Company profile

Bank of Innovation, Inc.

EDINET
E34116
Securities
4393
Industry
Information & Communication
Latest annual securities report
2025-12-25 Annual Securities Report PDF HTML
Latest financial report
2026-05-15 Semiannual Securities Report PDF HTML
Latest filing
—
Compare this company

Industry position

Information & Communication

View details
Profitability Strong Current Top 19% 5-year trend Improving
Financial strength Strong Based on Equity ratio Current Top 27% 5-year trend Improving
Growth Above average Current Top 45% 5-year trend Improving
Cash generation Strong Current Top 12% 5-year trend Improving

Latest half-year results

H1 FY2026

2025/10/01 - 2026/03/31

Consolidated · Japanese GAAP · Cumulative YTD

For H1 FY2026, revenue was ¥6.17 billion, down 6.3% year over year. Operating income was ¥1.15 billion, up 13.4% year over year. Net income was ¥827 million, up 74.1% year over year.

Revenue ¥6.17B down 6.3% year over year
Operating income ¥1.15B up 13.4% year over year
Net income ¥827M up 74.1% year over year
Operating cash flow ¥520M
Free cash flow ¥416M
Total assets ¥8.31B

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

FY2025

Consolidated Japanese GAAP

Revenue reached ¥12.37 billion, down 9.2% year over year. Operating income was ¥2.15 billion, up 62.1% year over year. Operating margin was 17.4%. Net income was ¥1.35 billion, up 50.9% year over year. ROE was 23.2%; equity ratio was 73.2%; free cash flow was ¥2.99 billion.

Revenue ¥12.37B down 9.2% year over year
Operating income ¥2.15B up 62.1% year over year
Net income ¥1.35B up 50.9% year over year
Total assets¥7.94B
Total equity—
Operating cash flow¥2.87B
Free cash flow¥2.99B

Industry position details

Information & Communication

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Strong

Operating margin Top 23% / ROE Top 16%

Financial strength Strong
Based on Equity ratio

Equity ratio Top 28%

Growth Above average

Revenue growth Bottom 90% / 3-year revenue CAGR Top 2%

Cash generation Strong

Operating cash flow margin Top 18% / Free cash flow margin Top 7%

Profitability Industry position history Improving
2025 Top 18% 2024 Top 30% 2023 Top 6% 2022 Bottom 2% 2021 Bottom 3%
Financial strength Industry position history Improving
2025 Top 30% 2024 Top 23% 2023 Bottom 21% 2022 Bottom 3% 2021 Bottom 7%
Growth Industry position history Improving
2025 Top 46% 2024 Bottom 50% 2023 Top 1% 2022 Top 35% 2021 Bottom 5%
Cash generation Industry position history Improving
2025 Top 11% 2024 Bottom 11% 2023 Top 9% 2022 Bottom 4% 2021 Bottom 5%
Profitability Operating margin 17.4% Industry median 8.5% Top 23% Comparison sample 262
Profitability ROE 23.2% Industry median 11.1% Top 16% Comparison sample 262
Financial strength Equity ratio 73.2% Industry median 60.4% Top 28% Comparison sample 262
Growth Revenue growth -9.2% Industry median +10.0% Bottom 90% Comparison sample 245
Growth 3-year revenue CAGR +72.0% Industry median +9.3% Top 2% Comparison sample 196
Cash generation Operating cash flow margin 23.2% Industry median 9.2% Top 18% Comparison sample 262
Cash generation Free cash flow margin 24.2% Industry median 3.8% Top 7% Comparison sample 262

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
FY2025 Consolidated Japanese GAAP 12366000000 2154000000 2185000000 1351000000 1351000000 1351000000 7943000000 2127000000 5816000000 5816000000 5816000000 2867000000 123000000 -188000000 2990000000 5212000000 339.99 23.8 8091.762 32391323286.000 1463.51 4003000 0.7322170465 0.732 0.2322902338 0.1700868689 0.1741872877 0.1766941614 0.1092511726 0.2318453825 0.2417920104 -0.0917370547 0.6207674944 0.6042584435 0.5094972067 0.369010686 0.302283923 2.6707459207 1.2873831776 0.5930735931 2.3945895522 1.1635533416 0.5138251926 0.0 0.2412060302 247
FY2024 Consolidated Japanese GAAP 13615000000 1329000000 1362000000 895000000 895000000 895000000 5802000000 1336000000 4466000000 4466000000 4466000000 -1716000000 -428000000 -462000000 -2144000000 2409000000 224.59 23.4 5255.406 21037390218.000 1123.86 4003000 0.7697345743 0.77 0.2004030452 0.1542571527 0.0976129269 0.1000367242 0.0657363202 -0.1260374587 -0.157473375 -0.3617869029 -0.7287755102 -0.7231707317 -0.7282113574 -0.2830841468 0.2142468733 -1.3292402149 -0.5395683453 0.3748308525 -1.4345358735 -0.5198325693 -0.7271379801 0.0 0.1845238095 199
FY2023 Consolidated Japanese GAAP 21333000000 4900000000 4920000000 3293000000 3293000000 3293000000 8093000000 4415000000 3678000000 3678000000 3678000000 5212000000 -278000000 -739000000 4934000000 5017000000 823.09 6.7 5514.703 22075356109.000 918.93 4003000 0.4544668232 0.454 0.8953235454 0.4068948474 0.2296910889 0.2306286036 0.1543617869 0.2443163174 0.2312848638 7.7831581409 5.8593659817 5.8431060059 4.9274665038 2.9673727345 8.2105658563 6.3495146229 -3.8850444691 -3.1163505982 6.6200060369 5.0987469427 4.7763351074 0.0010002501 -0.0117647059 168
FY2022 Consolidated Japanese GAAP 2428853000 -1008362000 -1015877000 -838454000 -838454000 -838454000 2039889000 1640564000 399324000 382092000 399324000 -974294000 96359000 349186000 -877935000 822628000 -217.96 95.54 3999000 0.1957577103 0.187 -2.0996834651 -0.4110292276 -0.4151597482 -0.4182538013 -0.3452057411 -0.4011333745 -0.3614607389 0.1407253743 -0.2486109856 -0.2667790612 -0.548142773 -0.1739082543 -0.4471394335 -0.3349583671 2.4724111058 5.6610336911 -0.1039402772 -0.3912645815 -0.5427519819 0.0121488231 -0.0810810811 170
FY2021 Consolidated Japanese GAAP 2129218000 -807587000 -801937000 -541587000 -541587000 -541587000 2469325000 1747038000 722287000 722287000 722287000 -729831000 -65443000 -74916000 -795274000 1351372000 -141.28 188.13 3951000 0.2925038219 0.292 -0.749822439 -0.2193259292 -0.3792880767 -0.3766345203 -0.2543595818 -0.342769505 -0.3735052024 -0.3045005542 -12.4079393014 -10.4065429201 -6.2617288586 -0.2243573756 -0.4253347368 -1.9601503942 -4.4300531032 -1.2176803543 -2.0752579233 -0.3916739442 -6.3050672182 0.0 0.0109289617 185
FY2020 Consolidated Japanese GAAP 3061423000 -60232000 -70305000 -74581000 -74581000 -74581000 3183586000 1926703000 1256883000 1256883000 1256883000 -246552000 -12052000 344156000 -258604000 2221460000 -19.34 327.97 3951000 0.39480102 0.395 -0.0593380609 -0.023426727 -0.0196745108 -0.0229648108 -0.0243615469 -0.0805350976 -0.084471829 0.0068807339 183
FY2019 Standalone Japanese GAAP 4295187000 526548000 515320000 373911000 3149703000 1745606000 1404097000 1404097000 1404097000 461906000 -116451000 -55235000 345455000 2135907000 96.1 32.3 3104.03 363.25 0.4457871107 0.446 0.2662999779 0.1187130977 0.1225902388 0.11997615 0.0870534857 0.1075403702 0.0804283958 -0.1498509087 -0.0018160931 0.0123329706 0.0293716035 0.1203265971 0.2616310936 0.0351878621 -2.3709943552 -1.1855621962 -0.1608244668 0.1572391277 -0.0388077616 0.1773049645 166 4948000
FY2018 Standalone Japanese GAAP 5052275000 527506000 509042000 363242000 2811415000 1698493000 1112922000 1112922000 1112922000 446205000 -34545000 297663000 411660000 1845692000 99.98 19.56 1955.6088 285.66 0.3958583133 0.396 0.3263858563 0.1292025546 0.1044095977 0.1007550064 0.0718967198 0.0883176391 0.0814801253 141

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