# Jimoto Holdings,Inc.: business model and financials

> Latest period: FY ending Mar 2026, consolidated, J-GAAP
> Unit: JPY millions
> Sources: 有価証券報告書－第14期(2025/04/01－2026/03/31) (S100YDEF)
> Page: https://vizora.meequs.com/en/company/jimoto-holdings
> Retrieved: 2026-09-30T21:08:26.640Z

## Company

Jimoto Holdings, founded in 2012, is a company in Regional Banks listed on TSE Standard. It has 1,380 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | Jimoto Holdings,Inc. |
| Ticker | 7161 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/7161.T) |
| Listing | TSE Standard |
| Head office | 仙台市青葉区一番町二丁目1番1号 |
| Representative (per filing) | 代表取締役社長 坂爪 敏雄 |
| Founded | Jun 2012 |
| Employees (consolidated) | 1,380 |
| Average salary (parent only) | ¥7M |
| Fiscal year end | March |
| Website | www.jimoto-hd.co.jp (https://www.jimoto-hd.co.jp/) |
| Corporate number | 9370001022386 |
| EDINET | E26686 |
| Industries (Vizora) | Regional Banks, Credit Cards & Consumer Credit, Leasing |

> Profile source: annual securities report (S100YDEF, filed 2026-06-18). As of filing

## Key points (generated from figures)

- About 85% of Jimoto Holdings's ordinary revenue comes from Banking, with Leasing and Other making up much of the rest.
- Out of every ¥100 of ordinary revenue, about ¥7 is left as ordinary profit.
- Ordinary revenue changed +15.2% from the prior year, ordinary profit +48.3%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥44.1B |  |
| Ordinary income | ¥3.16B | Margin 7.2% |
| Net income | ¥2.58B | Margin 5.9% |
| Employees (consolidated) | 1,380 |  |
| EPS | ¥-1.97 |  |
| Diluted EPS | ¥12.89 |  |
| Book value per share | ¥1491.73 |  |
| Equity ratio | 3.5% |  |
| Shares outstanding | 26,840,000 |  |
| Treasury shares | 56,600 |  |
| Shareholders | 10,958 |  |
| Average salary (parent only) | ¥7M | Filing company only |

## Notable figures

- FY2026, parent-company salary changed -27% over five years

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥44089000000 | ¥44080000000 | -0.0% |
| Employees | 1,689 people | 1,380 people | -18.3% |
| Cash and equivalents | ¥202017000000 | ¥161902000000 | -19.9% |

### Change in segment revenue mix

Span: FY ending Mar 2021 → FY ending Mar 2026. Stable segment keys are connected; unmatched shares are marked as new or reorganized. Shares use total segment revenue.

| Flow | Revenue share |
| --- | ---: |
| 銀行業 → 銀行業 | 84.1% |
| リース業 → リース業 | 13.9% |
| リース業 → 事業再編・廃止 | 0.1% |
| その他 → その他 | 1.6% |
| その他 → 事業再編・廃止 | 0.3% |
| 新設・再編 → 銀行業 | 0.4% |

Segment revenue source references: 6 (derived)

## Business growth × margin

X-axis: segment revenue CAGR. Y-axis: latest operating margin. Bubble size: latest revenue. CAGR requires at least two comparable years.

| Segment | CAGR span | Revenue CAGR | Latest revenue | Operating margin | Source refs |
| --- | ---: | ---: | ---: | ---: | ---: |
| Banking | 5 years | +0.1% | ¥37371000000 | 7.6% | 2 |
| Leasing | 5 years | -0.1% | ¥6144000000 | 4.1% | 2 |
| Other | 5 years | -3.7% | ¥695000000 | 7.8% | 2 |

## Income statement（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 44,080 | 100.0% | S100YDEF |
| Ordinary expenses | 40,921 | 92.8% | S100YDEF |
| Ordinary income | 3,159 | 7.2% | S100YDEF |
| Extraordinary income | 249 | 0.6% | S100YDEF |
| Extraordinary loss | 60 | 0.1% | S100YDEF |
| Pretax income | 3,348 | 7.6% | S100YDEF |
| Income tax | 768 | 1.7% | S100YDEF |
| Net income | 2,579 | 5.9% | S100YDEF |
| Net income attributable to owners | 2,584 | 5.9% | S100YDEF |

## Per ¥100 of revenue（FY ending Mar 2026）

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 93 |
| Ordinary income | 7 |
| (Ref.) Net income | 6 |

### Margin funnel

Ordinary margin 7.2% → Net margin 5.9%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +15.2%; Core profit growth: +48.3%
Growth quality: margin-expansion
Operating leverage (core profit growth ÷ revenue growth): 3.18×
Calculated from comparable annual consolidated filings.

## Year over year（FY ending Mar 2025 → FY ending Mar 2026、JPY mn）

| Metric | Prior | Current | Change | % change |
| --- | ---: | ---: | ---: | ---: |
| Revenue | 38,274 | 44,080 | 5,806 | +15.2% |
| Net income attributable to owners | 1,563 | 2,584 | 1,021 | +65.3% |
| Operating cash flow | -190,230 | -19,644 | 170,586 | — |
| Free cash flow | -190,729 | -20,399 | 170,330 | — |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 44,132 | — | — | 4,628 | 20,683 | — | S100LNOC |
| FY ending Mar 2018 | 42,666 | — | — | 3,018 | -63,585 | — | S100OCYL |
| FY ending Mar 2019 | 42,868 | — | — | 1,630 | -73,709 | — | S100R0UP |
| FY ending Mar 2020 | 42,354 | — | — | 1,733 | -7,023 | -7,602 | S100LNOC |
| FY ending Mar 2021 | 44,089 | — | — | -3,176 | 96,884 | 95,030 | S100OCYL |
| FY ending Mar 2022 | 40,207 | — | — | 2,585 | 28,964 | 27,975 | S100R0UP |
| FY ending Mar 2023 | 37,435 | — | — | -7,082 | -19,967 | -21,376 | S100TO1E |
| FY ending Mar 2024 | 37,942 | — | — | -23,462 | -13,850 | -16,585 | S100WC3X |
| FY ending Mar 2025 | 38,274 | — | — | 1,563 | -190,230 | -190,729 | S100YDEF |
| FY ending Mar 2026 | 44,080 | — | — | 2,584 | -19,644 | -20,399 | S100YDEF |

## People and productivity（FY ending Mar 2026, consolidated, J-GAAP）

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥31.9M |
| Net income per employee (consolidated) | ¥1.9M |

Employees, revenue and profit are consolidated. Average annual salary is a separate parent-company figure. Calculated from disclosed figures (DERIVED).

| History | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
| --- | ---: | ---: | ---: | ---: | ---: |
| Employees (consolidated) | 1,610 | 1,504 | 1,418 | 1,385 | 1,380 |
| Average salary (parent company) | ¥9.5M | ¥8.4M | ¥6.6M | ¥6.8M | ¥7M |
| Average age (parent company) | 58.1 years | 53.1 years | 45.1 years | 46.1 years | 47.2 years |
| Average tenure (parent company) | 20.7 years | 18.6 years | 21.4 years | 22.4 years | 23.4 years |

Year over year: Employees (consolidated) -0.4% · Revenue (consolidated) +15.2%

## Segments（FY ending Mar 2026, consolidated, J-GAAP、JPY mn）

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| Banking | 37,371 | 84.5% | 2,855 | 7.6% |
| Leasing | 6,144 | 13.9% | 250 | 4.1% |
| Other | 695 | 1.6% | 54 | 7.8% |

### segmentMix — Revenue and profit mix

Calculated from disclosed figures (DERIVED). Shares use total segment revenue and total positive segment profit respectively. Difference = profit share − revenue share (pt). Inter-segment sales may prevent reconciliation to company revenue.

| Segment | Revenue share |
| --- | ---: |
| Banking | 84.5% |
| Leasing | 13.9% |
| Other | 1.6% |

Segment → industry: Banking → Regional Banks / Other → Credit Cards & Consumer Credit / Leasing → Leasing

## Revenue by geography

No geographic revenue breakdown was disclosed.

## Cash flow（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Operating cash flow | -19,644 | -44.6% | S100YDEF |
| Capital expenditure | 755 | 1.7% | S100YDEF |
| Free cash flow | -20,399 | -46.3% | 算出 |
| Investing cash flow | 15,138 | 34.3% | S100YDEF |
| Financing cash flow | -178 | -0.4% | S100YDEF |
| Dividends paid | 141 | 0.3% | S100YDEF |
| Share buyback | 30 | 0.1% | S100YDEF |
| Change in cash | -4,685 | -10.6% | S100YDEF |
| Cash and equivalents | 161,902 | 367.3% | S100YDEF |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 株式会社整理回収機構 | Major shareholder | 63.2% | 2026-03-31 |
| ＳＢＩ地銀ホールディングス株式会社 | Major shareholder | 12.3% | 2026-03-31 |
| 金子 亮 | Major shareholder | 1.6% | 2026-03-31 |
| きらやか銀行職員持株会 | Major shareholder | 0.8% | 2026-03-31 |
| 株式会社日本カストディ銀行（信託口） | Major shareholder | 0.7% | 2026-03-31 |
| 仙台銀行職員持株会 | Major shareholder | 0.5% | 2026-03-31 |
| 齋藤 久美子 | Major shareholder | 0.4% | 2026-03-31 |
| 横山 修一 | Major shareholder | 0.3% | 2026-03-31 |
| 株式会社十文字チキンカンパニー | Major shareholder | 0.3% | 2026-03-31 |
| 長岡 壽一 | Major shareholder | 0.2% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第14期(2025/04/01－2026/03/31) | S100YDEF | 2026-06-18 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YDEF,, |
| 訂正有価証券報告書－第13期(2024/04/01－2025/03/31) | S100WC3X | 2025-07-09 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100WC3X,, |
| 有価証券報告書－第12期(2023/04/01－2024/03/31) | S100TO1E | 2024-06-20 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TO1E,, |
| 有価証券報告書－第11期(2022/04/01－2023/03/31) | S100R0UP | 2023-06-22 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100R0UP,, |
| 有価証券報告書－第10期(令和3年4月1日－令和4年3月31日) | S100OCYL | 2022-06-23 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OCYL,, |
| 有価証券報告書－第9期(令和2年4月1日－令和3年3月31日) | S100LNOC | 2021-06-24 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LNOC,, |

## Definitions

- Amounts are in millions of JPY (rounded). The period is stated in each table heading
- Operating margin = operating income ÷ revenue. Net income is attributable to owners of the parent when disclosed
- Free cash flow (FCF) = operating cash flow − capital expenditure
- ¥100 model = breakdown per ¥100 of revenue (rounded so parts sum to 100)
- Segment revenues include inter-segment sales and may not sum to consolidated revenue
- Source IDs are EDINET document IDs (docID). "算出" (derived) means computed from other disclosed values
- All figures are extracted mechanically from filings. AI-written text never generates figures
- Source: company filings submitted to EDINET (Financial Services Agency of Japan). Figures were extracted, edited and processed, and charts and text were created, by Vizora — not by the FSA (used under the Public Data License v1.0).