Company profile

unbanked inc.

EDINET
E03717
Securities
8746
Industry
Securities & Commodity Futures
Latest annual securities report
2026-06-30 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-09-30 Extraordinary Report PDF HTML
Compare this company

Industry position

Securities & Commodity Futures

View details
Profitability Weak Current Bottom 4% 5-year trend Broadly stable
Financial strength Weak Based on Equity ratio Current Bottom 25% 5-year trend Deteriorating
Growth Average Current Top 47% 5-year trend Deteriorating

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥9.39 billion, down 1.0% year over year. Operating income moved into a loss of -¥2.79 billion. Operating margin was -29.7%. Net income moved into a loss of -¥3.81 billion. ROE was -115.4%; equity ratio was 11.3%; free cash flow was -¥4.29 billion.

Revenue ¥9.39B down 1.0% year over year
Operating income -¥2.79B down 1591.3% year over year
Net income -¥3.81B down 1708.5% year over year
Total assets¥26.88B
Total equity—
Operating cash flow-¥4.04B
Free cash flow-¥4.29B

Industry position details

Securities & Commodity Futures

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Weak

Operating margin Bottom 100% / ROE Bottom 100%

Financial strength Weak
Based on Equity ratio

Equity ratio Bottom 79%

Growth Average

Revenue growth Bottom 89% / 3-year revenue CAGR Top 12%

Profitability Industry position history Broadly stable
2026 Bottom 4% 2025 Bottom 16% 2024 Bottom 34% 2023 Bottom 17% 2022 Bottom 9%
Financial strength Industry position history Deteriorating
2026 Bottom 25% 2025 Top 13% 2024 Top 0% 2023 Top 44% 2022 Top 41%
Growth Industry position history Deteriorating
2026 Top 47% 2025 Top 11% 2024 Top 38% 2023 Bottom 38% 2022 Top 0%
Profitability Operating margin -29.7% Industry median 19.6% Bottom 100% Comparison sample 25
Profitability ROE -115.4% Industry median 9.2% Bottom 100% Comparison sample 28
Financial strength Equity ratio 11.3% Industry median 35.4% Bottom 79% Comparison sample 28
Growth Revenue growth -1.0% Industry median +15.5% Bottom 89% Comparison sample 26
Growth 3-year revenue CAGR +26.5% Industry median +15.7% Top 12% Comparison sample 26

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated Japanese GAAP 9394000000 -2792000000 -2827000000 -3808000000 -3808000000 -3917000000 26883000000 23582000000 3300000000 3024000000 3300000000 -4041000000 -246000000 375000000 -4287000000 2059000000 -322.88 224.64 13570982 0.1227541569 0.113 -1.1539393939 -0.1416508574 -0.2972109857 -0.3009367681 -0.4053651267 -0.4301681925 -0.4563551203 -0.0100867043 -15.9128569979 -10.1706810699 -17.084749056 2.6366489476 -0.4262956851 -54.8257121543 -1.256021714 135.5532831001 -5.8251488514 -0.3722851868 -14.6639864579 0.3539146052 2.875 31
FY2025 Consolidated Japanese GAAP 9489720000 187221000 308265000 236746000 236746000 25136000 7392245000 1640152000 5752092000 5514940000 5752092000 -72386000 960856000 -2787000 888470000 3280152000 23.63 12.0 283.560 2842267629.840 552.41 10023514 0.7781251839 0.749 0.0411582429 0.0320262654 0.0197288223 0.0324840986 0.0249476275 -0.0076278331 0.0936244694 0.7869975428 2.2514103524 5.7798231723 -0.3944030901 0.2688009576 0.0327801919 0.928264853 0.9615150637 -1.0348375 2.7111661938 0.3706208499 0.794229309 -0.6666666778 -0.2 8
FY2024 Consolidated Japanese GAAP 5310427000 -149608000 45468000 390930000 390930000 715617000 5826166000 256644000 5569522000 5280981000 5569522000 -1009073000 489854000 80000000 -519219000 2393187000 13.17 16.9 222.573 6692890967.139 185.21 30070543 0.9559497618 0.956 0.0701909428 0.067099015 -0.0281724991 0.0085620234 0.0736155492 -0.1900172999 -0.0977734935 0.1450596267 0.3856060451 1.0869221108 2.057104691 -0.3828383964 0.1966254415 -27.1113468754 0.3516793413 3201.0 -2.2946522744 -0.1269239553 2.002283105 0.0395245901 -0.7674418605 10
FY2023 Consolidated Japanese GAAP 4637686000 -243505000 -523089000 -369812000 -369812000 -318978000 9440260000 4785902000 4654357000 4687044000 4654357000 38645000 362404000 -25000 401049000 2741098000 -13.14 165.29 28927207 0.4930327131 0.493 -0.0794550139 -0.0391739211 -0.0525057108 -0.1127909479 -0.0797406293 0.0083328194 0.0864761004 -0.0999833297 0.5851555166 -0.0017561263 0.7834016551 -0.0590780076 -0.0642089593 1.0755124372 1.8979775905 -1.0000182952 1.4381382818 0.1713728589 0.838316722 0.0 -0.1041666667 43
FY2022 Consolidated Japanese GAAP 5152889000 -586979000 -522172000 -1707363000 -1707363000 -1894704000 10032989000 5059275000 4973714000 5056856000 4973714000 -511770000 -403578000 1366481000 -915348000 2340073000 -81.27 176.64 28927207 0.4957360165 0.495 -0.3432772773 -0.17017491 -0.1139126032 -0.1013357749 -0.3313409235 -0.0993171015 -0.1776378261 5.2088311169 0.5713751609 0.6191158374 -0.7139875619 0.0275628442 -0.095984552 0.7678667573 -3.0636936813 18.2546372877 0.5443939957 0.2388286552 -0.3506730929 0.440798364 -0.3424657534 48
FY2021 Consolidated Japanese GAAP 829929000 -1369447000 -1370947000 -996135000 -996135000 -902228000 9763869000 4262067000 5501802000 5401063000 5501802000 -2204639000 195561000 -79195000 -2009078000 1888940000 -60.17 285.25 20077207 0.5634858477 0.563 -0.181056134 -0.1020225691 -1.6500772958 -1.6518846793 -1.2002653239 -2.6564188021 -2.4207829826 0.2372558629 73
FY2020 Standalone Japanese GAAP 4626312000 1106431000 1129109000 737878000 19641898000 13740611000 5901287000 5894454000 5901287000 1358802000 112698000 25265000 1471500000 3977215000 47.92 3.6 172.512 382.28 5.0 0.3004438268 0.3 0.1250367928 0.0375665325 0.2391604803 0.2440624411 0.1594959441 0.2937117082 0.3180719329 0.1043405676 0.3075514909 15.6465711792 9.4046166605 9.1131822044 0.0690329344 0.1493811153 51.0424262512 9.1832474925 4.2287539936 92.4770607982 0.60327224 9.0041753653 -0.0503875969 0.0177415068 245 4782692
FY2019 Standalone Japanese GAAP 3538149000 66466000 108520000 72962000 18373520000 13239202000 5134317000 5127511000 5134317000 -27153000 11067000 -7825000 -16086000 2480686000 4.79 32.6 156.154 336.74 0.2794411196 0.279 0.0142106535 0.0039710409 0.0187855288 0.0306714047 0.0206215171 -0.0076743518 -0.004546445 -0.1317161553 -0.8110644927 -0.724010946 -0.7902474644 -0.2052745129 0.0136600721 -5.4578886882 -0.2641133054 0.5231856681 -1.7612872693 -0.0093403752 -0.790004384 -0.0979020979 258 4699319
FY2018 Standalone Japanese GAAP 4074876000 351792000 393204000 347848000 23119329000 18054202000 5065127000 5054549000 5065127000 6091000 15039000 -16411000 21130000 2504075000 22.81 9.0 205.290 332.2 0.219086246 0.219 0.0686750796 0.0150457654 0.0863319522 0.0964947154 0.08536407 0.0014947694 0.0051854339 0.0126433928 2.2162843363 2.4086214494 1.5545347445 -0.0146480736 0.074099788 -0.9285580239 1.5258759354 0.957039267 -0.6270737734 0.0016255928 1.5577017115 -0.1306990881 286
FY2017 Standalone Japanese GAAP 4023999000 -289235000 -279141000 -627279000 23463017000 18747321000 4715695000 4706700000 4715695000 85258000 -28598000 -382000000 56660000 2500011000 -40.9 309.28 0.2009841701 0.201 -0.1330194171 -0.0267347971 -0.071877503 -0.069369053 -0.1558844821 0.021187381 0.0140805204 -0.1763869001 0.7400053035 0.7176189599 0.293031512 -0.0830129274 -0.1736954987 1.093434551 -5.4121076233 -0.1876410712 1.0617918772 -0.1151672061 0.2884481559 -0.1628498728 329

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Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp