売上高
損益
EPS
利益率
コスト
損益計算書
2016-03百万円 | 2017-03百万円 | 2018-03百万円 | 2019-03百万円 | 2020-03百万円 | 2021-03百万円 | 2022-03百万円 | 2023-03百万円 | 2024-03百万円 | 2025-03百万円 | 2026-03百万円 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 営業収益 | |||||||||||
| 営業貸付金利息 | 151,600 | 153,140 | 161,564 | 169,273 | 176,286 | 167,833 | 163,272 | 168,872 | 181,925 | 196,122 | 207,283 |
| 包括信用購入あっせん収益 | 3,401 | 4,455 | 6,168 | 7,773 | 9,198 | 9,985 | 10,853 | 12,377 | 14,693 | 17,033 | 19,144 |
| 個別信用購入あっせん収益 | 87 | 66 | 74 | 64 | 67 | 56 | 62 | 66 | 66 | 64 | 59 |
| 信用保証収益 | 43,472 | 50,400 | 58,401 | 61,428 | 60,142 | 55,675 | 53,658 | 56,646 | 61,223 | 66,667 | 70,979 |
| 買取債権回収高 | 5,549 | 6,148 | 5,429 | 4,739 | 4,272 | 4,358 | 4,411 | 4,633 | 4,659 | 4,880 | 5,531 |
| その他の金融収益 | |||||||||||
| 預金利息 | 71 | 79 | 61 | 61 | 12 | 12 | 3 | 0 | 41 | 77 | 64 |
| その他 | 733 | 296 | 298 | 455 | 73 | 21 | 100 | 130 | 158 | 6 | 94 |
| その他の金融収益計 | 1,187 | 759 | 792 | 832 | 200 | 34 | 104 | 131 | 199 | 83 | 159 |
| 有価証券利息 | 102 | 192 | 224 | 101 | 12 | 0 | 0 | 0 | 0 | - | - |
| 貸付金利息 | 5 | - | 19 | 87 | 59 | - | - | - | - | - | - |
| 預け金利息 | - | 190 | 187 | 126 | 43 | - | - | - | - | - | - |
| 為替差益 | 275 | - | - | - | - | - | - | - | - | - | - |
| デリバティブ評価益 | - | - | - | - | - | - | - | - | - | - | - |
| その他の営業収益 | 24,279 | 23,626 | 24,973 | 26,822 | 27,774 | 28,372 | 29,792 | 31,067 | 31,961 | 32,890 | 34,552 |
| 銀行業貸出金利息 | 8,104 | 6,550 | 6,049 | 6,135 | 1,567 | - | - | - | - | - | - |
| 営業収益合計 | 237,683 | 245,148 | 263,453 | 277,069 | 279,510 | 266,316 | 262,155 | 273,793 | 294,730 | 317,742 | 337,709 |
| 営業費用 | |||||||||||
| 金融費用 | |||||||||||
| 支払利息 | 7,741 | 6,735 | 5,931 | 5,044 | 3,897 | 2,735 | 2,381 | 2,246 | 2,693 | 3,538 | 4,957 |
| 社債利息 | 3,477 | 2,761 | 2,851 | 2,845 | 2,725 | 2,274 | 1,796 | 1,212 | 1,229 | 1,339 | 1,533 |
| 社債発行費償却 | 292 | 220 | 148 | 143 | 175 | 64 | 73 | 6 | 302 | 168 | 109 |
| その他 | 715 | 544 | 610 | 662 | 684 | 796 | 913 | 546 | 702 | 701 | 723 |
| 金融費用計 | 17,313 | 13,524 | 12,454 | 11,310 | 8,228 | 5,870 | 5,165 | 4,012 | 4,927 | 5,747 | 7,323 |
| 銀行業預金支払利息 | 4,816 | 3,261 | 2,912 | 2,615 | 745 | - | - | - | - | - | - |
| デリバティブ評価損 | 269 | - | - | - | - | - | - | - | - | - | - |
| 債権買取原価 | 2,382 | 2,759 | 2,465 | 2,087 | 1,782 | 1,844 | 1,649 | 1,657 | 1,764 | 2,024 | 2,444 |
| その他の営業費用 | |||||||||||
| 広告宣伝費 | 11,407 | 11,763 | 11,734 | 12,103 | 12,737 | 11,165 | 15,226 | 17,848 | 19,686 | 17,266 | 17,788 |
| 貸倒引当金繰入額 | 51,997 | 59,805 | 67,519 | 66,261 | 72,468 | 57,449 | 59,446 | 70,855 | 85,852 | 92,881 | 95,779 |
| 利息返還損失引当金繰入額 | 56,638 | 143,728 | - | 39,479 | 19,700 | - | 58,923 | - | - | 40,033 | 6,573 |
| 債務保証損失引当金繰入額 | 8,042 | 8,732 | 10,050 | 9,728 | 9,448 | 8,749 | 8,990 | 9,662 | 12,100 | 12,795 | 13,655 |
| 従業員給与手当賞与 | 19,009 | 18,506 | 19,534 | 20,193 | 20,293 | 20,150 | 20,509 | 21,160 | 22,409 | 24,172 | 25,735 |
| 退職給付費用 | 549 | 679 | 1,045 | 954 | 1,635 | 2,190 | 973 | 876 | 1,013 | -85 | -333 |
| 福利厚生費 | 2,587 | 2,520 | 2,723 | 2,684 | 2,694 | 2,764 | 2,841 | 2,897 | 3,058 | 3,331 | 3,443 |
| 賃借料 | 6,849 | 6,592 | 6,599 | 6,408 | 6,148 | 5,931 | 5,883 | 6,107 | 5,737 | 5,622 | 5,536 |
| 減価償却費 | 4,155 | 4,246 | 4,448 | 4,749 | 3,503 | 3,170 | 3,285 | 3,647 | 3,462 | 3,852 | 3,894 |
| 支払手数料 | 23,139 | 24,264 | 24,197 | 22,954 | 22,901 | 24,689 | 21,727 | 22,258 | 24,177 | 26,891 | 28,235 |
| のれん償却額 | 984 | 984 | 984 | 813 | 813 | 665 | 518 | 518 | 518 | 215 | - |
| その他 | 17,102 | 17,201 | 18,750 | 19,728 | 21,513 | 22,776 | 22,236 | 25,005 | 23,674 | 24,431 | 27,238 |
| その他の営業費用計 | 202,471 | 299,031 | 167,591 | 206,062 | 193,862 | 159,704 | 220,561 | 180,836 | 201,690 | 251,409 | 227,547 |
| 役員退職慰労引当金繰入額 | 6 | 4 | 3 | 3 | 3 | - | - | - | - | - | - |
| 営業費用合計 | 222,166 | 315,315 | 182,511 | 219,461 | 203,873 | 167,419 | 227,376 | 186,506 | 208,383 | 259,181 | 237,315 |
| 営業利益 | 15,516 | -70,166 | 80,942 | 57,607 | 75,636 | 98,896 | 34,779 | 87,287 | 86,347 | 58,561 | 100,394 |
| 営業外収益 | |||||||||||
| 受取利息 | 308 | 276 | 252 | 209 | 53 | 2 | 1 | 1 | 1 | 1 | 0 |
| 受取配当金 | 10 | 7 | 13 | 15 | 25 | 25 | 13 | 25 | 29 | 5 | 15 |
| 持分法による投資利益 | 8 | 19 | 10 | 7 | 3 | 43 | 31 | 24 | 18 | 23 | 25 |
| 受取家賃 | 302 | 276 | 277 | 282 | 250 | 184 | 179 | 185 | 187 | 237 | 287 |
| その他 | 152 | 135 | 212 | 209 | 119 | 154 | 109 | 105 | 150 | 62 | 116 |
| 受取補償金 | - | - | - | - | - | - | - | - | - | 57 | - |
| 助成金収入 | - | - | - | - | - | 767 | 363 | - | - | - | - |
| 受取和解金 | - | - | 199 | - | - | - | - | - | - | - | - |
| 営業外収益合計 | 781 | 716 | 965 | 724 | 451 | 1,177 | 700 | 342 | 387 | 386 | 446 |
| 営業外費用 | |||||||||||
| 支払利息 | 18 | 12 | 28 | 31 | 23 | 15 | 7 | 1 | 2 | 6 | 5 |
| 為替差損 | 34 | 27 | 84 | 25 | 931 | 26 | 17 | 130 | - | 13 | 230 |
| 違約金 | - | - | - | - | - | - | - | - | - | - | 63 |
| その他 | 15 | 53 | 100 | 13 | 27 | 7 | 13 | 12 | 16 | 7 | 27 |
| 保険解約損 | 16 | - | - | 55 | - | 11 | - | - | - | - | - |
| 投資事業組合運用損 | 12 | - | - | - | - | - | - | - | - | - | - |
| 営業外費用合計 | 97 | 92 | 213 | 126 | 983 | 60 | 38 | 144 | 19 | 28 | 326 |
| 経常利益 | 16,200 | -69,543 | 81,694 | 58,205 | 75,104 | 100,014 | 35,441 | 87,485 | 86,715 | 58,919 | 100,513 |
| 特別利益 | |||||||||||
| 固定資産売却益 | 8 | 9 | 38 | 384 | 0 | 40 | 25 | 1,117 | 258 | 159 | 490 |
| 投資有価証券売却益 | 105 | 180 | 25 | 3 | - | 28 | - | - | 0 | - | - |
| 関係会社株式売却益 | - | - | - | - | 9,875 | - | - | - | - | - | - |
| その他 | - | - | - | - | - | - | - | - | - | - | - |
| 特別利益合計 | 113 | 190 | 63 | 388 | 9,875 | 68 | 25 | 1,117 | 258 | 159 | 490 |
| 特別損失 | |||||||||||
| 固定資産売却損 | 3 | 2 | 10 | 259 | 0 | 52 | 53 | 67 | 0 | 10 | 0 |
| 固定資産除却損 | 74 | 141 | 149 | 191 | 230 | 177 | 164 | 205 | 234 | 425 | 250 |
| 投資有価証券売却損 | - | - | - | - | 1 | - | - | - | - | - | 0 |
| その他 | 0 | 0 | 2 | 1 | 2 | 0 | 2 | 3 | 1 | 1 | 6 |
| 減損損失 | - | - | - | - | - | - | - | - | - | - | - |
| 減損損失 | 6 | - | 426 | 2,800 | 2,370 | 555 | 1,520 | 3,523 | - | - | - |
| 合併関連費用 | - | - | - | - | 2,363 | - | - | - | - | - | - |
| 投資有価証券評価損 | 0 | - | 0 | 6 | - | - | - | - | - | - | - |
| 関係会社清算損 | 1,243 | - | - | - | - | - | - | - | - | - | - |
| 特別損失合計 | 1,329 | 144 | 589 | 3,259 | 4,969 | 785 | 1,740 | 3,799 | 236 | 437 | 257 |
| 税金等調整前当期純利益 | 14,985 | -69,497 | 81,168 | 55,334 | 80,011 | 99,297 | 33,726 | 84,803 | 86,736 | 58,641 | 100,746 |
| 法人税、住民税及び事業税 | 4,656 | 5,251 | 8,505 | 11,126 | 13,720 | 12,925 | 18,233 | 12,482 | 18,699 | 9,939 | 27,890 |
| 法人税等調整額 | -7,606 | -5,630 | -1,571 | 1,684 | 2,269 | 2,729 | -44,317 | 12,845 | 10,211 | 12,131 | -12,032 |
| 法人税等合計 | -2,950 | -378 | 6,934 | 12,810 | 15,990 | 15,654 | -26,084 | 25,327 | 28,910 | 22,070 | 15,858 |
| 当期純利益 | 17,935 | -69,118 | 74,233 | 42,523 | 64,020 | 83,643 | 59,810 | 59,476 | 57,825 | 36,571 | 84,888 |
| 非支配株主に帰属する当期純利益 | 3,337 | 3,069 | 3,661 | 4,742 | 4,419 | 4,778 | 4,132 | 4,549 | 4,734 | 4,446 | 5,253 |
| 親会社株主に帰属する当期純利益 | 14,598 | -72,187 | 70,572 | 37,781 | 59,600 | 78,864 | 55,678 | 54,926 | 53,091 | 32,124 | 79,635 |