First half · fiscal year to 2026-03 · filed 2025-11-14
For the first half of the fiscal year to 2026-03: Revenue ¥124.9 billion (+1.1% YoY), Ordinary income ¥7.2 billion (+0.4% YoY), Net income ¥6.2 billion (+66.8% YoY).
This period
Year on year
Revenue
¥124.9bn
+1.1%
Ordinary profit
¥7.2bn
+0.4%
Net profit to owners
¥6.2bn
+66.8%
From the securities report on EDINET, which states no forecast. History via /v1/companies/8585/earnings-releases.
Financials
Japan GAAP · consolidated · fiscal year to 2026-03-31
Revenue
¥247.6bn
Net income
¥12.9bn
ROE
5.3%
Equity ratio
8.8%
Dividend / share
¥40
Employees
6,411
Revenue · ¥bnNet income · ¥bn
Fiscal year
Revenue
Net income
Total assets
Net assets
ROE
EPS
Operating CF
2026-03-31
¥247.6bn
¥12.9bn
¥2,844.5bn
¥257.2bn
5.3%
¥75.3
¥22.1bn
2025-03-31
¥245.3bn
¥13.9bn
¥2,881.7bn
¥246.6bn
5.8%
¥81.45
¥2.6bn
2024-03-31
¥229.1bn
¥12.6bn
¥3,147.8bn
¥245.7bn
5.4%
¥73.3
−¥43.5bn
2023-03-31
¥227.7bn
¥19.0bn
¥2,413.9bn
¥229.8bn
8.6%
¥110.92
¥32.2bn
2022-03-31
¥229.8bn
¥19.5bn
¥2,472.2bn
¥216.8bn
8.8%
¥105.54
¥81.8bn
Indicators
Computed by us from filings · fiscal year to 2026-03-31
Metric
Value
Percentile among listed companies
ROE, %
5.3
26.9
Ordinary margin
0.0583
43.5
Equity ratio, %
8.8
3.7
Revenue growth
0.0096
29.4
Net income growth
-0.0756
29.7
Operating cash flow / assets
0.0078
18.7
Policy-uncertainty measure4.08Share of the report's text discussing policy-related uncertainty, by policy area. Proprietary text method.
Ownership activity0 filer(s) stated they may make proposals in 365 days; 1 new 5% holder(s) in 180 days; net stake change 0.00pt in 90 days; 1.1% held by other listed companies.
Results wording balance: +1.00. Proprietary text method; it describes the wording only and does not interpret context.
Via /v1/companies/8585/indicators. Descriptive figures, not a rating and not investment advice.
From other filings
As the company states them
Bond ratings stated in filings: JCR A+ (2026-08-07, 第43回無担保社債); R&I A+ (2026-08-07, 第43回無担保社債). One bond's rating on that date, as the company stated it; it may have changed. The agencies' opinions, not ours. /v1/companies/8585/credit-ratings
Internal control, 2026-06-17: see filing 上記の評価の結果、当事業年度末日時点において、当社の財務報告に係る内部統制は有効であると判断しております。Filing
Segments, votes and tender offers
Stated in EDINET filings
Segments: Settlement and Guarantee, Overseas, Credit Cards and Direct Cash Loans, Installment Credit, Bank Loan Guarantee, Other. /v1/companies/8585/segments
Net shares and the average are our calculations. Prices are filed prices as stated by the filer, mostly for off-market trades; they are not market prices. Stock lending, custody transfers and option exercises are excluded from net shares. Every row via /v1/companies/8585/trades.
Purposes, all holdings and mutual flags via /v1/companies/8585/cross-holdings. Share changes include stock splits.
Major shareholders
As of fiscal year end 2026-03-31
Shareholder
Shares
Ratio
株式会社みずほ銀行
83,640,000
48.66%
individual holder
16,750,000
9.74%
日本マスタートラスト信託銀行株式会社(信託口)
8,861,000
5.15%
株式会社日本カストディ銀行(信託口)
5,073,000
2.95%
individual holder
3,500,000
2.03%
individual holder
2,700,000
1.57%
中央日本土地建物株式会社
1,917,000
1.11%
individual holder
1,889,000
1.09%
JPモルガン証券株式会社
1,850,000
1.07%
individual holder
1,706,000
0.99%
U.S. funds holding 8585
SEC Form N-PORT, reports to 2026-07-31
35 U.S. funds held 6,913,012 shares worth $38.3m.
Fund
Shares
Value
% of fund
As of
Avantis International Small Cap Value ETF
American Century ETF Trust
1,685,840
$9.4m
0.047%
2026-05-31
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND
VANGUARD STAR FUNDS
983,012
$5.6m
0.001%
2026-07-31
VANGUARD DEVELOPED MARKETS INDEX FUND
VANGUARD TAX-MANAGED FUNDS
777,369
$4.1m
0.001%
2026-06-30
iShares Core MSCI EAFE ETF
iShares Trust
599,210
$3.4m
0.002%
2026-07-31
College Retirement Equities Fund - Total Global Stock Account
College Retirement Equities Fund
630,350
$3.3m
0.002%
2026-06-30
Up to 25 funds per stock via the API.
Get this as JSON
GET /v1/companies/8585
GET /v1/companies/8585/financials
GET /v1/companies/8585/details
GET /v1/companies/8585/segments
GET /v1/companies/8585/voting
GET /v1/companies/8585/tender-offers
GET /v1/companies/8585/indicators
GET /v1/companies/8585/earnings-releases
GET /v1/events?ticker=8585
GET /v1/companies/8585/trades
GET /v1/companies/8585/cross-holdings
GET /v1/companies/8585/brief