ACOM
ACOM CO.,LTD.
Company highlights
The largest segment by revenue is Loan and credit card business, at 53.9% of the total.
Key figures
Period Apr 2025 to Mar 2026
Company profile
Tables scroll sideways
Disclosed data
Business activities and revenue composition
ACOM
Revenue and profit by business segment
Period Apr 2025 to Mar 2026Source Annual securities reportsConsolidated・Disclosed
| Business | Net sales to external customers | Operating income | |||||
|---|---|---|---|---|---|---|---|
| This year | Share | Last year | This year | Share | Margin | Last year | |
| Loan and credit card business | ¥181.9 billion | 53.9% | ¥169.5 billion | ¥53.6 billion | 53.6% | 29.5% | ¥14.0 billion |
| Guarantee business | ¥81.0 billion | 24.0% | ¥76.3 billion | ¥22.3 billion | 22.3% | 27.5% | ¥23.7 billion |
| Overseas finance business | ¥67.5 billion | 20.0% | ¥65.4 billion | ¥22.9 billion | 22.8% | 33.9% | ¥19.4 billion |
| Loan servicing business | ¥7.2 billion | 2.1% | ¥6.5 billion | ¥1.3 billion | 1.3% | 18.7% | ¥1.3 billion |
| Total of the businesses | ¥337.6 billion | 100.0% | ¥100.1 billion | 100.0% | |||
Revenue and profit
Amounts by account
| Group | Account | Amount | Consolidated / Non-consolidated |
|---|---|---|---|
| Selling, general and administrative expenses | Provision of allowance for doubtful accounts | ¥95.8 billion | Consolidated |
| Advertising expenses | ¥17.8 billion | Consolidated | |
| Retirement benefit expenses | ¥-0.3 billion | Consolidated | |
| Profit by stage | Ordinary income | ¥100.5 billion | Consolidated |
| Operating income | ¥100.4 billion | Consolidated | |
| Net income | ¥79.6 billion | Consolidated |
ACOM
Selling, general and administrative expenses
Period Apr 2025 to Mar 2026Source Annual securities reports
- Provision of allowance for doubtful accounts ¥95.8 billion
- Advertising expenses ¥17.8 billion
Performance, financial position and capital allocation
Long-term changes in performance
ACOM
Long-term revenue, profit and asset trends
Period 2013 to 2026Source Annual securities reportsDisclosed
ACOM
Recent performance trends
Source Annual securities reports
Year-on-year comparison
| Item | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| Operating revenue | ¥262.2B | ¥273.8B | ¥294.7B | ¥317.7B | ¥337.7B |
| Year on year (%) | -1.6% | +4.4% | +7.6% | +7.8% | +6.3% |
| Ordinary income (loss) | ¥35.4B | ¥87.5B | ¥86.7B | ¥58.9B | ¥100.5B |
| Change from prior year | -64.6% | +146.8% | -0.9% | -32.1% | +70.6% |
| Ordinary income (loss) as a share of Operating revenue | 13.5% | 32.0% | 29.4% | 18.5% | 29.8% |
| Change (percentage points) | -24.0 points◆ | +18.4 points◆ | -2.5 points◆ | -10.9 points◆ | +11.2 points◆ |
Fiscal periods marked for changes
Earlier fiscal periods (8)
- 2014Ordinary income (loss) as a share of revenue -3.6 points
- 2017Ordinary income (loss) as a share of revenue -35.2 points, Ordinary income (loss) profit to loss
- 2018Ordinary income (loss) as a share of revenue +59.4 points, Ordinary income (loss) loss to profit
- 2019Ordinary income (loss) as a share of revenue -10.0 points
- 2020Ordinary income (loss) as a share of revenue +5.9 points
- 2021Ordinary income (loss) as a share of revenue +10.7 points
- 2022Ordinary income (loss) as a share of revenue -24.0 points
- 2023Ordinary income (loss) as a share of revenue +18.4 points
- 2024Ordinary income (loss) as a share of revenue -2.5 points
- 2025Ordinary income (loss) as a share of revenue -10.9 points
- 2026Ordinary income (loss) as a share of revenue +11.2 points
ACOM
Earnings and net assets per share over time
Unit yenSource Annual securities reports
ACOM
Return on equity over time
Unit %Source Annual securities reports
Consolidated indicators (14 items)
| Item | 4 years ago | 3 years ago | 2 years ago | Last year | This year |
|---|---|---|---|---|---|
| Operating revenue | ¥262.2 billion | ¥273.8 billion | ¥294.7 billion | ¥317.7 billion | ¥337.7 billion |
| Ordinary income (loss) | ¥35.4 billion | ¥87.5 billion | ¥86.7 billion | ¥58.9 billion | ¥100.5 billion |
| Net income (loss) attributable to owners of parent | ¥55.7 billion | ¥54.9 billion | ¥53.1 billion | ¥32.1 billion | ¥79.6 billion |
| Comprehensive income | ¥59.7 billion | ¥71.4 billion | ¥72.2 billion | ¥56.2 billion | ¥101.4 billion |
| Net assets | ¥564.0 billion | ¥619.8 billion | ¥674.2 billion | ¥709.0 billion | ¥782.5 billion |
| Total assets | ¥1,263.3 billion | ¥1,297.3 billion | ¥1,417.4 billion | ¥1,486.4 billion | ¥1,616.4 billion |
| Net assets per share | 339.51 yen | 370.92 yen | 400.87 yen | 417.18 yen | 458.96 yen |
| Basic earnings (loss) per share | 35.54 yen | 35.06 yen | 33.89 yen | 20.51 yen | 50.83 yen |
| Equity-to-asset ratio | 42.1% | 44.8% | 44.3% | 44.0% | 44.5% |
| Return on equity | 10.9% | 9.9% | 8.8% | 5.0% | 11.6% |
| Net cash provided by (used in) operating activities | ¥46.1 billion | ¥-1.3 billion | ¥-36.8 billion | ¥0.9 billion | ¥12.1 billion |
| Net cash provided by (used in) investing activities | ¥-4.0 billion | ¥-2.7 billion | ¥-6.2 billion | ¥-6.5 billion | ¥-4.9 billion |
| Net cash provided by (used in) financing activities | ¥-50.2 billion | ¥-12.9 billion | ¥57.2 billion | ¥-6.4 billion | ¥13.1 billion |
| Cash and cash equivalents | ¥74.2 billion | ¥57.7 billion | ¥71.9 billion | ¥60.2 billion | ¥80.4 billion |
Parent only indicators (14 items)
| Item | 4 years ago | 3 years ago | 2 years ago | Last year | This year |
|---|---|---|---|---|---|
| Operating revenue | ¥194.7 billion | ¥200.7 billion | ¥215.5 billion | ¥233.2 billion | ¥248.8 billion |
| Ordinary income (loss) | ¥18.0 billion | ¥70.4 billion | ¥67.0 billion | ¥40.0 billion | ¥81.0 billion |
| Net income (loss) | ¥48.1 billion | ¥49.0 billion | ¥46.3 billion | ¥25.9 billion | ¥70.5 billion |
| Capital stock | ¥63.8 billion | ¥63.8 billion | ¥63.8 billion | ¥63.8 billion | ¥63.8 billion |
| Total number of issued shares (common stock) | 1,566,614,000 shares | 1,566,614,000 shares | 1,566,614,000 shares | 1,566,614,000 shares | 1,566,614,000 shares |
| Net assets | ¥461.5 billion | ¥496.4 billion | ¥525.5 billion | ¥531.0 billion | ¥574.9 billion |
| Total assets | ¥1,080.5 billion | ¥1,090.3 billion | ¥1,184.8 billion | ¥1,236.1 billion | ¥1,350.8 billion |
| Net assets per share | 294.6 yen | 316.87 yen | 335.42 yen | 338.97 yen | 366.95 yen |
| Dividend per share | 7 yen | 10 yen | 12 yen | 14 yen | 22 yen |
| Interim dividend per share | 3 yen | 5 yen | 6 yen | 7 yen | 10 yen |
| Basic earnings (loss) per share | 30.69 yen | 31.27 yen | 29.55 yen | 16.55 yen | 44.99 yen |
| Equity-to-asset ratio | 42.7% | 45.5% | 44.4% | 43.0% | 42.6% |
| Return on equity | 10.9% | 10.2% | 9.1% | 4.9% | 12.8% |
| Payout ratio | 22.8% | 32.0% | 40.6% | 84.6% | 48.9% |
Dividend history
| Fiscal year | Annual dividend per share | Of which interim | Payout ratio (as reported, parent only) | Flag |
|---|---|---|---|---|
| FY ending 3/2026 | ¥22 | ¥10 | 48.9% | |
| FY ending 3/2025 | ¥14 | ¥7 | 84.6% | |
| FY ending 3/2024 | ¥12 | ¥6 | 40.6% | |
| FY ending 3/2023 | ¥10 | ¥5 | 32.0% | |
| FY ending 3/2022 | ¥7 | ¥3 | 22.8% | |
| FY ending 3/2021 | ¥6 | ¥3 | 13.2% | |
| FY ending 3/2020 | ¥4 | ¥2 | 11.7% | |
| FY ending 3/2019 | ¥2 | ¥1 | 10.5% | |
| FY ending 3/2018 | ¥1 | Could not be retrieved | 2.5% |
ACOM
Dividends per share over time
Unit yenSource Annual securities reports
Shareholder composition
Share ownership by holder category
ACOM
Unit %Source Annual securities reports
- Financial institutions11.59%
- Securities firms1.07%
- Other corporations72.55%
- Foreign holders (institutions)4.85%
- Foreign holders (individuals)0.00%
- Individuals and others9.94%
- Government and municipalities0.00%
Major shareholders
| Rank | Shareholder | Shareholding ratio | Shares held |
|---|---|---|---|
| 1 | 株式会社三菱UFJフィナンシャル・グループ | 37.57% | 588,723,000 |
| 2 | 丸糸殖産株式会社 | 17.45% | 273,467,000 |
| 3 | マルイト株式会社 | 8.01% | 125,533,000 |
| 4 | 日本マスタートラスト信託銀行株式会社(信託口) | 7.29% | 114,334,000 |
| 5 | 公益財団法人木下記念事業団 | 5.88% | 92,192,000 |
| 6 | 株式会社丸糸商店 | 2.47% | 38,733,000 |
| 7 | 三菱UFJ信託銀行株式会社 | 2.01% | 31,572,000 |
| 8 | 株式会社日本カストディ銀行(信託口) | 1.04% | 16,340,000 |
| 9 | MASA&COMPANY株式会社 | 0.7% | 11,000,000 |
| 10 | 野村信託銀行株式会社(退職給付信託・三菱UFJ信託銀行口) | 0.57% | 9,000,000 |
Revenue scale in the same industry
Revenue of this company: not retrieved (no comparison)
Workforce information
Women 11.3 yrs Average length of service by gender
Administrative filings and published information
Workplace information filings
| Item | Value |
|---|---|
| Employees | 2,194 |
| Average monthly overtime (statutory overtime plus work on statutory days off) |
21.4 hours |
| Annual paid leave taken (all employees) | 79.1% |
| Childcare leave taken, men |
86.9% |
| Childcare leave taken, women |
94.7% |
| Share of managers who are women | 10% |
| Share of board members who are women | 10% |
Greenhouse gas emissions
| Category | Emissions |
|---|---|
| 特定事業所排出者 | 6,661 t-CO2 |
Audit and disclosure information
| Item | Value |
|---|---|
| Audit firm | 有限責任監査法人トーマツ |
| Audit fees (this year, total) | ¥0.1 billion |
| Non-audit fees (this year, total) | ¥6.79 million |
| Audit fees (this year, network firms) | ¥23.56 million |
| Non-audit fees (this year, network firms) | ¥2.81 million |
| Going concern note | Cannot be determined |
| Accounting standard | Japanese GAAP |
Related books, articles and videos
Sources and methodology
Retrieved disclosed figures
Major management indicators (5 years) (28 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Comprehensive income | ¥101.4 billion | Consolidated |
| Operating revenue | ¥337.7 billion | Consolidated |
| Net cash provided by (used in) operating activities | ¥12.1 billion | Consolidated |
| Net cash provided by (used in) investing activities | ¥-4.9 billion | Consolidated |
| Cash and cash equivalents | ¥80.4 billion | Consolidated |
| Net assets | ¥782.5 billion | Consolidated |
| Ordinary income (loss) | ¥100.5 billion | Consolidated |
| Total assets | ¥1,616.4 billion | Consolidated |
| Return on equity | 11.6% | Consolidated |
| Equity-to-asset ratio | 44.5% | Consolidated |
| Net income (loss) attributable to owners of parent | ¥79.6 billion | Consolidated |
| Net cash provided by (used in) financing activities | ¥13.1 billion | Consolidated |
| Basic earnings (loss) per share | 50.83 yen | Consolidated |
| Net assets per share | 458.96 yen | Consolidated |
| Dividend per share | 22 yen | Parent only |
| Operating revenue | ¥248.8 billion | Parent only |
| Net income (loss) | ¥70.5 billion | Parent only |
| Total number of issued shares (common stock) | 1,566,614,000 shares | Parent only |
| Net assets | ¥574.9 billion | Parent only |
| Ordinary income (loss) | ¥81.0 billion | Parent only |
| Total assets | ¥1,350.8 billion | Parent only |
| Return on equity | 12.8% | Parent only |
| Equity-to-asset ratio | 42.6% | Parent only |
| Capital stock | ¥63.8 billion | Parent only |
| Payout ratio | 48.9% | Parent only |
| Interim dividend per share | 10 yen | Parent only |
| Basic earnings (loss) per share | 44.99 yen | Parent only |
| Net assets per share | 366.95 yen | Parent only |
Employees (11 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Number of employees | 5,626 people | Consolidated |
| Number of employees | 5,626 people | Consolidated |
| Wage gap between men and women (all employees) | 72.0% | Parent only |
| Average length of service (years) | 14.7 years | Parent only |
| Average annual salary | ¥7.21 million | Parent only |
| Average age (years) | 40.7 years old | Parent only |
| Number of employees | 2,125 people | Parent only |
| Number of employees | 2,125 people | Parent only |
| Number of employees | 2,125 people | Parent only |
| Wage gap between men and women (regular employees) | 71.8% | Parent only |
| Wage gap between men and women (non-regular employees) | 76.5% | Parent only |
Other disclosed items (10 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Average number of temporary employees | 122 people | Consolidated |
| Average number of temporary employees | 122 people | Consolidated |
| Number of associates accounted for using equity method | 1 companies | Consolidated |
| Number of consolidated subsidiaries | 6 companies | Consolidated |
| Rate of male employees taking childcare leave (all employees) | 86.9% | Parent only |
| Average number of temporary employees | 105 people | Parent only |
| Average number of temporary employees | 105 people | Parent only |
| Average number of temporary employees | 105 people | Parent only |
| Total return on the share price index | 202.2% | Parent only |
| Ratio of female employees in managerial positions | 10.0% | Parent only |
Shares (14 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Total of dividends received equity securities not listed investment equity securities held for pure investment reporting company | ¥15.00 million | Consolidated |
| Total of gain loss on sale equity securities not listed investment equity securities held for pure investment reporting company | ¥0 | Consolidated |
| Number of shares held | 1,300,897,000 shares | Consolidated |
| Total number of shares held treasury shares etc | 100 shares | Consolidated |
| Number of shares | 1,566,614,098 shares | Consolidated |
| Shareholding ratio treasury shares etc | 0.0% | Consolidated |
| Shareholding ratio | 83.0% | Consolidated |
| Number of shares held in own name treasury shares etc | 100 shares | Consolidated |
| Number of voting rights | 15,665,234 units | Consolidated |
| Book value equity securities not listed investment equity securities held for pure investment reporting company | ¥1.0 billion | Consolidated |
| Book value equity securities other than those not listed investment equity securities held for pure investment reporting company | ¥0 | Consolidated |
| Number of issues | 12 issues | Consolidated |
| Number of issues | 1 issues | Consolidated |
| Total shareholder return | 102.0% | Parent only |
Audit (11 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Fees for audit and attestation services - reporting company | ¥4.48 million | Consolidated |
| Fees for audit and attestation services - reporting company | ¥0.1 billion | Consolidated |
| Fees for audit and attestation services - total | ¥23.56 million | Consolidated |
| Fees for audit and attestation services - total | ¥0.1 billion | Consolidated |
| Fees for audit and attestation services - consolidated subsidiaries | ¥19.08 million | Consolidated |
| Fees for audit and attestation services - consolidated subsidiaries | ¥23.75 million | Consolidated |
| Fees for non-audit services - reporting company | ¥2.40 million | Consolidated |
| Fees for non-audit services - reporting company | ¥6.79 million | Consolidated |
| Fees for non-audit services - total | ¥2.81 million | Consolidated |
| Fees for non-audit services - total | ¥6.79 million | Consolidated |
| Non audit fees consolidated subsidiaries network firms | ¥0.41 million | Consolidated |
Accounts unique to this company (8 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Revenue | ¥13.7 billion | Consolidated |
| Revenue | ¥63.00 million | Consolidated |
| Revenue | ¥-1.2 billion | Consolidated |
| Change in average annual salary from the previous year | 4.5% | Parent only |
| Revenue | ¥62.5 billion | Parent only |
| Revenue | ¥94.00 million | Parent only |
| Revenue | ¥11.8 billion | Parent only |
| Revenue | ¥63.00 million | Parent only |
Balance sheet (132 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Other | ¥0.5 billion | Consolidated |
| Other | ¥3.2 billion | Consolidated |
| Other | ¥14.6 billion | Consolidated |
| Other | ¥105.5 billion | Consolidated |
| Other | ¥12.00 million | Consolidated |
| Commercial papers | ¥84.9 billion | Consolidated |
| Software | ¥14.8 billion | Consolidated |
| Lease obligations | ¥0.5 billion | Consolidated |
| Lease obligations | ¥0.4 billion | Consolidated |
| Lease assets | ¥1.6 billion | Consolidated |
| Lease assets, net | ¥0.8 billion | Consolidated |
| Provision for loss on guarantees | ¥13.5 billion | Consolidated |
| Provision for loss on interest repayment nclspf | ¥41.5 billion | Consolidated |
| Retained earnings | ¥534.6 billion | Consolidated |
| Accounts receivable installment | ¥154.3 billion | Consolidated |
| Accounts receivable operating loans caspf | ¥1,277.6 billion | Consolidated |
| Furniture and fixtures | ¥11.1 billion | Consolidated |
| Equipment, net | ¥3.0 billion | Consolidated |
| Non-current liabilities | ¥424.5 billion | Consolidated |
| Non-current assets | ¥94.8 billion | Consolidated |
| Guarantee deposits | ¥3.6 billion | Consolidated |
| Buildings and structures | ¥13.3 billion | Consolidated |
| Buildings and structures, net | ¥2.1 billion | Consolidated |
| Investments and other assets | ¥74.1 billion | Consolidated |
| Investment securities | ¥1.5 billion | Consolidated |
| Notes and accounts payable - trade | ¥0.6 billion | Consolidated |
| Property, plant and equipment | ¥5.9 billion | Consolidated |
| Income taxes payable | ¥24.2 billion | Consolidated |
| Shareholders' equity | ¥668.3 billion | Consolidated |
| Current liabilities | ¥409.4 billion | Consolidated |
| Current assets | ¥1,521.6 billion | Consolidated |
| Accumulated depreciation | ¥-0.8 billion | Consolidated |
| Accumulated depreciation | ¥-8.1 billion | Consolidated |
| Accumulated depreciation | ¥-11.2 billion | Consolidated |
| Foreign currency translation adjustment | ¥46.1 billion | Consolidated |
| Intangible assets | ¥14.8 billion | Consolidated |
| Cash and cash equivalents | ¥80.4 billion | Consolidated |
| Cash and deposits | ¥80.4 billion | Consolidated |
| Short-term loans payable | ¥13.4 billion | Consolidated |
| Bonds payable | ¥114.7 billion | Consolidated |
| Net assets | ¥782.5 billion | Consolidated |
| Net assets | ¥782.5 billion | Consolidated |
| Total assets | ¥1,616.4 billion | Consolidated |
| Deferred tax assets | ¥50.6 billion | Consolidated |
| Treasury stock | ¥-0 | Consolidated |
| Valuation and translation adjustments | ¥50.7 billion | Consolidated |
| Liabilities | ¥833.9 billion | Consolidated |
| Liabilities and net assets | ¥1,616.4 billion | Consolidated |
| Purchased receivables | ¥10.6 billion | Consolidated |
| Allowance for doubtful accounts | ¥-0.6 billion | Consolidated |
| Allowance for doubtful accounts | ¥-106.8 billion | Consolidated |
| Capital surplus | ¥69.9 billion | Consolidated |
| Capital stock | ¥63.8 billion | Consolidated |
| Asset retirement obligations | ¥3.7 billion | Consolidated |
| Asset retirement obligations | ¥0.4 billion | Consolidated |
| Remeasurements of defined benefit plans | ¥4.7 billion | Consolidated |
| Net defined benefit liability | ¥1.7 billion | Consolidated |
| Net defined benefit asset | ¥15.7 billion | Consolidated |
| Long-term loans payable | ¥261.9 billion | Consolidated |
| Non-controlling interests | ¥63.4 billion | Consolidated |
| Current portion of bonds payable | ¥62.5 billion | Consolidated |
| Current portion of long-term loans payable | ¥194.9 billion | Consolidated |
| Other | ¥0.2 billion | Parent only |
| Other | ¥4.9 billion | Parent only |
| Other | ¥0.3 billion | Parent only |
| Other | ¥6.2 billion | Parent only |
| Other | ¥9.00 million | Parent only |
| Commercial papers | ¥84.9 billion | Parent only |
| Software | ¥13.6 billion | Parent only |
| Lease obligations | ¥0.5 billion | Parent only |
| Lease obligations | ¥0.4 billion | Parent only |
| Lease assets | ¥1.6 billion | Parent only |
| Lease assets, net | ¥0.8 billion | Parent only |
| Provision for loss on guarantees | ¥11.8 billion | Parent only |
| General reserve | ¥80.0 billion | Parent only |
| Provision for loss on interest repayment nclspf | ¥41.5 billion | Parent only |
| Retained earnings | ¥438.7 billion | Parent only |
| Legal retained earnings | ¥4.3 billion | Parent only |
| Prepaid pension cost | ¥8.4 billion | Parent only |
| Prepaid expenses | ¥0.9 billion | Parent only |
| Accounts receivable installment | ¥153.5 billion | Parent only |
| Accounts receivable operating loans caspf | ¥990.4 billion | Parent only |
| Furniture and fixtures | ¥8.9 billion | Parent only |
| Equipment, net | ¥2.6 billion | Parent only |
| Non-current liabilities | ¥402.7 billion | Parent only |
| Non-current assets | ¥132.4 billion | Parent only |
| Guarantee deposits | ¥3.1 billion | Parent only |
| Buildings | ¥10.0 billion | Parent only |
| Buildings, net | ¥1.4 billion | Parent only |
| Investments and other assets | ¥113.7 billion | Parent only |
| Investment securities | ¥1.0 billion | Parent only |
| Property, plant and equipment | ¥5.2 billion | Parent only |
| Accrued income | ¥17.4 billion | Parent only |
| Income taxes payable | ¥20.1 billion | Parent only |
| Accrued expenses | ¥9.8 billion | Parent only |
| Accounts payable - other | ¥1.0 billion | Parent only |
| Shareholders' equity | ¥574.9 billion | Parent only |
| Structures | ¥1.6 billion | Parent only |
| Structures, net | ¥0.3 billion | Parent only |
| Current liabilities | ¥373.2 billion | Parent only |
| Current assets | ¥1,218.3 billion | Parent only |
| Accumulated depreciation | ¥-0.8 billion | Parent only |
| Accumulated depreciation | ¥-6.3 billion | Parent only |
| Accumulated depreciation | ¥-8.6 billion | Parent only |
| Accumulated depreciation | ¥-1.2 billion | Parent only |
| Intangible assets | ¥13.6 billion | Parent only |
| Cash and deposits | ¥64.5 billion | Parent only |
| Claims provable in bankruptcy claims provable in rehabilitation and other | ¥1.0 billion | Parent only |
| Bonds payable | ¥105.0 billion | Parent only |
| Net assets | ¥574.9 billion | Parent only |
| Net assets | ¥574.9 billion | Parent only |
| Total assets | ¥1,350.8 billion | Parent only |
| Deferred tax assets | ¥58.9 billion | Parent only |
| Retained earnings brought forward | ¥354.4 billion | Parent only |
| Treasury stock | ¥-0 | Parent only |
| Liabilities | ¥775.9 billion | Parent only |
| Liabilities and net assets | ¥1,350.8 billion | Parent only |
| Accounts payable - trade | ¥0.6 billion | Parent only |
| Allowance for doubtful accounts | ¥-0.6 billion | Parent only |
| Allowance for doubtful accounts | ¥-77.1 billion | Parent only |
| Capital surplus | ¥72.3 billion | Parent only |
| Legal capital surplus | ¥72.3 billion | Parent only |
| Capital stock | ¥63.8 billion | Parent only |
| Asset retirement obligations | ¥3.4 billion | Parent only |
| Asset retirement obligations | ¥0.4 billion | Parent only |
| Long-term loans payable | ¥252.1 billion | Parent only |
| Long-term prepaid expenses | ¥1.3 billion | Parent only |
| Shares of subsidiaries and associates | ¥26.7 billion | Parent only |
| Long-term loans receivable from subsidiaries and affiliates | ¥9.0 billion | Parent only |
| Deposits received | ¥0.3 billion | Parent only |
| Current portion of bonds payable | ¥55.0 billion | Parent only |
| Current portion of long-term loans payable | ¥188.5 billion | Parent only |
Statement of income (121 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Other | ¥94.00 million | Consolidated |
| Other | ¥0.1 billion | Consolidated |
| Other | ¥27.00 million | Consolidated |
| Other | ¥27.2 billion | Consolidated |
| Other | ¥6.00 million | Consolidated |
| Other | ¥0.7 billion | Consolidated |
| Other comprehensive income | ¥16.5 billion | Consolidated |
| Other revenue form operatione | ¥34.6 billion | Consolidated |
| Other orerating expenses | ¥227.5 billion | Consolidated |
| Other | ¥0.2 billion | Consolidated |
| Valuation difference on available for sale securities net of tax | ¥-0 | Consolidated |
| Revenue from credit guarantee rev oa | ¥71.0 billion | Consolidated |
| Per item revenue rev oa | ¥59.00 million | Consolidated |
| Cost of purchased receivable cos exp oa | ¥2.4 billion | Consolidated |
| Provision for loss on interest repayment | ¥6.6 billion | Consolidated |
| Dividends from surplus | ¥-26.6 billion | Consolidated |
| Credit card revenue rev oa | ¥19.1 billion | Consolidated |
| Comprehensive income | ¥101.4 billion | Consolidated |
| Interest income | ¥0 | Consolidated |
| Rental income | ¥0.3 billion | Consolidated |
| Dividend income | ¥15.00 million | Consolidated |
| Operating income | ¥100.4 billion | Consolidated |
| Operating revenue | ¥337.7 billion | Consolidated |
| Non-operating income | ¥0.4 billion | Consolidated |
| Non-operating expenses | ¥0.3 billion | Consolidated |
| Net cash provided by (used in) operating activities | ¥12.1 billion | Consolidated |
| Interest on operating loans spf | ¥207.3 billion | Consolidated |
| Operating expenses | ¥237.3 billion | Consolidated |
| Loss on sale of non-current assets | ¥0 | Consolidated |
| Gain on sales of non-current assets | ¥0.5 billion | Consolidated |
| Loss on retirement of non-current assets | ¥0.2 billion | Consolidated |
| Advertising expenses | ¥17.8 billion | Consolidated |
| Net income | ¥79.6 billion | Consolidated |
| Net income | ¥79.6 billion | Consolidated |
| Net income (loss) | ¥84.9 billion | Consolidated |
| Net income (loss) | ¥84.9 billion | Consolidated |
| Employees salaries and bonuses oespf | ¥25.7 billion | Consolidated |
| Loss on sales of investment securities | ¥0 | Consolidated |
| Net cash provided by (used in) investing activities | ¥-4.9 billion | Consolidated |
| Share of profit of investments accounted for using equity method | ¥25.00 million | Consolidated |
| Interest expenses | ¥5.00 million | Consolidated |
| Interest expenses | ¥5.0 billion | Consolidated |
| Commission fees | ¥28.2 billion | Consolidated |
| Income taxes - current | ¥27.9 billion | Consolidated |
| Income taxes | ¥15.9 billion | Consolidated |
| Income taxes - deferred | ¥-12.0 billion | Consolidated |
| Depreciation | ¥3.9 billion | Consolidated |
| Foreign exchange losses | ¥0.2 billion | Consolidated |
| Foreign currency translation adjustment net of tax | ¥14.4 billion | Consolidated |
| Extraordinary income | ¥0.5 billion | Consolidated |
| Extraordinary loss | ¥0.3 billion | Consolidated |
| Effect of exchange rate change on cash and cash equivalents | ¥-52.00 million | Consolidated |
| Net increase (decrease) in cash and cash equivalents | ¥20.2 billion | Consolidated |
| Interest on bonds | ¥1.5 billion | Consolidated |
| Amortization of bond issuance cost oespf | ¥0.1 billion | Consolidated |
| Welfare expenses | ¥3.4 billion | Consolidated |
| Income (loss) before income taxes | ¥100.7 billion | Consolidated |
| Income (loss) before income taxes | ¥100.7 billion | Consolidated |
| Ordinary income | ¥100.5 billion | Consolidated |
| Purchase of treasury stock | ¥-0 | Consolidated |
| Comprehensive income attributable to owners of parent | ¥92.1 billion | Consolidated |
| Net cash provided by (used in) financing activities | ¥13.1 billion | Consolidated |
| Collection from purchased receivable rev oa | ¥5.5 billion | Consolidated |
| Provision of allowance for doubtful accounts | ¥95.8 billion | Consolidated |
| Rent expenses | ¥5.5 billion | Consolidated |
| Remeasurements of defined benefit plans net of tax | ¥2.1 billion | Consolidated |
| Retirement benefit expenses | ¥-0.3 billion | Consolidated |
| Financial expenses | ¥7.3 billion | Consolidated |
| Comprehensive income attributable to non-controlling interests | ¥9.3 billion | Consolidated |
| Net income (loss) attributable to non-controlling interests | ¥5.3 billion | Consolidated |
| Interest on deposits orspf | ¥64.00 million | Consolidated |
| Other | ¥0.4 billion | Parent only |
| Other | ¥20.00 million | Parent only |
| Other | ¥18.7 billion | Parent only |
| Other | ¥6.00 million | Parent only |
| Other | ¥0.7 billion | Parent only |
| Other revenue form operatione | ¥26.1 billion | Parent only |
| Other orerating expenses | ¥167.8 billion | Parent only |
| Other | ¥0.1 billion | Parent only |
| Revenue from credit guarantee rev oa | ¥58.1 billion | Parent only |
| Provision for loss on interest repayment | ¥6.6 billion | Parent only |
| Dividends from surplus | ¥-26.6 billion | Parent only |
| Credit card revenue rev oa | ¥19.1 billion | Parent only |
| Interest income | ¥55.00 million | Parent only |
| Dividend income | ¥5.8 billion | Parent only |
| Operating income | ¥75.1 billion | Parent only |
| Operating revenue | ¥248.8 billion | Parent only |
| Non-operating income | ¥6.2 billion | Parent only |
| Non-operating expenses | ¥0.3 billion | Parent only |
| Interest on operating loans spf | ¥145.3 billion | Parent only |
| Operating expenses | ¥173.7 billion | Parent only |
| Loss on sale of non-current assets | ¥0 | Parent only |
| Gain on sales of non-current assets | ¥0.5 billion | Parent only |
| Loss on retirement of non-current assets | ¥0.2 billion | Parent only |
| Advertising expenses | ¥17.5 billion | Parent only |
| Net income (loss) | ¥70.5 billion | Parent only |
| Net income (loss) | ¥70.5 billion | Parent only |
| Employees salaries and bonuses oespf | ¥15.4 billion | Parent only |
| Loss on sales of investment securities | ¥0 | Parent only |
| Interest expenses | ¥5.00 million | Parent only |
| Interest expenses | ¥4.0 billion | Parent only |
| Commission fees | ¥22.9 billion | Parent only |
| Income taxes - current | ¥21.1 billion | Parent only |
| Income taxes | ¥7.6 billion | Parent only |
| Income taxes - deferred | ¥-13.4 billion | Parent only |
| Depreciation | ¥3.3 billion | Parent only |
| Foreign exchange losses | ¥0.2 billion | Parent only |
| Extraordinary income | ¥0.5 billion | Parent only |
| Extraordinary loss | ¥3.3 billion | Parent only |
| Interest on bonds | ¥1.1 billion | Parent only |
| Amortization of bond issuance cost oespf | ¥0.1 billion | Parent only |
| Welfare expenses | ¥2.6 billion | Parent only |
| Income (loss) before income taxes | ¥78.1 billion | Parent only |
| Ordinary income | ¥81.0 billion | Parent only |
| Purchase of treasury stock | ¥-0 | Parent only |
| Provision of allowance for doubtful accounts | ¥66.2 billion | Parent only |
| Rent expenses | ¥3.6 billion | Parent only |
| Retirement benefit expenses | ¥-0.6 billion | Parent only |
| Financial expenses | ¥5.9 billion | Parent only |
| Loss on valuation of shares of subsidiaries and associates | ¥3.1 billion | Parent only |
| Interest on deposits orspf | ¥7.00 million | Parent only |
Statement of changes in equity (4 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Total changes during the period | ¥73.4 billion | Consolidated |
| Net changes in items other than shareholders' equity | ¥20.4 billion | Consolidated |
| Total changes during the period | ¥43.8 billion | Parent only |
| Net changes in items other than shareholders' equity | ¥-0 | Parent only |
Statement of cash flows (41 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Increase decrease by other operating activities ope cfspf | ¥1.7 billion | Consolidated |
| Increase decrease by other investment activities inv cfspf | ¥-0.2 billion | Consolidated |
| Increase (decrease) in other current liabilities | ¥0.8 billion | Consolidated |
| Decrease (increase) in other current assets | ¥-5.7 billion | Consolidated |
| Redemption of commercial paper | ¥-390.0 billion | Consolidated |
| Proceeds from issuance of commercial paper | ¥419.6 billion | Consolidated |
| Repayments of finance lease obligations | ¥-0.3 billion | Consolidated |
| Increase decrease in notes and accounts payable trade | ¥-0.2 billion | Consolidated |
| Increase decrease in provision for loss on guarantees | ¥0.8 billion | Consolidated |
| Interest expenses paid | ¥-5.00 million | Consolidated |
| Interest and dividends income received | ¥16.00 million | Consolidated |
| Increase (decrease) in provision for loss on interest repayment | ¥-6.5 billion | Consolidated |
| Decrease increase in accounts receivable installment | ¥-16.1 billion | Consolidated |
| Interest and dividend income | ¥-16.00 million | Consolidated |
| Decrease increase in operating loans ope cfspf | ¥-57.4 billion | Consolidated |
| Subtotal | ¥24.4 billion | Consolidated |
| Proceeds from sales of investment securities | ¥0 | Consolidated |
| Loss (gain) on sales of long-term investment securities | ¥0 | Consolidated |
| Equity in earnings losses of affiliates | ¥-25.00 million | Consolidated |
| Interest expenses | ¥5.00 million | Consolidated |
| Purchase of property plant and equipment | ¥-0.7 billion | Consolidated |
| Proceeds from sales of property plant and equipment | ¥1.2 billion | Consolidated |
| Loss gain on sales of property plant and equipment | ¥-0.5 billion | Consolidated |
| Loss on retirement of property, plant and equipment | ¥0.2 billion | Consolidated |
| Income taxes paid | ¥-12.3 billion | Consolidated |
| Depreciation | ¥3.9 billion | Consolidated |
| Foreign exchange loss (gain) | ¥86.00 million | Consolidated |
| Purchase of intangible assets | ¥-5.1 billion | Consolidated |
| Increase in short term loans payable | ¥256.0 billion | Consolidated |
| Decrease in short term loans payable | ¥-259.6 billion | Consolidated |
| Redemption of bonds | ¥-13.2 billion | Consolidated |
| Proceeds from issuance of bonds | ¥29.9 billion | Consolidated |
| Amortization of bond issuance cost | ¥0.1 billion | Consolidated |
| Regarding purchase of treasury stock | ¥-0 | Consolidated |
| Increase (decrease) in allowance for doubtful accounts | ¥5.2 billion | Consolidated |
| Increase (decrease) in net defined benefit liability | ¥96.00 million | Consolidated |
| Inorease (decrease) in asset for retirement benefits | ¥-1.7 billion | Consolidated |
| Dividends | ¥-26.6 billion | Consolidated |
| Proceeds from long term loans payable | ¥189.2 billion | Consolidated |
| Repayment of long term loans payable | ¥-190.5 billion | Consolidated |
| Dividends paid to non-controlling interests | ¥-1.4 billion | Consolidated |
Basic indicators
| Item | Value | Consolidated / Non-consolidated | Source |
|---|---|---|---|
| Net cash provided by (used in) operating activities | ¥12.1 billion | Consolidated | Disclosed |
| Dividend per share | 22 | Parent only | Disclosed |
| Number of employees | 5,626 | Consolidated | Disclosed |
| Net assets | ¥782.5 billion | Consolidated | Disclosed |
| Operating income | ¥100.4 billion | Consolidated | Disclosed |
| Operating revenue | Not disclosed | Not applicable | Not disclosed |
| Ordinary income | ¥100.5 billion | Consolidated | Disclosed |
| Net income | ¥79.6 billion | Consolidated | Disclosed |
| Total assets | ¥1,616.4 billion | Consolidated | Disclosed |
| Operating margin | Not disclosed | Not applicable | Not calculated (a required value is not disclosed) |
| Net margin | Not disclosed | Not applicable | Not calculated (a required value is not disclosed) |
| Sales per employee | Not disclosed | Not applicable | Not calculated (a required value is not disclosed) |
| Total asset turnover | Not disclosed | Not applicable | Not calculated (a required value is not disclosed) |
| Net assets to total assets | 48.4% | Consolidated | Calculated |