Annual report

Period2025-04-01 → 2026-03-31
Filed2026-06-25
StandardJapan GAAP
ConsolidatedYes
Data checks24 of 24 passed
Key figures · 158
MetricValuePeriodScopeSource row
Revenue¥11.0bn2025-04-01 → 2026-03-31Cons.Net sales
Revenue¥10.2bn2024-04-01 → 2025-03-31Cons.Net sales
Revenue¥9.2bn2023-04-01 → 2024-03-31vCons.Net sales (5-year summary)
Revenue¥8.5bn2022-04-01 → 2023-03-31vCons.Net sales (5-year summary)
Revenue¥7.9bn2021-04-01 → 2022-03-31vCons.Net sales (5-year summary)
Operating income¥5.2bn2025-04-01 → 2026-03-31Cons.Operating income
Operating income¥5.1bn2024-04-01 → 2025-03-31Cons.Operating income
Ordinary income¥5.3bn2025-04-01 → 2026-03-31Cons.Ordinary income
Ordinary income¥5.2bn2024-04-01 → 2025-03-31Cons.Ordinary income
Ordinary income¥4.9bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥4.2bn2022-04-01 → 2023-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥3.8bn2021-04-01 → 2022-03-31vCons.Ordinary income loss (5-year summary)
Profit before tax¥5.3bn2025-04-01 → 2026-03-31Cons.Income before income taxes
Profit before tax¥5.2bn2024-04-01 → 2025-03-31Cons.Income before income taxes
Net income (owners)¥3.6bn2025-04-01 → 2026-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥3.5bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥3.3bn2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥2.9bn2022-04-01 → 2023-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥2.5bn2021-04-01 → 2022-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥3.7bn2025-04-01 → 2026-03-31Cons.Profit loss
Net income¥3.6bn2024-04-01 → 2025-03-31Cons.Profit loss
Total assets¥29.4bnat 2026-03-31Cons.Assets
Total assets¥33.0bnat 2025-03-31Cons.Assets
Total assets¥30.1bnat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥28.0bnat 2023-03-31vCons.Total assets (5-year summary)
Total assets¥25.3bnat 2022-03-31vCons.Total assets (5-year summary)
Total liabilities¥7.0bnat 2026-03-31Cons.Liabilities
Total liabilities¥6.6bnat 2025-03-31Cons.Liabilities
Net assets / equity¥22.4bnat 2026-03-31Cons.Net assets
Net assets / equity¥26.4bnat 2025-03-31Cons.Net assets
Net assets / equity¥24.1bnat 2024-03-31vCons.Net assets
Net assets / equity¥22.0bnat 2023-03-31vCons.Net assets (5-year summary)
Net assets / equity¥19.7bnat 2022-03-31vCons.Net assets (5-year summary)
Cash and deposits¥12.7bnat 2026-03-31Cons.Cash and deposits
Cash and deposits¥16.3bnat 2025-03-31Cons.Cash and deposits
Cash & equivalents¥8.7bnat 2026-03-31Cons.Cash and cash equivalents
Cash & equivalents¥11.2bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥8.2bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥10.7bnat 2023-03-31vCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥12.4bnat 2022-03-31vCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥4.0bn2025-04-01 → 2026-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥4.1bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥3.1bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥3.2bn2022-04-01 → 2023-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥2.7bn2021-04-01 → 2022-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow¥1.2bn2025-04-01 → 2026-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥311m2024-04-01 → 2025-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥4.3bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥4.2bn2022-04-01 → 2023-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥1.8bn2021-04-01 → 2022-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥7.7bn2025-04-01 → 2026-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥1.4bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥1.3bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥713m2022-04-01 → 2023-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥88m2021-04-01 → 2022-03-31vCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥77.892025-04-01 → 2026-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥73.12024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥68.62023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥60.682022-04-01 → 2023-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥52.922021-04-01 → 2022-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (diluted)¥77.082025-04-01 → 2026-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥72.242024-04-01 → 2025-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥67.362023-04-01 → 2024-03-31vCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥58.952022-04-01 → 2023-03-31vCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥51.322021-04-01 → 2022-03-31vCons.Diluted earnings per share (5-year summary)
Net assets per share¥455.3at 2026-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥505.07at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥465.1at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥428.68at 2023-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥387.62at 2022-03-31vCons.Net assets per share (5-year summary)
Equity ratio68.8%at 2026-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio73.3%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio73.7%at 2024-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio72.7%at 2023-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio71.9%at 2022-03-31vCons.Equity to asset ratio (5-year summary)
ROE16.2%2025-04-01 → 2026-03-31Cons.Rate of return on equity (5-year summary)
ROE15.1%2024-04-01 → 2025-03-31Cons.Rate of return on equity (5-year summary)
ROE15.3%2023-04-01 → 2024-03-31vCons.Rate of return on equity (5-year summary)
ROE14.9%2022-04-01 → 2023-03-31vCons.Rate of return on equity (5-year summary)
ROE14.5%2021-04-01 → 2022-03-31vCons.Rate of return on equity (5-year summary)
Employees194at 2026-03-31Cons.Number of employees
Employees184at 2025-03-31Cons.Number of employees
Employees190at 2024-03-31vCons.Number of employees
Employees192at 2023-03-31vCons.Number of employees
Employees170at 2022-03-31vCons.Number of employees
Revenue¥11.5bn2025-04-01 → 2026-03-31StandaloneNet sales
Revenue¥10.9bn2024-04-01 → 2025-03-31StandaloneNet sales
Revenue¥9.6bn2023-04-01 → 2024-03-31vStandaloneNet sales (5-year summary)
Revenue¥8.7bn2022-04-01 → 2023-03-31vStandaloneNet sales (5-year summary)
Revenue¥8.2bn2021-04-01 → 2022-03-31vStandaloneNet sales (5-year summary)
Operating income¥5.0bn2025-04-01 → 2026-03-31StandaloneOperating income
Operating income¥4.8bn2024-04-01 → 2025-03-31StandaloneOperating income
Ordinary income¥5.2bn2025-04-01 → 2026-03-31StandaloneOrdinary income
Ordinary income¥5.1bn2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income¥4.7bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥4.1bn2022-04-01 → 2023-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥3.6bn2021-04-01 → 2022-03-31vStandaloneOrdinary income loss (5-year summary)
Profit before tax¥5.2bn2025-04-01 → 2026-03-31StandaloneIncome before income taxes
Profit before tax¥5.1bn2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Net income¥3.6bn2025-04-01 → 2026-03-31StandaloneProfit loss
Net income¥3.5bn2024-04-01 → 2025-03-31StandaloneProfit loss
Net income¥3.3bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥2.8bn2022-04-01 → 2023-03-31vStandaloneNet income loss (5-year summary)
Net income¥2.5bn2021-04-01 → 2022-03-31vStandaloneNet income loss (5-year summary)
Total assets¥27.4bnat 2026-03-31StandaloneAssets
Total assets¥31.1bnat 2025-03-31StandaloneAssets
Total assets¥28.4bnat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥26.5bnat 2023-03-31vStandaloneTotal assets (5-year summary)
Total assets¥23.9bnat 2022-03-31vStandaloneTotal assets (5-year summary)
Total liabilities¥7.0bnat 2026-03-31StandaloneLiabilities
Total liabilities¥6.8bnat 2025-03-31StandaloneLiabilities
Net assets / equity¥20.4bnat 2026-03-31StandaloneNet assets
Net assets / equity¥24.4bnat 2025-03-31StandaloneNet assets
Net assets / equity¥22.3bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥20.5bnat 2023-03-31vStandaloneNet assets (5-year summary)
Net assets / equity¥18.3bnat 2022-03-31vStandaloneNet assets (5-year summary)
Cash and deposits¥7.1bnat 2026-03-31StandaloneCash and deposits
Cash and deposits¥11.0bnat 2025-03-31StandaloneCash and deposits
EPS (basic)¥77.92025-04-01 → 2026-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥72.982024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥68.642023-04-01 → 2024-03-31vStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥60.332022-04-01 → 2023-03-31vStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥52.892021-04-01 → 2022-03-31vStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥77.092025-04-01 → 2026-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥72.122024-04-01 → 2025-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥67.42023-04-01 → 2024-03-31vStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥58.612022-04-01 → 2023-03-31vStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥51.282021-04-01 → 2022-03-31vStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥402025-04-01 → 2026-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥372024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥352023-04-01 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥342022-04-01 → 2023-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥262021-04-01 → 2022-03-31vStandaloneDividend paid per share (5-year summary)
Net assets per share¥455.22at 2026-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥504.96at 2025-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥465.1at 2024-03-31vStandaloneNet assets per share (5-year summary)
Net assets per share¥428.65at 2023-03-31vStandaloneNet assets per share (5-year summary)
Net assets per share¥387.95at 2022-03-31vStandaloneNet assets per share (5-year summary)
Equity ratio73.9%at 2026-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio77.7%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio78.1%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio76.7%at 2023-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio76.2%at 2022-03-31vStandaloneEquity to asset ratio (5-year summary)
ROE16.2%2025-04-01 → 2026-03-31StandaloneRate of return on equity (5-year summary)
ROE15.0%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE15.4%2023-04-01 → 2024-03-31vStandaloneRate of return on equity (5-year summary)
ROE14.8%2022-04-01 → 2023-03-31vStandaloneRate of return on equity (5-year summary)
ROE14.5%2021-04-01 → 2022-03-31vStandaloneRate of return on equity (5-year summary)
Shares issued45,335,467at 2026-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued47,928,900at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued47,690,100at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued47,467,700at 2023-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued46,845,400at 2022-03-31vStandaloneTotal number of issued shares (5-year summary)
Employees190at 2026-03-31StandaloneNumber of employees
Employees180at 2025-03-31StandaloneNumber of employees
Employees186at 2024-03-31vStandaloneNumber of employees
Employees185at 2023-03-31vStandaloneNumber of employees
Employees163at 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 · 2
SegmentItemPeriodValue
Credit Guaranteereportable segmentemployeesat 2026-03-31194 pure
Credit Guaranteereportable segmentemployeesat 2026-03-31190 pure

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

All source rows · 1,302
ItemContextValueUnit
Total assets (5-year summary)Prior4YearInstant25256073000JPY
Total assets (5-year summary)Prior3YearInstant27997897000JPY
Total assets (5-year summary)Prior2YearInstant30109022000JPY
Total assets (5-year summary)Prior1YearInstant33014129000JPY
Total assets (5-year summary)CurrentYearInstant29398045000JPY
Net assets per share (5-year summary)Prior4YearInstant387.62
Net assets per share (5-year summary)Prior3YearInstant428.68
Net assets per share (5-year summary)Prior2YearInstant465.10
Net assets per share (5-year summary)Prior1YearInstant505.07
Net assets per share (5-year summary)CurrentYearInstant455.30
Basic earnings loss per share (5-year summary)Prior4YearDuration52.92
Basic earnings loss per share (5-year summary)Prior3YearDuration60.68
Basic earnings loss per share (5-year summary)Prior2YearDuration68.60
Basic earnings loss per share (5-year summary)Prior1YearDuration73.10
Basic earnings loss per share (5-year summary)CurrentYearDuration77.89
Diluted earnings per share (5-year summary)Prior4YearDuration51.32
Diluted earnings per share (5-year summary)Prior3YearDuration58.95
Diluted earnings per share (5-year summary)Prior2YearDuration67.36
Diluted earnings per share (5-year summary)Prior1YearDuration72.24
Diluted earnings per share (5-year summary)CurrentYearDuration77.08
Equity to asset ratio (5-year summary)Prior4YearInstant0.719
Equity to asset ratio (5-year summary)Prior3YearInstant0.727
Equity to asset ratio (5-year summary)Prior2YearInstant0.737
Equity to asset ratio (5-year summary)Prior1YearInstant0.733
Equity to asset ratio (5-year summary)CurrentYearInstant0.688
Rate of return on equity (5-year summary)Prior4YearDuration0.145
Rate of return on equity (5-year summary)Prior3YearDuration0.149
Rate of return on equity (5-year summary)Prior2YearDuration0.153
Rate of return on equity (5-year summary)Prior1YearDuration0.151
Rate of return on equity (5-year summary)CurrentYearDuration0.162
Price earnings ratio (5-year summary)Prior4YearDuration38.75
Price earnings ratio (5-year summary)Prior3YearDuration35.84
Price earnings ratio (5-year summary)Prior2YearDuration26.12
Price earnings ratio (5-year summary)Prior1YearDuration24.05
Price earnings ratio (5-year summary)CurrentYearDuration20.71
Net cash provided by used in operating activities (5-year summary)Prior4YearDuration2662585000JPY
Net cash provided by used in operating activities (5-year summary)Prior3YearDuration3238278000JPY
Net cash provided by used in operating activities (5-year summary)Prior2YearDuration3132049000JPY
Net cash provided by used in operating activities (5-year summary)Prior1YearDuration4101741000JPY
Net cash provided by used in operating activities (5-year summary)CurrentYearDuration4013325000JPY
Net cash provided by used in investing activities (5-year summary)Prior4YearDuration-1824431000JPY
Net cash provided by used in investing activities (5-year summary)Prior3YearDuration-4192800000JPY
Net cash provided by used in investing activities (5-year summary)Prior2YearDuration-4284768000JPY
Net cash provided by used in investing activities (5-year summary)Prior1YearDuration311334000JPY
Net cash provided by used in investing activities (5-year summary)CurrentYearDuration1222727000JPY
Net cash provided by used in financing activities (5-year summary)Prior4YearDuration-87535000JPY
Net cash provided by used in financing activities (5-year summary)Prior3YearDuration-713101000JPY
Net cash provided by used in financing activities (5-year summary)Prior2YearDuration-1330795000JPY
Net cash provided by used in financing activities (5-year summary)Prior1YearDuration-1441634000JPY
Net cash provided by used in financing activities (5-year summary)CurrentYearDuration-7737758000JPY

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 2025-03-31pass rounding
balance sheet identityconsolidated 2026-03-31pass rounding
balance sheet identitynon_consolidated 2025-03-31pass rounding
balance sheet identitynon_consolidated 2026-03-31pass
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 · revenueconsolidated 2024-04-01/2025-03-31pass
statement vs summary · revenueconsolidated 2025-04-01/2026-03-31pass
statement vs summary · revenuenon_consolidated 2024-04-01/2025-03-31pass
statement vs summary · revenuenon_consolidated 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