Annual report

Period2023-04-01 → 2024-03-31
Filed2024-06-27
StandardJapan GAAP
ConsolidatedYes
Data checks24 of 24 passed
Key figures · 158
MetricValuePeriodScopeSource row
Revenue¥9.2bn2023-04-01 → 2024-03-31Cons.Net sales
Revenue¥8.5bn2022-04-01 → 2023-03-31Cons.Net sales
Revenue¥7.9bn2021-04-01 → 2022-03-31dCons.Net sales (5-year summary)
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)
Operating income¥4.9bn2023-04-01 → 2024-03-31Cons.Operating income
Operating income¥4.2bn2022-04-01 → 2023-03-31Cons.Operating income
Ordinary income¥4.9bn2023-04-01 → 2024-03-31Cons.Ordinary income
Ordinary income¥4.2bn2022-04-01 → 2023-03-31Cons.Ordinary income
Ordinary income¥3.8bn2021-04-01 → 2022-03-31dCons.Ordinary income loss (5-year summary)
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)
Profit before tax¥4.9bn2023-04-01 → 2024-03-31Cons.Income before income taxes
Profit before tax¥4.2bn2022-04-01 → 2023-03-31Cons.Income before income taxes
Net income (owners)¥3.3bn2023-04-01 → 2024-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥2.9bn2022-04-01 → 2023-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥2.5bn2021-04-01 → 2022-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
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¥3.4bn2023-04-01 → 2024-03-31Cons.Profit loss
Net income¥2.9bn2022-04-01 → 2023-03-31Cons.Profit loss
Total assets¥30.1bnat 2024-03-31Cons.Assets
Total assets¥28.0bnat 2023-03-31Cons.Assets
Total assets¥25.3bnat 2022-03-31dCons.Total assets (5-year summary)
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 liabilities¥6.0bnat 2024-03-31Cons.Liabilities
Total liabilities¥6.0bnat 2023-03-31Cons.Liabilities
Net assets / equity¥24.1bnat 2024-03-31Cons.Net assets
Net assets / equity¥22.0bnat 2023-03-31Cons.Net assets
Net assets / equity¥19.7bnat 2022-03-31dCons.Net assets
Net assets / equity¥17.2bnat 2021-03-31dCons.Net assets (5-year summary)
Net assets / equity¥12.8bnat 2020-03-31dCons.Net assets (5-year summary)
Cash and deposits¥15.0bnat 2024-03-31Cons.Cash and deposits
Cash and deposits¥17.5bnat 2023-03-31Cons.Cash and deposits
Cash & equivalents¥8.2bnat 2024-03-31Cons.Cash and cash equivalents
Cash & equivalents¥10.7bnat 2023-03-31Cons.Cash and cash equivalents
Cash & equivalents¥12.4bnat 2022-03-31dCons.Cash and cash equivalents
Cash & equivalents¥11.6bnat 2021-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥4.8bnat 2020-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥3.1bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in operating activities
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 → 2022-03-31dCons.Net cash provided by used in operating activities (5-year summary)
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)
Investing cash flow−¥4.3bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in investment activities
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 → 2022-03-31dCons.Net cash provided by used in investing activities (5-year summary)
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)
Financing cash flow−¥1.3bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥713m2022-04-01 → 2023-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥88m2021-04-01 → 2022-03-31dCons.Net cash provided by used in financing activities (5-year summary)
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)
EPS (basic)¥68.62023-04-01 → 2024-03-31Cons.Basic earnings loss per share (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 → 2022-03-31dCons.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 (diluted)¥67.362023-04-01 → 2024-03-31Cons.Diluted earnings 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 → 2022-03-31dCons.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)
Net assets per share¥465.1at 2024-03-31Cons.Net assets 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 2022-03-31dCons.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)
Equity ratio73.7%at 2024-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio72.7%at 2023-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio71.9%at 2022-03-31dCons.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)
ROE15.3%2023-04-01 → 2024-03-31Cons.Rate of return on equity (5-year summary)
ROE14.9%2022-04-01 → 2023-03-31Cons.Rate of return on equity (5-year summary)
ROE14.5%2021-04-01 → 2022-03-31dCons.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)
Employees190at 2024-03-31Cons.Number of employees
Employees192at 2023-03-31Cons.Number of employees
Employees170at 2022-03-31dCons.Number of employees
Employees161at 2021-03-31dCons.Number of employees
Employees142at 2020-03-31dCons.Number of employees
Revenue¥9.6bn2023-04-01 → 2024-03-31StandaloneNet sales
Revenue¥8.7bn2022-04-01 → 2023-03-31StandaloneNet sales
Revenue¥8.2bn2021-04-01 → 2022-03-31dStandaloneNet sales (5-year summary)
Revenue¥7.8bn2020-04-01 → 2021-03-31dStandaloneNet sales (5-year summary)
Revenue¥6.1bn2019-04-01 → 2020-03-31dStandaloneNet sales (5-year summary)
Operating income¥4.5bn2023-04-01 → 2024-03-31StandaloneOperating income
Operating income¥3.8bn2022-04-01 → 2023-03-31StandaloneOperating income
Ordinary income¥4.7bn2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥4.1bn2022-04-01 → 2023-03-31StandaloneOrdinary income
Ordinary income¥3.6bn2021-04-01 → 2022-03-31dStandaloneOrdinary income loss (5-year summary)
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)
Profit before tax¥4.7bn2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Profit before tax¥4.0bn2022-04-01 → 2023-03-31StandaloneIncome before income taxes
Net income¥3.3bn2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥2.8bn2022-04-01 → 2023-03-31StandaloneProfit loss
Net income¥2.5bn2021-04-01 → 2022-03-31dStandaloneNet income loss (5-year summary)
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)
Total assets¥28.4bnat 2024-03-31StandaloneAssets
Total assets¥26.5bnat 2023-03-31StandaloneAssets
Total assets¥23.9bnat 2022-03-31dStandaloneTotal assets (5-year summary)
Total assets¥21.5bnat 2021-03-31dStandaloneTotal assets (5-year summary)
Total assets¥15.5bnat 2020-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥6.1bnat 2024-03-31StandaloneLiabilities
Total liabilities¥6.0bnat 2023-03-31StandaloneLiabilities
Net assets / equity¥22.3bnat 2024-03-31StandaloneNet assets
Net assets / equity¥20.5bnat 2023-03-31StandaloneNet assets
Net assets / equity¥18.3bnat 2022-03-31dStandaloneNet assets
Net assets / equity¥16.0bnat 2021-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥11.7bnat 2020-03-31dStandaloneNet assets (5-year summary)
Cash and deposits¥10.1bnat 2024-03-31StandaloneCash and deposits
Cash and deposits¥13.0bnat 2023-03-31StandaloneCash and deposits
EPS (basic)¥68.642023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥60.332022-04-01 → 2023-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥52.892021-04-01 → 2022-03-31dStandaloneBasic 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 (diluted)¥67.42023-04-01 → 2024-03-31StandaloneDiluted earnings 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 → 2022-03-31dStandaloneDiluted 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)
Dividend per share¥352023-04-01 → 2024-03-31StandaloneDividend paid 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 → 2022-03-31dStandaloneDividend 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)
Net assets per share¥465.1at 2024-03-31StandaloneNet assets 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 2022-03-31dStandaloneNet 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)
Equity ratio78.1%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio76.7%at 2023-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio76.2%at 2022-03-31dStandaloneEquity 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)
ROE15.4%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE14.8%2022-04-01 → 2023-03-31StandaloneRate of return on equity (5-year summary)
ROE14.5%2021-04-01 → 2022-03-31dStandaloneRate 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)
Shares issued47,690,100at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued47,467,700at 2023-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued46,845,400at 2022-03-31dStandaloneTotal 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)
Employees186at 2024-03-31StandaloneNumber of employees
Employees185at 2023-03-31StandaloneNumber of employees
Employees163at 2022-03-31dStandaloneNumber of employees
Employees156at 2021-03-31dStandaloneNumber of employees
Employees138at 2020-03-31dStandaloneNumber 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 2024-03-31190 pure
Credit Guaranteereportable segmentemployeesat 2024-03-31186 pure

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

All source rows · 1,175
ItemContextValueUnit
Independent auditors report consolidated (text)FilingDateInstantText · Plus
Audit firm1 consolidatedFilingDateInstant
Original text (Japanese)有限責任監査法人トーマツ
Cpa1 audit firm1 consolidatedFilingDateInstant
Original text (Japanese)伊  藤  治  郎
Cpa2 audit firm1 consolidatedFilingDateInstant
Original text (Japanese)大  村  広  樹
Key audit matters consolidated (text)FilingDateInstantText · Plus
Overview kam consolidated (text)FilingDateInstantText · Plus
Short description kam consolidatedFilingDateInstant_Row1Member
Original text (Japanese)保証履行引当金の見積りの妥当性
Description including reason kam consolidated (text)FilingDateInstant_Row1MemberText · Plus
Reference kam consolidatedFilingDateInstant_Row1Member
Original text (Japanese)【注記事項】(重要な会計上の見積り)保証履行引当金
Auditors response kam consolidated (text)FilingDateInstant_Row1MemberText · Plus
Other information consolidated (text)FilingDateInstantText · Plus
Fee related information consolidated (text)FilingDateInstantText · Plus
Independent auditors report non consolidated (text)FilingDateInstantText · Plus
Audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)有限責任監査法人トーマツ
Cpa1 audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)伊  藤  治  郎
Cpa2 audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)大  村  広  樹
Key audit matters non consolidated (text)FilingDateInstantText · Plus
Overview kam non consolidated (text)FilingDateInstantText · Plus
Short description kam non consolidatedFilingDateInstant_Row1Member
Original text (Japanese)保証履行引当金の見積りの妥当性
Same as kam for consolidated fskam non consolidated (text)FilingDateInstant_Row1MemberText · Plus
Other information non consolidated (text)FilingDateInstantText · Plus
Fee related information non consolidated (text)FilingDateInstantText · Plus
Number of submissionFilingDateInstant1
Net sales (5-year summary)Prior4YearDuration5956734000JPY
Net sales (5-year summary)Prior3YearDuration7194885000JPY
Net sales (5-year summary)Prior2YearDuration7894566000JPY
Net sales (5-year summary)Prior1YearDuration8494895000JPY
Net sales (5-year summary)CurrentYearDuration9165092000JPY
Ordinary income loss (5-year summary)Prior4YearDuration2751004000JPY
Ordinary income loss (5-year summary)Prior3YearDuration3108793000JPY
Ordinary income loss (5-year summary)Prior2YearDuration3760382000JPY
Ordinary income loss (5-year summary)Prior1YearDuration4231150000JPY
Ordinary income loss (5-year summary)CurrentYearDuration4902670000JPY
Profit loss attributable to owners of parent (5-year summary)Prior4YearDuration2301198000JPY
Profit loss attributable to owners of parent (5-year summary)Prior3YearDuration2004095000JPY
Profit loss attributable to owners of parent (5-year summary)Prior2YearDuration2463201000JPY
Profit loss attributable to owners of parent (5-year summary)Prior1YearDuration2864580000JPY
Profit loss attributable to owners of parent (5-year summary)CurrentYearDuration3262825000JPY
Comprehensive income (5-year summary)Prior4YearDuration2433533000JPY
Comprehensive income (5-year summary)Prior3YearDuration2161917000JPY
Comprehensive income (5-year summary)Prior2YearDuration2613309000JPY
Comprehensive income (5-year summary)Prior1YearDuration2924911000JPY
Comprehensive income (5-year summary)CurrentYearDuration3402701000JPY
Net assets (5-year summary)Prior4YearInstant12798155000JPY
Net assets (5-year summary)Prior3YearInstant17186079000JPY
Net assets (5-year summary)Prior2YearInstant19716958000JPY
Net assets (5-year summary)Prior1YearInstant21998648000JPY
Net assets (5-year summary)CurrentYearInstant24126887000JPY
Total assets (5-year summary)Prior4YearInstant16444743000JPY
Total assets (5-year summary)Prior3YearInstant22570471000JPY

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 2023-03-31pass
balance sheet identityconsolidated 2024-03-31pass rounding
balance sheet identitynon_consolidated 2023-03-31pass
balance sheet identitynon_consolidated 2024-03-31pass
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2022-03-31pass
statement vs summary · net assetsconsolidated 2023-03-31pass
statement vs summary · net assetsconsolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2022-03-31pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net income attributable to parentconsolidated 2022-04-01/2023-03-31pass
statement vs summary · net income attributable to parentconsolidated 2023-04-01/2024-03-31pass
statement vs summary · operating cash flowconsolidated 2022-04-01/2023-03-31pass
statement vs summary · operating cash flowconsolidated 2023-04-01/2024-03-31pass
statement vs summary · revenueconsolidated 2022-04-01/2023-03-31pass
statement vs summary · revenueconsolidated 2023-04-01/2024-03-31pass
statement vs summary · revenuenon_consolidated 2022-04-01/2023-03-31pass
statement vs summary · revenuenon_consolidated 2023-04-01/2024-03-31pass
statement vs summary · total assetsconsolidated 2023-03-31pass
statement vs summary · total assetsconsolidated 2024-03-31pass
statement vs summary · total assetsnon_consolidated 2023-03-31pass
statement vs summary · total assetsnon_consolidated 2024-03-31pass