Financial Highlight

Financial Results for the Third Quarter of fiscal year ending March 2021.

Operating revenue
95.8 billion yen (up 2.9% year on year)
Ordinary profit
16.9 billion yen (up 38.7% year on year)
Profit attributable to owners of parent
16.1 billion yen (up 37.6% year on year)

Operating Revenue

95.8 billion yen (up 2.9% year on year)

Increased 2.9% year on year to 95.8 billion yen due to the sluggish growth in operating assets attributable to the outbreak of COVID-19.

Ordinary Profit

16.9billion yen (up 38.7% year on year)

Operating profit ended at 15.6 billion yen, up 35.6% year on year, due in part to a decrease in sales promotion expenses under operating expenses. As a result, ordinary profit amounted to 16.9 billion yen, up 38.7% year on year.

Profit Attributable to Owners of Parent

16.1 billion yen (up 37.6% year on year)

Profit attributable to owners of parent increased 37.6% year on year to 16.1 billion yen.

Total assets
860.5 billion yen (up 13.1% year on year)
Net assets
128.9 billion yen (up 0.7% year on year)

Total Assets

860.5 billion yen (up 13.1% year on year)

Mainly due to continues growth at loan business, total assets increased 13.1% year on year to 860.5 billion yen.

Net Assets

128.9 billion yen (up 0.7% year on year)

Mainly due to posting a profit attributable to owners of parent, net assets increased 0.7% year on year to 128.9 billion yen.

ROA
0.2%(down 0.4pt year on year)
ROE
1.1%(down 6.7pt year on year)

ROA

0.2% (down 0.4pt year on year)

As of March 31, 2020, total assets increased 99.9 billion yen from a year earlier to 860.5 billion yen, which was primarily attributable to an increase in operating assets. Meanwhile, ordinary profit declined by 2.3 billion yen year on year to 1.7 billion yen, mainly due to 16.9 billion yen in interest repayment-related expenses. As a result, return on assets (ROA) was 0.2%.

ROE

1.1% (down 6.7pt year on year)

Profit attributable to owners of parent and net assets were 13 million yen and 1289 million yen, respectively, as of March 31, 2020. As a result, return on equity (ROE) was 1.1%.

Trend of Selected Financial Data

17/3 18/3 19/3 20/3
Operating revenue(Millions of yen) 91,450 115,389 115,328 127,038
Ordinary profit(Millions of yen) 7,399 2,823 4,110 1,716
Profit attributable to owners of parent(Millions of yen) 7,276 3,958 9,346 1,390
Total assets(Millions of yen) 616,651 682,645 760,587 860,507
Net assets(Millions of yen) 111,649 119,407 128,016 128,931
EPS(Yen) 15.05 8.18 19.32 2.88
BPS(Yen) 228.94 236.13 256.45 260.53
Funding rate(%) 2.37 1.87 1.64 1.45
Equity ratio(%) 18.0 16.7 16.3 14.6
ROA(%) 1.2 0.4 0.6 0.2
ROE(%) 6.8 3.5 7.8 1.1