Financials

Yokohama Financial Group: FYE Mar 2026 and ten years of results (43 metrics)

FYE Mar 2026 · Revenue¥491bnYoY +23.0%

FYE Mar 2026 · Operating profit¥155bnYoY +26.3%

FYE Mar 2026 · Net profit¥107bnYoY +28.6%

FYE Mar 2026 · Equity ratio5.5%YoY +0.3pp

FYE Mar 2026 · Group employees6,313YoY +372

Fiscal year	Revenue	YoY	Operating profit	YoY	Margin	Net profit	Chief executive	That year
FYE Mar 2017Consolidated	¥329bn	n/a	¥97bn	n/a	29.5%	¥127bn	Terazawa Tatsumaro	Concordia Financial Group formed; <span class="en-history_money" data-yen="17400000000000" data-year="2016">$159.9B (¥17.4tn)</span> in combined assets
FYE Mar 2018Consolidated	¥328bn	−0.6%	¥98bn	+0.9%	29.9%	¥66bn	Terazawa Tatsumaro	—
FYE Mar 2019Consolidated	¥306bn	−6.4%	¥80bn	−18.0%	26.2%	¥54bn	Terazawa Tatsumaro	—
FYE Mar 2020Consolidated	¥306bn	−0.1%	¥71bn	−11.2%	23.3%	¥47bn	Kawamura Kenichi	—
FYE Mar 2021Consolidated	¥292bn	−4.7%	¥41bn	−42.0%	14.2%	¥25bn	Kawamura Kenichi	—
FYE Mar 2022Consolidated	¥287bn	−1.6%	¥82bn	+98.7%	28.7%	¥54bn	Oya Yasuyoshi	—
FYE Mar 2023Consolidated	¥313bn	+9.1%	¥80bn	−2.9%	25.5%	¥56bn	Oya Yasuyoshi	—
FYE Mar 2024Consolidated	¥358bn	+14.5%	¥77bn	−3.6%	21.5%	¥67bn	Kataoka Tatsuya	Kanagawa Bank taken over — a three-bank group
FYE Mar 2025Consolidated	¥399bn	+11.4%	¥123bn	+59.4%	30.8%	¥83bn	Kataoka Tatsuya	—
FYE Mar 2026Consolidated	¥491bn	+23.0%	¥155bn	+26.3%	31.6%	¥107bn	Kataoka Tatsuya	Renamed Yokohama Financial Group

How it compares

Fukuoka Financial Group¥621bnFY2025Operating margin 19.4%

Yokohama Financial Group¥491bnFY2025Operating margin 31.6%

Chiba Bank¥445bnFY2025Operating margin 31.2%Mebuki Financial Group¥443bnFY2025Operating margin 26.1%Shizuoka Financial Group¥439bnFY2025Operating margin 29.7%

Kyoto Financial Group¥367bnFY2025Operating margin 37.4%

Hachijuni Nagano Bank¥305bnFY2025Operating margin 26.7%

Hokuhoku Financial Group, Inc.¥277bnFY2025Operating margin 29.1%

Iyogin Holdings¥266bnFY2025Operating margin 37.3%

Gunma Bank¥265bnFY2025Operating margin 32.0%

Income statement Revenue, costs, each level of profit and the margins they leave

Where the revenue goes

¥ bn

Cost of sales Operating profit

Margins

Operating margin Ordinary margin Net margin

Revenue net sales, operating revenue

FYE Mar 2026 ¥491bn

CAGR · 10 yrs +4.5%

Fiscal year	Revenue ¥ bn	YoY	Basis
FYE Mar 2017	329	n/a	Cons. · Japanese GAAP
FYE Mar 2018	328	−0.6%	Cons. · Japanese GAAP
FYE Mar 2019	306	−6.4%	Cons. · Japanese GAAP
FYE Mar 2020	306	−0.1%	Cons. · Japanese GAAP
FYE Mar 2021	292	−4.7%	Cons. · Japanese GAAP
FYE Mar 2022	287	−1.6%	Cons. · Japanese GAAP
FYE Mar 2023	313	+9.1%	Cons. · Japanese GAAP
FYE Mar 2024	358	+14.5%	Cons. · Japanese GAAP
FYE Mar 2025	399	+11.4%	Cons. · Japanese GAAP
FYE Mar 2026	491	+23.0%	Cons. · Japanese GAAP

Definition: Everything the company took in from its own business
Formula: Revenue line of the income statement
Source: Securities report (XBRL)

Cost of sales

FYE Mar 2026 ¥336bn

CAGR · 10 yrs +4.2%

Fiscal year	Cost of sales ¥ bn	YoY	Basis
FYE Mar 2017	232	n/a	Cons. · Japanese GAAP
FYE Mar 2018	230	−1.2%	Cons. · Japanese GAAP
FYE Mar 2019	226	−1.5%	Cons. · Japanese GAAP
FYE Mar 2020	235	+3.9%	Cons. · Japanese GAAP
FYE Mar 2021	250	+6.6%	Cons. · Japanese GAAP
FYE Mar 2022	205	−18.2%	Cons. · Japanese GAAP
FYE Mar 2023	233	+13.9%	Cons. · Japanese GAAP
FYE Mar 2024	281	+20.7%	Cons. · Japanese GAAP
FYE Mar 2025	276	−1.8%	Cons. · Japanese GAAP
FYE Mar 2026	336	+21.5%	Cons. · Japanese GAAP

Definition: The cost of what was sold
Formula: Cost of sales line of the income statement
Source: Securities report (XBRL)

Operating profit

FYE Mar 2026 ¥155bn

CAGR · 10 yrs +5.3%

Fiscal year	Operating profit ¥ bn	YoY	Basis
FYE Mar 2017	97.2	n/a	Cons. · Japanese GAAP
FYE Mar 2018	98.0	+0.9%	Cons. · Japanese GAAP
FYE Mar 2019	80.4	−18.0%	Cons. · Japanese GAAP
FYE Mar 2020	71.4	−11.2%	Cons. · Japanese GAAP
FYE Mar 2021	41.4	−42.0%	Cons. · Japanese GAAP
FYE Mar 2022	82.3	+98.7%	Cons. · Japanese GAAP
FYE Mar 2023	79.9	−2.9%	Cons. · Japanese GAAP
FYE Mar 2024	77.0	−3.6%	Cons. · Japanese GAAP
FYE Mar 2025	123	+59.4%	Cons. · Japanese GAAP
FYE Mar 2026	155	+26.3%	Cons. · Japanese GAAP

Definition: What the core business earns
Formula: Gross profit − SG&A
Source: Securities report (XBRL)

Ordinary profit keijo rieki

FYE Mar 2026 ¥155bn

CAGR · 10 yrs +5.3%

Fiscal year	Ordinary profit ¥ bn	YoY	Basis
FYE Mar 2017	97.2	n/a	Cons. · Japanese GAAP
FYE Mar 2018	98.0	+0.9%	Cons. · Japanese GAAP
FYE Mar 2019	80.4	−18.0%	Cons. · Japanese GAAP
FYE Mar 2020	71.4	−11.2%	Cons. · Japanese GAAP
FYE Mar 2021	41.4	−42.0%	Cons. · Japanese GAAP
FYE Mar 2022	82.3	+98.7%	Cons. · Japanese GAAP
FYE Mar 2023	79.9	−2.9%	Cons. · Japanese GAAP
FYE Mar 2024	77.0	−3.6%	Cons. · Japanese GAAP
FYE Mar 2025	123	+59.4%	Cons. · Japanese GAAP
FYE Mar 2026	155	+26.3%	Cons. · Japanese GAAP

Definition: A level of profit that exists only under Japanese GAAP
Formula: Operating profit + non-operating income − non-operating expenses
Source: Securities report (XBRL)

Extraordinary income

FYE Mar 2026 ¥0.0bn

Average · 10 yrs ¥8.1bn

Fiscal year	Extraordinary income ¥ bn	YoY	Basis
FYE Mar 2017	60.7	n/a	Cons. · Japanese GAAP
FYE Mar 2018	0.1	−99.8%	Cons. · Japanese GAAP
FYE Mar 2019	0.3	+109.2%	Cons. · Japanese GAAP
FYE Mar 2020	0.1	−65.4%	Cons. · Japanese GAAP
FYE Mar 2021	0.1	+2.0%	Cons. · Japanese GAAP
FYE Mar 2022	0.5	+425.0%	Cons. · Japanese GAAP
FYE Mar 2023	2.9	+433.0%	Cons. · Japanese GAAP
FYE Mar 2024	16.2	+456.7%	Cons. · Japanese GAAP
FYE Mar 2025	0.1	−99.5%	Cons. · Japanese GAAP
FYE Mar 2026	0.0	−100.0%	Cons. · Japanese GAAP

Definition: One-off gains, such as an asset sale
Formula: Extraordinary income line of the income statement
Source: Securities report (XBRL)

Net profit profit attributable to owners of the parent

FYE Mar 2026 ¥107bn

CAGR · 10 yrs −1.9%

Fiscal year	Net profit ¥ bn	YoY	Basis
FYE Mar 2017	127	n/a	Cons. · Japanese GAAP
FYE Mar 2018	66.4	−47.6%	Cons. · Japanese GAAP
FYE Mar 2019	54.3	−18.3%	Cons. · Japanese GAAP
FYE Mar 2020	46.5	−14.3%	Cons. · Japanese GAAP
FYE Mar 2021	25.3	−45.6%	Cons. · Japanese GAAP
FYE Mar 2022	53.9	+112.7%	Cons. · Japanese GAAP
FYE Mar 2023	56.2	+4.2%	Cons. · Japanese GAAP
FYE Mar 2024	66.9	+19.2%	Cons. · Japanese GAAP
FYE Mar 2025	82.8	+23.7%	Cons. · Japanese GAAP
FYE Mar 2026	107	+28.6%	Cons. · Japanese GAAP

Definition: What is left after tax
Formula: Pre-tax profit − income taxes
Source: Securities report (XBRL)

Operating margin

FYE Mar 2026 31.6%

Average · 10 yrs 26.1%

Fiscal year	Operating margin %	YoY	Basis
FYE Mar 2017	29.5	n/a	Cons. · Japanese GAAP
FYE Mar 2018	29.9	+0.4pp	Cons. · Japanese GAAP
FYE Mar 2019	26.2	−3.7pp	Cons. · Japanese GAAP
FYE Mar 2020	23.3	−2.9pp	Cons. · Japanese GAAP
FYE Mar 2021	14.2	−9.1pp	Cons. · Japanese GAAP
FYE Mar 2022	28.7	+14.5pp	Cons. · Japanese GAAP
FYE Mar 2023	25.5	−3.1pp	Cons. · Japanese GAAP
FYE Mar 2024	21.5	−4.0pp	Cons. · Japanese GAAP
FYE Mar 2025	30.8	+9.3pp	Cons. · Japanese GAAP
FYE Mar 2026	31.6	+0.8pp	Cons. · Japanese GAAP

Definition: The share of revenue the core business keeps
Formula: Operating profit ÷ revenue
Source: Securities report (XBRL)

Ordinary margin

FYE Mar 2026 31.6%

Average · 10 yrs 26.1%

Fiscal year	Ordinary margin %	YoY	Basis
FYE Mar 2017	29.5	n/a	Cons. · Japanese GAAP
FYE Mar 2018	29.9	+0.4pp	Cons. · Japanese GAAP
FYE Mar 2019	26.2	−3.7pp	Cons. · Japanese GAAP
FYE Mar 2020	23.3	−2.9pp	Cons. · Japanese GAAP
FYE Mar 2021	14.2	−9.1pp	Cons. · Japanese GAAP
FYE Mar 2022	28.7	+14.5pp	Cons. · Japanese GAAP
FYE Mar 2023	25.5	−3.1pp	Cons. · Japanese GAAP
FYE Mar 2024	21.5	−4.0pp	Cons. · Japanese GAAP
FYE Mar 2025	30.8	+9.3pp	Cons. · Japanese GAAP
FYE Mar 2026	31.6	+0.8pp	Cons. · Japanese GAAP

Definition: The share of revenue left at the ordinary-profit line
Formula: Ordinary profit ÷ revenue
Source: Securities report (XBRL)

Net margin

FYE Mar 2026 21.7%

Average · 10 yrs 19.8%

Fiscal year	Net margin %	YoY	Basis
FYE Mar 2017	38.4	n/a	Cons. · Japanese GAAP
FYE Mar 2018	20.3	−18.2pp	Cons. · Japanese GAAP
FYE Mar 2019	17.7	−2.6pp	Cons. · Japanese GAAP
FYE Mar 2020	15.2	−2.5pp	Cons. · Japanese GAAP
FYE Mar 2021	8.7	−6.5pp	Cons. · Japanese GAAP
FYE Mar 2022	18.8	+10.1pp	Cons. · Japanese GAAP
FYE Mar 2023	17.9	−0.8pp	Cons. · Japanese GAAP
FYE Mar 2024	18.7	+0.7pp	Cons. · Japanese GAAP
FYE Mar 2025	20.7	+2.1pp	Cons. · Japanese GAAP
FYE Mar 2026	21.7	+1.0pp	Cons. · Japanese GAAP

Definition: The share of revenue left after everything
Formula: Net profit ÷ revenue
Source: Securities report (XBRL)

Cost-of-sales ratio

FYE Mar 2026 68.4%

Average · 10 yrs 73.9%

Fiscal year	Cost-of-sales ratio %	YoY	Basis
FYE Mar 2017	70.5	n/a	Cons. · Japanese GAAP
FYE Mar 2018	70.1	−0.4pp	Cons. · Japanese GAAP
FYE Mar 2019	73.8	+3.7pp	Cons. · Japanese GAAP
FYE Mar 2020	76.7	+2.9pp	Cons. · Japanese GAAP
FYE Mar 2021	85.8	+9.1pp	Cons. · Japanese GAAP
FYE Mar 2022	71.3	−14.5pp	Cons. · Japanese GAAP
FYE Mar 2023	74.5	+3.1pp	Cons. · Japanese GAAP
FYE Mar 2024	78.5	+4.0pp	Cons. · Japanese GAAP
FYE Mar 2025	69.2	−9.3pp	Cons. · Japanese GAAP
FYE Mar 2026	68.4	−0.8pp	Cons. · Japanese GAAP

Definition: The share of revenue taken by the cost of sales
Formula: Cost of sales ÷ revenue
Source: Securities report (XBRL)

Balance sheet Assets, debt and equity, and what they say about financial strength

What the balance sheet is made of

¥ bn

Equity Liabilities and non-controlling interests

Financial strength

Equity ratio Debt-to-equity

Total assets

FYE Mar 2026 ¥25.7tn

CAGR · 10 yrs +3.6%

Fiscal year	Total assets ¥ bn	YoY	Basis
FYE Mar 2017	18,740	n/a	Cons. · Japanese GAAP
FYE Mar 2018	18,661	−0.4%	Cons. · Japanese GAAP
FYE Mar 2019	18,947	+1.5%	Cons. · Japanese GAAP
FYE Mar 2020	18,928	−0.1%	Cons. · Japanese GAAP
FYE Mar 2021	21,577	+14.0%	Cons. · Japanese GAAP
FYE Mar 2022	24,061	+11.5%	Cons. · Japanese GAAP
FYE Mar 2023	25,730	+6.9%	Cons. · Japanese GAAP
FYE Mar 2024	24,382	−5.2%	Cons. · Japanese GAAP
FYE Mar 2025	24,793	+1.7%	Cons. · Japanese GAAP
FYE Mar 2026	25,670	+3.5%	Cons. · Japanese GAAP

Definition: Everything the company holds
Formula: Total assets line of the balance sheet
Source: Securities report (XBRL)

Equity net assets, shareholders' equity

FYE Mar 2026 ¥1.40tn

CAGR · 10 yrs +2.7%

Fiscal year	Equity ¥ bn	YoY	Basis
FYE Mar 2017	1,109	n/a	Cons. · Japanese GAAP
FYE Mar 2018	1,149	+3.6%	Cons. · Japanese GAAP
FYE Mar 2019	1,155	+0.5%	Cons. · Japanese GAAP
FYE Mar 2020	1,099	−4.9%	Cons. · Japanese GAAP
FYE Mar 2021	1,153	+5.0%	Cons. · Japanese GAAP
FYE Mar 2022	1,159	+0.5%	Cons. · Japanese GAAP
FYE Mar 2023	1,155	−0.3%	Cons. · Japanese GAAP
FYE Mar 2024	1,279	+10.7%	Cons. · Japanese GAAP
FYE Mar 2025	1,288	+0.7%	Cons. · Japanese GAAP
FYE Mar 2026	1,404	+9.0%	Cons. · Japanese GAAP

Definition: The part of the funding that never has to be repaid
Formula: Net assets line of the balance sheet
Source: Securities report (XBRL)

Interest-bearing debt

FYE Mar 2026 ¥35bn

CAGR · 10 yrs +6.4%

Fiscal year	Interest-bearing debt ¥ bn	YoY	Basis
FYE Mar 2017	20.0	n/a	Cons. · Japanese GAAP
FYE Mar 2018	40.0	+100.0%	Cons. · Japanese GAAP
FYE Mar 2019	60.0	+50.0%	Cons. · Japanese GAAP
FYE Mar 2020	80.0	+33.3%	Cons. · Japanese GAAP
FYE Mar 2021	100	+25.0%	Cons. · Japanese GAAP
FYE Mar 2022	80.0	−20.0%	Cons. · Japanese GAAP
FYE Mar 2023	60.0	−25.0%	Cons. · Japanese GAAP
FYE Mar 2024	40.0	−33.3%	Cons. · Japanese GAAP
FYE Mar 2025	20.0	−50.0%	Cons. · Japanese GAAP
FYE Mar 2026	35.0	+75.0%	Cons. · Japanese GAAP

Definition: Borrowings the company pays interest on
Formula: Loans + bonds + lease obligations
Source: Securities report (XBRL)

Long-term borrowings

FYE Mar 2026 ¥35bn

CAGR · 10 yrs +6.4%

Fiscal year	Long-term borrowings ¥ bn	YoY	Basis
FYE Mar 2017	20.0	n/a	Cons. · Japanese GAAP
FYE Mar 2018	40.0	+100.0%	Cons. · Japanese GAAP
FYE Mar 2019	60.0	+50.0%	Cons. · Japanese GAAP
FYE Mar 2020	80.0	+33.3%	Cons. · Japanese GAAP
FYE Mar 2021	100	+25.0%	Cons. · Japanese GAAP
FYE Mar 2022	80.0	−20.0%	Cons. · Japanese GAAP
FYE Mar 2023	60.0	−25.0%	Cons. · Japanese GAAP
FYE Mar 2024	40.0	−33.3%	Cons. · Japanese GAAP
FYE Mar 2025	20.0	−50.0%	Cons. · Japanese GAAP
FYE Mar 2026	35.0	+75.0%	Cons. · Japanese GAAP

Definition: Borrowings repayable in more than a year
Formula: Long-term borrowings line of the balance sheet
Source: Securities report (XBRL)

Intangible assets

FYE Mar 2026 ¥30bn

CAGR · 10 yrs +10.3%

Fiscal year	Intangible assets ¥ bn	YoY	Basis
FYE Mar 2017	12.5	n/a	Cons. · Japanese GAAP
FYE Mar 2018	13.1	+5.6%	Cons. · Japanese GAAP
FYE Mar 2019	16.7	+27.2%	Cons. · Japanese GAAP
FYE Mar 2020	18.4	+10.3%	Cons. · Japanese GAAP
FYE Mar 2021	17.7	−4.0%	Cons. · Japanese GAAP
FYE Mar 2022	16.6	−6.0%	Cons. · Japanese GAAP
FYE Mar 2023	17.5	+4.8%	Cons. · Japanese GAAP
FYE Mar 2024	18.9	+8.6%	Cons. · Japanese GAAP
FYE Mar 2025	18.2	−4.2%	Cons. · Japanese GAAP
FYE Mar 2026	30.2	+66.4%	Cons. · Japanese GAAP

Definition: Assets with no physical form
Formula: Intangible assets line of the balance sheet
Source: Securities report (XBRL)

Goodwill

FYE Mar 2026 ¥6.7bn

CAGR · 4 yrs +231.5%

Fiscal year	Goodwill ¥ bn	YoY	Basis
FYE Mar 2017	0.2	n/a	Cons. · Japanese GAAP
FYE Mar 2018	0.1	−70.5%	Cons. · Japanese GAAP
FYE Mar 2019	0.0	−74.1%	Cons. · Japanese GAAP
FYE Mar 2020	n/a	n/a	Cons. · Japanese GAAP
FYE Mar 2021	n/a	n/a	Cons. · Japanese GAAP
FYE Mar 2022	n/a	n/a	Cons. · Japanese GAAP
FYE Mar 2023	n/a	n/a	Cons. · Japanese GAAP
FYE Mar 2024	n/a	n/a	Cons. · Japanese GAAP
FYE Mar 2025	n/a	n/a	Cons. · Japanese GAAP
FYE Mar 2026	6.7	n/a	Cons. · Japanese GAAP

Definition: What an acquisition cost above the net assets it brought
Formula: Goodwill line of the balance sheet
Source: Securities report (XBRL)

Equity ratio

FYE Mar 2026 5.5%

Average · 10 yrs 5.5%

Fiscal year	Equity ratio %	YoY	Basis
FYE Mar 2017	5.9	n/a	Cons. · Japanese GAAP
FYE Mar 2018	6.2	+0.2pp	Cons. · Japanese GAAP
FYE Mar 2019	6.1	−0.1pp	Cons. · Japanese GAAP
FYE Mar 2020	5.8	−0.3pp	Cons. · Japanese GAAP
FYE Mar 2021	5.3	−0.5pp	Cons. · Japanese GAAP
FYE Mar 2022	4.8	−0.5pp	Cons. · Japanese GAAP
FYE Mar 2023	4.5	−0.3pp	Cons. · Japanese GAAP
FYE Mar 2024	5.2	+0.8pp	Cons. · Japanese GAAP
FYE Mar 2025	5.2	−0.1pp	Cons. · Japanese GAAP
FYE Mar 2026	5.5	+0.3pp	Cons. · Japanese GAAP

Definition: How much of the balance sheet is funded without debt
Formula: Equity ÷ total assets
Source: Securities report (XBRL)

Debt-to-equity ratio D/E ratio

FYE Mar 2026 2.5%

Average · 10 yrs 4.6%

Fiscal year	Debt-to-equity ratio %	YoY	Basis
FYE Mar 2017	1.8	n/a	Cons. · Japanese GAAP
FYE Mar 2018	3.5	+1.7pp	Cons. · Japanese GAAP
FYE Mar 2019	5.2	+1.7pp	Cons. · Japanese GAAP
FYE Mar 2020	7.3	+2.1pp	Cons. · Japanese GAAP
FYE Mar 2021	8.7	+1.4pp	Cons. · Japanese GAAP
FYE Mar 2022	6.9	−1.8pp	Cons. · Japanese GAAP
FYE Mar 2023	5.2	−1.7pp	Cons. · Japanese GAAP
FYE Mar 2024	3.1	−2.1pp	Cons. · Japanese GAAP
FYE Mar 2025	1.6	−1.6pp	Cons. · Japanese GAAP
FYE Mar 2026	2.5	+0.9pp	Cons. · Japanese GAAP

Definition: Borrowings measured against the company's own capital
Formula: Interest-bearing debt ÷ equity
Source: Securities report (XBRL)

ROE return on equity

FYE Mar 2026 7.6%

Average · 10 yrs 5.7%

Fiscal year	ROE %	YoY	Basis
FYE Mar 2017	11.4	n/a	Cons. · Japanese GAAP
FYE Mar 2018	5.8	−5.6pp	Cons. · Japanese GAAP
FYE Mar 2019	4.7	−1.1pp	Cons. · Japanese GAAP
FYE Mar 2020	4.2	−0.5pp	Cons. · Japanese GAAP
FYE Mar 2021	2.2	−2.0pp	Cons. · Japanese GAAP
FYE Mar 2022	4.7	+2.5pp	Cons. · Japanese GAAP
FYE Mar 2023	4.9	+0.2pp	Cons. · Japanese GAAP
FYE Mar 2024	5.2	+0.4pp	Cons. · Japanese GAAP
FYE Mar 2025	6.4	+1.2pp	Cons. · Japanese GAAP
FYE Mar 2026	7.6	+1.2pp	Cons. · Japanese GAAP

Definition: What the shareholders' capital earns
Formula: Net profit ÷ equity
Source: Securities report (XBRL)

ROA return on assets

FYE Mar 2026 0.4%

Average · 10 yrs 0.3%

Fiscal year	ROA %	YoY	Basis
FYE Mar 2017	0.7	n/a	Cons. · Japanese GAAP
FYE Mar 2018	0.4	−0.3pp	Cons. · Japanese GAAP
FYE Mar 2019	0.3	−0.1pp	Cons. · Japanese GAAP
FYE Mar 2020	0.2	−0.0pp	Cons. · Japanese GAAP
FYE Mar 2021	0.1	−0.1pp	Cons. · Japanese GAAP
FYE Mar 2022	0.2	+0.1pp	Cons. · Japanese GAAP
FYE Mar 2023	0.2	−0.0pp	Cons. · Japanese GAAP
FYE Mar 2024	0.3	+0.1pp	Cons. · Japanese GAAP
FYE Mar 2025	0.3	+0.1pp	Cons. · Japanese GAAP
FYE Mar 2026	0.4	+0.1pp	Cons. · Japanese GAAP

Definition: What the whole balance sheet earns
Formula: Net profit ÷ total assets
Source: Securities report (XBRL)

Asset turnover

FYE Mar 2026 0.02×

CAGR · 10 yrs +0.9%

Fiscal year	Asset turnover ×	YoY	Basis
FYE Mar 2017	0.02	n/a	Cons. · Japanese GAAP
FYE Mar 2018	0.02	−0.1%	Cons. · Japanese GAAP
FYE Mar 2019	0.02	−7.9%	Cons. · Japanese GAAP
FYE Mar 2020	0.02	−0.0%	Cons. · Japanese GAAP
FYE Mar 2021	0.01	−16.4%	Cons. · Japanese GAAP
FYE Mar 2022	0.01	−11.8%	Cons. · Japanese GAAP
FYE Mar 2023	0.01	+2.0%	Cons. · Japanese GAAP
FYE Mar 2024	0.01	+20.8%	Cons. · Japanese GAAP
FYE Mar 2025	0.02	+9.5%	Cons. · Japanese GAAP
FYE Mar 2026	0.02	+18.8%	Cons. · Japanese GAAP

Definition: How much revenue each yen of assets produces
Formula: Revenue ÷ total assets
Source: Securities report (XBRL)

Cash flow statement Cash from operations, investment and financing, and what is left on hand

The three cash flows

¥ bn

Operating CF Investing CF Financing CF

Cash against debt

¥ bn

Cash and equivalents Interest-bearing debt Net cash

Operating cash flow

FYE Mar 2026 -¥122bn

Average · 10 yrs ¥264bn

Fiscal year	Operating cash flow ¥ bn	YoY	Basis
FYE Mar 2017	1,006	n/a	Cons. · Japanese GAAP
FYE Mar 2018	-607	−160.3%	Cons. · Japanese GAAP
FYE Mar 2019	248	n/a	Cons. · Japanese GAAP
FYE Mar 2020	-295	−218.9%	Cons. · Japanese GAAP
FYE Mar 2021	2,039	n/a	Cons. · Japanese GAAP
FYE Mar 2022	1,247	−38.8%	Cons. · Japanese GAAP
FYE Mar 2023	966	−22.6%	Cons. · Japanese GAAP
FYE Mar 2024	-2,217	−329.7%	Cons. · Japanese GAAP
FYE Mar 2025	376	n/a	Cons. · Japanese GAAP
FYE Mar 2026	-122	−132.3%	Cons. · Japanese GAAP

Definition: Cash the business itself generated
Formula: Cash flow from operating activities
Source: Securities report (XBRL)

Investing cash flow

FYE Mar 2026 -¥117bn

Average · 10 yrs -¥33bn

Fiscal year	Investing cash flow ¥ bn	YoY	Basis
FYE Mar 2017	79.5	n/a	Cons. · Japanese GAAP
FYE Mar 2018	282	+254.9%	Cons. · Japanese GAAP
FYE Mar 2019	-148	−152.6%	Cons. · Japanese GAAP
FYE Mar 2020	-73.9	n/a	Cons. · Japanese GAAP
FYE Mar 2021	-481	n/a	Cons. · Japanese GAAP
FYE Mar 2022	219	n/a	Cons. · Japanese GAAP
FYE Mar 2023	-148	−167.7%	Cons. · Japanese GAAP
FYE Mar 2024	37.5	n/a	Cons. · Japanese GAAP
FYE Mar 2025	21.6	−42.4%	Cons. · Japanese GAAP
FYE Mar 2026	-117	−640.6%	Cons. · Japanese GAAP

Definition: Cash spent on, or released by, investment
Formula: Cash flow from investing activities
Source: Securities report (XBRL)

Financing cash flow

FYE Mar 2026 -¥65bn

Average · 10 yrs -¥38bn

Fiscal year	Financing cash flow ¥ bn	YoY	Basis
FYE Mar 2017	-64.1	n/a	Cons. · Japanese GAAP
FYE Mar 2018	-12.1	n/a	Cons. · Japanese GAAP
FYE Mar 2019	-9.7	n/a	Cons. · Japanese GAAP
FYE Mar 2020	-12.1	n/a	Cons. · Japanese GAAP
FYE Mar 2021	0.5	n/a	Cons. · Japanese GAAP
FYE Mar 2022	-43.9	−8795.4%	Cons. · Japanese GAAP
FYE Mar 2023	-56.9	n/a	Cons. · Japanese GAAP
FYE Mar 2024	-51.0	n/a	Cons. · Japanese GAAP
FYE Mar 2025	-70.6	n/a	Cons. · Japanese GAAP
FYE Mar 2026	-64.5	n/a	Cons. · Japanese GAAP

Definition: Cash raised from, or returned to, lenders and shareholders
Formula: Cash flow from financing activities
Source: Securities report (XBRL)

Cash and equivalents

FYE Mar 2026 ¥4.05tn

CAGR · 10 yrs +2.9%

Fiscal year	Cash and equivalents ¥ bn	YoY	Basis
FYE Mar 2017	3,143	n/a	Cons. · Japanese GAAP
FYE Mar 2018	2,806	−10.7%	Cons. · Japanese GAAP
FYE Mar 2019	2,896	+3.2%	Cons. · Japanese GAAP
FYE Mar 2020	2,515	−13.1%	Cons. · Japanese GAAP
FYE Mar 2021	4,074	+62.0%	Cons. · Japanese GAAP
FYE Mar 2022	5,496	+34.9%	Cons. · Japanese GAAP
FYE Mar 2023	6,257	+13.8%	Cons. · Japanese GAAP
FYE Mar 2024	4,026	−35.7%	Cons. · Japanese GAAP
FYE Mar 2025	4,353	+8.1%	Cons. · Japanese GAAP
FYE Mar 2026	4,050	−7.0%	Cons. · Japanese GAAP

Definition: Cash on hand at the year end
Formula: Closing balance in the cash flow statement
Source: Securities report (XBRL)

Free cash flow

FYE Mar 2026 -¥238bn

Average · 10 yrs ¥231bn

Fiscal year	FCF ¥ bn	YoY	Basis
FYE Mar 2017	1,085	n/a	Cons. · Japanese GAAP
FYE Mar 2018	-325	−129.9%	Cons. · Japanese GAAP
FYE Mar 2019	99.3	n/a	Cons. · Japanese GAAP
FYE Mar 2020	-369	−471.1%	Cons. · Japanese GAAP
FYE Mar 2021	1,559	n/a	Cons. · Japanese GAAP
FYE Mar 2022	1,466	−5.9%	Cons. · Japanese GAAP
FYE Mar 2023	817	−44.2%	Cons. · Japanese GAAP
FYE Mar 2024	-2,180	−366.7%	Cons. · Japanese GAAP
FYE Mar 2025	398	n/a	Cons. · Japanese GAAP
FYE Mar 2026	-238	−159.9%	Cons. · Japanese GAAP

Definition: What is left once the business has paid for its own investment
Formula: Operating cash flow + investing cash flow
Source: Securities report (XBRL)

Operating cash flow margin

FYE Mar 2026 -24.8%

Average · 10 yrs 99.7%

Fiscal year	OCF margin %	YoY	Basis
FYE Mar 2017	305.3	n/a	Cons. · Japanese GAAP
FYE Mar 2018	-185.2	−490.5pp	Cons. · Japanese GAAP
FYE Mar 2019	80.8	+266.0pp	Cons. · Japanese GAAP
FYE Mar 2020	-96.2	−177.0pp	Cons. · Japanese GAAP
FYE Mar 2021	699.0	+795.2pp	Cons. · Japanese GAAP
FYE Mar 2022	434.6	−264.3pp	Cons. · Japanese GAAP
FYE Mar 2023	308.5	−126.1pp	Cons. · Japanese GAAP
FYE Mar 2024	-618.9	−927.4pp	Cons. · Japanese GAAP
FYE Mar 2025	94.3	+713.2pp	Cons. · Japanese GAAP
FYE Mar 2026	-24.8	−119.1pp	Cons. · Japanese GAAP

Definition: How much of the revenue turned into cash
Formula: Operating cash flow ÷ revenue
Source: Securities report (XBRL)

Net cash

FYE Mar 2026 ¥4.02tn

CAGR · 10 yrs +2.8%

Fiscal year	Net cash ¥ bn	YoY	Basis
FYE Mar 2017	3,123	n/a	Cons. · Japanese GAAP
FYE Mar 2018	2,766	−11.4%	Cons. · Japanese GAAP
FYE Mar 2019	2,836	+2.5%	Cons. · Japanese GAAP
FYE Mar 2020	2,435	−14.1%	Cons. · Japanese GAAP
FYE Mar 2021	3,974	+63.2%	Cons. · Japanese GAAP
FYE Mar 2022	5,416	+36.3%	Cons. · Japanese GAAP
FYE Mar 2023	6,197	+14.4%	Cons. · Japanese GAAP
FYE Mar 2024	3,986	−35.7%	Cons. · Japanese GAAP
FYE Mar 2025	4,333	+8.7%	Cons. · Japanese GAAP
FYE Mar 2026	4,015	−7.3%	Cons. · Japanese GAAP

Definition: Cash on hand once the borrowings are paid off
Formula: Cash and equivalents − interest-bearing debt
Source: Securities report (XBRL)

Shares and share price Shares outstanding, price, market capitalisation and the valuation multiples

Market capitalisation

FYE Mar 2026 ¥1.57tn

Change · 10 yrs +¥909bn

Fiscal year	Market capitalisation ¥ bn	Basis
FYE Mar 2017	663	n/a
FYE Mar 2018	742	n/a
FYE Mar 2019	532	n/a
FYE Mar 2020	381	n/a
FYE Mar 2021	543	n/a
FYE Mar 2022	554	n/a
FYE Mar 2023	590	n/a
FYE Mar 2024	906	n/a
FYE Mar 2025	1,122	n/a
FYE Mar 2026	1,572	n/a

Definition: What the market says the company is worth
Formula: Year-end share price × shares outstanding
Source: Securities report (XBRL)

Share price year-end close

FYE Mar 2026 1,374¥

Change · 10 yrs +859¥

Fiscal year	Share price ¥	Basis
FYE Mar 2017	515	n/a
FYE Mar 2018	587	n/a
FYE Mar 2019	427	n/a
FYE Mar 2020	315	n/a
FYE Mar 2021	449	n/a
FYE Mar 2022	458	n/a
FYE Mar 2023	488	n/a
FYE Mar 2024	769	n/a
FYE Mar 2025	981	n/a
FYE Mar 2026	1,374	n/a

Definition: The closing price on the last day of the fiscal year
Formula: Year-end closing price
Source: Securities report (XBRL)

Shares outstanding

FYE Mar 2026 1,144,616,000shares

Change · 10 yrs −143,000,000 shares

Fiscal year	Shares outstanding shares	Basis
FYE Mar 2017	1,287,616,000	Parent
FYE Mar 2018	1,264,616,000	Parent
FYE Mar 2019	1,245,616,000	Parent
FYE Mar 2020	1,209,616,000	Parent
FYE Mar 2021	1,209,616,000	Parent
FYE Mar 2022	1,209,616,000	Parent
FYE Mar 2023	1,209,616,000	Parent
FYE Mar 2024	1,177,616,000	Parent
FYE Mar 2025	1,144,616,000	Parent
FYE Mar 2026	1,144,616,000	Parent

Definition: How many shares exist
Formula: Shares issued, from the key figures of the filing
Source: Securities report (XBRL)

EPS earnings per share

FYE Mar 2026 94.02¥

Change · 10 yrs −4.06¥

Fiscal year	EPS ¥	Basis
FYE Mar 2017	98.08	Cons.
FYE Mar 2018	52.36	Cons.
FYE Mar 2019	43.46	Cons.
FYE Mar 2020	38.38	Cons.
FYE Mar 2021	20.99	Cons.
FYE Mar 2022	44.67	Cons.
FYE Mar 2023	47.39	Cons.
FYE Mar 2024	57.16	Cons.
FYE Mar 2025	71.63	Cons.
FYE Mar 2026	94.02	Cons.

Definition: Net profit for each share
Formula: Net profit ÷ average shares outstanding
Source: Securities report (XBRL)

BPS book value per share

FYE Mar 2026 1,226.49¥

Change · 10 yrs +365.28¥

Fiscal year	BPS ¥	Basis
FYE Mar 2017	861.20	Cons. · Japanese GAAP
FYE Mar 2018	908.44	Cons. · Japanese GAAP
FYE Mar 2019	927.30	Cons. · Japanese GAAP
FYE Mar 2020	908.23	Cons. · Japanese GAAP
FYE Mar 2021	953.36	Cons. · Japanese GAAP
FYE Mar 2022	957.85	Cons. · Japanese GAAP
FYE Mar 2023	955.21	Cons. · Japanese GAAP
FYE Mar 2024	1,085.84	Cons. · Japanese GAAP
FYE Mar 2025	1,125.01	Cons. · Japanese GAAP
FYE Mar 2026	1,226.49	Cons. · Japanese GAAP

Definition: Equity behind each share
Formula: Equity ÷ shares outstanding
Source: Securities report (XBRL)

PER price-to-earnings ratio

FYE Mar 2026 14.61×

Average · 10 yrs 11.82×

Fiscal year	PER ×	Basis
FYE Mar 2017	5.25	Cons.
FYE Mar 2018	11.21	Cons.
FYE Mar 2019	9.82	Cons.
FYE Mar 2020	8.20	Cons.
FYE Mar 2021	21.38	Cons.
FYE Mar 2022	10.25	Cons.
FYE Mar 2023	10.29	Cons.
FYE Mar 2024	13.46	Cons.
FYE Mar 2025	13.69	Cons.
FYE Mar 2026	14.61	Cons.

Definition: How many years of earnings the price stands for
Formula: Year-end price ÷ EPS
Source: Securities report (XBRL)

PBR price-to-book ratio

FYE Mar 2026 1.09×

Average · 10 yrs 0.61×

Fiscal year	PBR ×	Basis
FYE Mar 2017	0.59	Cons.
FYE Mar 2018	0.64	Cons.
FYE Mar 2019	0.46	Cons.
FYE Mar 2020	0.35	Cons.
FYE Mar 2021	0.47	Cons.
FYE Mar 2022	0.47	Cons.
FYE Mar 2023	0.50	Cons.
FYE Mar 2024	0.70	Cons.
FYE Mar 2025	0.87	Cons.
FYE Mar 2026	1.09	Cons.

Definition: The price measured against the book value behind it
Formula: Year-end price ÷ BPS
Source: Securities report (XBRL)

Workforce and productivity Headcount, pay and what each employee accounts for

Group employees

FYE Mar 2026 6,313people

Change · 10 yrs −30 people

Fiscal year	Group employees people	YoY	Basis
FYE Mar 2017	6,343	n/a	Cons.
FYE Mar 2018	6,315	−0.4%	Cons.
FYE Mar 2019	6,228	−1.4%	Cons.
FYE Mar 2020	6,087	−2.3%	Cons.
FYE Mar 2021	5,995	−1.5%	Cons.
FYE Mar 2022	5,825	−2.8%	Cons.
FYE Mar 2023	5,604	−3.8%	Cons.
FYE Mar 2024	5,815	+3.8%	Cons.
FYE Mar 2025	5,941	+2.2%	Cons.
FYE Mar 2026	6,313	+6.3%	Cons.

Definition: Everyone employed across the group
Formula: Consolidated headcount, from the employee section of the filing
Source: Securities report (XBRL)

Parent-company employees

FYE Mar 2026 701people

Change · 10 yrs +664 people

Fiscal year	Parent-company employees people	YoY	Basis
FYE Mar 2017	37	n/a	Parent
FYE Mar 2018	68	+83.8%	Parent
FYE Mar 2019	86	+26.5%	Parent
FYE Mar 2020	4	−95.3%	Parent
FYE Mar 2021	8	+100.0%	Parent
FYE Mar 2022	9	+12.5%	Parent
FYE Mar 2023	6	−33.3%	Parent
FYE Mar 2024	5	−16.7%	Parent
FYE Mar 2025	5	−0.0%	Parent
FYE Mar 2026	701	+13920.0%	Parent

Definition: Employees of the filing company itself
Formula: Parent-only headcount, from the employee section of the filing
Source: Securities report (XBRL)

Average annual pay parent company

FYE Mar 2026 ¥10.0m

Change · 10 yrs −¥2.1m

Fiscal year	Average annual pay ¥ m	YoY	Basis
FYE Mar 2017	12.0	n/a	Parent
FYE Mar 2018	10.8	−10.6%	Parent
FYE Mar 2019	10.8	+0.3%	Parent
FYE Mar 2020	10.4	−3.5%	Parent
FYE Mar 2021	12.7	+22.3%	Parent
FYE Mar 2022	11.1	−12.6%	Parent
FYE Mar 2023	9.8	−12.1%	Parent
FYE Mar 2024	9.6	−1.9%	Parent
FYE Mar 2025	12.1	+26.2%	Parent
FYE Mar 2026	10.0	−18.0%	Parent

Definition: Average total annual compensation, bonuses included
Formula: Average annual pay, from the employee section of the filing
Source: Securities report (XBRL)

Average age

FYE Mar 2026 44.6years

Change · 8 yrs −2.8 years

Fiscal year	Average age years	YoY	Basis
FYE Mar 2017	n/a	n/a	Parent
FYE Mar 2018	n/a	n/a	Parent
FYE Mar 2019	47.4	n/a	Parent
FYE Mar 2020	42.5	−10.3%	Parent
FYE Mar 2021	45.4	+6.8%	Parent
FYE Mar 2022	41.4	−8.8%	Parent
FYE Mar 2023	40.0	−3.4%	Parent
FYE Mar 2024	39.4	−1.5%	Parent
FYE Mar 2025	38.5	−2.3%	Parent
FYE Mar 2026	44.6	+15.8%	Parent

Definition: Average age of the parent company's employees
Formula: Average age, from the employee section of the filing
Source: Securities report (XBRL)

Average length of service

FYE Mar 2026 18.8years

Change · 10 yrs +2.8 years

Fiscal year	Average length of service years	YoY	Basis
FYE Mar 2017	16.0	n/a	Parent
FYE Mar 2018	18.5	+15.6%	Parent
FYE Mar 2019	21.6	+16.8%	Parent
FYE Mar 2020	11.1	−48.6%	Parent
FYE Mar 2021	13.0	+17.1%	Parent
FYE Mar 2022	12.5	−3.8%	Parent
FYE Mar 2023	12.7	+1.6%	Parent
FYE Mar 2024	12.0	−5.5%	Parent
FYE Mar 2025	9.4	−21.7%	Parent
FYE Mar 2026	18.8	+100.0%	Parent

Definition: How long the average employee has been with the company
Formula: Average years of service, from the employee section of the filing
Source: Securities report (XBRL)

Temporary employees

FYE Mar 2026 3,227people

Change · 10 yrs −985 people

Fiscal year	Temporary employees people	YoY	Basis
FYE Mar 2017	4,212	n/a	n/a
FYE Mar 2018	4,261	+1.2%	n/a
FYE Mar 2019	4,214	−1.1%	n/a
FYE Mar 2020	4,065	−3.5%	n/a
FYE Mar 2021	3,885	−4.4%	n/a
FYE Mar 2022	3,708	−4.6%	n/a
FYE Mar 2023	3,325	−10.3%	n/a
FYE Mar 2024	3,282	−1.3%	n/a
FYE Mar 2025	3,272	−0.3%	n/a
FYE Mar 2026	3,227	−1.4%	n/a

Definition: Average number of temporary and part-time staff over the year
Formula: Average temporary headcount, from the employee section of the filing
Source: Securities report (XBRL)

Revenue per employee

FYE Mar 2026 ¥77.7m

Change · 10 yrs +¥25.8m

Fiscal year	Revenue per employee ¥ m	YoY	Basis
FYE Mar 2017	51.9	n/a	Cons.
FYE Mar 2018	51.9	−0.1%	Cons.
FYE Mar 2019	49.2	−5.1%	Cons.
FYE Mar 2020	50.3	+2.2%	Cons.
FYE Mar 2021	48.7	−3.3%	Cons.
FYE Mar 2022	49.3	+1.2%	Cons.
FYE Mar 2023	55.8	+13.4%	Cons.
FYE Mar 2024	61.6	+10.3%	Cons.
FYE Mar 2025	67.2	+9.0%	Cons.
FYE Mar 2026	77.7	+15.7%	Cons.

Definition: What each employee accounts for in revenue
Formula: Revenue ÷ group employees
Source: Securities report (XBRL)

Operating profit per employee

FYE Mar 2026 ¥24.6m

Change · 10 yrs +¥9.2m

Fiscal year	OP per employee ¥ m	YoY	Basis
FYE Mar 2017	15.3	n/a	Cons.
FYE Mar 2018	15.5	+1.3%	Cons.
FYE Mar 2019	12.9	−16.9%	Cons.
FYE Mar 2020	11.7	−9.2%	Cons.
FYE Mar 2021	6.9	−41.1%	Cons.
FYE Mar 2022	14.1	+104.5%	Cons.
FYE Mar 2023	14.3	+0.9%	Cons.
FYE Mar 2024	13.2	−7.1%	Cons.
FYE Mar 2025	20.7	+56.0%	Cons.
FYE Mar 2026	24.6	+18.8%	Cons.

Definition: What each employee accounts for in operating profit
Formula: Operating profit ÷ group employees
Source: Securities report (XBRL)

Disclaimer

Figures are reproduced as filed and are not restated: a change of accounting standard or of consolidation basis moves the series without anything happening to the business. Where that happened, the table says so in place of the year-on-year figure.
Ratios and per-employee figures are computed from the filed lines rather than taken from the filing, and use year-end balances rather than averages.

Accuracy, liability, reuse and privacy — the full disclaimer →

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