Annual report

Period2022-04-01 → 2023-03-31
Filed2023-06-29
StandardJapan GAAP
ConsolidatedYes
Data checks24 of 24 passed
Key figures · 158
MetricValuePeriodScopeSource row
Revenue¥8.5bn2022-04-01 → 2023-03-31Cons.Net sales
Revenue¥7.9bn2021-04-01 → 2022-03-31Cons.Net sales
Revenue¥7.2bn2020-04-01 → 2021-03-31dCons.Net sales (5-year summary)
Revenue¥6.0bn2019-04-01 → 2020-03-31dCons.Net sales (5-year summary)
Revenue¥5.6bn2018-04-01 → 2019-03-31dCons.Net sales (5-year summary)
Operating income¥4.2bn2022-04-01 → 2023-03-31Cons.Operating income
Operating income¥3.7bn2021-04-01 → 2022-03-31Cons.Operating income
Ordinary income¥4.2bn2022-04-01 → 2023-03-31Cons.Ordinary income
Ordinary income¥3.8bn2021-04-01 → 2022-03-31Cons.Ordinary income
Ordinary income¥3.1bn2020-04-01 → 2021-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥2.8bn2019-04-01 → 2020-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥2.6bn2018-04-01 → 2019-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥4.2bn2022-04-01 → 2023-03-31Cons.Income before income taxes
Profit before tax¥3.7bn2021-04-01 → 2022-03-31Cons.Income before income taxes
Net income (owners)¥2.9bn2022-04-01 → 2023-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥2.5bn2021-04-01 → 2022-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥2.0bn2020-04-01 → 2021-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥2.3bn2019-04-01 → 2020-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥1.7bn2018-04-01 → 2019-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥2.9bn2022-04-01 → 2023-03-31Cons.Profit loss
Net income¥2.6bn2021-04-01 → 2022-03-31Cons.Profit loss
Total assets¥28.0bnat 2023-03-31Cons.Assets
Total assets¥25.3bnat 2022-03-31Cons.Assets
Total assets¥22.6bnat 2021-03-31dCons.Total assets (5-year summary)
Total assets¥16.4bnat 2020-03-31dCons.Total assets (5-year summary)
Total assets¥16.4bnat 2019-03-31dCons.Total assets (5-year summary)
Total liabilities¥6.0bnat 2023-03-31Cons.Liabilities
Total liabilities¥5.5bnat 2022-03-31Cons.Liabilities
Net assets / equity¥22.0bnat 2023-03-31Cons.Net assets
Net assets / equity¥19.7bnat 2022-03-31Cons.Net assets
Net assets / equity¥17.2bnat 2021-03-31dCons.Net assets
Net assets / equity¥12.8bnat 2020-03-31dCons.Net assets (5-year summary)
Net assets / equity¥11.0bnat 2019-03-31dCons.Net assets (5-year summary)
Cash and deposits¥17.5bnat 2023-03-31Cons.Cash and deposits
Cash and deposits¥17.3bnat 2022-03-31Cons.Cash and deposits
Cash & equivalents¥10.7bnat 2023-03-31Cons.Cash and cash equivalents
Cash & equivalents¥12.4bnat 2022-03-31Cons.Cash and cash equivalents
Cash & equivalents¥11.6bnat 2021-03-31dCons.Cash and cash equivalents
Cash & equivalents¥4.8bnat 2020-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥6.1bnat 2019-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥3.2bn2022-04-01 → 2023-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥2.7bn2021-04-01 → 2022-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥4.7bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥1.0bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥1.9bn2018-04-01 → 2019-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥4.2bn2022-04-01 → 2023-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥1.8bn2021-04-01 → 2022-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥80m2020-04-01 → 2021-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥1.7bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥2.2bn2018-04-01 → 2019-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥713m2022-04-01 → 2023-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥88m2021-04-01 → 2022-03-31Cons.Net cash provided by used in financing activities
Financing cash flow¥2.2bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥614m2019-04-01 → 2020-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow¥332m2018-04-01 → 2019-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥60.682022-04-01 → 2023-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥52.922021-04-01 → 2022-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥45.122020-04-01 → 2021-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥54.142019-04-01 → 2020-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥39.112018-04-01 → 2019-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (diluted)¥58.952022-04-01 → 2023-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥51.322021-04-01 → 2022-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥42.512020-04-01 → 2021-03-31dCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥51.272019-04-01 → 2020-03-31dCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥37.652018-04-01 → 2019-03-31dCons.Diluted earnings per share (5-year summary)
Net assets per share¥428.68at 2023-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥387.62at 2022-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥347.19at 2021-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥271.94at 2020-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥230.8at 2019-03-31dCons.Net assets per share (5-year summary)
Equity ratio72.7%at 2023-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio71.9%at 2022-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio70.3%at 2021-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio70.3%at 2020-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio59.7%at 2019-03-31dCons.Equity to asset ratio (5-year summary)
ROE14.9%2022-04-01 → 2023-03-31Cons.Rate of return on equity (5-year summary)
ROE14.5%2021-04-01 → 2022-03-31Cons.Rate of return on equity (5-year summary)
ROE14.6%2020-04-01 → 2021-03-31dCons.Rate of return on equity (5-year summary)
ROE21.5%2019-04-01 → 2020-03-31dCons.Rate of return on equity (5-year summary)
ROE18.2%2018-04-01 → 2019-03-31dCons.Rate of return on equity (5-year summary)
Employees192at 2023-03-31Cons.Number of employees
Employees170at 2022-03-31Cons.Number of employees
Employees161at 2021-03-31dCons.Number of employees
Employees142at 2020-03-31dCons.Number of employees
Employees156at 2019-03-31dCons.Number of employees
Revenue¥8.7bn2022-04-01 → 2023-03-31StandaloneNet sales
Revenue¥8.2bn2021-04-01 → 2022-03-31StandaloneNet sales
Revenue¥7.8bn2020-04-01 → 2021-03-31dStandaloneNet sales (5-year summary)
Revenue¥6.1bn2019-04-01 → 2020-03-31dStandaloneNet sales (5-year summary)
Revenue¥5.9bn2018-04-01 → 2019-03-31dStandaloneNet sales (5-year summary)
Operating income¥3.8bn2022-04-01 → 2023-03-31StandaloneOperating income
Operating income¥3.3bn2021-04-01 → 2022-03-31StandaloneOperating income
Ordinary income¥4.1bn2022-04-01 → 2023-03-31StandaloneOrdinary income
Ordinary income¥3.6bn2021-04-01 → 2022-03-31StandaloneOrdinary income
Ordinary income¥2.9bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.6bn2019-04-01 → 2020-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.4bn2018-04-01 → 2019-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥4.0bn2022-04-01 → 2023-03-31StandaloneIncome before income taxes
Profit before tax¥3.6bn2021-04-01 → 2022-03-31StandaloneIncome before income taxes
Net income¥2.8bn2022-04-01 → 2023-03-31StandaloneProfit loss
Net income¥2.5bn2021-04-01 → 2022-03-31StandaloneProfit loss
Net income¥2.0bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Net income¥2.3bn2019-04-01 → 2020-03-31dStandaloneNet income loss (5-year summary)
Net income¥1.7bn2018-04-01 → 2019-03-31dStandaloneNet income loss (5-year summary)
Total assets¥26.5bnat 2023-03-31StandaloneAssets
Total assets¥23.9bnat 2022-03-31StandaloneAssets
Total assets¥21.5bnat 2021-03-31dStandaloneTotal assets (5-year summary)
Total assets¥15.5bnat 2020-03-31dStandaloneTotal assets (5-year summary)
Total assets¥15.5bnat 2019-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥6.0bnat 2023-03-31StandaloneLiabilities
Total liabilities¥5.5bnat 2022-03-31StandaloneLiabilities
Net assets / equity¥20.5bnat 2023-03-31StandaloneNet assets
Net assets / equity¥18.3bnat 2022-03-31StandaloneNet assets
Net assets / equity¥16.0bnat 2021-03-31dStandaloneNet assets
Net assets / equity¥11.7bnat 2020-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥9.9bnat 2019-03-31dStandaloneNet assets (5-year summary)
Cash and deposits¥13.0bnat 2023-03-31StandaloneCash and deposits
Cash and deposits¥13.2bnat 2022-03-31StandaloneCash and deposits
EPS (basic)¥60.332022-04-01 → 2023-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥52.892021-04-01 → 2022-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥45.222020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥54.152019-04-01 → 2020-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥39.162018-04-01 → 2019-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥58.612022-04-01 → 2023-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥51.282021-04-01 → 2022-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥42.62020-04-01 → 2021-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥51.282019-04-01 → 2020-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥37.72018-04-01 → 2019-03-31dStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥342022-04-01 → 2023-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥262021-04-01 → 2022-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥222020-04-01 → 2021-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥142019-04-01 → 2020-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥132018-04-01 → 2019-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥428.65at 2023-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥387.95at 2022-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥347.56at 2021-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥272.23at 2020-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥231.08at 2019-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio76.7%at 2023-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio76.2%at 2022-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio73.9%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio74.6%at 2020-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio63.3%at 2019-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE14.8%2022-04-01 → 2023-03-31StandaloneRate of return on equity (5-year summary)
ROE14.5%2021-04-01 → 2022-03-31StandaloneRate of return on equity (5-year summary)
ROE14.6%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
ROE21.5%2019-04-01 → 2020-03-31dStandaloneRate of return on equity (5-year summary)
ROE18.2%2018-04-01 → 2019-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued47,467,700at 2023-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued46,845,400at 2022-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued45,729,800at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued42,506,400at 2020-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued42,506,400at 2019-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees185at 2023-03-31StandaloneNumber of employees
Employees163at 2022-03-31StandaloneNumber of employees
Employees156at 2021-03-31dStandaloneNumber of employees
Employees138at 2020-03-31dStandaloneNumber of employees
Employees150at 2019-03-31dStandaloneNumber 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 · 2
SegmentItemPeriodValue
Credit Guaranteereportable segmentemployeesat 2023-03-31192 pure
Credit Guaranteereportable segmentemployeesat 2023-03-31185 pure

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

All source rows · 1,160
ItemContextValueUnit
Accounts payable tradeCurrentYearInstant_NonConsolidatedMember88823000JPY
Accounts payable otherPrior1YearInstant_NonConsolidatedMember222595000JPY
Accounts payable otherCurrentYearInstant_NonConsolidatedMember235385000JPY
Accrued expensesPrior1YearInstant_NonConsolidatedMember49392000JPY
Accrued expensesCurrentYearInstant_NonConsolidatedMember53311000JPY
Income taxes payablePrior1YearInstant_NonConsolidatedMember697911000JPY
Income taxes payableCurrentYearInstant_NonConsolidatedMember738292000JPY
Advances receivedPrior1YearInstant_NonConsolidatedMember3873072000JPY
Advances receivedCurrentYearInstant_NonConsolidatedMember4296836000JPY
Provision for settlement clPrior1YearInstant_NonConsolidatedMember146007000JPY
Provision for settlement clCurrentYearInstant_NonConsolidatedMember178949000JPY
Provision for bonusesPrior1YearInstant_NonConsolidatedMember200000000JPY
Provision for bonusesCurrentYearInstant_NonConsolidatedMember173000000JPY
Deposits receivedPrior1YearInstant_NonConsolidatedMember141407000JPY
Deposits receivedCurrentYearInstant_NonConsolidatedMember125123000JPY
Other clPrior1YearInstant_NonConsolidatedMember2586000JPY
Other clCurrentYearInstant_NonConsolidatedMember5960000JPY
Current liabilitiesPrior1YearInstant_NonConsolidatedMember5408739000JPY
Current liabilitiesCurrentYearInstant_NonConsolidatedMember5895683000JPY
Long term accounts payable otherPrior1YearInstant_NonConsolidatedMember115282000JPY
Long term accounts payable otherCurrentYearInstant_NonConsolidatedMember115282000JPY
Noncurrent liabilitiesPrior1YearInstant_NonConsolidatedMember115282000JPY
Noncurrent liabilitiesCurrentYearInstant_NonConsolidatedMember115282000JPY
LiabilitiesPrior1YearInstant_NonConsolidatedMember5524022000JPY
LiabilitiesCurrentYearInstant_NonConsolidatedMember6010965000JPY
Capital stockPrior1YearInstant_NonConsolidatedMember3509710000JPY
Capital stockCurrentYearInstant_NonConsolidatedMember3781341000JPY
Legal capital surplusPrior1YearInstant_NonConsolidatedMember2919710000JPY
Legal capital surplusCurrentYearInstant_NonConsolidatedMember3191341000JPY
Capital surplusPrior1YearInstant_NonConsolidatedMember2919710000JPY
Capital surplusCurrentYearInstant_NonConsolidatedMember3191341000JPY
Retained earnings brought forwardPrior1YearInstant_NonConsolidatedMember11744551000JPY
Retained earnings brought forwardCurrentYearInstant_NonConsolidatedMember13374676000JPY
Retained earningsPrior1YearInstant_NonConsolidatedMember11744551000JPY
Retained earningsCurrentYearInstant_NonConsolidatedMember13374676000JPY
Treasury stockPrior1YearInstant_NonConsolidatedMember-877000JPY
Treasury stockCurrentYearInstant_NonConsolidatedMember-964000JPY
Shareholders equityPrior1YearInstant_NonConsolidatedMember18173094000JPY
Shareholders equityCurrentYearInstant_NonConsolidatedMember20346395000JPY
Subscription rights to sharesPrior1YearInstant_NonConsolidatedMember155261000JPY
Subscription rights to sharesCurrentYearInstant_NonConsolidatedMember162771000JPY
Net assetsPrior1YearInstant_NonConsolidatedMember18328355000JPY
Net assetsCurrentYearInstant_NonConsolidatedMember20509166000JPY
Liabilities and net assetsPrior1YearInstant_NonConsolidatedMember23852377000JPY
Liabilities and net assetsCurrentYearInstant_NonConsolidatedMember26520131000JPY
Net salesPrior1YearDuration_NonConsolidatedMember8171640000JPY
Net salesCurrentYearDuration_NonConsolidatedMember8682475000JPY
Guarantee commission cosPrior1YearDuration_NonConsolidatedMember1852282000JPY
Guarantee commission cosCurrentYearDuration_NonConsolidatedMember1646885000JPY
Commission fee cosPrior1YearDuration_NonConsolidatedMember544321000JPY

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 2022-03-31pass
balance sheet identityconsolidated 2023-03-31pass
balance sheet identitynon_consolidated 2022-03-31pass
balance sheet identitynon_consolidated 2023-03-31pass
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2021-03-31pass
statement vs summary · net assetsconsolidated 2022-03-31pass
statement vs summary · net assetsconsolidated 2023-03-31pass
statement vs summary · net assetsnon_consolidated 2021-03-31pass
statement vs summary · net assetsnon_consolidated 2022-03-31pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net income attributable to parentconsolidated 2021-04-01/2022-03-31pass
statement vs summary · net income attributable to parentconsolidated 2022-04-01/2023-03-31pass
statement vs summary · operating cash flowconsolidated 2021-04-01/2022-03-31pass
statement vs summary · operating cash flowconsolidated 2022-04-01/2023-03-31pass
statement vs summary · revenueconsolidated 2021-04-01/2022-03-31pass
statement vs summary · revenueconsolidated 2022-04-01/2023-03-31pass
statement vs summary · revenuenon_consolidated 2021-04-01/2022-03-31pass
statement vs summary · revenuenon_consolidated 2022-04-01/2023-03-31pass
statement vs summary · total assetsconsolidated 2022-03-31pass
statement vs summary · total assetsconsolidated 2023-03-31pass
statement vs summary · total assetsnon_consolidated 2022-03-31pass
statement vs summary · total assetsnon_consolidated 2023-03-31pass