v3.26.1
Consolidated Statements of Cash Flows - JPY (¥)
¥ in Millions
 12 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2024
Cash flows from (used in) operating activities      
Profit before tax ¥ 79,945 ¥ 34,961 ¥ 11
Adjustments for:      
Depreciation and amortization 25,482 21,391 18,591
Loss on disposal of property and equipment and intangible assets 1,338 696 1,495
Share-based payment expenses 1,847 0 0
Other income and costs (1,517) 618 (1,552)
Changes in assets and liabilities:      
Guarantee deposits 170,090 77,656 (39,594)
Call loans 22,986 53,083 (18,083)
Accounts receivable (9,327) (3,266) 50,350
Loans and advances to customers (585,244) (399,055) (311,125)
Securities (72,277) (31,256) (45,476)
Deposits 566,556 249,362 260,400
Accounts payable 173,856 145,558 130,744
Other financial assets (7,005) 1,890 (4,204)
Other financial liabilities 13,393 2,327 9,759
Provisions 6 (1,864) 4,438
Other 6,865 10,030 (1,913)
Cash provided by operations 386,994 162,131 53,841
Income tax paid (12,573) (6,870) (4,472)
Income tax refunded 876 588 606
Net cash provided by operating activities 375,297 155,849 49,975
Cash flows from (used in) investing activities      
Purchases of securities (779,962) (463,314) (437,408)
Proceeds from sales/redemption of securities 189,284 177,885 189,836
Purchases of property and equipment (6,369) (4,822) (4,584)
Purchases of intangible assets (17,823) (17,264) (17,911)
Proceeds from withdrawal of deposits with a related party 0 0 600,000
Payments of deposits with a related party 0 0 (600,000)
Payment for acquisition of subsidiaries 0 (5,759) 0
Purchase of investment accounted for using the equity method (11,655) (1,360) 0
Other (2,302) (5,343) (3,316)
Net cash used in investing activities (628,827) (319,977) (273,383)
Cash flows from (used in) financing activities      
Net increase (decrease) in short-term borrowings 199,982 (128,700) 30,000
Proceeds from long-term borrowings 722,600 842,300 595,100
Repayments of long-term borrowings (757,203) (917,898) (516,422)
Repayments of lease liabilities (2,744) (2,820) (2,409)
Proceeds from issuance of new common shares 217,522 0 3,444
Payments for the purchase of the equity interest of subsidiaries, through business combinations of entities under common control (130,185) 0 0
Dividends paid to non-controlling interests (2,909) (2,519) (1,604)
Dividends paid to the ultimate parent company (311) (283) (179)
Other 0 (405) 0
Net cash provided by (used in) financing activities 246,752 (210,325) 107,930
Effect of exchange rate changes on cash and cash equivalents 50 (59) 488
Decrease in cash and cash equivalents (6,728) (374,512) (114,990)
Cash and cash equivalents at the beginning of the year 369,811 744,323 859,313
Cash and cash equivalents at the end of the year ¥ 363,083 ¥ 369,811 ¥ 744,323