指標
自己資本比率
ネットキャッシュ比率
D/Eレシオ
負債・純資産の部
負債・純資産の部
利益剰余金
有利子負債・現金
資産の部
資産の部
流動資産
有形・無形固定資産
投資有価証券
のれん
貸借対照表
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 資産の部 | |||||||||||
| 流動資産 | |||||||||||
| 現金及び預金 | 178,792 | 198,498 | 194,241 | 323,415 | 210,280 | 315,176 | 218,189 | 219,845 | 479,360 | 216,805 | 154,579 |
| 受取手形及び売掛金 | 505 | 463 | 527 | 355 | 265 | 251 | 216 | 302 | 333 | 588 | 481 |
| 割賦売掛金 | 842,201 | 959,525 | 1,033,802 | 1,159,765 | 1,230,959 | 1,260,281 | 1,211,492 | 1,227,245 | 1,375,005 | 1,373,091 | 1,315,119 |
| 資産流動化受益債権 | 460,157 | 494,810 | 555,848 | 538,584 | 606,756 | 572,623 | 585,380 | 588,763 | 709,470 | 715,677 | 791,334 |
| リース債権及びリース投資資産 | - | - | - | - | - | - | - | - | 284,975 | 288,081 | 284,384 |
| 短期貸付金 | - | - | - | - | - | - | 190,221 | 120,351 | 188 | 55 | 312 |
| その他 | 105,805 | 89,779 | 149,613 | 95,191 | 182,554 | 155,323 | 97,438 | 93,054 | 126,227 | 125,544 | 130,888 |
| 貸倒引当金 | -144,192 | -137,970 | -139,829 | -146,729 | -147,125 | -141,654 | -128,517 | -122,783 | -133,860 | -135,216 | -134,747 |
| 信用保証割賦売掛金 | 3,123,649 | 3,047,722 | 2,906,113 | 2,731,464 | 2,632,394 | 2,504,051 | 1,281,664 | 1,257,772 | - | - | - |
| 販売用不動産 | 1,170 | 1,609 | 1,563 | 2,500 | 884 | 704 | 2,765 | - | - | - | - |
| 集金保証前渡金 | 342,422 | 407,174 | 464,746 | 518,034 | 563,996 | 579,348 | - | - | - | - | - |
| その他のたな卸資産 | 1,101 | 880 | 900 | - | - | - | - | - | - | - | - |
| 繰延税金資産 | 14,247 | 14,193 | 15,751 | - | - | - | - | - | - | - | - |
| 事業貸付金 | - | - | - | - | - | - | - | - | - | - | - |
| 流動資産合計 | 4,925,861 | 5,076,687 | 5,183,280 | 5,222,582 | 5,280,966 | 5,246,106 | 3,458,851 | 3,384,553 | 2,841,702 | 2,584,626 | 2,542,352 |
| 固定資産 | |||||||||||
| 有形固定資産 | |||||||||||
| 建物及び構築物 | 55,734 | 56,685 | 57,792 | 54,421 | 55,173 | 56,485 | 55,353 | 55,204 | 53,573 | 54,620 | 55,080 |
| 減価償却累計額 | -30,618 | -31,651 | -33,188 | -30,983 | -31,966 | -33,381 | -33,424 | -34,507 | -34,437 | -35,689 | -34,967 |
| 建物及び構築物（純額） | 25,116 | 25,033 | 24,604 | 23,438 | 23,206 | 23,104 | 21,928 | 20,697 | 19,135 | 18,930 | 20,113 |
| 機械装置及び運搬具 | 61 | 52 | 52 | 33 | 20 | 148 | 178 | 189 | 285 | 273 | 272 |
| 減価償却累計額 | -49 | -45 | -48 | -30 | -12 | -92 | -110 | -130 | -125 | -130 | -165 |
| 機械装置及び運搬具（純額） | 11 | 6 | 4 | 3 | 8 | 55 | 67 | 58 | 159 | 143 | 106 |
| 土地 | 74,976 | 73,422 | 73,455 | 72,975 | 67,302 | 67,179 | 63,046 | 62,215 | 59,982 | 60,127 | 57,720 |
| リース資産 | 4,272 | 5,695 | 5,642 | 5,082 | 3,701 | 3,548 | 3,280 | 3,018 | 1,783 | 1,678 | 1,531 |
| 減価償却累計額 | -997 | -1,436 | -1,799 | -2,127 | -1,747 | -2,021 | -1,940 | -2,030 | -994 | -947 | -927 |
| リース資産（純額） | 3,275 | 4,258 | 3,843 | 2,955 | 1,953 | 1,526 | 1,340 | 987 | 788 | 731 | 603 |
| 建設仮勘定 | 268 | - | 108 | 220 | 404 | 496 | - | 823 | 1,064 | 1,651 | 697 |
| その他 | 3,375 | 3,378 | 4,121 | 4,206 | 4,514 | 4,927 | 4,948 | 5,080 | 10,568 | 11,089 | 11,430 |
| 減価償却累計額 | -1,960 | -2,041 | -2,581 | -2,665 | -2,684 | -3,074 | -3,152 | -3,406 | -5,669 | -5,755 | -6,004 |
| その他（純額） | 1,415 | 1,336 | 1,539 | 1,540 | 1,829 | 1,853 | 1,796 | 1,673 | 4,898 | 5,333 | 5,425 |
| 有形固定資産合計 | 105,064 | 104,057 | 103,556 | 101,133 | 94,705 | 94,216 | 88,179 | 86,457 | 86,029 | 86,917 | 84,666 |
| 無形固定資産 | |||||||||||
| のれん | 94 | 32 | 2,361 | 2,106 | 1,853 | 1,606 | 1,359 | 1,112 | 3,338 | 4,247 | 3,521 |
| その他 | 96,167 | 117,327 | 140,701 | 139,227 | 131,519 | 122,138 | 108,976 | 96,679 | 90,445 | 83,837 | 80,252 |
| リース資産 | - | - | - | - | - | - | - | - | - | - | - |
| 無形固定資産合計 | 96,261 | 117,360 | 143,063 | 141,334 | 133,372 | 123,744 | 110,335 | 97,791 | 93,784 | 88,085 | 83,773 |
| 投資その他の資産 | |||||||||||
| 投資有価証券 | 8,610 | 11,558 | 11,579 | 12,291 | 14,009 | 15,554 | 17,383 | 28,057 | 24,938 | 21,921 | 26,761 |
| 長期貸付金 | - | 2,400 | 8,400 | 13,071 | 13,458 | 11,770 | 15,602 | 11,570 | 11,489 | 10,601 | 8,205 |
| 従業員に対する長期貸付金 | 25 | 17 | 12 | 12 | 14 | 13 | 9 | 11 | 10 | 9 | 7 |
| 退職給付に係る資産 | 1,909 | 1,732 | 7,276 | 4,062 | 1,286 | 16,428 | 12,868 | 12,433 | 21,223 | 23,681 | 32,505 |
| 繰延税金資産 | - | - | - | - | 34,509 | 29,754 | 34,921 | 35,374 | 36,987 | 33,359 | 33,473 |
| その他 | 9,890 | 10,814 | 12,426 | 12,388 | 11,781 | 10,872 | 13,104 | 13,101 | 30,806 | 31,802 | 32,072 |
| 繰延税金資産 | 4,892 | 3,800 | 4,945 | 35,358 | - | - | - | - | - | - | - |
| 投資その他の資産合計 | 25,328 | 30,323 | 44,640 | 77,185 | 75,060 | 84,394 | 93,890 | 100,549 | 125,455 | 121,376 | 133,027 |
| 固定資産合計 | 226,655 | 251,742 | 291,259 | 319,653 | 303,138 | 302,355 | 292,404 | 284,798 | 305,268 | 296,379 | 301,468 |
| 繰延資産 | |||||||||||
| 社債発行費 | 383 | 628 | 801 | 704 | 673 | 758 | 792 | 676 | 672 | 691 | 660 |
| 繰延資産合計 | 383 | 628 | 801 | 704 | 673 | 758 | 792 | 676 | 672 | 691 | 660 |
| 資産合計 | 5,152,900 | 5,329,058 | 5,475,341 | 5,542,940 | 5,584,777 | 5,549,220 | 3,752,049 | 3,670,029 | 3,147,643 | 2,881,698 | 2,844,481 |
| 負債の部 | |||||||||||
| 流動負債 | |||||||||||
| 支払手形及び買掛金 | 458,081 | 521,760 | 598,568 | 665,325 | 689,481 | 700,369 | 133,807 | 122,725 | 187,598 | 168,282 | 161,882 |
| 短期借入金 | 42,130 | 47,736 | 50,905 | 61,176 | 67,140 | 92,774 | 95,652 | 126,165 | 509,609 | 193,396 | 172,142 |
| １年内償還予定の社債 | - | - | 15,000 | 30,000 | 25,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 35,000 |
| １年内返済予定の長期借入金 | 315,251 | 269,266 | 275,573 | 346,693 | 345,831 | 375,539 | 433,845 | 371,625 | 389,926 | 400,720 | 383,677 |
| １年内返済予定の債権流動化借入金 | - | - | - | - | - | - | - | - | - | 19,351 | 16,249 |
| コマーシャル・ペーパー | - | - | - | - | - | - | 277,300 | 206,500 | 367,500 | 310,700 | 316,600 |
| リース債務 | 730 | 1,114 | 1,005 | 774 | 455 | 345 | 354 | 372 | 366 | 368 | 320 |
| 未払法人税等 | 5,039 | 3,588 | 2,401 | 1,065 | 1,872 | 1,893 | 2,369 | 2,575 | 2,420 | 4,095 | 2,492 |
| 預り金 | - | - | - | - | - | - | - | 183,584 | 201,911 | 201,715 | 227,040 |
| 賞与引当金 | 3,431 | 3,936 | 4,100 | 4,088 | 4,040 | 3,971 | 3,886 | 4,053 | 4,317 | 4,247 | 5,030 |
| 役員賞与引当金 | - | - | 41 | 43 | 71 | 60 | 78 | 122 | 129 | 164 | 169 |
| 株式給付引当金 | - | - | - | - | - | - | - | - | - | - | 182 |
| ポイント引当金 | - | 789 | 1,106 | 1,413 | 2,564 | 3,546 | 1,796 | 2,861 | 2,485 | 1,635 | 1,623 |
| 債務保証損失引当金 | - | - | - | - | - | - | 1,445 | 1,374 | 2,798 | 2,809 | 3,105 |
| 割賦利益繰延 | 17,482 | 17,734 | 15,648 | 18,728 | 19,777 | 22,235 | 62,561 | 67,255 | 70,875 | 68,049 | 61,005 |
| その他 | 318,519 | 312,403 | 372,841 | 429,813 | 489,362 | 494,102 | 199,025 | 22,340 | 32,468 | 30,029 | 30,964 |
| 役員株式給付引当金 | - | - | - | - | - | - | - | - | - | 97 | - |
| 信用保証買掛金 | 3,123,649 | 3,047,722 | 2,906,113 | 2,731,464 | 2,632,394 | 2,504,051 | 1,281,664 | 1,257,772 | - | - | - |
| 流動負債合計 | 4,284,316 | 4,226,052 | 4,243,304 | 4,290,586 | 4,277,990 | 4,238,888 | 2,533,789 | 2,409,329 | 1,812,406 | 1,445,661 | 1,417,487 |
| 固定負債 | |||||||||||
| 社債 | 80,015 | 150,000 | 195,000 | 185,000 | 190,000 | 200,000 | 205,000 | 185,000 | 195,000 | 210,000 | 215,000 |
| 長期借入金 | 473,369 | 604,819 | 732,079 | 769,150 | 826,481 | 813,870 | 753,106 | 808,218 | 856,164 | 863,482 | 868,143 |
| 債権流動化借入金 | - | 2,400 | 8,400 | 13,071 | 13,458 | 11,770 | 15,602 | 11,570 | 11,489 | 94,334 | 66,825 |
| リース債務 | 1,453 | 1,901 | 1,305 | 685 | 564 | 595 | 759 | 748 | 602 | 517 | 410 |
| 役員退職慰労引当金 | 31 | 34 | 36 | 26 | 24 | 29 | 25 | 32 | 24 | 32 | 42 |
| 株式給付引当金 | - | - | - | - | - | - | - | - | - | - | 117 |
| ポイント引当金 | 3,647 | 3,632 | 3,710 | 3,733 | 3,758 | 3,370 | 3,387 | 3,444 | 3,390 | 3,407 | 3,387 |
| 利息返還損失引当金 | 23,677 | 25,547 | 25,120 | 17,741 | 13,733 | 12,558 | 16,147 | 14,614 | 12,759 | 9,569 | 6,346 |
| 退職給付に係る負債 | 6,926 | 5,921 | 1,711 | 1,551 | 1,914 | 440 | 577 | 636 | 754 | 880 | 958 |
| その他 | 5,438 | 4,840 | 5,232 | 4,841 | 5,119 | 5,418 | 6,587 | 6,394 | 8,951 | 7,184 | 8,573 |
| 役員株式給付引当金 | - | - | - | - | 162 | 172 | 229 | 264 | 416 | 69 | - |
| 役員株式給付引当金 | - | - | 35 | 84 | - | - | - | - | - | - | - |
| 固定負債合計 | 594,559 | 799,097 | 972,631 | 995,885 | 1,055,217 | 1,048,225 | 1,001,422 | 1,030,924 | 1,089,553 | 1,189,477 | 1,169,805 |
| 負債合計 | 4,878,876 | 5,025,149 | 5,215,936 | 5,286,471 | 5,333,207 | 5,287,114 | 3,535,211 | 3,440,253 | 2,901,959 | 2,635,138 | 2,587,293 |
| 純資産の部 | |||||||||||
| 株主資本 | |||||||||||
| 資本金 | 150,015 | 150,028 | 150,040 | 150,044 | 150,051 | 150,067 | 150,069 | 150,075 | 150,075 | 150,075 | 150,079 |
| 資本剰余金 | 859 | 872 | 893 | 896 | 904 | 924 | 926 | 932 | 932 | 932 | 741 |
| 利益剰余金 | 118,516 | 147,206 | 96,573 | 99,065 | 98,826 | 94,310 | 53,267 | 67,146 | 72,843 | 79,912 | 85,406 |
| 自己株式 | -15 | -14 | -284 | -280 | -268 | -375 | -353 | -502 | -498 | -794 | -789 |
| 株主資本合計 | 269,377 | 298,092 | 247,223 | 249,726 | 249,513 | 244,926 | 203,909 | 217,652 | 223,353 | 230,126 | 235,437 |
| その他の包括利益累計額 | |||||||||||
| その他有価証券評価差額金 | 596 | 2,338 | 1,840 | 1,714 | 1,400 | 1,750 | 1,854 | 1,850 | 1,175 | 469 | 1,488 |
| 繰延ヘッジ損益 | -410 | -272 | -184 | -196 | -143 | -266 | -193 | 260 | -179 | -553 | -479 |
| 為替換算調整勘定 | -60 | -53 | 18 | 57 | 48 | 160 | 430 | 700 | 1,110 | 1,083 | 462 |
| 退職給付に係る調整累計額 | 4,400 | 3,685 | 10,253 | 4,906 | 492 | 13,516 | 8,519 | 6,700 | 12,745 | 8,202 | 13,556 |
| その他の包括利益累計額合計 | 4,526 | 5,698 | 11,929 | 6,482 | 1,797 | 15,160 | 10,610 | 9,512 | 14,851 | 9,201 | 15,027 |
| 新株予約権 | 98 | 96 | 76 | 70 | 55 | 25 | 20 | 8 | 8 | 7 | - |
| 非支配株主持分 | 21 | 21 | 176 | 189 | 202 | 1,994 | 2,296 | 2,601 | 7,469 | 7,223 | 6,722 |
| 純資産合計 | 274,023 | 303,908 | 259,405 | 256,468 | 251,569 | 262,105 | 216,837 | 229,775 | 245,683 | 246,559 | 257,188 |
| 負債純資産合計 | 5,152,900 | 5,329,058 | 5,475,341 | 5,542,940 | 5,584,777 | 5,549,220 | 3,752,049 | 3,670,029 | 3,147,643 | 2,881,698 | 2,844,481 |