Nippon InsureNippon Insure Co., Ltd.5843東証スタンダードその他金融業FY ending Sep 2025, non-consolidated, J-GAAP
Out of every ¥100 of sales, about ¥20 is left as operating profit. Revenue changed +16.0% from the prior year, operating profit +81.5%.
Net margin × asset turnover = ROA; ROA × financial leverage = ROE
Denominators: average assets and average equity. Derived from reported values; ROE is shown only for positive profit and equity.
| Period | Net margin | Asset turnover | ROA | Financial leverage | ROE |
|---|---|---|---|---|---|
| 2022 | 9.8% | 0.89× | 8.8% | 3.21× | 28.2% |
| 2023 | 6.8% | 0.91× | 6.2% | 3.15× | 19.6% |
| 2024 | 8.7% | 0.80× | 7.0% | 2.60× | 18.2% |
| 2025 | 14.1% | 0.75× | 10.6% | 2.22× | 23.6% |
Financial leverage can raise ROE; a higher value alone does not describe a company's overall condition.
Annual trends in tangible-asset ratios and goodwill balance.
Ratios are derived from reported values. Goodwill is shown only when separately reported; it is not inferred from combined intangible assets. Definition
| Item | FY ending Sep 2022 | FY ending Sep 2023 | FY ending Sep 2024 | FY ending Sep 2025 |
|---|---|---|---|---|
| Revenue | 2,605 | 2,877 | 3,221 | 3,738 |
| Cost of revenue | 1,017 | 1,204 | 1,335 | 1,396 |
| Gross profit | 1,588 | 1,672 | 1,886 | 2,342 |
| SG&A | 1,191 | 1,381 | 1,468 | 1,583 |
| Operating income | 396 | 292 | 418 | 759 |
| Pretax income | 406 | 292 | 410 | 775 |
| Income tax | 151 | 95 | 130 | 247 |
| Net income attributable to owners | 255 | 197 | 280 | 528 |
| Operating margin | 15.2% | 10.1% | 13.0% | 20.3% |
Year-end figures from filings. Unreported items are omitted. Interest-bearing debt excludes lease liabilities.
Each bar totals 100% of assets; other is the residual.
| Item | FY ending Sep 2022 | FY ending Sep 2023 | FY ending Sep 2024 | FY ending Sep 2025 |
|---|---|---|---|---|
| Cash and equivalents | ¥1.62B | ¥1.73B | ¥2.46B | ¥2.76B |
| Total assets | ¥2.91B | ¥3.41B | ¥4.6B | ¥5.34B |
| Net assets | ¥905.6M | ¥1.1B | ¥1.98B | ¥2.49B |
| Share capital | ¥50M | ¥50M | ¥347.6M | ¥357.3M |
| Property, plant and equipment | ¥33.8M | ¥34.8M | ¥30.2M | ¥26.3M |
| Intangible assets excluding goodwill | ¥62.5M | ¥61.9M | ¥81.6M | ¥112.2M |
| Investment securities | ¥20M | ¥20M | ¥20M | ¥20M |
| Current assets | ¥2.53B | ¥2.94B | ¥4.05B | ¥4.72B |
| Current liabilities | ¥1.92B | ¥2.22B | ¥2.52B | ¥2.72B |
| Short-term borrowings | ¥374.1M | ¥479.5M | ¥483.5M | ¥481M |
| Long-term borrowings | ¥8.1M | ¥7.2M | ¥6.4M | ¥5.5M |
| Total liabilities | ¥2.01B | ¥2.31B | ¥2.62B | ¥2.84B |
| Equity attributable to owners of parent | ¥905.6M | ¥1.1B | ¥1.98B | ¥2.49B |
| Retained earnings | ¥785.4M | ¥982.3M | ¥1.26B | ¥1.76B |
| Treasury stock | — | — | — | -¥236K |
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