# Juroku Financial Group, 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5期(2025/04/01－2026/03/31) (S100YA7J)
> Page: https://vizora.meequs.com/en/company/juroku-financial-group
> Retrieved: 2026-09-30T22:29:06.598Z

## Company

Juroku Financial Group, founded in 2021, is a company in Regional Banks listed on TSE Prime. It has 2,322 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | Juroku Financial Group, Inc. |
| Ticker | 7380 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/7380.T) |
| Listing | TSE Prime |
| Head office | 岐阜県岐阜市神田町八丁目26番地 |
| Representative (per filing) | 代表取締役社長 池田直樹 |
| Founded | May 2021 |
| Employees (consolidated) | 2,322 |
| Average salary (parent only) | ¥10.6M |
| Fiscal year end | March |
| Website | www.16fg.co.jp (https://www.16fg.co.jp/) |
| Corporate number | 7200001039259 |
| EDINET | E36703 |
| Industries (Vizora) | Regional Banks, Leasing |

> Profile source: annual securities report (S100YA7J, filed 2026-06-11). As of filing

## Key points (generated from figures)

- About 79% of Juroku Financial Group's ordinary revenue comes from Banking, with Leasing and Other making up much of the rest.
- Out of every ¥100 of ordinary revenue, about ¥25 is left as ordinary profit.
- Ordinary revenue changed +24.1% from the prior year, ordinary profit +36.9%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥169.1B |  |
| Ordinary income | ¥42.8B | Margin 25.3% |
| Net income | ¥27.4B | Margin 16.2% |
| Employees (consolidated) | 2,322 |  |
| EPS | ¥63.35 |  |
| Book value per share | ¥1703.5 |  |
| Equity ratio | 6.2% |  |
| Shares outstanding | 37,924,000 |  |
| Treasury shares | 2,503,100 |  |
| Shareholders | 17,648 |  |
| Average salary (parent only) | ¥10.6M | Filing company only |

## What changed in 4 years

| Metric | FY ending Mar 2022 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥117350000000 | ¥169093000000 | +44.1% |
| Employees | 2,705 people | 2,322 people | -14.2% |
| Cash and equivalents | ¥2130686000000 | ¥1094537000000 | -48.6% |

### Change in segment revenue mix

Span: FY ending Mar 2022 → 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 | 71.8% |
| リース業 → リース業 | 16.1% |
| リース業 → 事業再編・廃止 | 6.2% |
| その他 → その他 | 5.0% |
| その他 → 事業再編・廃止 | 0.8% |
| 新設・再編 → 銀行業 | 7.1% |

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 | 4 years | +12.2% | ¥133426000000 | 30.1% | 2 |
| Leasing | 4 years | +1.0% | ¥27218000000 | 3.5% | 2 |
| Other | 4 years | +5.4% | ¥8448000000 | 154.2% | 2 |

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

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 169,093 | 100.0% | S100YA7J |
| Ordinary expenses | 126,326 | 74.7% | S100YA7J |
| Ordinary income | 42,766 | 25.3% | S100YA7J |
| Extraordinary income | 3 | 0.0% | S100YA7J |
| Extraordinary loss | 2,886 | 1.7% | S100YA7J |
| Pretax income | 39,884 | 23.6% | S100YA7J |
| Income tax | 12,112 | 7.2% | S100YA7J |
| Net income | 27,772 | 16.4% | S100YA7J |
| Net income attributable to owners | 27,380 | 16.2% | S100YA7J |

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

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 75 |
| Ordinary income | 25 |
| (Ref.) Net income | 16 |

### Margin funnel

Ordinary margin 25.3% → Net margin 16.2%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +24.1%; Core profit growth: +36.9%
Growth quality: margin-expansion
Operating leverage (core profit growth ÷ revenue growth): 1.53×
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 | 136,301 | 169,093 | 32,792 | +24.1% |
| Net income attributable to owners | 20,840 | 27,380 | 6,540 | +31.4% |
| Operating cash flow | 2,876 | -190,319 | -193,195 | -6717.5% |
| Free cash flow | -2,156 | -210,409 | -208,253 | — |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2022 | 117,350 | — | — | 17,191 | 1,124,175 | 1,120,810 | S100QXYT |
| FY ending Mar 2023 | 112,685 | — | — | 18,630 | -1,369,207 | -1,371,778 | S100TQUD |
| FY ending Mar 2024 | 128,835 | — | — | 19,318 | 156,768 | 152,521 | S100VWTF |
| FY ending Mar 2025 | 136,301 | — | — | 20,840 | 2,876 | -2,156 | S100YA7J |
| FY ending Mar 2026 | 169,093 | — | — | 27,380 | -190,319 | -210,409 | S100YA7J |

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

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥72.8M |
| Net income per employee (consolidated) | ¥11.8M |

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) | 2,705 | 2,532 | 2,451 | 2,374 | 2,322 |
| Average salary (parent company) | ¥9.4M | ¥9.3M | ¥9.1M | ¥9.3M | ¥10.6M |
| Average age (parent company) | 44.8 years | 47.6 years | 45.6 years | 45.0 years | 44.9 years |
| Average tenure (parent company) | 21.8 years | 24.0 years | 22.7 years | 22.0 years | 21.9 years |

Year over year: Employees (consolidated) -2.2% · Revenue (consolidated) +24.1%

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

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| Banking | 133,426 | 78.9% | 40,185 | 30.1% |
| Leasing | 27,218 | 16.1% | 963 | 3.5% |
| Other | 8,448 | 5.0% | 13,025 | 154.2% |

### 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 | 78.9% |
| Leasing | 16.1% |
| Other | 5.0% |

Segment → industry: Banking → Regional Banks / 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 | -190,319 | -112.6% | S100YA7J |
| Capital expenditure | 20,090 | 11.9% | S100YA7J |
| Free cash flow | -210,409 | -124.4% | 算出 |
| Investing cash flow | 224,979 | 133.1% | S100YA7J |
| Financing cash flow | -10,190 | -6.0% | S100YA7J |
| Dividends paid | 7,178 | 4.2% | S100YA7J |
| Share buyback | 3,011 | 1.8% | S100YA7J |
| Change in cash | 24,471 | 14.5% | S100YA7J |
| Cash and equivalents | 1,094,537 | 647.3% | S100YA7J |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 日本マスタートラスト信託銀行株式会社(信託口) | Major shareholder | 10.5% | 2026-03-31 |
| 株式会社日本カストディ銀行(信託口) | Major shareholder | 5.5% | 2026-03-31 |
| フジパングループ本社株式会社 | Major shareholder | 2.7% | 2026-03-31 |
| 十六フィナンシャルグループ従業員持株会 | Major shareholder | 2.4% | 2026-03-31 |
| 明治安田生命保険相互会社 | Major shareholder | 2.1% | 2026-03-31 |
| ＪＰモルガン証券株式会社 | Major shareholder | 1.9% | 2026-03-31 |
| STATE STREET BANK AND TRUST COMPANY505223 (常任代理人 株式会社みずほ銀行決済営業部) | Major shareholder | 1.6% | 2026-03-31 |
| セイノーホールディングス株式会社 | Major shareholder | 1.4% | 2026-03-31 |
| STATE STREET BANK AND TRUST COMPANY505001 (常任代理人 株式会社みずほ銀行決済営業部) | Major shareholder | 1.4% | 2026-03-31 |
| JP MORGAN CHASE BANK 385781(常任代理人 株式会社みずほ銀行決済営業部) | Major shareholder | 1.3% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第5期(2025/04/01－2026/03/31) | S100YA7J | 2026-06-11 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YA7J,, |
| 有価証券報告書－第4期(2024/04/01－2025/03/31) | S100VWTF | 2025-06-12 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100VWTF,, |
| 訂正有価証券報告書－第3期(2023/04/01－2024/03/31) | S100TQUD | 2024-06-24 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TQUD,, |
| 有価証券報告書－第2期(2022/04/01－2023/03/31) | S100QXYT | 2023-06-16 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100QXYT,, |
| 有価証券報告書－第1期(令和3年4月1日－令和4年3月31日) | S100O9H2 | 2022-06-17 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100O9H2,, |

## 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).