Annual report

Period2024-04-01 → 2025-03-31
Filed2025-06-23
StandardJapan GAAP
ConsolidatedYes
Data checks20 of 20 passed
Key figures · 129
MetricValuePeriodScopeSource row
Ordinary income−¥1.2bn2024-04-01 → 2025-03-31Cons.Ordinary income
Ordinary income¥1.2bn2023-04-01 → 2024-03-31Cons.Ordinary income
Ordinary income¥1.1bn2022-04-01 → 2023-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥794m2021-04-01 → 2022-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income−¥1.7bn2020-04-01 → 2021-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax−¥1.5bn2024-04-01 → 2025-03-31Cons.Income before income taxes
Profit before tax¥1.2bn2023-04-01 → 2024-03-31Cons.Income before income taxes
Net income (owners)−¥1.3bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥866m2023-04-01 → 2024-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥868m2022-04-01 → 2023-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥826m2021-04-01 → 2022-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)−¥1.7bn2020-04-01 → 2021-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income−¥1.2bn2024-04-01 → 2025-03-31Cons.Profit loss
Net income¥869m2023-04-01 → 2024-03-31Cons.Profit loss
Total assets¥805.1bnat 2025-03-31Cons.Assets
Total assets¥829.0bnat 2024-03-31Cons.Assets
Total assets¥839.9bnat 2023-03-31dCons.Total assets (5-year summary)
Total assets¥842.2bnat 2022-03-31dCons.Total assets (5-year summary)
Total assets¥825.8bnat 2021-03-31dCons.Total assets (5-year summary)
Total liabilities¥781.0bnat 2025-03-31Cons.Liabilities
Total liabilities¥803.9bnat 2024-03-31Cons.Liabilities
Net assets / equity¥24.1bnat 2025-03-31Cons.Net assets
Net assets / equity¥25.1bnat 2024-03-31Cons.Net assets
Net assets / equity¥24.3bnat 2023-03-31dCons.Net assets
Net assets / equity¥27.4bnat 2022-03-31dCons.Net assets (5-year summary)
Net assets / equity¥29.6bnat 2021-03-31dCons.Net assets (5-year summary)
Cash & equivalents¥55.0bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥77.9bnat 2024-03-31Cons.Cash and cash equivalents
Cash & equivalents¥75.4bnat 2023-03-31dCons.Cash and cash equivalents
Cash & equivalents¥89.4bnat 2022-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥90.4bnat 2021-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow−¥15.2bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥1.2bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in operating activities
Operating cash flow−¥7.4bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥13.2bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥39.1bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥9.5bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥1.5bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥6.5bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥14.2bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥23.1bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow¥1.8bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥140m2023-04-01 → 2024-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥140m2022-04-01 → 2023-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥1m2021-04-01 → 2022-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥113m2020-04-01 → 2021-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥-39.262024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥30.982023-04-01 → 2024-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥31.052022-04-01 → 2023-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥29.562021-04-01 → 2022-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥-61.622020-04-01 → 2021-03-31dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥685.63at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥891.63at 2024-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥862.71at 2023-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥973.11at 2022-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥1,055.16at 2021-03-31dCons.Net assets per share (5-year summary)
Equity ratio3.0%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio3.0%at 2024-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio2.9%at 2023-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio3.2%at 2022-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio3.6%at 2021-03-31dCons.Equity to asset ratio (5-year summary)
ROE-5.1%2024-04-01 → 2025-03-31Cons.Rate of return on equity (5-year summary)
ROE3.5%2023-04-01 → 2024-03-31Cons.Rate of return on equity (5-year summary)
ROE3.4%2022-04-01 → 2023-03-31dCons.Rate of return on equity (5-year summary)
ROE2.9%2021-04-01 → 2022-03-31dCons.Rate of return on equity (5-year summary)
ROE-6.1%2020-04-01 → 2021-03-31dCons.Rate of return on equity (5-year summary)
Employees474at 2025-03-31Cons.Number of employees
Employees484at 2024-03-31Cons.Number of employees
Employees498at 2023-03-31dCons.Number of employees
Employees512at 2022-03-31dCons.Number of employees
Employees528at 2021-03-31dCons.Number of employees
Ordinary income−¥1.3bn2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income¥1.4bn2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥1.0bn2022-04-01 → 2023-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥727m2021-04-01 → 2022-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income−¥1.8bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax−¥1.6bn2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Profit before tax¥1.4bn2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Net income−¥1.3bn2024-04-01 → 2025-03-31StandaloneProfit loss
Net income¥1.1bn2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥790m2022-04-01 → 2023-03-31dStandaloneNet income loss (5-year summary)
Net income¥826m2021-04-01 → 2022-03-31dStandaloneNet income loss (5-year summary)
Net income−¥1.7bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Total assets¥802.0bnat 2025-03-31StandaloneAssets
Total assets¥825.6bnat 2024-03-31StandaloneAssets
Total assets¥836.3bnat 2023-03-31dStandaloneTotal assets (5-year summary)
Total assets¥839.2bnat 2022-03-31dStandaloneTotal assets (5-year summary)
Total assets¥822.3bnat 2021-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥779.7bnat 2025-03-31StandaloneLiabilities
Total liabilities¥802.3bnat 2024-03-31StandaloneLiabilities
Net assets / equity¥22.2bnat 2025-03-31StandaloneNet assets
Net assets / equity¥23.3bnat 2024-03-31StandaloneNet assets
Net assets / equity¥22.3bnat 2023-03-31dStandaloneNet assets
Net assets / equity¥25.4bnat 2022-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥27.7bnat 2021-03-31dStandaloneNet assets (5-year summary)
EPS (basic)¥-40.842024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥40.152023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥28.252022-04-01 → 2023-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥29.532021-04-01 → 2022-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥-62.312020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
Dividend per share¥52024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥52023-04-01 → 2024-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥52022-04-01 → 2023-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥52021-04-01 → 2022-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥636.73at 2025-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥831.5at 2024-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥797.17at 2023-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥908.72at 2022-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥990.89at 2021-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio2.8%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio2.8%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio2.7%at 2023-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio3.0%at 2022-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio3.4%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE-5.7%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE4.9%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE3.3%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)
ROE-6.6%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued34,900,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2023-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2022-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees431at 2025-03-31StandaloneNumber of employees
Employees439at 2024-03-31StandaloneNumber of employees
Employees456at 2023-03-31dStandaloneNumber of employees
Employees471at 2022-03-31dStandaloneNumber of employees
Employees485at 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 · 57
SegmentItemPeriodValue
Reconciling Itemsreconcilingdepreciation2024-04-01 → 2025-03-31−¥3m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2025-03-31−¥139m
Reconciling Itemsreconcilingsegment assetsat 2025-03-31−¥2.3bn
Bankingreportable segmentcapex2024-04-01 → 2025-03-31¥1.3bn
Bankingreportable segmentdepreciation2024-04-01 → 2025-03-31¥553m
Bankingreportable segmentemployeesat 2025-03-31466 pure
Bankingreportable segmentrevenue external2024-04-01 → 2025-03-31¥11.0bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥64m
Bankingreportable segmentsegment assetsat 2025-03-31¥801.1bn
Bankingreportable segmentsegment ordinary income2024-04-01 → 2025-03-31−¥1.2bn
Credit Card Credit Guaranteereportable segmentcapex2024-04-01 → 2025-03-31¥0
Credit Card Credit Guaranteereportable segmentdepreciation2024-04-01 → 2025-03-31¥3m
Credit Card Credit Guaranteereportable segmentemployeesat 2025-03-312 pure
Credit Card Credit Guaranteereportable segmentrevenue external2024-04-01 → 2025-03-31¥121m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥0
Credit Card Credit Guaranteereportable segmentsegment assetsat 2025-03-31¥706m
Credit Card Credit Guaranteereportable segmentsegment ordinary income2024-04-01 → 2025-03-31−¥13m
Leasingreportable segmentcapex2024-04-01 → 2025-03-31¥46m
Leasingreportable segmentdepreciation2024-04-01 → 2025-03-31¥40m
Leasingreportable segmentemployeesat 2025-03-316 pure
Leasingreportable segmentrevenue external2024-04-01 → 2025-03-31¥2.3bn
Leasingreportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥73m
Leasingreportable segmentsegment assetsat 2025-03-31¥5.6bn
Leasingreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥84m
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2025-03-31¥1.3bn
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2025-03-31¥597m
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2025-03-31¥13.4bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2025-03-31¥139m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-03-31¥807.4bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2025-03-31−¥1.2bn
Reconciling Itemsreconcilingdepreciation2023-04-01 → 2024-03-31−¥4m
Reconciling Itemsreconcilingrevenue intersegment2023-04-01 → 2024-03-31−¥139m
Reconciling Itemsreconcilingsegment assetsat 2024-03-31−¥2.1bn
Bankingreportable segmentcapex2023-04-01 → 2024-03-31¥708m
Bankingreportable segmentdepreciation2023-04-01 → 2024-03-31¥498m
Bankingreportable segmentrevenue external2023-04-01 → 2024-03-31¥10.8bn
Bankingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥63m
Bankingreportable segmentsegment assetsat 2024-03-31¥824.7bn
Bankingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥1.1bn
Credit Card Credit Guaranteereportable segmentcapex2023-04-01 → 2024-03-31¥0
Credit Card Credit Guaranteereportable segmentdepreciation2023-04-01 → 2024-03-31¥4m
Credit Card Credit Guaranteereportable segmentrevenue external2023-04-01 → 2024-03-31¥123m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥0
Credit Card Credit Guaranteereportable segmentsegment assetsat 2024-03-31¥761m
Credit Card Credit Guaranteereportable segmentsegment ordinary income2023-04-01 → 2024-03-31−¥13m
Leasingreportable segmentcapex2023-04-01 → 2024-03-31¥46m
Leasingreportable segmentdepreciation2023-04-01 → 2024-03-31¥40m
Leasingreportable segmentrevenue external2023-04-01 → 2024-03-31¥2.4bn
Leasingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥75m
Leasingreportable segmentsegment assetsat 2024-03-31¥5.6bn
Leasingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥62m
Total Of Reportable Segments And Otherssegment totalcapex2023-04-01 → 2024-03-31¥754m
Total Of Reportable Segments And Otherssegment totaldepreciation2023-04-01 → 2024-03-31¥543m
Total Of Reportable Segments And Otherssegment totalrevenue external2023-04-01 → 2024-03-31¥13.3bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2023-04-01 → 2024-03-31¥139m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-03-31¥831.1bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2023-04-01 → 2024-03-31¥1.2bn

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

All source rows · 1,627
ItemContextValueUnit
Deposits liabilities bnkPrior1YearInstant790430000000JPY
Deposits liabilities bnkCurrentYearInstant761793000000JPY
Negotiable certificates of deposit liabilities bnkPrior1YearInstant7674000000JPY
Negotiable certificates of deposit liabilities bnkCurrentYearInstant13757000000JPY
Borrowed money liabilities bnkPrior1YearInstant2130000000JPY
Borrowed money liabilities bnkCurrentYearInstant2114000000JPY
Other liabilities liabilities bnkPrior1YearInstant2335000000JPY
Other liabilities liabilities bnkCurrentYearInstant2197000000JPY
Provision for bonusesPrior1YearInstant175000000JPY
Provision for bonusesCurrentYearInstant176000000JPY
Net defined benefit liabilityPrior1YearInstant64000000JPY
Net defined benefit liabilityCurrentYearInstant59000000JPY
Provision for reimbursement of deposits liabilities bnkPrior1YearInstant51000000JPY
Provision for reimbursement of deposits liabilities bnkCurrentYearInstant29000000JPY
Provision for loss on interest repayment liabilities bnkPrior1YearInstant3000000JPY
Provision for loss on interest repayment liabilities bnkCurrentYearInstant3000000JPY
Deferred tax liabilitiesPrior1YearInstant27000000JPY
Deferred tax liabilitiesCurrentYearInstant28000000JPY
Deferred tax liabilities for land revaluationPrior1YearInstant641000000JPY
Deferred tax liabilities for land revaluationCurrentYearInstant645000000JPY
Acceptances and guarantees liabilities bnkPrior1YearInstant334000000JPY
Acceptances and guarantees liabilities bnkCurrentYearInstant234000000JPY
LiabilitiesPrior1YearInstant803866000000JPY
LiabilitiesCurrentYearInstant781038000000JPY
Capital stockPrior1YearInstant18682000000JPY
Capital stockCurrentYearInstant19638000000JPY
Capital surplusPrior1YearInstant1802000000JPY
Capital surplusCurrentYearInstant2758000000JPY
Retained earningsPrior1YearInstant10450000000JPY
Retained earningsCurrentYearInstant8931000000JPY
Treasury stockPrior1YearInstant-20000000JPY
Treasury stockCurrentYearInstant-20000000JPY
Shareholders equityPrior1YearInstant30915000000JPY
Shareholders equityCurrentYearInstant31307000000JPY
Valuation difference on available for sale securitiesPrior1YearInstant-6693000000JPY
Valuation difference on available for sale securitiesCurrentYearInstant-8199000000JPY
Revaluation reserve for landPrior1YearInstant717000000JPY
Revaluation reserve for landCurrentYearInstant826000000JPY
Remeasurements of defined benefit plansPrior1YearInstant3000000JPY
Remeasurements of defined benefit plansCurrentYearInstant-25000000JPY
Valuation and translation adjustmentsPrior1YearInstant-5972000000JPY
Valuation and translation adjustmentsCurrentYearInstant-7397000000JPY
Non controlling interestsPrior1YearInstant143000000JPY
Non controlling interestsCurrentYearInstant147000000JPY
Net assetsPrior1YearInstant25086000000JPY
Net assetsCurrentYearInstant24057000000JPY
Liabilities and net assetsPrior1YearInstant828952000000JPY
Liabilities and net assetsCurrentYearInstant805096000000JPY
Ordinary income bnkPrior1YearDuration13303000000JPY
Ordinary income bnkCurrentYearDuration13417000000JPY

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