Half-year report · HY
8562.TEDINET S100X3GI
Period2025-04-01 → 2025-09-30
Filed2025-11-14
StandardJapan GAAP
ConsolidatedYes
Data checks24 of 24 passed
Key figures · 108
| Metric | Value | Period | Scope | Source row |
|---|---|---|---|---|
| Ordinary income | ¥106m | 2025-04-01 → 2025-09-30 | Cons. | Ordinary income |
| Ordinary income | −¥1.2bn | 2024-04-01 → 2025-03-31 | Cons. | Ordinary income loss (5-year summary) |
| Ordinary income | −¥646m | 2024-04-01 → 2024-09-30 | Cons. | Ordinary income |
| Ordinary income | ¥1.2bn | 2023-04-01 → 2024-03-31v | Cons. | Ordinary income loss (5-year summary) |
| Ordinary income | ¥566m | 2023-04-01 → 2023-09-30d | Cons. | Ordinary income loss (5-year summary) |
| Profit before tax | ¥151m | 2025-04-01 → 2025-09-30 | Cons. | Income before income taxes |
| Profit before tax | −¥944m | 2024-04-01 → 2024-09-30 | Cons. | Income before income taxes |
| Net income (owners) | ¥156m | 2025-04-01 → 2025-09-30 | Cons. | Profit loss attributable to owners of parent |
| Net income (owners) | −¥1.3bn | 2024-04-01 → 2025-03-31 | Cons. | Profit loss attributable to owners of parent (5-year summary) |
| Net income (owners) | −¥951m | 2024-04-01 → 2024-09-30 | Cons. | Profit loss attributable to owners of parent |
| Net income (owners) | ¥866m | 2023-04-01 → 2024-03-31v | Cons. | Profit loss attributable to owners of parent (5-year summary) |
| Net income (owners) | ¥321m | 2023-04-01 → 2023-09-30d | Cons. | Profit loss attributable to owners of parent (5-year summary) |
| Net income | ¥159m | 2025-04-01 → 2025-09-30 | Cons. | Profit loss |
| Net income | −¥951m | 2024-04-01 → 2024-09-30 | Cons. | Profit loss |
| Total assets | ¥838.9bn | at 2025-09-30 | Cons. | Assets |
| Total assets | ¥805.1bn | at 2025-03-31 | Cons. | Assets |
| Total assets | ¥846.6bn | at 2024-09-30 | Cons. | Assets |
| Total assets | ¥829.0bn | at 2024-03-31v | Cons. | Total assets (5-year summary) |
| Total assets | ¥819.6bn | at 2023-09-30d | Cons. | Total assets (5-year summary) |
| Total liabilities | ¥814.7bn | at 2025-09-30 | Cons. | Liabilities |
| Total liabilities | ¥781.0bn | at 2025-03-31 | Cons. | Liabilities |
| Total liabilities | ¥821.3bn | at 2024-09-30 | Cons. | Liabilities |
| Net assets / equity | ¥24.2bn | at 2025-09-30 | Cons. | Net assets |
| Net assets / equity | ¥24.1bn | at 2025-03-31 | Cons. | Net assets |
| Net assets / equity | ¥25.3bn | at 2024-09-30 | Cons. | Net assets |
| Net assets / equity | ¥25.1bn | at 2024-03-31v | Cons. | Net assets |
| Net assets / equity | ¥23.4bn | at 2023-09-30d | Cons. | Net assets (5-year summary) |
| Cash & equivalents | ¥78.5bn | at 2025-09-30 | Cons. | Cash and cash equivalents |
| Cash & equivalents | ¥55.0bn | at 2025-03-31 | Cons. | Cash and cash equivalents |
| Cash & equivalents | ¥98.1bn | at 2024-09-30 | Cons. | Cash and cash equivalents |
| Cash & equivalents | ¥77.9bn | at 2024-03-31v | Cons. | Cash and cash equivalents |
| Cash & equivalents | ¥71.9bn | at 2023-09-30d | Cons. | Cash and cash equivalents (5-year summary) |
| Operating cash flow | ¥27.7bn | 2025-04-01 → 2025-09-30 | Cons. | Net cash provided by used in operating activities |
| Operating cash flow | −¥15.2bn | 2024-04-01 → 2025-03-31 | Cons. | Net cash provided by used in operating activities (5-year summary) |
| Operating cash flow | ¥18.7bn | 2024-04-01 → 2024-09-30 | Cons. | Net cash provided by used in operating activities |
| Operating cash flow | ¥1.2bn | 2023-04-01 → 2024-03-31v | Cons. | Net cash provided by used in operating activities (5-year summary) |
| Operating cash flow | −¥6.8bn | 2023-04-01 → 2023-09-30d | Cons. | Net cash provided by used in operating activities (5-year summary) |
| Investing cash flow | −¥4.0bn | 2025-04-01 → 2025-09-30 | Cons. | Net cash provided by used in investment activities |
| Investing cash flow | −¥9.5bn | 2024-04-01 → 2025-03-31 | Cons. | Net cash provided by used in investing activities (5-year summary) |
| Investing cash flow | −¥237m | 2024-04-01 → 2024-09-30 | Cons. | Net cash provided by used in investment activities |
| Investing cash flow | ¥1.5bn | 2023-04-01 → 2024-03-31v | Cons. | Net cash provided by used in investing activities (5-year summary) |
| Investing cash flow | ¥3.4bn | 2023-04-01 → 2023-09-30d | Cons. | Net cash provided by used in investing activities (5-year summary) |
| Financing cash flow | −¥175m | 2025-04-01 → 2025-09-30 | Cons. | Net cash provided by used in financing activities |
| Financing cash flow | ¥1.8bn | 2024-04-01 → 2025-03-31 | Cons. | Net cash provided by used in financing activities (5-year summary) |
| Financing cash flow | ¥1.8bn | 2024-04-01 → 2024-09-30 | Cons. | Net cash provided by used in financing activities |
| Financing cash flow | −¥140m | 2023-04-01 → 2024-03-31v | Cons. | Net cash provided by used in financing activities (5-year summary) |
| Financing cash flow | −¥140m | 2023-04-01 → 2023-09-30d | Cons. | Net cash provided by used in financing activities (5-year summary) |
| EPS (basic) | ¥4.47 | 2025-04-01 → 2025-09-30 | Cons. | Basic earnings loss per share (5-year summary) |
| EPS (basic) | ¥-39.26 | 2024-04-01 → 2025-03-31 | Cons. | Basic earnings loss per share (5-year summary) |
| EPS (basic) | ¥-32.88 | 2024-04-01 → 2024-09-30 | Cons. | Basic earnings loss per share (5-year summary) |
| EPS (basic) | ¥30.98 | 2023-04-01 → 2024-03-31v | Cons. | Basic earnings loss per share (5-year summary) |
| EPS (basic) | ¥11.5 | 2023-04-01 → 2023-09-30d | Cons. | Basic earnings loss per share (5-year summary) |
| Net assets per share | ¥690.57 | at 2025-09-30 | Cons. | Net assets per share (5-year summary) |
| Net assets per share | ¥685.63 | at 2025-03-31 | Cons. | Net assets per share (5-year summary) |
| Net assets per share | ¥720.88 | at 2024-09-30 | Cons. | Net assets per share (5-year summary) |
| Net assets per share | ¥891.63 | at 2024-03-31v | Cons. | Net assets per share (5-year summary) |
| Net assets per share | ¥830.74 | at 2023-09-30d | Cons. | Net assets per share (5-year summary) |
| Equity ratio | 2.9% | at 2025-09-30 | Cons. | Equity to asset ratio (5-year summary) |
| Equity ratio | 3.0% | at 2025-03-31 | Cons. | Equity to asset ratio (5-year summary) |
| Equity ratio | 3.0% | at 2024-09-30 | Cons. | Equity to asset ratio (5-year summary) |
| Equity ratio | 3.0% | at 2024-03-31v | Cons. | Equity to asset ratio (5-year summary) |
| Equity ratio | 2.8% | at 2023-09-30d | Cons. | Equity to asset ratio (5-year summary) |
| Employees | 470 | at 2025-09-30 | Cons. | Number of employees |
| Employees | 474 | at 2025-03-31 | Cons. | Number of employees |
| Employees | 483 | at 2024-09-30 | Cons. | Number of employees |
| Employees | 484 | at 2024-03-31v | Cons. | Number of employees |
| Employees | 501 | at 2023-09-30d | Cons. | Number of employees |
| Ordinary income | ¥183m | 2025-04-01 → 2025-09-30 | Standalone | Ordinary income |
| Ordinary income | −¥1.3bn | 2024-04-01 → 2025-03-31 | Standalone | Ordinary income loss (5-year summary) |
| Ordinary income | −¥652m | 2024-04-01 → 2024-09-30 | Standalone | Ordinary income |
| Ordinary income | ¥1.4bn | 2023-04-01 → 2024-03-31v | Standalone | Ordinary income loss (5-year summary) |
| Ordinary income | ¥585m | 2023-04-01 → 2023-09-30d | Standalone | Ordinary income loss (5-year summary) |
| Profit before tax | ¥228m | 2025-04-01 → 2025-09-30 | Standalone | Income before income taxes |
| Profit before tax | −¥951m | 2024-04-01 → 2024-09-30 | Standalone | Income before income taxes |
| Net income | ¥245m | 2025-04-01 → 2025-09-30 | Standalone | Profit loss |
| Net income | −¥1.3bn | 2024-04-01 → 2025-03-31 | Standalone | Net income loss (5-year summary) |
| Net income | −¥946m | 2024-04-01 → 2024-09-30 | Standalone | Profit loss |
| Net income | ¥1.1bn | 2023-04-01 → 2024-03-31v | Standalone | Net income loss (5-year summary) |
| Net income | ¥342m | 2023-04-01 → 2023-09-30d | Standalone | Net income loss (5-year summary) |
| Total assets | ¥836.1bn | at 2025-09-30 | Standalone | Assets |
| Total assets | ¥802.0bn | at 2025-03-31 | Standalone | Assets |
| Total assets | ¥843.5bn | at 2024-09-30 | Standalone | Total assets (5-year summary) |
| Total assets | ¥825.6bn | at 2024-03-31v | Standalone | Total assets (5-year summary) |
| Total assets | ¥816.3bn | at 2023-09-30d | Standalone | Total assets (5-year summary) |
| Total liabilities | ¥813.6bn | at 2025-09-30 | Standalone | Liabilities |
| Total liabilities | ¥779.7bn | at 2025-03-31 | Standalone | Liabilities |
| Net assets / equity | ¥22.5bn | at 2025-09-30 | Standalone | Net assets |
| Net assets / equity | ¥22.2bn | at 2025-03-31 | Standalone | Net assets |
| Net assets / equity | ¥23.5bn | at 2024-09-30 | Standalone | Net assets |
| Net assets / equity | ¥23.3bn | at 2024-03-31v | Standalone | Net assets |
| Net assets / equity | ¥21.4bn | at 2023-09-30d | Standalone | Net assets (5-year summary) |
| Dividend per share | ¥5 | 2024-04-01 → 2025-03-31 | Standalone | Dividend paid per share (5-year summary) |
| Dividend per share | ¥5 | 2023-04-01 → 2024-03-31v | Standalone | Dividend paid per share (5-year summary) |
| Equity ratio | 2.7% | at 2025-09-30 | Standalone | Equity to asset ratio (5-year summary) |
| Equity ratio | 2.8% | at 2025-03-31 | Standalone | Equity to asset ratio (5-year summary) |
| Equity ratio | 2.8% | at 2024-09-30 | Standalone | Equity to asset ratio (5-year summary) |
| Equity ratio | 2.8% | at 2024-03-31v | Standalone | Equity to asset ratio (5-year summary) |
| Equity ratio | 2.6% | at 2023-09-30d | Standalone | Equity to asset ratio (5-year summary) |
| Shares issued | 34,900,000 | at 2025-09-30 | Standalone | Total number of issued shares (5-year summary) |
| Shares issued | 34,900,000 | at 2025-03-31 | Standalone | Total number of issued shares (5-year summary) |
| Shares issued | 34,900,000 | at 2024-09-30 | Standalone | Total number of issued shares (5-year summary) |
| Shares issued | 28,000,000 | at 2024-03-31v | Standalone | Total number of issued shares (5-year summary) |
| Shares issued | 28,000,000 | at 2023-09-30d | Standalone | Total number of issued shares (5-year summary) |
| Employees | 424 | at 2025-09-30 | Standalone | Number of employees |
| Employees | 431 | at 2025-03-31 | Standalone | Number of employees |
| Employees | 441 | at 2024-09-30 | Standalone | Number of employees |
| Employees | 439 | at 2024-03-31v | Standalone | Number of employees |
| Employees | 457 | at 2023-09-30d | Standalone | Number 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
| Segment | Item | Period | Value |
|---|---|---|---|
| Reconciling Itemsreconciling | depreciation | 2025-04-01 → 2025-09-30 | −¥1m |
| Reconciling Itemsreconciling | revenue intersegment | 2025-04-01 → 2025-09-30 | −¥74m |
| Reconciling Itemsreconciling | segment assets | at 2025-09-30 | −¥2.9bn |
| Bankingreportable segment | capex | 2025-04-01 → 2025-09-30 | ¥83m |
| Bankingreportable segment | depreciation | 2025-04-01 → 2025-09-30 | ¥267m |
| Bankingreportable segment | revenue external | 2025-04-01 → 2025-09-30 | ¥6.0bn |
| Bankingreportable segment | revenue intersegment | 2025-04-01 → 2025-09-30 | ¥37m |
| Bankingreportable segment | segment assets | at 2025-09-30 | ¥835.2bn |
| Bankingreportable segment | segment ordinary income | 2025-04-01 → 2025-09-30 | ¥96m |
| Credit Card And Credit Guaranteereportable segment | capex | 2025-04-01 → 2025-09-30 | ¥1m |
| Credit Card And Credit Guaranteereportable segment | depreciation | 2025-04-01 → 2025-09-30 | ¥1m |
| Credit Card And Credit Guaranteereportable segment | revenue external | 2025-04-01 → 2025-09-30 | ¥56m |
| Credit Card And Credit Guaranteereportable segment | revenue intersegment | 2025-04-01 → 2025-09-30 | ¥0 |
| Credit Card And Credit Guaranteereportable segment | segment assets | at 2025-09-30 | ¥676m |
| Credit Card And Credit Guaranteereportable segment | segment ordinary income | 2025-04-01 → 2025-09-30 | −¥6m |
| Leasingreportable segment | capex | 2025-04-01 → 2025-09-30 | ¥15m |
| Leasingreportable segment | depreciation | 2025-04-01 → 2025-09-30 | ¥18m |
| Leasingreportable segment | revenue external | 2025-04-01 → 2025-09-30 | ¥1.1bn |
| Leasingreportable segment | revenue intersegment | 2025-04-01 → 2025-09-30 | ¥36m |
| Leasingreportable segment | segment assets | at 2025-09-30 | ¥5.9bn |
| Leasingreportable segment | segment ordinary income | 2025-04-01 → 2025-09-30 | ¥16m |
| Total Of Reportable Segments And Otherssegment total | capex | 2025-04-01 → 2025-09-30 | ¥100m |
| Total Of Reportable Segments And Otherssegment total | depreciation | 2025-04-01 → 2025-09-30 | ¥288m |
| Total Of Reportable Segments And Otherssegment total | revenue external | 2025-04-01 → 2025-09-30 | ¥7.2bn |
| Total Of Reportable Segments And Otherssegment total | revenue intersegment | 2025-04-01 → 2025-09-30 | ¥74m |
| Total Of Reportable Segments And Otherssegment total | segment assets | at 2025-09-30 | ¥841.8bn |
| Total Of Reportable Segments And Otherssegment total | segment ordinary income | 2025-04-01 → 2025-09-30 | ¥106m |
| Reconciling Itemsreconciling | depreciation | 2024-04-01 → 2024-09-30 | −¥1m |
| Reconciling Itemsreconciling | revenue intersegment | 2024-04-01 → 2024-09-30 | −¥68m |
| Reconciling Itemsreconciling | segment assets | at 2024-09-30 | −¥2.3bn |
| Bankingreportable segment | capex | 2024-04-01 → 2024-09-30 | ¥760m |
| Bankingreportable segment | depreciation | 2024-04-01 → 2024-09-30 | ¥265m |
| Bankingreportable segment | revenue external | 2024-04-01 → 2024-09-30 | ¥5.4bn |
| Bankingreportable segment | revenue intersegment | 2024-04-01 → 2024-09-30 | ¥31m |
| Bankingreportable segment | segment assets | at 2024-09-30 | ¥842.7bn |
| Bankingreportable segment | segment ordinary income | 2024-04-01 → 2024-09-30 | −¥656m |
| Credit Card And Credit Guaranteereportable segment | depreciation | 2024-04-01 → 2024-09-30 | ¥1m |
| Credit Card And Credit Guaranteereportable segment | revenue external | 2024-04-01 → 2024-09-30 | ¥74m |
| Credit Card And Credit Guaranteereportable segment | revenue intersegment | 2024-04-01 → 2024-09-30 | ¥0 |
| Credit Card And Credit Guaranteereportable segment | segment assets | at 2024-09-30 | ¥715m |
| Credit Card And Credit Guaranteereportable segment | segment ordinary income | 2024-04-01 → 2024-09-30 | −¥10m |
| Leasingreportable segment | capex | 2024-04-01 → 2024-09-30 | ¥7m |
| Leasingreportable segment | depreciation | 2024-04-01 → 2024-09-30 | ¥19m |
| Leasingreportable segment | revenue external | 2024-04-01 → 2024-09-30 | ¥1.2bn |
| Leasingreportable segment | revenue intersegment | 2024-04-01 → 2024-09-30 | ¥36m |
| Leasingreportable segment | segment assets | at 2024-09-30 | ¥5.5bn |
| Leasingreportable segment | segment ordinary income | 2024-04-01 → 2024-09-30 | ¥20m |
| Total Of Reportable Segments And Otherssegment total | capex | 2024-04-01 → 2024-09-30 | ¥768m |
| Total Of Reportable Segments And Otherssegment total | depreciation | 2024-04-01 → 2024-09-30 | ¥286m |
| Total Of Reportable Segments And Otherssegment total | revenue external | 2024-04-01 → 2024-09-30 | ¥6.6bn |
| Total Of Reportable Segments And Otherssegment total | revenue intersegment | 2024-04-01 → 2024-09-30 | ¥68m |
| Total Of Reportable Segments And Otherssegment total | segment assets | at 2024-09-30 | ¥848.9bn |
| Total Of Reportable Segments And Otherssegment total | segment ordinary income | 2024-04-01 → 2024-09-30 | −¥646m |
Segment names come from EDINET member IDs; not yet mapped to a common taxonomy.
All source rows · 1,112
| Item | Context | Value | Unit |
|---|---|---|---|
| Diluted earnings per share (5-year summary) | Prior1InterimDuration | － | |
| Diluted earnings per share (5-year summary) | InterimDuration | － | |
| Diluted earnings per share (5-year summary) | Prior2YearDuration | － | |
| Diluted earnings per share (5-year summary) | Prior1YearDuration | － | |
| Equity to asset ratio (5-year summary) | Prior2InterimInstant | 0.0283 | |
| Equity to asset ratio (5-year summary) | Prior1InterimInstant | 0.0296 | |
| Equity to asset ratio (5-year summary) | InterimInstant | 0.0287 | |
| Equity to asset ratio (5-year summary) | Prior2YearInstant | 0.0300 | |
| Equity to asset ratio (5-year summary) | Prior1YearInstant | 0.0296 | |
| Net cash provided by used in operating activities (5-year summary) | Prior2InterimDuration | -6763000000 | JPY |
| Net cash provided by used in operating activities (5-year summary) | Prior1InterimDuration | 18665000000 | JPY |
| Net cash provided by used in operating activities (5-year summary) | InterimDuration | 27715000000 | JPY |
| Net cash provided by used in operating activities (5-year summary) | Prior2YearDuration | 1184000000 | JPY |
| Net cash provided by used in operating activities (5-year summary) | Prior1YearDuration | -15199000000 | JPY |
| Net cash provided by used in investing activities (5-year summary) | Prior2InterimDuration | 3407000000 | JPY |
| Net cash provided by used in investing activities (5-year summary) | Prior1InterimDuration | -237000000 | JPY |
| Net cash provided by used in investing activities (5-year summary) | InterimDuration | -4007000000 | JPY |
| Net cash provided by used in investing activities (5-year summary) | Prior2YearDuration | 1489000000 | JPY |
| Net cash provided by used in investing activities (5-year summary) | Prior1YearDuration | -9516000000 | JPY |
| Net cash provided by used in financing activities (5-year summary) | Prior2InterimDuration | -140000000 | JPY |
| Net cash provided by used in financing activities (5-year summary) | Prior1InterimDuration | 1770000000 | JPY |
| Net cash provided by used in financing activities (5-year summary) | InterimDuration | -175000000 | JPY |
| Net cash provided by used in financing activities (5-year summary) | Prior2YearDuration | -140000000 | JPY |
| Net cash provided by used in financing activities (5-year summary) | Prior1YearDuration | 1770000000 | JPY |
| Cash and cash equivalents (5-year summary) | Prior2InterimInstant | 71876000000 | JPY |
| Cash and cash equivalents (5-year summary) | Prior1InterimInstant | 98104000000 | JPY |
| Cash and cash equivalents (5-year summary) | InterimInstant | 78495000000 | JPY |
| Cash and cash equivalents (5-year summary) | Prior2YearInstant | 77907000000 | JPY |
| Cash and cash equivalents (5-year summary) | Prior1YearInstant | 54961000000 | JPY |
| Number of employees | Prior2InterimInstant | 501 | |
| Number of employees | Prior1InterimInstant | 483 | |
| Number of employees | InterimInstant | 470 | |
| Number of employees | Prior2YearInstant | 484 | |
| Number of employees | Prior1YearInstant | 474 | |
| Average number of temporary workers | Prior2InterimInstant | 168 | |
| Average number of temporary workers | Prior1InterimInstant | 167 | |
| Average number of temporary workers | InterimInstant | 148 | |
| Average number of temporary workers | Prior2YearInstant | 165 | |
| Average number of temporary workers | Prior1YearInstant | 162 | |
| Ordinary income (5-year summary) | Prior2InterimDuration_NonConsolidatedMember | 5323000000 | JPY |
| Ordinary income (5-year summary) | Prior1InterimDuration_NonConsolidatedMember | 5306000000 | JPY |
| Ordinary income (5-year summary) | InterimDuration_NonConsolidatedMember | 6065000000 | JPY |
| Ordinary income (5-year summary) | Prior2YearDuration_NonConsolidatedMember | 10974000000 | JPY |
| Ordinary income (5-year summary) | Prior1YearDuration_NonConsolidatedMember | 10852000000 | JPY |
| Ordinary income loss (5-year summary) | Prior2InterimDuration_NonConsolidatedMember | 585000000 | JPY |
| Ordinary income loss (5-year summary) | Prior1InterimDuration_NonConsolidatedMember | -652000000 | JPY |
| Ordinary income loss (5-year summary) | InterimDuration_NonConsolidatedMember | 183000000 | JPY |
| Ordinary income loss (5-year summary) | Prior2YearDuration_NonConsolidatedMember | 1441000000 | JPY |
| Ordinary income loss (5-year summary) | Prior1YearDuration_NonConsolidatedMember | -1267000000 | JPY |
| Net income loss (5-year summary) | Prior2InterimDuration_NonConsolidatedMember | 342000000 | JPY |
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
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| period resolution | pass |
| statement vs summary · net assets | pass |
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| statement vs summary · net income attributable to parent | pass |
| statement vs summary · net income attributable to parent | pass |
| statement vs summary · operating cash flow | pass |
| statement vs summary · operating cash flow | pass |
| statement vs summary · total assets | pass |
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| statement vs summary · total assets | pass |
| statement vs summary · total assets | pass |