Sales 2026 by Business Segment

Sales 2026 by Geography

Historical Breakdown of Revenue by Business Segments

Operating Income: Breakdown by Business Segment

Breakdown by Business Segment (JPY)
Fiscal Period: March 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026

Personal Credit Agencies

          

Installment Credit

84.02B 69.62B 68.56B 78.24B 77.01B

Total Assets

3,437B 3,333B 4,233B 4,091B 4,077B

D&A

- - 101M - -

Operating Income

63.78B 54.01B 49.35B 39.83B 38.77B

Credit Cards and Cash Loans

70.93B 70.49B 71.34B 69.98B 71.61B

Total Assets

586B 589B 596B 594B 605B

Operating Income

59.8B 59.73B 59.35B 58.09B 60.01B

Bank Loan Guarantee

33.12B 32.14B 33.51B 35.02B 37.61B

Total Assets

1,087B 1,117B 1,217B 1,348B 1,510B

Operating Income

19.79B 19.06B 19.86B 19.33B 20.89B

Debt Management Services

          

Settlement And Guarantee

18.31B 19.81B 22B 25.04B 26.01B

Total Assets

123B 137B 138B 150B 152B

D&A

247M 247M 304M - -

Operating Income

9.57B 10.37B 10.23B 11.62B 11.67B

Other

13.89B 12.01B 12.24B 15.62B 16.74B

Total Assets

84.82B 83.3B 79.15B 74.21B 79.93B

Operating Income

3.47B 2.57B 2.46B 4.05B 2.99B

Company-Wide Revenue

14.69B 16.35B 11.47B 13.62B 14.52B

Total Assets

-1,159B -1,182B -2,181B -2,250B -2,347B

Overseas

- 10.91B 14.36B 14.92B 12.5B

Total Assets

- 145B 168B 160B 125B

Operating Income

- 1.05B -6.27B -4.55B -2.19B

Elimination of Inter-Segment Transactions

-5.15B -3.64B -4.42B -7.19B -8.36B

Total Assets

1,342B 1,252B 1,278B 1,103B 1,101B

Total Assets

-1,745B -1,801B -2,378B -2,380B -2,456B

Operating Income

-123B -121B -115B -110B -111B

Operating Income

-3.98B -3.22B -3.74B -6.08B -6.92B

Total Assets

-4.11B -3.54B -2.84B -7.89B -2.67B

Geographical Revenue Distribution History

Geographical breakdown of sales (JPY)
Fiscal Period: March 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026

Japan

230B 228B 229B 245B 248B

Total Assets

3,752B 3,670B 3,148B 2,882B 2,844B

Income Tax Expense

9.82B 4.67B 5.48B 9.63B 1.93B

D&A

25.41B 26.55B 21.9B 20.52B 20.02B

CAPEX

-12.75B -13.14B -13.66B -14.82B -17.17B

Gross Profit

218B 214B 212B 219B 218B

Net Income

19.48B 19.04B 12.57B 13.94B 12.89B

EBT

29.38B 23.88B 18.04B 23.12B 14.17B

Operating Income

28.99B 23.07B 16.12B 12.34B 14.44B