日本政策金融公庫
株式会社日本政策金融公庫
Company highlights
The largest segment by revenue is 信用保険等業務, at 46.0% of the total.
Key figures
Period Apr 2025 to Mar 2026
RevenueDisclosed
—
Operating marginCalculated
Could not be retrieved
Net assets to total assetsCalculated
50.3%
Company profile
Tables scroll sideways
Disclosed data
Profitability
Could not be retrieved
Growth
Could not be retrieved
Capital efficiency
Could not be retrieved
Business activities and revenue composition
日本政策金融公庫
Revenue and profit by business segment
Period Apr 2025 to Mar 2026Source Annual securities reportsParent only・Disclosed
| Business | Net sales to external customers | ||
|---|---|---|---|
| This year | Share | Last year | |
| 信用保険等業務 | ¥287.2 billion | 46.0% | ¥331.2 billion |
| 国民一般向け業務 | ¥155.6 billion | 24.9% | ¥143.1 billion |
| 中小企業者向け融資・証券化支援保証業務 | ¥99.8 billion | 16.0% | ¥90.3 billion |
| 農林水産業者向け業務 | ¥67.4 billion | 10.8% | ¥52.6 billion |
| 危機対応円滑化業務 | ¥13.1 billion | 2.1% | ¥10.9 billion |
| 中小企業者向け証券化支援買取業務 | ¥0.7 billion | 0.1% | ¥0.6 billion |
| 特定事業等促進円滑化業務 | ¥0.6 billion | 0.1% | ¥0.4 billion |
| Total of the businesses | ¥624.6 billion | 100.0% | |
Revenue and profit
Amounts by account
| Group | Account | Amount | Consolidated / Non-consolidated |
|---|---|---|---|
| Profit by stage | Ordinary income | ¥-292.6 billion | Parent only |
Performance, financial position and capital allocation
Finance
50.3%
Net assets to total assets
Industry median 17.4%
FY ending 3/2026 · consolidated / calculated
¥0.68
Net assets per share
¥29,700.6 billion
Total assets
日本政策金融公庫
Long-term revenue, profit and asset trends
Period 2013 to 2026Source Annual securities reportsDisclosed
日本政策金融公庫
Recent performance trends
Source Annual securities reports
Year-on-year comparison
| Item | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| Ordinary revenue | ¥437.1B | ¥417.0B | ¥749.4B | ¥629.1B | ¥624.6B |
| Year on year (%) | -8.7% | -4.6% | +79.7%◆ | -16.1% | -0.7% |
| Ordinary income (loss) | -¥387.3B | -¥268.8B | -¥82.2B | -¥200.7B | -¥292.6B |
| Change from prior year | 0.37x | 0.69x | 0.31x | 2.44x | 1.46x |
| Ordinary income (loss) as a share of Ordinary revenue | -88.6% | -64.5% | -11.0% | -31.9% | -46.8% |
| Change (percentage points) | +128.0 points◆ | +24.2 points◆ | +53.5 points◆ | -20.9 points◆ | -14.9 points◆ |
Fiscal periods marked for changes
Earlier fiscal periods (10)
- 2014Ordinary income (loss) as a share of revenue +38.4 points
- 2015Ordinary revenue year on year -36.1%, Ordinary income (loss) as a share of revenue -38.0 points
- 2016Ordinary revenue year on year +21.9%, Ordinary income (loss) as a share of revenue +50.7 points, Ordinary income (loss) loss to profit
- 2017Ordinary income (loss) as a share of revenue +8.5 points
- 2018Ordinary income (loss) as a share of revenue +2.7 points
- 2019Ordinary income (loss) as a share of revenue -6.0 points
- 2020Ordinary income (loss) as a share of revenue -19.7 points, Ordinary income (loss) profit to loss
- 2021Ordinary income (loss) as a share of revenue -210.3 points
- 2022Ordinary income (loss) as a share of revenue +128.0 points
- 2023Ordinary income (loss) as a share of revenue +24.2 points
- 2024Ordinary revenue year on year +79.7%, Ordinary income (loss) as a share of revenue +53.5 points
- 2025Ordinary income (loss) as a share of revenue -20.9 points
- 2026Ordinary income (loss) as a share of revenue -14.9 points
日本政策金融公庫
Earnings and net assets per share over time
Unit yenSource Annual securities reports
Parent only indicators (16 items)
| Item | 4 years ago | 3 years ago | 2 years ago | Last year | This year |
|---|---|---|---|---|---|
| Ordinary revenue | ¥437.1 billion | ¥417.0 billion | ¥749.4 billion | ¥629.1 billion | ¥624.6 billion |
| Ordinary income (loss) | ¥-387.3 billion | ¥-268.8 billion | ¥-82.2 billion | ¥-200.7 billion | ¥-292.6 billion |
| Net income (loss) | ¥-387.5 billion | ¥-268.7 billion | ¥-82.3 billion | ¥-200.9 billion | ¥-292.5 billion |
| Investment gain (loss) under the equity method | ¥16.00 million | ¥3.00 million | ¥-64.00 million | ¥-0.1 billion | ¥-14.00 million |
| Capital stock | ¥11,612.7 billion | ¥11,696.2 billion | ¥11,768.5 billion | ¥11,768.6 billion | ¥11,780.9 billion |
| Total number of issued shares (common stock) | 21,592,355,107,000 shares | 21,732,826,406,000 shares | 21,851,825,305,000 shares | 21,898,573,048,000 shares | 21,956,993,263,000 shares |
| Net assets | ¥15,414.9 billion | ¥15,286.5 billion | ¥15,323.2 billion | ¥15,168.8 billion | ¥14,931.9 billion |
| Total assets | ¥40,266.6 billion | ¥36,730.7 billion | ¥33,518.9 billion | ¥31,285.8 billion | ¥29,700.6 billion |
| Loans outstanding | ¥28,855.9 billion | ¥27,739.6 billion | ¥25,661.2 billion | ¥23,907.9 billion | ¥22,443.7 billion |
| Net assets per share | 0.71 yen | 0.7 yen | 0.7 yen | 0.69 yen | 0.68 yen |
| Basic earnings (loss) per share | -0.02 yen | -0.01 yen | -0 yen | -0 yen | -0.01 yen |
| Equity-to-asset ratio | 38.3% | 41.6% | 45.7% | 48.5% | 50.3% |
| Net cash provided by (used in) operating activities | ¥-4,841.7 billion | ¥-2,933.6 billion | ¥-1,056.1 billion | ¥-184.4 billion | ¥143.3 billion |
| Net cash provided by (used in) investing activities | ¥-17.2 billion | ¥-16.3 billion | ¥-19.8 billion | ¥-223.6 billion | ¥-108.4 billion |
| Net cash provided by (used in) financing activities | ¥6,943.4 billion | ¥138.6 billion | ¥117.0 billion | ¥44.3 billion | ¥52.7 billion |
| Cash and cash equivalents | ¥4,394.6 billion | ¥1,583.4 billion | ¥624.7 billion | ¥261.0 billion | ¥348.6 billion |
Shareholder composition
Major shareholders
| Rank | Shareholder | Shareholding ratio | Shares held |
|---|---|---|---|
| 1 | 財務大臣 | 98.45% | 21,616,094,218,741 |
| 2 | 経済産業大臣 | 1.34% | 295,295,000,000 |
| 3 | 農林水産大臣 | 0.18% | 40,271,000,000 |
| 4 | 厚生労働大臣 | 0.02% | 5,333,045,000 |
Revenue scale in the same industry
Revenue of this company: not retrieved (no comparison)
Workforce information
7,368
Employees (parent only)
Industry median 324
Could not be retrieved
Average age
Industry median 40.7
Could not be retrieved
Average length of service
Industry median 10.6 years
Could not be retrieved
Average annual salary
Industry median ¥7.13 million
People and organisation
1,592
Average temporary staff
Administrative filings and published information
Workplace information filings
| Item | Value |
|---|---|
| Employees | 7,368 |
| Average monthly overtime (statutory overtime plus work on statutory days off) |
14.7 hours |
| Childcare leave taken, men |
106.9% |
| Childcare leave taken, women |
97.4% |
| Share of managers who are women | 9.9% |
| Share of board members who are women | 9.1% |
Greenhouse gas emissions
| Category | Emissions |
|---|---|
| 特定事業所排出者 | 7,547 t-CO2 |
Audit and disclosure information
| Item | Value |
|---|---|
| Audit firm | EY新日本有限責任監査法人 |
| 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) (16 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Net cash provided by (used in) operating activities | ¥143.3 billion | Parent only |
| Net income (loss) | ¥-292.5 billion | Parent only |
| Net cash provided by (used in) investing activities | ¥-108.4 billion | Parent only |
| Investment gain (loss) under the equity method | ¥-14.00 million | Parent only |
| Cash and cash equivalents | ¥348.6 billion | Parent only |
| Total number of issued shares (common stock) | 21,956,993,263,000 shares | Parent only |
| Net assets | ¥14,931.9 billion | Parent only |
| Ordinary income (loss) | ¥-292.6 billion | Parent only |
| Ordinary revenue | ¥624.6 billion | Parent only |
| Total assets | ¥29,700.6 billion | Parent only |
| Equity-to-asset ratio | 50.3% | Parent only |
| Net cash provided by (used in) financing activities | ¥52.7 billion | Parent only |
| Loans outstanding | ¥22,443.7 billion | Parent only |
| Capital stock | ¥11,780.9 billion | Parent only |
| Basic earnings (loss) per share | -0.01 yen | Parent only |
| Net assets per share | 0.68 yen | Parent only |
Employees (1 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Number of employees | 7,368 people | Parent only |
Other disclosed items (4 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Net sales to external customers | ¥624.6 billion | Parent only |
| Average number of temporary employees | 1,592 people | Parent only |
| Increase in property plant and equipment and intangible assets | ¥38.5 billion | Parent only |
| Depreciation | ¥20.6 billion | Parent only |
Shares (2 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Number of shares held | 21,956,993,263,741 shares | Consolidated |
| Shareholding ratio | 100.0% | Consolidated |
Balance sheet (62 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Other | ¥3.5 billion | Parent only |
| Other securities investment securities assets bnk | ¥3.6 billion | Parent only |
| Other current liabilities | ¥9.8 billion | Parent only |
| Other current assets | ¥25.7 billion | Parent only |
| Other retained earnings | ¥-2,509.5 billion | Parent only |
| Valuation difference on available-for-sale securities | ¥16.00 million | Parent only |
| Other liabilities liabilities bnk | ¥33.4 billion | Parent only |
| Other assets | ¥51.0 billion | Parent only |
| Other, net | ¥0.7 billion | Parent only |
| Software | ¥40.3 billion | Parent only |
| Lease obligations | ¥9.4 billion | Parent only |
| Lease assets | ¥1.9 billion | Parent only |
| Lease assets, net | ¥6.4 billion | Parent only |
| Reserve for contract of insurance | ¥1,231.9 billion | Parent only |
| Borrowings | ¥12,771.0 billion | Parent only |
| Borrowed money liabilities bnk | ¥12,771.0 billion | Parent only |
| Retained earnings | ¥-2,407.3 billion | Parent only |
| Legal retained earnings | ¥102.2 billion | Parent only |
| Unearned revenue | ¥79.00 million | Parent only |
| Prepaid expenses | ¥0.1 billion | Parent only |
| Government bonds investment securities assets bnk | ¥321.1 billion | Parent only |
| Land | ¥137.9 billion | Parent only |
| Contract liabilities | ¥5.5 billion | Parent only |
| Buildings, net | ¥45.1 billion | Parent only |
| Construction in progress | ¥1.2 billion | Parent only |
| Provision for directors' bonuses | ¥26.00 million | Parent only |
| Provision for directors' retirement benefits | ¥66.00 million | Parent only |
| Acceptances and guarantees | ¥33.4 billion | Parent only |
| Customers' liabilities for acceptances and guarantees | ¥33.4 billion | Parent only |
| Securities | ¥339.7 billion | Parent only |
| Property, plant and equipment | ¥191.4 billion | Parent only |
| Accrued income | ¥23.3 billion | Parent only |
| Accrued expenses | ¥7.8 billion | Parent only |
| Shareholders' equity | ¥14,931.9 billion | Parent only |
| Shares | ¥2.5 billion | Parent only |
| Accumulated depreciation | ¥-54.6 billion | Parent only |
| Intangible assets | ¥45.6 billion | Parent only |
| Cash | ¥9.00 million | Parent only |
| Cash and cash equivalents | ¥348.6 billion | Parent only |
| Cash and due from banks assets bnk | ¥7,760.7 billion | Parent only |
| Bonds payable | ¥545.9 billion | Parent only |
| Bonds payable | ¥12.5 billion | Parent only |
| Net assets | ¥14,931.9 billion | Parent only |
| Net assets | ¥14,931.9 billion | Parent only |
| Total assets | ¥29,700.6 billion | Parent only |
| Total assets | ¥29,700.6 billion | Parent only |
| Retained earnings brought forward | ¥-2,509.5 billion | Parent only |
| Loans on deeds loans and bills discounted assets bnk | ¥22,443.7 billion | Parent only |
| Valuation and translation adjustments | ¥16.00 million | Parent only |
| Liabilities | ¥14,768.7 billion | Parent only |
| Liabilities | ¥14,768.7 billion | Parent only |
| Liabilities and net assets | ¥29,700.6 billion | Parent only |
| Allowance for doubtful accounts | ¥-1,164.8 billion | Parent only |
| Loans and bills discounted assets bnk | ¥22,443.7 billion | Parent only |
| Capital surplus | ¥5,558.3 billion | Parent only |
| Legal capital surplus | ¥5,376.8 billion | Parent only |
| Capital stock | ¥11,780.9 billion | Parent only |
| Provision for bonuses | ¥6.2 billion | Parent only |
| Provision for retirement benefits | ¥100.5 billion | Parent only |
| Derivatives other than for trading liabilities other liabilities bnk | ¥0.8 billion | Parent only |
| Derivatives other than for trading assets other assets bnk | ¥1.1 billion | Parent only |
| Deposit from customer | ¥7,760.6 billion | Parent only |
Accounts unique to this company (27 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Revenue | ¥0.7 billion | Parent only |
| Revenue | ¥16.9 billion | Parent only |
| Revenue | ¥29.4 billion | Parent only |
| Revenue | ¥181.5 billion | Parent only |
| Revenue | ¥1.9 billion | Parent only |
| Revenue | ¥263.7 billion | Parent only |
| Revenue | ¥153.7 billion | Parent only |
| Revenue | ¥15.4 billion | Parent only |
| Revenue | ¥94.6 billion | Parent only |
| Revenue | ¥73.3 billion | Parent only |
| Revenue | ¥73.0 billion | Parent only |
| Revenue | ¥0.3 billion | Parent only |
| Revenue | ¥364.6 billion | Parent only |
| Revenue | ¥435.3 billion | Parent only |
| Revenue | ¥-70.7 billion | Parent only |
| Revenue | ¥4.4 billion | Parent only |
| Revenue | ¥13.6 billion | Parent only |
| Revenue | ¥-2.9 billion | Parent only |
| Revenue | ¥-292.5 billion | Parent only |
| Revenue | ¥-94.6 billion | Parent only |
| Revenue | ¥-0.5 billion | Parent only |
| Revenue | ¥-2.1 billion | Parent only |
| Revenue | ¥-2.9 billion | Parent only |
| Revenue | ¥279.6 billion | Parent only |
| Revenue | ¥47.8 billion | Parent only |
| Revenue | ¥294.9 billion | Parent only |
| Revenue | ¥94.6 billion | Parent only |
Statement of income (48 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Other interest income oibnk | ¥0 | Parent only |
| Other fees and commissions oibnk | ¥0.3 billion | Parent only |
| Other fees and commissions oebnk | ¥2.9 billion | Parent only |
| Other other income oibnk | ¥4.3 billion | Parent only |
| Other other expenses oebnk | ¥6.6 billion | Parent only |
| Other ordinary income oibnk | ¥0.5 billion | Parent only |
| Other ordinary expenses oebnk | ¥5.0 billion | Parent only |
| Other income | ¥5.3 billion | Parent only |
| Other expenses | ¥338.8 billion | Parent only |
| Interest on call money oebnk | ¥52.00 million | Parent only |
| Interest on borrowings and rediscounts oebnk | ¥44.3 billion | Parent only |
| Recoveries of written off receivables | ¥0.9 billion | Parent only |
| Net cash provided by (used in) operating activities | ¥143.3 billion | Parent only |
| General and administrative expenses oebnk | ¥158.1 billion | Parent only |
| Loss on disposal of noncurrent assets | ¥40.00 million | Parent only |
| Gain on sale of fixed assets | ¥0.2 billion | Parent only |
| Loss on foreign exchange transactions oebnk | ¥0.5 billion | Parent only |
| Net income (loss) | ¥-292.5 billion | Parent only |
| Net income (loss) | ¥-292.5 billion | Parent only |
| Net income (loss) | ¥-292.5 billion | Parent only |
| Fees and commissions oibnk | ¥2.1 billion | Parent only |
| Fees and commissions payments oebnk | ¥2.9 billion | Parent only |
| Net cash provided by (used in) investing activities | ¥-108.4 billion | Parent only |
| Issuance of new shares | ¥58.4 billion | Parent only |
| Interest and dividends on securities oibnk | ¥2.4 billion | Parent only |
| Gain on sales of stocks and other securities oibnk | ¥81.00 million | Parent only |
| Impairment loss | ¥77.00 million | Parent only |
| Impairment loss | ¥77.00 million | Parent only |
| Extraordinary income | ¥0.2 billion | Parent only |
| Extraordinary income | ¥0.2 billion | Parent only |
| Extraordinary loss | ¥0.1 billion | Parent only |
| Extraordinary loss | ¥0.1 billion | Parent only |
| Effect of exchange rate change on cash and cash equivalents | ¥82.00 million | Parent only |
| Net increase (decrease) in cash and cash equivalents | ¥87.7 billion | Parent only |
| Interest on bonds | ¥3.5 billion | Parent only |
| Amortization of bond issuance cost | ¥0.2 billion | Parent only |
| Ordinary income | ¥-292.6 billion | Parent only |
| Ordinary revenue | ¥624.6 billion | Parent only |
| Ordinary revenue | ¥624.6 billion | Parent only |
| Ordinary expenses bnk | ¥917.1 billion | Parent only |
| Net cash provided by (used in) financing activities | ¥52.7 billion | Parent only |
| Provision of allowance for doubtful accounts | ¥294.9 billion | Parent only |
| Written off of loans oebnk | ¥23.6 billion | Parent only |
| Interest on loans and discounts oibnk | ¥249.4 billion | Parent only |
| Financing expenses | ¥47.8 billion | Parent only |
| Interest income | ¥279.6 billion | Parent only |
| Income from derivatives other than for trading or hedging oibnk | ¥0.5 billion | Parent only |
| Interest on deposits with banks oibnk | ¥27.8 billion | Parent only |
Statement of changes in equity (2 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Total changes during the period | ¥-236.9 billion | Parent only |
| Net changes in items other than shareholders' equity | ¥0.1 billion | Parent only |
Statement of cash flows (27 items)
| Item | Value | Consolidated / Non-consolidated |
|---|---|---|
| Other | ¥-5.5 billion | Parent only |
| Repayments of lease obligations | ¥-2.8 billion | Parent only |
| Net increase decrease in borrowed money ope cfbnk | ¥-1,253.4 billion | Parent only |
| Loss (gain) on disposal of non-current assets | ¥-0.1 billion | Parent only |
| Subtotal | ¥143.3 billion | Parent only |
| Increase decrease in provision for directors bonuses | ¥1.00 million | Parent only |
| Increase decrease in provision for directors retirement benefits | ¥-1.00 million | Parent only |
| Decrease (increase) in straight bonds by redemption (issue) | ¥-10.0 billion | Parent only |
| Proceeds from redemption of securities | ¥6.7 billion | Parent only |
| Purchase of securities inv cfbnk | ¥-101.3 billion | Parent only |
| Loss gain related to securities ope cfbnk | ¥51.00 million | Parent only |
| Purchase of property plant and equipment | ¥-2.2 billion | Parent only |
| Proceeds from sales of property plant and equipment | ¥0.3 billion | Parent only |
| Proceeds from issuance of common stock | ¥58.4 billion | Parent only |
| Depreciation | ¥20.6 billion | Parent only |
| Impairment loss | ¥77.00 million | Parent only |
| Foreign exchange loss (gain) | ¥-82.00 million | Parent only |
| Purchase of intangible assets | ¥-11.8 billion | Parent only |
| Increase decrease in allowance for loan losses ope cfbnk | ¥64.0 billion | Parent only |
| Net decrease increase in loans and bills discounted ope cfbnk | ¥1,464.2 billion | Parent only |
| Repayments of financing | ¥-46.1 billion | Parent only |
| Financing expenses | ¥47.8 billion | Parent only |
| Proceeds from fund management ope cfbnk | ¥275.9 billion | Parent only |
| Interest income | ¥-279.6 billion | Parent only |
| Increase (decrease) in provision for bonuses | ¥0.4 billion | Parent only |
| Accrued pension cost | ¥2.5 billion | Parent only |
| Net decrease increase in deposit ope cfbnk | ¥252.3 billion | Parent only |
Basic indicators
| Item | Value | Consolidated / Non-consolidated | Source |
|---|---|---|---|
| Net cash provided by (used in) operating activities | ¥143.3 billion | Parent only | Disclosed |
| Number of employees | 7,368 | Parent only | Disclosed |
| Net assets | ¥14,931.9 billion | Parent only | Disclosed |
| Ordinary income | ¥-292.6 billion | Parent only | Disclosed |
| Total assets | ¥29,700.6 billion | Parent only | 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 | 50.3% | Parent only | Calculated |