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 |
|---|---|---|---|
| Deferred tax liabilities for land revaluation | InterimInstant | 645000000 | JPY |
| Acceptances and guarantees liabilities bnk | Prior1YearInstant | 234000000 | JPY |
| Acceptances and guarantees liabilities bnk | InterimInstant | 235000000 | JPY |
| Liabilities | Prior1YearInstant | 781038000000 | JPY |
| Liabilities | InterimInstant | 814704000000 | JPY |
| Capital stock | Prior1YearInstant | 19638000000 | JPY |
| Capital stock | InterimInstant | 19638000000 | JPY |
| Capital surplus | Prior1YearInstant | 2758000000 | JPY |
| Capital surplus | InterimInstant | 2758000000 | JPY |
| Retained earnings | Prior1YearInstant | 8931000000 | JPY |
| Retained earnings | InterimInstant | 8913000000 | JPY |
| Treasury stock | Prior1YearInstant | -20000000 | JPY |
| Treasury stock | InterimInstant | -20000000 | JPY |
| Shareholders equity | Prior1YearInstant | 31307000000 | JPY |
| Shareholders equity | InterimInstant | 31289000000 | JPY |
| Valuation difference on available for sale securities | Prior1YearInstant | -8199000000 | JPY |
| Valuation difference on available for sale securities | InterimInstant | -8002000000 | JPY |
| Revaluation reserve for land | Prior1YearInstant | 826000000 | JPY |
| Revaluation reserve for land | InterimInstant | 826000000 | JPY |
| Remeasurements of defined benefit plans | Prior1YearInstant | -25000000 | JPY |
| Remeasurements of defined benefit plans | InterimInstant | -31000000 | JPY |
| Valuation and translation adjustments | Prior1YearInstant | -7397000000 | JPY |
| Valuation and translation adjustments | InterimInstant | -7207000000 | JPY |
| Non controlling interests | Prior1YearInstant | 147000000 | JPY |
| Non controlling interests | InterimInstant | 150000000 | JPY |
| Net assets | Prior1YearInstant | 24057000000 | JPY |
| Net assets | InterimInstant | 24232000000 | JPY |
| Liabilities and net assets | Prior1YearInstant | 805096000000 | JPY |
| Liabilities and net assets | InterimInstant | 838936000000 | JPY |
| Ordinary income bnk | Prior1InterimDuration | 6604000000 | JPY |
| Ordinary income bnk | InterimDuration | 7199000000 | JPY |
| Interest income oibnk | Prior1InterimDuration | 3849000000 | JPY |
| Interest income oibnk | InterimDuration | 4518000000 | JPY |
| Interest on loans and discounts oibnk | Prior1InterimDuration | 3445000000 | JPY |
| Interest on loans and discounts oibnk | InterimDuration | 3944000000 | JPY |
| Interest and dividends on securities oibnk | Prior1InterimDuration | 331000000 | JPY |
| Interest and dividends on securities oibnk | InterimDuration | 440000000 | JPY |
| Fees and commissions oibnk | Prior1InterimDuration | 1333000000 | JPY |
| Fees and commissions oibnk | InterimDuration | 1315000000 | JPY |
| Other income oibnk | Prior1InterimDuration | 1421000000 | JPY |
| Other income oibnk | InterimDuration | 1366000000 | JPY |
| Ordinary expenses bnk | Prior1InterimDuration | 7250000000 | JPY |
| Ordinary expenses bnk | InterimDuration | 7092000000 | JPY |
| Interest expenses oebnk | Prior1InterimDuration | 144000000 | JPY |
| Interest expenses oebnk | InterimDuration | 915000000 | JPY |
| Interest on deposits oebnk | Prior1InterimDuration | 133000000 | JPY |
| Interest on deposits oebnk | InterimDuration | 860000000 | JPY |
| Fees and commissions payments oebnk | Prior1InterimDuration | 664000000 | JPY |
| Fees and commissions payments oebnk | InterimDuration | 674000000 | JPY |
| Other ordinary expenses oebnk | Prior1InterimDuration | 24000000 | 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 |
| statement vs summary · total assets | pass |
| statement vs summary · total assets | pass |
| statement vs summary · total assets | pass |
| statement vs summary · total assets | pass |