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
Shareholding ratioCurrentYearInstant_No8MajorShareholdersMember0.030
Number of shares heldCurrentYearInstant_No9MajorShareholdersMember1204700
Shareholding ratioCurrentYearInstant_No9MajorShareholdersMember0.027
Number of shares heldCurrentYearInstant_No10MajorShareholdersMember1047700
Shareholding ratioCurrentYearInstant_No10MajorShareholdersMember0.023
Number of shares heldCurrentYearInstant27580046
Shareholding ratioCurrentYearInstant0.620
Number of shares issued shares voting rightsCurrentYearInstant_SharesWithNoVotingRightsMember-
Number of shares issued shares voting rightsCurrentYearInstant_SharesWithRestrictedVotingRightsTreasurySharesEtcMember-
Number of shares issued shares voting rightsCurrentYearInstant_SharesWithRestrictedVotingRightsOtherMember-
Number of voting rights issued shares voting rightsCurrentYearInstant_SharesWithRestrictedVotingRightsOtherMember-
Number of shares issued shares voting rightsCurrentYearInstant_OrdinarySharesTreasurySharesSharesWithFullVotingRightsTreasurySharesEtcMember918800
Number of voting rights issued shares voting rightsCurrentYearInstant_OrdinarySharesSharesWithFullVotingRightsOtherMember443950
Number of shares issued shares voting rightsCurrentYearInstant_OrdinarySharesSharesWithFullVotingRightsOtherMember44395000
Number of shares issued shares voting rightsCurrentYearInstant_OrdinarySharesSharesLessThanOneUnitMember21667
Number of shares issued shares voting rightsCurrentYearInstant45335467
Number of voting rights issued shares voting rightsCurrentYearInstant443950
Number of shares held in own name treasury shares etcCurrentYearInstant_Row1Member918800
Number of shares held in others names treasury shares etcCurrentYearInstant_Row1Member-
Total number of shares held treasury shares etcCurrentYearInstant_Row1Member918800
Shareholding ratio treasury shares etcCurrentYearInstant_Row1Member0.020
Number of shares held in own name treasury shares etcCurrentYearInstant918800
Number of shares held in others names treasury shares etcCurrentYearInstant-
Total number of shares held treasury shares etcCurrentYearInstant918800
Shareholding ratio treasury shares etcCurrentYearInstant0.020
Total amount of dividends dividends of surplusFilingDateInstant_Row1Member1776666000JPY
Dividend per share dividends of surplusFilingDateInstant_Row1Member40.0
Number of male directors and other officersFilingDateInstant11
Number of female directors and other officersFilingDateInstant1
Ratio of female directors and other officersFilingDateInstant0.08
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000EtoMasanoriMember3197900
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000KaratsuHideoMember60000
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000MuraiNozomuMember490200
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000NagaiJojiMember54000
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000KanoShujiMember83900
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000KurosawaHideoMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000KameiNobushigeMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000MabuchiMarikoMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000HoriTakahiroMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000YamauchiToshihikoMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000YamaokaShinichiroMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000RyuHirohisaMember-
Number of shares held ordinary shares information about directors and corporate auditorsFilingDateInstant3886000
Number of male directors and other officers proposalFilingDateInstant10
Number of female directors and other officers proposalFilingDateInstant1
Ratio of female directors and other officers proposalFilingDateInstant0.09
Number of shares held ordinary shares information about directors and corporate auditors proposalFilingDateInstant_jpcrp030000-asr_E05665-000EtoMasanoriMember3197900
Number of shares held ordinary shares information about directors and corporate auditors proposalFilingDateInstant_jpcrp030000-asr_E05665-000KaratsuHideoMember60000
Number of shares held ordinary shares information about directors and corporate auditors proposalFilingDateInstant_jpcrp030000-asr_E05665-000MuraiNozomuMember490200
Number of shares held ordinary shares information about directors and corporate auditors proposalFilingDateInstant_jpcrp030000-asr_E05665-000KanoShujiMember83900

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