Company profile

Shinkin Central Bank

EDINET
E03729
Securities
8421
Industry
Other Financing Business
Latest annual securities report
2026-07-21 Amended Annual Securities Report PDF HTML
Latest financial report
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Latest filing
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Industry position

Other Financing Business

View details
Profitability Weak Based on ROE Current Bottom 9% 5-year trend Broadly stable
Financial strength Weak Based on Equity ratio Current Bottom 9% 5-year trend Broadly stable

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

Net income was ¥43.01 billion, up 1.3% year over year. ROE was 2.6%; equity ratio was 3.4%; free cash flow was -¥6.1 trillion.

Revenue —
Operating income —
Net income ¥43.01B up 1.3% year over year
Total assets¥46.87T
Total equity—
Operating cash flow-¥5.27T
Free cash flow-¥6.1T

Industry position details

Other Financing Business

Annual data for the same fiscal year and industry

FY2026 Comparison sample 35

Profitability Weak
Based on ROE

ROE Bottom 95%

Financial strength Weak
Based on Equity ratio

Equity ratio Bottom 95%

Profitability Industry position history Broadly stable
2026 Bottom 9% 2025 Bottom 12% 2024 Bottom 10% 2023 Bottom 11% 2022 Bottom 9%
Financial strength Industry position history Broadly stable
2026 Bottom 9% 2025 Bottom 7% 2024 Bottom 8% 2023 Bottom 9% 2022 Bottom 9%
Profitability ROE 2.6% Industry median 9.5% Bottom 95%
Financial strength Equity ratio 3.4% Industry median 18.4% Bottom 95%

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 56156000000 43006000000 43006000000 148016000000 46866489000000 45228771000000 1637718000000 1637718000000 -5269014000000 -831575000000 -22737000000 -6100589000000 12227841000000 4694.61 42.34 198769.7874 1590158299200.0000 258011.0 8000000 0.0349443288 0.034 0.0262597102 0.0009176279 -0.0414611249 0.0131216283 -0.0284500547 0.0828331475 -14.1909363562 0.3463611754 -0.1545140652 -5.9898199092 -0.3336750555 0.0138013691 0.0 0.0243767313 1849
FY2025 Consolidated Japanese GAAP 58585000000 42449000000 42449000000 -25934000000 48238888000000 46726449000000 1512438000000 1512438000000 399442000000 -1272224000000 -19694000000 -872782000000 18351168000000 4630.7 45.54 210882.078 1687056624000.000 231530.45 8000000 0.0313530859 0.031 0.028066605 0.0008799747 0.3245534705 0.3205475191 0.0129448262 -0.0292862699 -0.871580144 0.4224099967 -2.1033671354 -1.9614296604 -0.0463777522 0.0372665103 0.0 0.0186230248 1805
FY2024 Consolidated Japanese GAAP 44230000000 32145000000 32145000000 32577000000 47622424000000 46064355000000 1558068000000 1558068000000 3110438000000 -2202642000000 17849000000 907796000000 19243645000000 4464.33 60.05 268083.0165 2144664132000.0000 242006.77 8000000 0.0327171082 0.032 0.0206313203 0.0006749971 0.2276903434 0.2259257847 0.0331289721 0.1582770823 19.0908837112 -1.9582941593 1.9074224708 -0.5731170726 0.0505320477 0.2427878258 0.3333333333 0.0125714286 1772
FY2023 Consolidated Japanese GAAP 36027000000 26221000000 26221000000 -231498000000 46095333000000 44750172000000 1345160000000 1345160000000 -171934000000 2298503000000 -19670000000 2126569000000 18317999000000 3592.19 76.24 273868.5656 1643211393600.0000 239364.73 6000000 0.02918213 0.028 0.0194928484 0.0005688428 -0.2521484618 -0.2704635246 0.0492476576 -0.1573416257 -1.560410691 0.606053174 0.0 0.2236076987 0.1299665822 -0.2874321341 0.0 0.0022909507 1750
FY2022 Consolidated Japanese GAAP 48174000000 35942000000 35942000000 -110723000000 43931795000000 42335466000000 1596329000000 1596329000000 306800000000 1431150000000 -19670000000 1737950000000 16211098000000 5041.19 48.77 245858.8363 1475153017800.0000 292802.41 6000000 0.0363365303 0.036 0.0225154088 0.0008181318 0.106100613 0.1356440962 0.0020132276 -0.0758353543 -0.8730486611 2.3872464251 0.0033946395 0.2548139891 0.1185608705 0.1453787832 0.0 0.0258519389 1746
FY2021 Consolidated Japanese GAAP 43553000000 31649000000 31649000000 196771000000 43843528000000 42116207000000 1727321000000 1727321000000 2416674000000 -1031648000000 -19737000000 1385026000000 14492817000000 4401.33 54.02 237759.8466 1426559079600.0000 320620.85 6000000 0.0393973998 0.039 0.0183225932 0.0007218625 -0.2320184797 -0.2132398638 0.0728057407 0.1141943395 6.2628627413 -25.2907237513 -0.0034062023 3.7189339839 0.1040020714 -0.2251152293 0.0 0.0191616766 1702
FY2020 Consolidated Japanese GAAP 56711000000 40227000000 40227000000 -90508000000 40868096000000 39317809000000 1550287000000 1550287000000 332744000000 -39240000000 -19670000000 293504000000 13127527000000 5679.98 39.98 227085.6004 1362513602400.0000 283111.71 6000000 0.0379339179 0.037 0.0259480986 0.000984313 -0.106237786 -0.1016949153 0.0295948883 -0.0663537021 -0.58032069 -1.0749150905 0.9202546015 -0.7770820707 0.0213039163 -0.1067654889 0.0 0.0264290104 1670
FY2019 Consolidated Japanese GAAP 63452000000 44781000000 44781000000 53530000000 39693375000000 38032909000000 1660465000000 1660465000000 792853000000 523793000000 -246660000000 1316646000000 12853693000000 6358.89 37.6 239094.264 1434565584000.000 306594.84 6000000 0.0418322957 0.041 0.0269689515 0.0011281732 0.0427608874 0.0070840642 0.0232770185 0.0208163629 -0.6882995929 3.7224026902 -0.0457455378 -0.4400198704 0.0908022485 0.0074510525 -0.0006142506 1627
FY2018 Consolidated Japanese GAAP 60850000000 44466000000 44466000000 20433000000 38790449000000 37163843000000 1626605000000 1626605000000 2543638000000 -192401000000 -235870000000 2351237000000 11783706000000 6311.86 37.04 233791.2944 299587.63 0.0419331315 0.041 0.0273366921 0.0011463131 0.1515897048 0.01356249 0.0353895744 0.0004692953 1.1970130535 -1.3828509913 -0.86706456 0.4161356944 0.2187930917 0.0142466898 0.0118085768 1628
FY2017 Consolidated Japanese GAAP 52840000000 43871000000 43871000000 11056000000 37464593000000 35838750000000 1625842000000 1625842000000 1157771000000 502548000000 -126332000000 1660319000000 9668340000000 6223.2 37.69 234552.408 299542.84 0.0433967613 0.043 0.0269835568 0.001170999 -0.1218944744 0.0254786003 0.0675831197 -0.0043644429 -0.0040936578 -0.6013880682 -2.5614277945 -0.3148449928 0.1885813168 -0.125428102 0.0138626339 1609

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