Annual report

Period2025-04-01 → 2026-03-31
Filed2026-06-18
StandardJapan GAAP
ConsolidatedYes
Data checks20 of 20 passed
Key figures · 130
MetricValuePeriodScopeSource row
Ordinary income¥687m2025-04-01 → 2026-03-31Cons.Ordinary income
Ordinary income−¥1.2bn2024-04-01 → 2025-03-31Cons.Ordinary income
Ordinary income¥1.2bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥1.1bn2022-04-01 → 2023-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥794m2021-04-01 → 2022-03-31vCons.Ordinary income loss (5-year summary)
Profit before tax¥713m2025-04-01 → 2026-03-31Cons.Income before income taxes
Profit before tax−¥1.5bn2024-04-01 → 2025-03-31Cons.Income before income taxes
Net income (owners)¥736m2025-04-01 → 2026-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)−¥1.3bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥866m2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥868m2022-04-01 → 2023-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥826m2021-04-01 → 2022-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥742m2025-04-01 → 2026-03-31Cons.Profit loss
Net income−¥1.2bn2024-04-01 → 2025-03-31Cons.Profit loss
Total assets¥794.0bnat 2026-03-31Cons.Assets
Total assets¥805.1bnat 2025-03-31Cons.Assets
Total assets¥829.0bnat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥839.9bnat 2023-03-31vCons.Total assets (5-year summary)
Total assets¥842.2bnat 2022-03-31vCons.Total assets (5-year summary)
Total liabilities¥770.1bnat 2026-03-31Cons.Liabilities
Total liabilities¥781.0bnat 2025-03-31Cons.Liabilities
Net assets / equity¥23.9bnat 2026-03-31Cons.Net assets
Net assets / equity¥24.1bnat 2025-03-31Cons.Net assets
Net assets / equity¥25.1bnat 2024-03-31vCons.Net assets
Net assets / equity¥24.3bnat 2023-03-31vCons.Net assets (5-year summary)
Net assets / equity¥27.4bnat 2022-03-31vCons.Net assets (5-year summary)
Cash & equivalents¥31.0bnat 2026-03-31Cons.Cash and cash equivalents
Cash & equivalents¥55.0bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥77.9bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥75.4bnat 2023-03-31vCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥89.4bnat 2022-03-31vCons.Cash and cash equivalents (5-year summary)
Operating cash flow−¥23.1bn2025-04-01 → 2026-03-31Cons.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
Operating cash flow¥1.2bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥7.4bn2022-04-01 → 2023-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥13.2bn2021-04-01 → 2022-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥635m2025-04-01 → 2026-03-31Cons.Net cash provided by used in investment activities
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 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥6.5bn2022-04-01 → 2023-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥14.2bn2021-04-01 → 2022-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥175m2025-04-01 → 2026-03-31Cons.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
Financing cash flow−¥140m2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥140m2022-04-01 → 2023-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥1m2021-04-01 → 2022-03-31vCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥21.122025-04-01 → 2026-03-31Cons.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)¥30.982023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥31.052022-04-01 → 2023-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥29.562021-04-01 → 2022-03-31vCons.Basic earnings loss per share (5-year summary)
Net assets per share¥681.96at 2026-03-31Cons.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¥891.63at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥862.71at 2023-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥973.11at 2022-03-31vCons.Net assets per share (5-year summary)
Equity ratio3.0%at 2026-03-31Cons.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 2024-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio2.9%at 2023-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio3.2%at 2022-03-31vCons.Equity to asset ratio (5-year summary)
ROE3.1%2025-04-01 → 2026-03-31Cons.Rate of return on equity (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 → 2024-03-31vCons.Rate of return on equity (5-year summary)
ROE3.4%2022-04-01 → 2023-03-31vCons.Rate of return on equity (5-year summary)
ROE2.9%2021-04-01 → 2022-03-31vCons.Rate of return on equity (5-year summary)
Employees460at 2026-03-31Cons.Number of employees
Employees474at 2025-03-31Cons.Number of employees
Employees484at 2024-03-31vCons.Number of employees
Employees498at 2023-03-31vCons.Number of employees
Employees512at 2022-03-31vCons.Number of employees
Ordinary income¥692m2025-04-01 → 2026-03-31StandaloneOrdinary income
Ordinary income−¥1.3bn2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income¥1.4bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥1.0bn2022-04-01 → 2023-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥727m2021-04-01 → 2022-03-31vStandaloneOrdinary income loss (5-year summary)
Profit before tax¥718m2025-04-01 → 2026-03-31StandaloneIncome before income taxes
Profit before tax−¥1.6bn2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Net income¥766m2025-04-01 → 2026-03-31StandaloneProfit loss
Net income−¥1.3bn2024-04-01 → 2025-03-31StandaloneProfit loss
Net income¥1.1bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥790m2022-04-01 → 2023-03-31vStandaloneNet income loss (5-year summary)
Net income¥826m2021-04-01 → 2022-03-31vStandaloneNet income loss (5-year summary)
Total assets¥790.7bnat 2026-03-31StandaloneAssets
Total assets¥802.0bnat 2025-03-31StandaloneAssets
Total assets¥825.6bnat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥836.3bnat 2023-03-31vStandaloneTotal assets (5-year summary)
Total assets¥839.2bnat 2022-03-31vStandaloneTotal assets (5-year summary)
Total liabilities¥768.6bnat 2026-03-31StandaloneLiabilities
Total liabilities¥779.7bnat 2025-03-31StandaloneLiabilities
Net assets / equity¥22.1bnat 2026-03-31StandaloneNet assets
Net assets / equity¥22.2bnat 2025-03-31StandaloneNet assets
Net assets / equity¥23.3bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥22.3bnat 2023-03-31vStandaloneNet assets (5-year summary)
Net assets / equity¥25.4bnat 2022-03-31vStandaloneNet assets (5-year summary)
EPS (basic)¥21.972025-04-01 → 2026-03-31StandaloneBasic earnings loss per share (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 → 2024-03-31vStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥28.252022-04-01 → 2023-03-31vStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥29.532021-04-01 → 2022-03-31vStandaloneBasic earnings loss per share (5-year summary)
Dividend per share¥52025-04-01 → 2026-03-31StandaloneDividend paid 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 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥52022-04-01 → 2023-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥52021-04-01 → 2022-03-31vStandaloneDividend paid per share (5-year summary)
Net assets per share¥633.11at 2026-03-31StandaloneNet assets 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 2024-03-31vStandaloneNet assets per share (5-year summary)
Net assets per share¥797.17at 2023-03-31vStandaloneNet assets per share (5-year summary)
Net assets per share¥908.72at 2022-03-31vStandaloneNet assets per share (5-year summary)
Equity ratio2.8%at 2026-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio2.8%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio2.8%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio2.7%at 2023-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio3.0%at 2022-03-31vStandaloneEquity to asset ratio (5-year summary)
ROE3.5%2025-04-01 → 2026-03-31StandaloneRate of return on equity (5-year summary)
ROE-5.7%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE4.9%2023-04-01 → 2024-03-31vStandaloneRate of return on equity (5-year summary)
ROE3.3%2022-04-01 → 2023-03-31vStandaloneRate of return on equity (5-year summary)
ROE3.1%2021-04-01 → 2022-03-31vStandaloneRate of return on equity (5-year summary)
Shares issued34,900,000at 2026-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued34,900,000at 2025-03-31StandaloneTotal 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 2023-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2022-03-31vStandaloneTotal number of issued shares (5-year summary)
Employees414at 2026-03-31StandaloneNumber of employees
Employees431at 2025-03-31StandaloneNumber of employees
Employees439at 2024-03-31vStandaloneNumber of employees
Employees456at 2023-03-31vStandaloneNumber of employees
Employees471at 2022-03-31vStandaloneNumber 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 Itemsreconcilingdepreciation2025-04-01 → 2026-03-31−¥2m
Reconciling Itemsreconcilingrevenue intersegment2025-04-01 → 2026-03-31−¥157m
Reconciling Itemsreconcilingsegment assetsat 2026-03-31−¥2.1bn
Bankingreportable segmentcapex2025-04-01 → 2026-03-31¥175m
Bankingreportable segmentdepreciation2025-04-01 → 2026-03-31¥541m
Bankingreportable segmentemployeesat 2026-03-31451 pure
Bankingreportable segmentrevenue external2025-04-01 → 2026-03-31¥12.8bn
Bankingreportable segmentrevenue intersegment2025-04-01 → 2026-03-31¥81m
Bankingreportable segmentsegment assetsat 2026-03-31¥789.8bn
Bankingreportable segmentsegment ordinary income2025-04-01 → 2026-03-31¥617m
Credit Card Credit Guaranteereportable segmentcapex2025-04-01 → 2026-03-31¥1m
Credit Card Credit Guaranteereportable segmentdepreciation2025-04-01 → 2026-03-31¥3m
Credit Card Credit Guaranteereportable segmentemployeesat 2026-03-313 pure
Credit Card Credit Guaranteereportable segmentrevenue external2025-04-01 → 2026-03-31¥116m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2025-04-01 → 2026-03-31¥0
Credit Card Credit Guaranteereportable segmentsegment assetsat 2026-03-31¥665m
Credit Card Credit Guaranteereportable segmentsegment ordinary income2025-04-01 → 2026-03-31¥0
Leasingreportable segmentcapex2025-04-01 → 2026-03-31¥39m
Leasingreportable segmentdepreciation2025-04-01 → 2026-03-31¥38m
Leasingreportable segmentemployeesat 2026-03-316 pure
Leasingreportable segmentrevenue external2025-04-01 → 2026-03-31¥2.3bn
Leasingreportable segmentrevenue intersegment2025-04-01 → 2026-03-31¥74m
Leasingreportable segmentsegment assetsat 2026-03-31¥5.6bn
Leasingreportable segmentsegment ordinary income2025-04-01 → 2026-03-31¥71m
Total Of Reportable Segments And Otherssegment totalcapex2025-04-01 → 2026-03-31¥216m
Total Of Reportable Segments And Otherssegment totaldepreciation2025-04-01 → 2026-03-31¥582m
Total Of Reportable Segments And Otherssegment totalrevenue external2025-04-01 → 2026-03-31¥15.2bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2025-04-01 → 2026-03-31¥157m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2026-03-31¥796.1bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2025-04-01 → 2026-03-31¥687m
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 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 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 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

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

All source rows · 1,660
ItemContextValueUnit
Average number of temporary workersCurrentYearInstant148
Number of employeesCurrentYearInstant_NonConsolidatedMember414
Average number of temporary workersCurrentYearInstant_NonConsolidatedMember135
Average age years information about reporting company information about employeesCurrentYearInstant_NonConsolidatedMember43.4
Average length of service years information about reporting company information about employeesCurrentYearInstant_NonConsolidatedMember19.0
Average annual salary information about reporting company information about employeesCurrentYearInstant_NonConsolidatedMember5324000JPY
Change from previous fiscal year in average annual salary information about reporting company information about employeesCurrentYearInstant_NonConsolidatedMember0.025
Ratio of female employees in managerial positions metrics of reporting companyCurrentYearInstant_NonConsolidatedMember0.254
All employees calculated based on provisions of article714 item1 of ordinance for enforcement of act on childcare leave caregiver leave and other measures for the welfare of workers caring for children or other family members ratio of male employees taking childcare leave metrics of reporting companyCurrentYearInstant_NonConsolidatedMember1.333
All employees differences in wages between male and female employees metrics of reporting companyCurrentYearInstant_NonConsolidatedMember0.642
Regular employees differences in wages between male and female employees metrics of reporting companyCurrentYearInstant_NonConsolidatedMember0.707
Non regular employees differences in wages between male and female employees metrics of reporting companyCurrentYearInstant_NonConsolidatedMember0.558
Cash and due from banks assets bnkPrior1YearInstant55579000000JPY
Cash and due from banks assets bnkCurrentYearInstant31279000000JPY
Trading account securities assets bnkPrior1YearInstant195000000JPY
Trading account securities assets bnkCurrentYearInstant179000000JPY
Money held in trust assets bnkPrior1YearInstant1006000000JPY
Money held in trust assets bnkCurrentYearInstant996000000JPY
Securities assets bnkPrior1YearInstant160643000000JPY
Securities assets bnkCurrentYearInstant161126000000JPY
Loans and bills discounted assets bnkPrior1YearInstant574217000000JPY
Loans and bills discounted assets bnkCurrentYearInstant587683000000JPY
Lease receivables and investment assets caPrior1YearInstant4170000000JPY
Lease receivables and investment assets caCurrentYearInstant4493000000JPY
Other assets assets bnkPrior1YearInstant3630000000JPY
Other assets assets bnkCurrentYearInstant3103000000JPY
Property plant and equipmentPrior1YearInstant9974000000JPY
Property plant and equipmentCurrentYearInstant9370000000JPY
Buildings netPrior1YearInstant3750000000JPY
Buildings netCurrentYearInstant3478000000JPY
LandPrior1YearInstant5321000000JPY
LandCurrentYearInstant5205000000JPY
Other net ppePrior1YearInstant902000000JPY
Other net ppeCurrentYearInstant686000000JPY
Intangible assetsPrior1YearInstant296000000JPY
Intangible assetsCurrentYearInstant272000000JPY
SoftwarePrior1YearInstant190000000JPY
SoftwareCurrentYearInstant166000000JPY
Other iaPrior1YearInstant106000000JPY
Other iaCurrentYearInstant106000000JPY
Net defined benefit assetPrior1YearInstant24000000JPY
Net defined benefit assetCurrentYearInstant231000000JPY
Deferred tax assetsPrior1YearInstant321000000JPY
Deferred tax assetsCurrentYearInstant376000000JPY
Customers liabilities for acceptances and guarantees assets bnkPrior1YearInstant234000000JPY
Customers liabilities for acceptances and guarantees assets bnkCurrentYearInstant191000000JPY
Allowance for loan losses assets bnkPrior1YearInstant-5198000000JPY
Allowance for loan losses assets bnkCurrentYearInstant-5258000000JPY
AssetsPrior1YearInstant805096000000JPY
AssetsCurrentYearInstant794047000000JPY

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 2025-03-31pass rounding
balance sheet identityconsolidated 2026-03-31pass
balance sheet identitynon_consolidated 2025-03-31pass rounding
balance sheet identitynon_consolidated 2026-03-31pass rounding
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2024-03-31pass
statement vs summary · net assetsconsolidated 2025-03-31pass
statement vs summary · net assetsconsolidated 2026-03-31pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2025-03-31pass
statement vs summary · net assetsnon_consolidated 2026-03-31pass
statement vs summary · net income attributable to parentconsolidated 2024-04-01/2025-03-31pass
statement vs summary · net income attributable to parentconsolidated 2025-04-01/2026-03-31pass
statement vs summary · operating cash flowconsolidated 2024-04-01/2025-03-31pass
statement vs summary · operating cash flowconsolidated 2025-04-01/2026-03-31pass
statement vs summary · total assetsconsolidated 2025-03-31pass
statement vs summary · total assetsconsolidated 2026-03-31pass
statement vs summary · total assetsnon_consolidated 2025-03-31pass
statement vs summary · total assetsnon_consolidated 2026-03-31pass