Half-year report · HY

Period2025-04-01 → 2025-09-30
Filed2025-11-14
StandardJapan GAAP
ConsolidatedYes
Data checks24 of 24 passed
Key figures · 108
MetricValuePeriodScopeSource row
Ordinary income¥106m2025-04-01 → 2025-09-30Cons.Ordinary income
Ordinary income−¥1.2bn2024-04-01 → 2025-03-31Cons.Ordinary income loss (5-year summary)
Ordinary income−¥646m2024-04-01 → 2024-09-30Cons.Ordinary income
Ordinary income¥1.2bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥566m2023-04-01 → 2023-09-30dCons.Ordinary income loss (5-year summary)
Profit before tax¥151m2025-04-01 → 2025-09-30Cons.Income before income taxes
Profit before tax−¥944m2024-04-01 → 2024-09-30Cons.Income before income taxes
Net income (owners)¥156m2025-04-01 → 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)−¥951m2024-04-01 → 2024-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥866m2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥321m2023-04-01 → 2023-09-30dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥159m2025-04-01 → 2025-09-30Cons.Profit loss
Net income−¥951m2024-04-01 → 2024-09-30Cons.Profit loss
Total assets¥838.9bnat 2025-09-30Cons.Assets
Total assets¥805.1bnat 2025-03-31Cons.Assets
Total assets¥846.6bnat 2024-09-30Cons.Assets
Total assets¥829.0bnat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥819.6bnat 2023-09-30dCons.Total assets (5-year summary)
Total liabilities¥814.7bnat 2025-09-30Cons.Liabilities
Total liabilities¥781.0bnat 2025-03-31Cons.Liabilities
Total liabilities¥821.3bnat 2024-09-30Cons.Liabilities
Net assets / equity¥24.2bnat 2025-09-30Cons.Net assets
Net assets / equity¥24.1bnat 2025-03-31Cons.Net assets
Net assets / equity¥25.3bnat 2024-09-30Cons.Net assets
Net assets / equity¥25.1bnat 2024-03-31vCons.Net assets
Net assets / equity¥23.4bnat 2023-09-30dCons.Net assets (5-year summary)
Cash & equivalents¥78.5bnat 2025-09-30Cons.Cash and cash equivalents
Cash & equivalents¥55.0bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥98.1bnat 2024-09-30Cons.Cash and cash equivalents
Cash & equivalents¥77.9bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥71.9bnat 2023-09-30dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥27.7bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in operating activities
Operating cash flow−¥15.2bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥18.7bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥1.2bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥6.8bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥4.0bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥9.5bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥237m2024-04-01 → 2024-09-30Cons.Net cash provided by used in investment activities
Investing cash flow¥1.5bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥3.4bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥175m2025-04-01 → 2025-09-30Cons.Net cash provided by used in financing activities
Financing cash flow¥1.8bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow¥1.8bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥140m2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥140m2023-04-01 → 2023-09-30dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥4.472025-04-01 → 2025-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥-39.262024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥-32.882024-04-01 → 2024-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥30.982023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥11.52023-04-01 → 2023-09-30dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥690.57at 2025-09-30Cons.Net assets 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¥720.88at 2024-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥891.63at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥830.74at 2023-09-30dCons.Net assets per share (5-year summary)
Equity ratio2.9%at 2025-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio3.0%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio3.0%at 2024-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio3.0%at 2024-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio2.8%at 2023-09-30dCons.Equity to asset ratio (5-year summary)
Employees470at 2025-09-30Cons.Number of employees
Employees474at 2025-03-31Cons.Number of employees
Employees483at 2024-09-30Cons.Number of employees
Employees484at 2024-03-31vCons.Number of employees
Employees501at 2023-09-30dCons.Number of employees
Ordinary income¥183m2025-04-01 → 2025-09-30StandaloneOrdinary income
Ordinary income−¥1.3bn2024-04-01 → 2025-03-31StandaloneOrdinary income loss (5-year summary)
Ordinary income−¥652m2024-04-01 → 2024-09-30StandaloneOrdinary income
Ordinary income¥1.4bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥585m2023-04-01 → 2023-09-30dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥228m2025-04-01 → 2025-09-30StandaloneIncome before income taxes
Profit before tax−¥951m2024-04-01 → 2024-09-30StandaloneIncome before income taxes
Net income¥245m2025-04-01 → 2025-09-30StandaloneProfit loss
Net income−¥1.3bn2024-04-01 → 2025-03-31StandaloneNet income loss (5-year summary)
Net income−¥946m2024-04-01 → 2024-09-30StandaloneProfit loss
Net income¥1.1bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥342m2023-04-01 → 2023-09-30dStandaloneNet income loss (5-year summary)
Total assets¥836.1bnat 2025-09-30StandaloneAssets
Total assets¥802.0bnat 2025-03-31StandaloneAssets
Total assets¥843.5bnat 2024-09-30StandaloneTotal assets (5-year summary)
Total assets¥825.6bnat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥816.3bnat 2023-09-30dStandaloneTotal assets (5-year summary)
Total liabilities¥813.6bnat 2025-09-30StandaloneLiabilities
Total liabilities¥779.7bnat 2025-03-31StandaloneLiabilities
Net assets / equity¥22.5bnat 2025-09-30StandaloneNet assets
Net assets / equity¥22.2bnat 2025-03-31StandaloneNet assets
Net assets / equity¥23.5bnat 2024-09-30StandaloneNet assets
Net assets / equity¥23.3bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥21.4bnat 2023-09-30dStandaloneNet assets (5-year summary)
Dividend per share¥52024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥52023-04-01 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Equity ratio2.7%at 2025-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio2.8%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio2.8%at 2024-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio2.8%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio2.6%at 2023-09-30dStandaloneEquity to asset ratio (5-year summary)
Shares issued34,900,000at 2025-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued34,900,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued34,900,000at 2024-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2023-09-30dStandaloneTotal number of issued shares (5-year summary)
Employees424at 2025-09-30StandaloneNumber of employees
Employees431at 2025-03-31StandaloneNumber of employees
Employees441at 2024-09-30StandaloneNumber of employees
Employees439at 2024-03-31vStandaloneNumber of employees
Employees457at 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 · 53
SegmentItemPeriodValue
Reconciling Itemsreconcilingdepreciation2025-04-01 → 2025-09-30−¥1m
Reconciling Itemsreconcilingrevenue intersegment2025-04-01 → 2025-09-30−¥74m
Reconciling Itemsreconcilingsegment assetsat 2025-09-30−¥2.9bn
Bankingreportable segmentcapex2025-04-01 → 2025-09-30¥83m
Bankingreportable segmentdepreciation2025-04-01 → 2025-09-30¥267m
Bankingreportable segmentrevenue external2025-04-01 → 2025-09-30¥6.0bn
Bankingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥37m
Bankingreportable segmentsegment assetsat 2025-09-30¥835.2bn
Bankingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥96m
Credit Card And Credit Guaranteereportable segmentcapex2025-04-01 → 2025-09-30¥1m
Credit Card And Credit Guaranteereportable segmentdepreciation2025-04-01 → 2025-09-30¥1m
Credit Card And Credit Guaranteereportable segmentrevenue external2025-04-01 → 2025-09-30¥56m
Credit Card And Credit Guaranteereportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥0
Credit Card And Credit Guaranteereportable segmentsegment assetsat 2025-09-30¥676m
Credit Card And Credit Guaranteereportable segmentsegment ordinary income2025-04-01 → 2025-09-30−¥6m
Leasingreportable segmentcapex2025-04-01 → 2025-09-30¥15m
Leasingreportable segmentdepreciation2025-04-01 → 2025-09-30¥18m
Leasingreportable segmentrevenue external2025-04-01 → 2025-09-30¥1.1bn
Leasingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥36m
Leasingreportable segmentsegment assetsat 2025-09-30¥5.9bn
Leasingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥16m
Total Of Reportable Segments And Otherssegment totalcapex2025-04-01 → 2025-09-30¥100m
Total Of Reportable Segments And Otherssegment totaldepreciation2025-04-01 → 2025-09-30¥288m
Total Of Reportable Segments And Otherssegment totalrevenue external2025-04-01 → 2025-09-30¥7.2bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2025-04-01 → 2025-09-30¥74m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-09-30¥841.8bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2025-04-01 → 2025-09-30¥106m
Reconciling Itemsreconcilingdepreciation2024-04-01 → 2024-09-30−¥1m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2024-09-30−¥68m
Reconciling Itemsreconcilingsegment assetsat 2024-09-30−¥2.3bn
Bankingreportable segmentcapex2024-04-01 → 2024-09-30¥760m
Bankingreportable segmentdepreciation2024-04-01 → 2024-09-30¥265m
Bankingreportable segmentrevenue external2024-04-01 → 2024-09-30¥5.4bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥31m
Bankingreportable segmentsegment assetsat 2024-09-30¥842.7bn
Bankingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30−¥656m
Credit Card And Credit Guaranteereportable segmentdepreciation2024-04-01 → 2024-09-30¥1m
Credit Card And Credit Guaranteereportable segmentrevenue external2024-04-01 → 2024-09-30¥74m
Credit Card And Credit Guaranteereportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥0
Credit Card And Credit Guaranteereportable segmentsegment assetsat 2024-09-30¥715m
Credit Card And Credit Guaranteereportable segmentsegment ordinary income2024-04-01 → 2024-09-30−¥10m
Leasingreportable segmentcapex2024-04-01 → 2024-09-30¥7m
Leasingreportable segmentdepreciation2024-04-01 → 2024-09-30¥19m
Leasingreportable segmentrevenue external2024-04-01 → 2024-09-30¥1.2bn
Leasingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥36m
Leasingreportable segmentsegment assetsat 2024-09-30¥5.5bn
Leasingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥20m
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2024-09-30¥768m
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2024-09-30¥286m
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2024-09-30¥6.6bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2024-09-30¥68m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-09-30¥848.9bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2024-09-30−¥646m

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

All source rows · 1,112
ItemContextValueUnit
Net cash provided by used in operating activitiesPrior1InterimDuration18665000000JPY
Net cash provided by used in operating activitiesInterimDuration27715000000JPY
Purchase of securities inv cfbnkPrior1InterimDuration-6762000000JPY
Purchase of securities inv cfbnkInterimDuration-11606000000JPY
Proceeds from sales of securities inv cfbnkPrior1InterimDuration1562000000JPY
Proceeds from sales of securities inv cfbnkInterimDuration738000000JPY
Proceeds from redemption of securities inv cfbnkPrior1InterimDuration5731000000JPY
Proceeds from redemption of securities inv cfbnkInterimDuration6866000000JPY
Purchase of property plant and equipment inv cfPrior1InterimDuration-719000000JPY
Purchase of property plant and equipment inv cfInterimDuration-74000000JPY
Purchase of intangible assets inv cfPrior1InterimDuration-49000000JPY
Purchase of intangible assets inv cfInterimDuration-26000000JPY
Proceeds from sales of property plant and equipment inv cfPrior1InterimDuration-JPY
Proceeds from sales of property plant and equipment inv cfInterimDuration94000000JPY
Net cash provided by used in investment activitiesPrior1InterimDuration-237000000JPY
Net cash provided by used in investment activitiesInterimDuration-4007000000JPY
Proceeds from issuance of common stock fin cfPrior1InterimDuration1911000000JPY
Proceeds from issuance of common stock fin cfInterimDuration-JPY
Purchase of treasury stock fin cfPrior1InterimDuration-0JPY
Purchase of treasury stock fin cfInterimDuration-0JPY
Cash dividends paid fin cfPrior1InterimDuration-139000000JPY
Cash dividends paid fin cfInterimDuration-174000000JPY
Dividends paid to non controlling interests fin cfPrior1InterimDuration-0JPY
Dividends paid to non controlling interests fin cfInterimDuration-0JPY
Net cash provided by used in financing activitiesPrior1InterimDuration1770000000JPY
Net cash provided by used in financing activitiesInterimDuration-175000000JPY
Effect of exchange rate change on cash and cash equivalentsPrior1InterimDuration-JPY
Effect of exchange rate change on cash and cash equivalentsInterimDuration-JPY
Net increase decrease in cash and cash equivalentsPrior1InterimDuration20197000000JPY
Net increase decrease in cash and cash equivalentsInterimDuration23533000000JPY
Cash and cash equivalentsPrior2YearInstant77907000000JPY
Cash and cash equivalentsPrior1YearInstant54961000000JPY
Cash and cash equivalentsPrior1InterimInstant98104000000JPY
Cash and cash equivalentsInterimInstant78495000000JPY
Number of consolidated subsidiariesInterimInstant3
Accumulated depreciation ppe by groupPrior1YearInstant-15847000000JPY
Accumulated depreciation ppe by groupInterimInstant-15860000000JPY
Revenues from external customersPrior1InterimDuration_jpcrp040300-ssr_E03637-000BankingReportableSegmentsMember5374000000JPY
Revenues from external customersPrior1InterimDuration_jpcrp040300-ssr_E03637-000LeasingReportableSegmentsMember1155000000JPY
Revenues from external customersPrior1InterimDuration_jpcrp040300-ssr_E03637-000CreditCardAndCreditGuaranteeReportableSegmentsMember74000000JPY
Revenues from external customersPrior1InterimDuration_TotalOfReportableSegmentsAndOthersMember6604000000JPY
Revenues from external customersPrior1InterimDuration_ReconcilingItemsMember-JPY
Revenues from external customersPrior1InterimDuration6604000000JPY
Transactions with other segmentsPrior1InterimDuration_jpcrp040300-ssr_E03637-000BankingReportableSegmentsMember31000000JPY
Transactions with other segmentsPrior1InterimDuration_jpcrp040300-ssr_E03637-000LeasingReportableSegmentsMember36000000JPY
Transactions with other segmentsPrior1InterimDuration_jpcrp040300-ssr_E03637-000CreditCardAndCreditGuaranteeReportableSegmentsMember0JPY
Transactions with other segmentsPrior1InterimDuration_TotalOfReportableSegmentsAndOthersMember68000000JPY
Transactions with other segmentsPrior1InterimDuration_ReconcilingItemsMember-68000000JPY
Transactions with other segmentsPrior1InterimDuration-JPY
Ordinary income bnkPrior1InterimDuration_jpcrp040300-ssr_E03637-000BankingReportableSegmentsMember5406000000JPY

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 rounding
balance sheet identityconsolidated 2025-09-30pass
balance sheet identitynon_consolidated 2025-03-31pass rounding
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