Fiscal Year ending March 2026 (FY2025) Financial Highlights

Overview of the Fiscal Year ending March 2026

For the fiscal year ending March 2026, net income attributable to owners of the parent was 258.7 billion yen, an increase of 21.2% from the previous term. Core operating profit reached 334.2 billion yen (up 15.8%), and gross operating profit was 808.8 billion yen (up 16.9%), primarily driven by a 57.8 billion yen increase in domestic loan interest income. Credit costs increased by 14 billion yen; however, expenses totaled 465.7 billion yen, rising by 21.6 billion yen from the previous year, but with a lowered expense ratio. Investment in IT and human resources was promoted. Investment gains/losses (equity method) resulted in a loss of 44.8 billion yen.

Outlook for FY2027 and Shareholder Return

The targets for FY2027 include net income attributable to owners of the parent of 310.0 billion yen (up 51.3 billion yen YoY) and ROE of 10.0%. Growth is expected from an increase in fund profits and fee income, while continuing expense management to strengthen the growth foundation. Regarding shareholder return, a goal of a total payout ratio of over 50% is set. The forecasted annual dividend for FY2026 is 37 yen (up 8 yen YoY), and a share buyback allocation of 35 billion yen has been established.