Financials

Seven Bank: FYE Mar 2026 and ten years of results (44 metrics)

FYE Mar 2026 · Revenue¥220bnYoY +2.6%

FYE Mar 2026 · Operating profit¥30bnYoY −0.4%

FYE Mar 2026 · Net profit¥13bnYoY −26.0%

FYE Mar 2026 · Equity ratio18.1%YoY −0.4pp

FYE Mar 2026 · Group employees1,393YoY −5

Fiscal year	Revenue	YoY	Operating profit	YoY	Margin	Net profit	Chief executive	That year
FYE Mar 2017Consolidated	¥122bn	n/a	¥37bn	n/a	30.2%	¥25bn	Futagoishi Kensuke	—
FYE Mar 2018Consolidated	¥128bn	+5.0%	¥38bn	+4.3%	30.0%	¥25bn	Futagoishi Kensuke	—
FYE Mar 2019Consolidated	¥147bn	+15.4%	¥41bn	+6.3%	27.6%	¥13bn	Futagoishi Kensuke	¥14.6bn impairment on the overseas business
FYE Mar 2020Consolidated	¥149bn	+0.9%	¥40bn	−2.2%	26.8%	¥26bn	Funatake Yasuaki	Fourth-generation “ATM+” with NEC — a ¥70bn programme
FYE Mar 2021Consolidated	¥137bn	−7.6%	¥36bn	−10.5%	26.0%	¥26bn	Funatake Yasuaki	ATM transactions peak near 900 million; the pandemic cuts usage
FYE Mar 2022Consolidated	¥137bn	−0.4%	¥28bn	−20.7%	20.7%	¥21bn	Funatake Yasuaki	New purpose and a 2021–2025 plan: a “second founding”
FYE Mar 2023Consolidated	¥155bn	+13.4%	¥29bn	+2.4%	18.7%	¥19bn	Funatake Yasuaki	Moves to the TSE Prime Market; <a class="en-history_person" href="/tse/8410/executives/ceo/matsuhashi-masaaki/" hreflang="ja">Matsuhashi Masaaki</a> becomes president
FYE Mar 2024Consolidated	¥198bn	+27.7%	¥31bn	+5.5%	15.4%	¥32bn	Matsuhashi Masaaki	Consolidates Seven Card Service; launches +Connect
FYE Mar 2025Consolidated	¥214bn	+8.4%	¥30bn	−0.8%	14.1%	¥18bn	Matsuhashi Masaaki	20,000 fourth-generation ATMs installed
FYE Mar 2026Consolidated	¥220bn	+2.6%	¥30bn	−0.4%	13.7%	¥13bn	Matsuhashi Masaaki	Record ordinary income of ¥214.4bn; ~27,000 ATMs, 682 partners

How it compares

Seven Bank¥220bnFY2025Operating margin 13.7%

GMO Payment Gateway¥82bnFY2025Operating margin 38.0%

Jiemuofinansharugeto¥18bnFY2025Operating margin 12.4%

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 ¥220bn

CAGR · 10 yrs +6.8%

Fiscal year	Revenue ¥ bn	YoY	Basis
FYE Mar 2017	122	n/a	Cons. · Japanese GAAP
FYE Mar 2018	128	+5.0%	Cons. · Japanese GAAP
FYE Mar 2019	147	+15.4%	Cons. · Japanese GAAP
FYE Mar 2020	149	+0.9%	Cons. · Japanese GAAP
FYE Mar 2021	137	−7.6%	Cons. · Japanese GAAP
FYE Mar 2022	137	−0.4%	Cons. · Japanese GAAP
FYE Mar 2023	155	+13.4%	Cons. · Japanese GAAP
FYE Mar 2024	198	+27.7%	Cons. · Japanese GAAP
FYE Mar 2025	214	+8.4%	Cons. · Japanese GAAP
FYE Mar 2026	220	+2.6%	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 ¥190bn

CAGR · 10 yrs +9.4%

Fiscal year	Cost of sales ¥ bn	YoY	Basis
FYE Mar 2017	84.9	n/a	Cons. · Japanese GAAP
FYE Mar 2018	89.4	+5.2%	Cons. · Japanese GAAP
FYE Mar 2019	107	+19.3%	Cons. · Japanese GAAP
FYE Mar 2020	109	+2.0%	Cons. · Japanese GAAP
FYE Mar 2021	102	−6.5%	Cons. · Japanese GAAP
FYE Mar 2022	108	+6.7%	Cons. · Japanese GAAP
FYE Mar 2023	126	+16.3%	Cons. · Japanese GAAP
FYE Mar 2024	167	+32.8%	Cons. · Japanese GAAP
FYE Mar 2025	184	+10.0%	Cons. · Japanese GAAP
FYE Mar 2026	190	+3.1%	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 ¥30bn

CAGR · 10 yrs −2.2%

Fiscal year	Operating profit ¥ bn	YoY	Basis
FYE Mar 2017	36.7	n/a	Cons. · Japanese GAAP
FYE Mar 2018	38.3	+4.3%	Cons. · Japanese GAAP
FYE Mar 2019	40.7	+6.3%	Cons. · Japanese GAAP
FYE Mar 2020	39.8	−2.2%	Cons. · Japanese GAAP
FYE Mar 2021	35.6	−10.5%	Cons. · Japanese GAAP
FYE Mar 2022	28.3	−20.7%	Cons. · Japanese GAAP
FYE Mar 2023	28.9	+2.4%	Cons. · Japanese GAAP
FYE Mar 2024	30.5	+5.5%	Cons. · Japanese GAAP
FYE Mar 2025	30.3	−0.8%	Cons. · Japanese GAAP
FYE Mar 2026	30.2	−0.4%	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 ¥30bn

CAGR · 10 yrs −2.2%

Fiscal year	Ordinary profit ¥ bn	YoY	Basis
FYE Mar 2017	36.7	n/a	Cons. · Japanese GAAP
FYE Mar 2018	38.3	+4.3%	Cons. · Japanese GAAP
FYE Mar 2019	40.7	+6.3%	Cons. · Japanese GAAP
FYE Mar 2020	39.8	−2.2%	Cons. · Japanese GAAP
FYE Mar 2021	35.6	−10.5%	Cons. · Japanese GAAP
FYE Mar 2022	28.3	−20.7%	Cons. · Japanese GAAP
FYE Mar 2023	28.9	+2.4%	Cons. · Japanese GAAP
FYE Mar 2024	30.5	+5.5%	Cons. · Japanese GAAP
FYE Mar 2025	30.3	−0.8%	Cons. · Japanese GAAP
FYE Mar 2026	30.2	−0.4%	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

CAGR · 7 yrs −47.1%

Fiscal year	Extraordinary income ¥ bn	YoY	Basis
FYE Mar 2017	n/a	n/a	Cons. · Japanese GAAP
FYE Mar 2018	n/a	n/a	Cons. · Japanese GAAP
FYE Mar 2019	n/a	n/a	Cons. · Japanese GAAP
FYE Mar 2020	0.1	n/a	Cons. · Japanese GAAP
FYE Mar 2021	0.3	+200.0%	Cons. · Japanese GAAP
FYE Mar 2022	0.4	+59.3%	Cons. · Japanese GAAP
FYE Mar 2023	0.0	−98.6%	Cons. · Japanese GAAP
FYE Mar 2024	22.3	+372000.0%	Cons. · Japanese GAAP
FYE Mar 2025	1.3	−94.1%	Cons. · Japanese GAAP
FYE Mar 2026	0.0	−99.8%	Cons. · Japanese GAAP

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

Extraordinary loss

FYE Mar 2026 n/a

CAGR · 4 yrs +15.6%

Fiscal year	Extraordinary loss ¥ m	YoY	Basis
FYE Mar 2017	167	n/a	Cons. · Japanese GAAP
FYE Mar 2018	141	−15.6%	Cons. · Japanese GAAP
FYE Mar 2019	n/a	n/a	Cons. · Japanese GAAP
FYE Mar 2020	147	n/a	Cons. · Japanese GAAP
FYE Mar 2021	258	+75.5%	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	n/a	n/a	Cons. · Japanese GAAP

Definition: One-off losses, such as an impairment or a restructuring charge
Formula: Extraordinary loss line of the income statement
Source: Securities report (XBRL)

Net profit profit attributable to owners of the parent

FYE Mar 2026 ¥13bn

CAGR · 10 yrs −6.7%

Fiscal year	Net profit ¥ bn	YoY	Basis
FYE Mar 2017	25.1	n/a	Cons. · Japanese GAAP
FYE Mar 2018	25.3	+0.7%	Cons. · Japanese GAAP
FYE Mar 2019	13.2	−47.7%	Cons. · Japanese GAAP
FYE Mar 2020	26.2	+97.7%	Cons. · Japanese GAAP
FYE Mar 2021	25.9	−1.0%	Cons. · Japanese GAAP
FYE Mar 2022	20.8	−19.6%	Cons. · Japanese GAAP
FYE Mar 2023	18.9	−9.5%	Cons. · Japanese GAAP
FYE Mar 2024	32.0	+69.6%	Cons. · Japanese GAAP
FYE Mar 2025	18.2	−43.0%	Cons. · Japanese GAAP
FYE Mar 2026	13.5	−26.0%	Cons. · Japanese GAAP

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

Operating margin

FYE Mar 2026 13.7%

Average · 10 yrs 22.3%

Fiscal year	Operating margin %	YoY	Basis
FYE Mar 2017	30.2	n/a	Cons. · Japanese GAAP
FYE Mar 2018	30.0	−0.2pp	Cons. · Japanese GAAP
FYE Mar 2019	27.6	−2.4pp	Cons. · Japanese GAAP
FYE Mar 2020	26.8	−0.8pp	Cons. · Japanese GAAP
FYE Mar 2021	26.0	−0.9pp	Cons. · Japanese GAAP
FYE Mar 2022	20.7	−5.3pp	Cons. · Japanese GAAP
FYE Mar 2023	18.7	−2.0pp	Cons. · Japanese GAAP
FYE Mar 2024	15.4	−3.2pp	Cons. · Japanese GAAP
FYE Mar 2025	14.1	−1.3pp	Cons. · Japanese GAAP
FYE Mar 2026	13.7	−0.4pp	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 13.7%

Average · 10 yrs 22.3%

Fiscal year	Ordinary margin %	YoY	Basis
FYE Mar 2017	30.2	n/a	Cons. · Japanese GAAP
FYE Mar 2018	30.0	−0.2pp	Cons. · Japanese GAAP
FYE Mar 2019	27.6	−2.4pp	Cons. · Japanese GAAP
FYE Mar 2020	26.8	−0.8pp	Cons. · Japanese GAAP
FYE Mar 2021	26.0	−0.9pp	Cons. · Japanese GAAP
FYE Mar 2022	20.7	−5.3pp	Cons. · Japanese GAAP
FYE Mar 2023	18.7	−2.0pp	Cons. · Japanese GAAP
FYE Mar 2024	15.4	−3.2pp	Cons. · Japanese GAAP
FYE Mar 2025	14.1	−1.3pp	Cons. · Japanese GAAP
FYE Mar 2026	13.7	−0.4pp	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 6.1%

Average · 10 yrs 14.4%

Fiscal year	Net margin %	YoY	Basis
FYE Mar 2017	20.7	n/a	Cons. · Japanese GAAP
FYE Mar 2018	19.8	−0.8pp	Cons. · Japanese GAAP
FYE Mar 2019	9.0	−10.8pp	Cons. · Japanese GAAP
FYE Mar 2020	17.6	+8.6pp	Cons. · Japanese GAAP
FYE Mar 2021	18.9	+1.3pp	Cons. · Japanese GAAP
FYE Mar 2022	15.2	−3.6pp	Cons. · Japanese GAAP
FYE Mar 2023	12.2	−3.1pp	Cons. · Japanese GAAP
FYE Mar 2024	16.2	+4.0pp	Cons. · Japanese GAAP
FYE Mar 2025	8.5	−7.7pp	Cons. · Japanese GAAP
FYE Mar 2026	6.1	−2.4pp	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 86.3%

Average · 10 yrs 77.7%

Fiscal year	Cost-of-sales ratio %	YoY	Basis
FYE Mar 2017	69.8	n/a	Cons. · Japanese GAAP
FYE Mar 2018	70.0	+0.2pp	Cons. · Japanese GAAP
FYE Mar 2019	72.4	+2.4pp	Cons. · Japanese GAAP
FYE Mar 2020	73.2	+0.8pp	Cons. · Japanese GAAP
FYE Mar 2021	74.0	+0.9pp	Cons. · Japanese GAAP
FYE Mar 2022	79.3	+5.3pp	Cons. · Japanese GAAP
FYE Mar 2023	81.3	+2.0pp	Cons. · Japanese GAAP
FYE Mar 2024	84.6	+3.2pp	Cons. · Japanese GAAP
FYE Mar 2025	85.9	+1.3pp	Cons. · Japanese GAAP
FYE Mar 2026	86.3	+0.4pp	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 ¥1.55tn

CAGR · 10 yrs +5.5%

Fiscal year	Total assets ¥ bn	YoY	Basis
FYE Mar 2017	958	n/a	Cons. · Japanese GAAP
FYE Mar 2018	1,022	+6.8%	Cons. · Japanese GAAP
FYE Mar 2019	1,142	+11.7%	Cons. · Japanese GAAP
FYE Mar 2020	1,086	−4.9%	Cons. · Japanese GAAP
FYE Mar 2021	1,197	+10.2%	Cons. · Japanese GAAP
FYE Mar 2022	1,222	+2.0%	Cons. · Japanese GAAP
FYE Mar 2023	1,312	+7.4%	Cons. · Japanese GAAP
FYE Mar 2024	1,718	+30.9%	Cons. · Japanese GAAP
FYE Mar 2025	1,496	−12.9%	Cons. · Japanese GAAP
FYE Mar 2026	1,546	+3.3%	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 ¥280bn

CAGR · 10 yrs +3.9%

Fiscal year	Equity ¥ bn	YoY	Basis
FYE Mar 2017	199	n/a	Cons. · Japanese GAAP
FYE Mar 2018	212	+6.5%	Cons. · Japanese GAAP
FYE Mar 2019	213	+0.4%	Cons. · Japanese GAAP
FYE Mar 2020	221	+4.0%	Cons. · Japanese GAAP
FYE Mar 2021	233	+5.3%	Cons. · Japanese GAAP
FYE Mar 2022	243	+4.0%	Cons. · Japanese GAAP
FYE Mar 2023	251	+3.4%	Cons. · Japanese GAAP
FYE Mar 2024	271	+7.9%	Cons. · Japanese GAAP
FYE Mar 2025	277	+2.5%	Cons. · Japanese GAAP
FYE Mar 2026	280	+1.2%	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 ¥100bn

CAGR · 10 yrs −1.1%

Fiscal year	Interest-bearing debt ¥ bn	YoY	Basis
FYE Mar 2017	110	n/a	Cons. · Japanese GAAP
FYE Mar 2018	95.0	−13.6%	Cons. · Japanese GAAP
FYE Mar 2019	135	+42.1%	Cons. · Japanese GAAP
FYE Mar 2020	105	−22.2%	Cons. · Japanese GAAP
FYE Mar 2021	105	−0.0%	Cons. · Japanese GAAP
FYE Mar 2022	105	−0.0%	Cons. · Japanese GAAP
FYE Mar 2023	85.0	−19.0%	Cons. · Japanese GAAP
FYE Mar 2024	65.0	−23.5%	Cons. · Japanese GAAP
FYE Mar 2025	50.0	−23.1%	Cons. · Japanese GAAP
FYE Mar 2026	100	+100.0%	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 ¥100bn

CAGR · 10 yrs −1.1%

Fiscal year	Long-term borrowings ¥ bn	YoY	Basis
FYE Mar 2017	110	n/a	Cons. · Japanese GAAP
FYE Mar 2018	95.0	−13.6%	Cons. · Japanese GAAP
FYE Mar 2019	135	+42.1%	Cons. · Japanese GAAP
FYE Mar 2020	105	−22.2%	Cons. · Japanese GAAP
FYE Mar 2021	105	−0.0%	Cons. · Japanese GAAP
FYE Mar 2022	105	−0.0%	Cons. · Japanese GAAP
FYE Mar 2023	85.0	−19.0%	Cons. · Japanese GAAP
FYE Mar 2024	65.0	−23.5%	Cons. · Japanese GAAP
FYE Mar 2025	50.0	−23.1%	Cons. · Japanese GAAP
FYE Mar 2026	100	+100.0%	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 ¥44bn

CAGR · 10 yrs +2.9%

Fiscal year	Intangible assets ¥ bn	YoY	Basis
FYE Mar 2017	34.5	n/a	Cons. · Japanese GAAP
FYE Mar 2018	36.0	+4.3%	Cons. · Japanese GAAP
FYE Mar 2019	26.7	−25.9%	Cons. · Japanese GAAP
FYE Mar 2020	29.7	+11.3%	Cons. · Japanese GAAP
FYE Mar 2021	34.9	+17.5%	Cons. · Japanese GAAP
FYE Mar 2022	33.6	−3.6%	Cons. · Japanese GAAP
FYE Mar 2023	34.4	+2.3%	Cons. · Japanese GAAP
FYE Mar 2024	46.8	+36.2%	Cons. · Japanese GAAP
FYE Mar 2025	50.0	+6.9%	Cons. · Japanese GAAP
FYE Mar 2026	44.4	−11.3%	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 n/a

CAGR · 4 yrs −61.6%

Fiscal year	Goodwill ¥ bn	YoY	Basis
FYE Mar 2017	5.8	n/a	Cons. · Japanese GAAP
FYE Mar 2018	4.7	−20.1%	Cons. · Japanese GAAP
FYE Mar 2019	n/a	n/a	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	0.4	n/a	Cons. · Japanese GAAP
FYE Mar 2024	0.3	−21.4%	Cons. · Japanese GAAP
FYE Mar 2025	n/a	n/a	Cons. · Japanese GAAP
FYE Mar 2026	n/a	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 18.1%

Average · 10 yrs 19.1%

Fiscal year	Equity ratio %	YoY	Basis
FYE Mar 2017	20.8	n/a	Cons. · Japanese GAAP
FYE Mar 2018	20.7	−0.0pp	Cons. · Japanese GAAP
FYE Mar 2019	18.6	−2.1pp	Cons. · Japanese GAAP
FYE Mar 2020	20.4	+1.8pp	Cons. · Japanese GAAP
FYE Mar 2021	19.5	−0.9pp	Cons. · Japanese GAAP
FYE Mar 2022	19.9	+0.4pp	Cons. · Japanese GAAP
FYE Mar 2023	19.1	−0.8pp	Cons. · Japanese GAAP
FYE Mar 2024	15.7	−3.3pp	Cons. · Japanese GAAP
FYE Mar 2025	18.5	+2.8pp	Cons. · Japanese GAAP
FYE Mar 2026	18.1	−0.4pp	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 35.7%

Average · 10 yrs 41.1%

Fiscal year	Debt-to-equity ratio %	YoY	Basis
FYE Mar 2017	55.3	n/a	Cons. · Japanese GAAP
FYE Mar 2018	44.8	−10.5pp	Cons. · Japanese GAAP
FYE Mar 2019	63.4	+18.6pp	Cons. · Japanese GAAP
FYE Mar 2020	47.4	−16.0pp	Cons. · Japanese GAAP
FYE Mar 2021	45.0	−2.4pp	Cons. · Japanese GAAP
FYE Mar 2022	43.3	−1.7pp	Cons. · Japanese GAAP
FYE Mar 2023	33.9	−9.4pp	Cons. · Japanese GAAP
FYE Mar 2024	24.0	−9.9pp	Cons. · Japanese GAAP
FYE Mar 2025	18.0	−6.0pp	Cons. · Japanese GAAP
FYE Mar 2026	35.7	+17.6pp	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 4.8%

Average · 10 yrs 9.3%

Fiscal year	ROE %	YoY	Basis
FYE Mar 2017	12.6	n/a	Cons. · Japanese GAAP
FYE Mar 2018	11.9	−0.7pp	Cons. · Japanese GAAP
FYE Mar 2019	6.2	−5.7pp	Cons. · Japanese GAAP
FYE Mar 2020	11.8	+5.6pp	Cons. · Japanese GAAP
FYE Mar 2021	11.1	−0.7pp	Cons. · Japanese GAAP
FYE Mar 2022	8.6	−2.5pp	Cons. · Japanese GAAP
FYE Mar 2023	7.5	−1.1pp	Cons. · Japanese GAAP
FYE Mar 2024	11.8	+4.3pp	Cons. · Japanese GAAP
FYE Mar 2025	6.6	−5.2pp	Cons. · Japanese GAAP
FYE Mar 2026	4.8	−1.8pp	Cons. · Japanese GAAP

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

ROA return on assets

FYE Mar 2026 0.9%

Average · 10 yrs 1.8%

Fiscal year	ROA %	YoY	Basis
FYE Mar 2017	2.6	n/a	Cons. · Japanese GAAP
FYE Mar 2018	2.5	−0.1pp	Cons. · Japanese GAAP
FYE Mar 2019	1.2	−1.3pp	Cons. · Japanese GAAP
FYE Mar 2020	2.4	+1.3pp	Cons. · Japanese GAAP
FYE Mar 2021	2.2	−0.2pp	Cons. · Japanese GAAP
FYE Mar 2022	1.7	−0.5pp	Cons. · Japanese GAAP
FYE Mar 2023	1.4	−0.3pp	Cons. · Japanese GAAP
FYE Mar 2024	1.9	+0.4pp	Cons. · Japanese GAAP
FYE Mar 2025	1.2	−0.6pp	Cons. · Japanese GAAP
FYE Mar 2026	0.9	−0.3pp	Cons. · Japanese GAAP

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

Asset turnover

FYE Mar 2026 0.14×

CAGR · 10 yrs +1.3%

Fiscal year	Asset turnover ×	YoY	Basis
FYE Mar 2017	0.13	n/a	Cons. · Japanese GAAP
FYE Mar 2018	0.12	−1.7%	Cons. · Japanese GAAP
FYE Mar 2019	0.13	+3.3%	Cons. · Japanese GAAP
FYE Mar 2020	0.14	+6.1%	Cons. · Japanese GAAP
FYE Mar 2021	0.11	−16.2%	Cons. · Japanese GAAP
FYE Mar 2022	0.11	−2.4%	Cons. · Japanese GAAP
FYE Mar 2023	0.12	+5.6%	Cons. · Japanese GAAP
FYE Mar 2024	0.12	−2.5%	Cons. · Japanese GAAP
FYE Mar 2025	0.14	+24.4%	Cons. · Japanese GAAP
FYE Mar 2026	0.14	−0.7%	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 ¥84bn

CAGR · 10 yrs −0.5%

Fiscal year	Operating cash flow ¥ bn	YoY	Basis
FYE Mar 2017	88.1	n/a	Cons. · Japanese GAAP
FYE Mar 2018	31.5	−64.3%	Cons. · Japanese GAAP
FYE Mar 2019	117	+273.3%	Cons. · Japanese GAAP
FYE Mar 2020	89.6	−23.7%	Cons. · Japanese GAAP
FYE Mar 2021	136	+51.8%	Cons. · Japanese GAAP
FYE Mar 2022	41.3	−69.6%	Cons. · Japanese GAAP
FYE Mar 2023	66.6	+61.2%	Cons. · Japanese GAAP
FYE Mar 2024	101	+51.3%	Cons. · Japanese GAAP
FYE Mar 2025	-38.9	−138.6%	Cons. · Japanese GAAP
FYE Mar 2026	83.9	n/a	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 -¥71bn

Average · 10 yrs -¥35bn

Fiscal year	Investing cash flow ¥ bn	YoY	Basis
FYE Mar 2017	-28.8	n/a	Cons. · Japanese GAAP
FYE Mar 2018	-3.6	n/a	Cons. · Japanese GAAP
FYE Mar 2019	-34.9	n/a	Cons. · Japanese GAAP
FYE Mar 2020	-5.8	n/a	Cons. · Japanese GAAP
FYE Mar 2021	-32.8	n/a	Cons. · Japanese GAAP
FYE Mar 2022	-36.1	n/a	Cons. · Japanese GAAP
FYE Mar 2023	-36.2	n/a	Cons. · Japanese GAAP
FYE Mar 2024	-51.9	n/a	Cons. · Japanese GAAP
FYE Mar 2025	-46.7	n/a	Cons. · Japanese GAAP
FYE Mar 2026	-71.5	n/a	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 -¥12bn

Average · 10 yrs -¥13bn

Fiscal year	Financing cash flow ¥ bn	YoY	Basis
FYE Mar 2017	-10.4	n/a	Cons. · Japanese GAAP
FYE Mar 2018	-11.7	n/a	Cons. · Japanese GAAP
FYE Mar 2019	-12.2	n/a	Cons. · Japanese GAAP
FYE Mar 2020	-16.0	n/a	Cons. · Japanese GAAP
FYE Mar 2021	-13.6	n/a	Cons. · Japanese GAAP
FYE Mar 2022	-12.7	n/a	Cons. · Japanese GAAP
FYE Mar 2023	-13.0	n/a	Cons. · Japanese GAAP
FYE Mar 2024	-12.1	n/a	Cons. · Japanese GAAP
FYE Mar 2025	-12.7	n/a	Cons. · Japanese GAAP
FYE Mar 2026	-11.7	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 ¥893bn

CAGR · 10 yrs +2.8%

Fiscal year	Cash and equivalents ¥ bn	YoY	Basis
FYE Mar 2017	695	n/a	Cons. · Japanese GAAP
FYE Mar 2018	710	+2.3%	Cons. · Japanese GAAP
FYE Mar 2019	781	+9.9%	Cons. · Japanese GAAP
FYE Mar 2020	848	+8.7%	Cons. · Japanese GAAP
FYE Mar 2021	938	+10.5%	Cons. · Japanese GAAP
FYE Mar 2022	931	−0.7%	Cons. · Japanese GAAP
FYE Mar 2023	950	+2.0%	Cons. · Japanese GAAP
FYE Mar 2024	989	+4.0%	Cons. · Japanese GAAP
FYE Mar 2025	893	−9.7%	Cons. · Japanese GAAP
FYE Mar 2026	893	−0.0%	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 ¥12bn

CAGR · 10 yrs −15.9%

Fiscal year	FCF ¥ bn	YoY	Basis
FYE Mar 2017	59.3	n/a	Cons. · Japanese GAAP
FYE Mar 2018	27.8	−53.1%	Cons. · Japanese GAAP
FYE Mar 2019	82.6	+196.9%	Cons. · Japanese GAAP
FYE Mar 2020	83.8	+1.5%	Cons. · Japanese GAAP
FYE Mar 2021	103	+23.2%	Cons. · Japanese GAAP
FYE Mar 2022	5.2	−95.0%	Cons. · Japanese GAAP
FYE Mar 2023	30.4	+484.7%	Cons. · Japanese GAAP
FYE Mar 2024	48.8	+60.6%	Cons. · Japanese GAAP
FYE Mar 2025	-85.6	−275.3%	Cons. · Japanese GAAP
FYE Mar 2026	12.5	n/a	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 38.1%

Average · 10 yrs 48.0%

Fiscal year	OCF margin %	YoY	Basis
FYE Mar 2017	72.5	n/a	Cons. · Japanese GAAP
FYE Mar 2018	24.6	−47.8pp	Cons. · Japanese GAAP
FYE Mar 2019	79.8	+55.1pp	Cons. · Japanese GAAP
FYE Mar 2020	60.3	−19.4pp	Cons. · Japanese GAAP
FYE Mar 2021	99.1	+38.8pp	Cons. · Japanese GAAP
FYE Mar 2022	30.2	−68.9pp	Cons. · Japanese GAAP
FYE Mar 2023	43.0	+12.7pp	Cons. · Japanese GAAP
FYE Mar 2024	50.9	+8.0pp	Cons. · Japanese GAAP
FYE Mar 2025	-18.1	−69.0pp	Cons. · Japanese GAAP
FYE Mar 2026	38.1	+56.3pp	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 ¥793bn

CAGR · 10 yrs +3.4%

Fiscal year	Net cash ¥ bn	YoY	Basis
FYE Mar 2017	585	n/a	Cons. · Japanese GAAP
FYE Mar 2018	615	+5.3%	Cons. · Japanese GAAP
FYE Mar 2019	646	+4.9%	Cons. · Japanese GAAP
FYE Mar 2020	743	+15.1%	Cons. · Japanese GAAP
FYE Mar 2021	833	+12.0%	Cons. · Japanese GAAP
FYE Mar 2022	826	−0.8%	Cons. · Japanese GAAP
FYE Mar 2023	865	+4.7%	Cons. · Japanese GAAP
FYE Mar 2024	924	+6.8%	Cons. · Japanese GAAP
FYE Mar 2025	843	−8.8%	Cons. · Japanese GAAP
FYE Mar 2026	793	−5.9%	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 ¥316bn

Change · 10 yrs −¥117bn

Fiscal year	Market capitalisation ¥ bn	Basis
FYE Mar 2017	433	n/a
FYE Mar 2018	404	n/a
FYE Mar 2019	390	n/a
FYE Mar 2020	329	n/a
FYE Mar 2021	298	n/a
FYE Mar 2022	282	n/a
FYE Mar 2023	312	n/a
FYE Mar 2024	349	n/a
FYE Mar 2025	330	n/a
FYE Mar 2026	316	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 268¥

Change · 10 yrs −96¥

Fiscal year	Share price ¥	Basis
FYE Mar 2017	364	n/a
FYE Mar 2018	339	n/a
FYE Mar 2019	327	n/a
FYE Mar 2020	279	n/a
FYE Mar 2021	253	n/a
FYE Mar 2022	239	n/a
FYE Mar 2023	265	n/a
FYE Mar 2024	296	n/a
FYE Mar 2025	280	n/a
FYE Mar 2026	268	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 1,179,308,000shares

Change · 10 yrs −12,220,000 shares

Fiscal year	Shares outstanding shares	Basis
FYE Mar 2017	1,191,528,000	Parent
FYE Mar 2018	1,191,528,000	Parent
FYE Mar 2019	1,192,464,000	Parent
FYE Mar 2020	1,179,129,000	Parent
FYE Mar 2021	1,179,308,000	Parent
FYE Mar 2022	1,179,308,000	Parent
FYE Mar 2023	1,179,308,000	Parent
FYE Mar 2024	1,179,308,000	Parent
FYE Mar 2025	1,179,308,000	Parent
FYE Mar 2026	1,179,308,000	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 12.14¥

Change · 10 yrs −8.93¥

Fiscal year	EPS ¥	Basis
FYE Mar 2017	21.07	Cons.
FYE Mar 2018	21.24	Cons.
FYE Mar 2019	11.11	Cons.
FYE Mar 2020	22.14	Cons.
FYE Mar 2021	22.01	Cons.
FYE Mar 2022	17.71	Cons.
FYE Mar 2023	16.03	Cons.
FYE Mar 2024	27.25	Cons.
FYE Mar 2025	15.57	Cons.
FYE Mar 2026	12.14	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 237.85¥

Change · 10 yrs +70.79¥

Fiscal year	BPS ¥	Basis
FYE Mar 2017	167.06	Cons. · Japanese GAAP
FYE Mar 2018	177.93	Cons. · Japanese GAAP
FYE Mar 2019	178.52	Cons. · Japanese GAAP
FYE Mar 2020	187.84	Cons. · Japanese GAAP
FYE Mar 2021	197.80	Cons. · Japanese GAAP
FYE Mar 2022	205.63	Cons. · Japanese GAAP
FYE Mar 2023	212.52	Cons. · Japanese GAAP
FYE Mar 2024	229.41	Cons. · Japanese GAAP
FYE Mar 2025	235.08	Cons. · Japanese GAAP
FYE Mar 2026	237.85	Cons. · Japanese GAAP

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

PER price-to-earnings ratio

FYE Mar 2026 22.06×

Average · 10 yrs 16.76×

Fiscal year	PER ×	Basis
FYE Mar 2017	17.26	Cons.
FYE Mar 2018	15.95	Cons.
FYE Mar 2019	29.43	Cons.
FYE Mar 2020	12.60	Cons.
FYE Mar 2021	11.49	Cons.
FYE Mar 2022	13.49	Cons.
FYE Mar 2023	16.52	Cons.
FYE Mar 2024	10.85	Cons.
FYE Mar 2025	17.97	Cons.
FYE Mar 2026	22.06	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 1.12×

Average · 10 yrs 1.47×

Fiscal year	PBR ×	Basis
FYE Mar 2017	2.18	Cons.
FYE Mar 2018	1.91	Cons.
FYE Mar 2019	1.83	Cons.
FYE Mar 2020	1.49	Cons.
FYE Mar 2021	1.27	Cons.
FYE Mar 2022	1.16	Cons.
FYE Mar 2023	1.24	Cons.
FYE Mar 2024	1.28	Cons.
FYE Mar 2025	1.18	Cons.
FYE Mar 2026	1.12	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 1,393people

Change · 10 yrs +759 people

Fiscal year	Group employees people	YoY	Basis
FYE Mar 2017	634	n/a	Cons.
FYE Mar 2018	654	+3.2%	Cons.
FYE Mar 2019	657	+0.5%	Cons.
FYE Mar 2020	713	+8.5%	Cons.
FYE Mar 2021	809	+13.5%	Cons.
FYE Mar 2022	911	+12.6%	Cons.
FYE Mar 2023	1,016	+11.5%	Cons.
FYE Mar 2024	1,301	+28.1%	Cons.
FYE Mar 2025	1,398	+7.5%	Cons.
FYE Mar 2026	1,393	−0.4%	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 715people

Change · 10 yrs +243 people

Fiscal year	Parent-company employees people	YoY	Basis
FYE Mar 2017	472	n/a	Parent
FYE Mar 2018	468	−0.8%	Parent
FYE Mar 2019	460	−1.7%	Parent
FYE Mar 2020	487	+5.9%	Parent
FYE Mar 2021	470	−3.5%	Parent
FYE Mar 2022	505	+7.4%	Parent
FYE Mar 2023	549	+8.7%	Parent
FYE Mar 2024	614	+11.8%	Parent
FYE Mar 2025	703	+14.5%	Parent
FYE Mar 2026	715	+1.7%	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 773万円

Change · 8 yrs +95万円

Fiscal year	Average annual pay 万円	YoY	Basis
FYE Mar 2017	n/a	n/a	Parent
FYE Mar 2018	n/a	n/a	Parent
FYE Mar 2019	679	n/a	Parent
FYE Mar 2020	708	+4.3%	Parent
FYE Mar 2021	713	+0.7%	Parent
FYE Mar 2022	713	−0.0%	Parent
FYE Mar 2023	699	−1.9%	Parent
FYE Mar 2024	696	−0.4%	Parent
FYE Mar 2025	695	−0.2%	Parent
FYE Mar 2026	773	+11.3%	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 41.1years

Change · 8 yrs −1.8 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	42.9	n/a	Parent
FYE Mar 2020	42.5	−0.9%	Parent
FYE Mar 2021	42.3	−0.5%	Parent
FYE Mar 2022	42.1	−0.5%	Parent
FYE Mar 2023	41.4	−1.7%	Parent
FYE Mar 2024	41.1	−0.7%	Parent
FYE Mar 2025	41.2	+0.2%	Parent
FYE Mar 2026	41.1	−0.2%	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 7.4years

Change · 8 yrs −0.0 years

Fiscal year	Average length of service years	YoY	Basis
FYE Mar 2017	n/a	n/a	Parent
FYE Mar 2018	n/a	n/a	Parent
FYE Mar 2019	7.4	n/a	Parent
FYE Mar 2020	7.5	+1.4%	Parent
FYE Mar 2021	7.8	+4.0%	Parent
FYE Mar 2022	7.8	−0.0%	Parent
FYE Mar 2023	7.6	−2.6%	Parent
FYE Mar 2024	7.2	−5.3%	Parent
FYE Mar 2025	7.2	−0.0%	Parent
FYE Mar 2026	7.4	+2.8%	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 618people

Change · 10 yrs +518 people

Fiscal year	Temporary employees people	YoY	Basis
FYE Mar 2017	100	n/a	n/a
FYE Mar 2018	114	+14.0%	n/a
FYE Mar 2019	125	+9.6%	n/a
FYE Mar 2020	153	+22.4%	n/a
FYE Mar 2021	181	+18.3%	n/a
FYE Mar 2022	272	+50.3%	n/a
FYE Mar 2023	392	+44.1%	n/a
FYE Mar 2024	585	+49.2%	n/a
FYE Mar 2025	631	+7.9%	n/a
FYE Mar 2026	618	−2.1%	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 ¥158m

Change · 10 yrs −¥33.9m

Fiscal year	Revenue per employee ¥ m	YoY	Basis
FYE Mar 2017	192	n/a	Cons.
FYE Mar 2018	195	+1.8%	Cons.
FYE Mar 2019	224	+14.9%	Cons.
FYE Mar 2020	208	−7.1%	Cons.
FYE Mar 2021	170	−18.6%	Cons.
FYE Mar 2022	150	−11.6%	Cons.
FYE Mar 2023	153	+1.7%	Cons.
FYE Mar 2024	152	−0.3%	Cons.
FYE Mar 2025	153	+0.8%	Cons.
FYE Mar 2026	158	+3.0%	Cons.

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

Operating profit per employee

FYE Mar 2026 ¥21.7m

Change · 10 yrs −¥36.2m

Fiscal year	OP per employee ¥ m	YoY	Basis
FYE Mar 2017	57.9	n/a	Cons.
FYE Mar 2018	58.6	+1.2%	Cons.
FYE Mar 2019	62.0	+5.8%	Cons.
FYE Mar 2020	55.9	−9.8%	Cons.
FYE Mar 2021	44.1	−21.1%	Cons.
FYE Mar 2022	31.0	−29.6%	Cons.
FYE Mar 2023	28.5	−8.2%	Cons.
FYE Mar 2024	23.5	−17.6%	Cons.
FYE Mar 2025	21.7	−7.7%	Cons.
FYE Mar 2026	21.7	−0.1%	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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