024-09-30StandaloneNumber of employees
Employees592at 2024-03-31vStandaloneNumber of employees
Employees611at 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 segmentsdepreciation2025-04-01 → 2025-09-30¥0
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2025-04-01 → 2025-09-30¥11m
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¥155m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2025-04-01 → 2025-09-30¥2m
Reconciling Itemsreconcilingdepreciation2025-04-01 → 2025-09-30¥23m
Reconciling Itemsreconcilingrevenue intersegment2025-04-01 → 2025-09-30−¥171m
Reconciling Itemsreconcilingsegment assetsat 2025-09-30−¥3.2bn
Reconciling Itemsreconcilingsegment ordinary income2025-04-01 → 2025-09-30¥2m
Bankingreportable segmentcapex2025-04-01 → 2025-09-30¥1.0bn
Bankingreportable segmentdepreciation2025-04-01 → 2025-09-30¥254m
Bankingreportable segmentrevenue external2025-04-01 → 2025-09-30¥7.2bn
Bankingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥31m
Bankingreportable segmentsegment assetsat 2025-09-30¥821.2bn
Bankingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥867m
Leasing And Guaranteereportable segmentcapex2025-04-01 → 2025-09-30¥17m
Leasing And Guaranteereportable segmentdepreciation2025-04-01 → 2025-09-30¥3m
Leasing And Guaranteereportable segmentrevenue external2025-04-01 → 2025-09-30¥1.1bn
Leasing And Guaranteereportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥138m
Leasing And Guaranteereportable segmentsegment assetsat 2025-09-30¥6.4bn
Leasing And Guaranteereportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥51m
—segment totalcapex2025-04-01 → 2025-09-30¥1.0bn
—segment totaldepreciation2025-04-01 → 2025-09-30¥257m
—segment totalrevenue external2025-04-01 → 2025-09-30¥8.4bn
—segment totalrevenue intersegment2025-04-01 → 2025-09-30¥170m
—segment totalsegment assetsat 2025-09-30¥827.7bn
—segment totalsegment ordinary income2025-04-01 → 2025-09-30¥919m
Total Of Reportable Segments And Otherssegment totalcapex2025-04-01 → 2025-09-30¥1.0bn
Total Of Reportable Segments And Otherssegment totaldepreciation2025-04-01 → 2025-09-30¥257m
Total Of Reportable Segments And Otherssegment totalrevenue external2025-04-01 → 2025-09-30¥8.4bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2025-04-01 → 2025-09-30¥171m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-09-30¥827.8bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2025-04-01 → 2025-09-30¥922m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2024-04-01 → 2024-09-30¥0
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2024-04-01 → 2024-09-30¥11m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2024-04-01 → 2024-09-30¥0
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2024-09-30¥150m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2024-04-01 → 2024-09-30¥0
Reconciling Itemsreconcilingdepreciation2024-04-01 → 2024-09-30¥19m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2024-09-30−¥150m
Reconciling Itemsreconcilingsegment assetsat 2024-09-30−¥3.3bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2024-09-30¥0
Bankingreportable segmentcapex2024-04-01 → 2024-09-30¥388m
Bankingreportable segmentdepreciation2024-04-01 → 2024-09-30¥228m
Bankingreportable segmentrevenue external2024-04-01 → 2024-09-30¥6.2bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥20m
Bankingreportable segmentsegment assetsat 2024-09-30¥818.7bn
Bankingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥1.2bn
Leasing And Guaranteereportable segmentcapex2024-04-01 → 2024-09-30¥0
Leasing And Guaranteereportable segmentdepreciation2024-04-01 → 2024-09-30¥0
Leasing And Guaranteereportable segmentrevenue external2024-04-01 → 2024-09-30¥1.1bn
Leasing And Guaranteereportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥130m
Leasing And Guaranteereportable segmentsegment assetsat 2024-09-30¥6.4bn
Leasing And Guaranteereportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥68m
—segment totalcapex2024-04-01 → 2024-09-30¥388m
—segment totaldepreciation2024-04-01 → 2024-09-30¥229m
—segment totalrevenue external2024-04-01 → 2024-09-30¥7.3bn
—segment totalrevenue intersegment2024-04-01 → 2024-09-30¥150m
—segment totalsegment assetsat 2024-09-30¥825.1bn
—segment totalsegment ordinary income2024-04-01 → 2024-09-30¥1.2bn
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2024-09-30¥388m
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2024-09-30¥229m
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2024-09-30¥7.4bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2024-09-30¥150m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-09-30¥825.3bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2024-09-30¥1.2bn

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

All source rows · 1,109
ItemContextValueUnit
Property plant and equipmentInterimInstant13287000000JPY
Intangible assetsPrior1YearInstant171000000JPY
Intangible assetsInterimInstant214000000JPY
Net defined benefit assetPrior1YearInstant5254000000JPY
Net defined benefit assetInterimInstant5382000000JPY
Deferred tax assetsPrior1YearInstant10000000JPY
Deferred tax assetsInterimInstant12000000JPY
Customers liabilities for acceptances and guarantees assets bnkPrior1YearInstant271000000JPY
Customers liabilities for acceptances and guarantees assets bnkInterimInstant210000000JPY
Allowance for loan losses assets bnkPrior1YearInstant-2464000000JPY
Allowance for loan losses assets bnkInterimInstant-2461000000JPY
AssetsPrior1YearInstant814723000000JPY
AssetsInterimInstant824596000000JPY
Deposits liabilities bnkPrior1YearInstant762100000000JPY
Deposits liabilities bnkInterimInstant766958000000JPY
Other liabilities liabilities bnkPrior1YearInstant5046000000JPY
Other liabilities liabilities bnkInterimInstant6510000000JPY
Net defined benefit liabilityPrior1YearInstant5000000JPY
Net defined benefit liabilityInterimInstant5000000JPY
Provision for reimbursement of deposits liabilities bnkPrior1YearInstant318000000JPY
Provision for reimbursement of deposits liabilities bnkInterimInstant302000000JPY
Provision for contingent loss liabilities bnkPrior1YearInstant76000000JPY
Provision for contingent loss liabilities bnkInterimInstant98000000JPY
Deferred tax liabilitiesPrior1YearInstant1160000000JPY
Deferred tax liabilitiesInterimInstant2122000000JPY
Deferred tax liabilities for land revaluationPrior1YearInstant822000000JPY
Deferred tax liabilities for land revaluationInterimInstant822000000JPY
Acceptances and guarantees liabilities bnkPrior1YearInstant271000000JPY
Acceptances and guarantees liabilities bnkInterimInstant210000000JPY
LiabilitiesPrior1YearInstant769801000000JPY
LiabilitiesInterimInstant777029000000JPY
Capital stockPrior1YearInstant8752000000JPY
Capital stockInterimInstant8752000000JPY
Capital surplusPrior1YearInstant7411000000JPY
Capital surplusInterimInstant7411000000JPY
Retained earningsPrior1YearInstant22344000000JPY
Retained earningsInterimInstant22750000000JPY
Treasury stockPrior1YearInstant-165000000JPY
Treasury stockInterimInstant-166000000JPY
Shareholders equityPrior1YearInstant38342000000JPY
Shareholders equityInterimInstant38749000000JPY
Valuation difference on available for sale securitiesPrior1YearInstant2511000000JPY
Valuation difference on available for sale securitiesInterimInstant4779000000JPY
Revaluation reserve for landPrior1YearInstant1253000000JPY
Revaluation reserve for landInterimInstant1259000000JPY
Remeasurements of defined benefit plansPrior1YearInstant1167000000JPY
Remeasurements of defined benefit plansInterimInstant1102000000JPY
Valuation and translation adjustmentsPrior1YearInstant4932000000JPY
Valuation and translation adjustmentsInterimInstant7140000000JPY
Non controlling interestsPrior1YearInstant1646000000JPY

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 rounding
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 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