# Procrea 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4期(2025/04/01－2026/03/31) (S100YD0C)
> Page: https://vizora.meequs.com/en/company/procrea-holdings
> Retrieved: 2026-09-30T20:31:36.335Z

## Company

Procrea Holdings, founded in 2022, is a company in Regional Banks listed on TSE Prime. It has 2,197 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | Procrea Holdings, Inc. |
| Ticker | 7384 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/7384.T) |
| Listing | TSE Prime |
| Head office | 青森県青森市勝田一丁目3番1号(上記は登記上の本店所在地であり実際の本社業務は下記にて行っております。)青森県青森市橋本一丁目9番30号 |
| Representative (per filing) | 代表取締役社長 成田晋 |
| Founded | Jan 2022 |
| Employees (consolidated) | 2,197 |
| Fiscal year end | March |
| Website | www.procrea-hd.co.jp (https://www.procrea-hd.co.jp/) |
| Corporate number | 3420001017799 |
| EDINET | E37412 |
| Industries (Vizora) | Regional Banks, Credit Cards & Consumer Credit, Leasing |

> Profile source: annual securities report (S100YD0C, filed 2026-06-18). As of filing

## Key points (generated from figures)

- About 84% of Procrea 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 +12.5% from the prior year, ordinary profit +169.6%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥95.3B |  |
| Ordinary income | ¥6.56B | Margin 6.9% |
| Net income | ¥3.78B | Margin 4.0% |
| Employees (consolidated) | 2,197 |  |
| EPS | ¥61.67 |  |
| Book value per share | ¥4152.3 |  |
| Equity ratio | 2.8% |  |
| Shares outstanding | 28,658,000 |  |
| Treasury shares | 55,400 |  |
| Shareholders | 35,030 |  |

## What changed in 3 years

| Metric | FY ending Mar 2023 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥77620000000 | ¥95278000000 | +22.7% |
| Employees | 2,460 people | 2,197 people | -10.7% |
| Cash and equivalents | ¥1118529000000 | ¥1151360000000 | +2.9% |

### Change in segment revenue mix

Span: FY ending Mar 2023 → 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 | 82.1% |
| リース業 → リース業 | 14.1% |
| リース業 → 事業再編・廃止 | 2.3% |
| その他 → その他 | 1.5% |
| 新設・再編 → 銀行業 | 1.6% |
| 新設・再編 → その他 | 0.7% |

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 | 3 years | +7.8% | ¥79927000000 | 6.8% | 2 |
| Leasing | 3 years | +2.0% | ¥13512000000 | 4.7% | 2 |
| Other | 3 years | +21.1% | ¥2060000000 | 39.8% | 2 |

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

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 95,278 | 100.0% | S100YD0C |
| Ordinary expenses | 88,721 | 93.1% | S100YD0C |
| Ordinary income | 6,557 | 6.9% | S100YD0C |
| Extraordinary income | 47 | 0.0% | S100YD0C |
| Extraordinary loss | 797 | 0.8% | S100YD0C |
| Pretax income | 5,807 | 6.1% | S100YD0C |
| Income tax | 2,024 | 2.1% | S100YD0C |
| Net income | 3,783 | 4.0% | S100YD0C |
| Net income attributable to owners | 3,783 | 4.0% | S100YD0C |

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

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 93 |
| Ordinary income | 7 |
| (Ref.) Net income | 4 |

### Margin funnel

Ordinary margin 6.9% → Net margin 4.0%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +12.5%; Core profit growth: +169.6%
Growth quality: margin-expansion
Operating leverage (core profit growth ÷ revenue growth): 13.54×
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 | 84,674 | 95,278 | 10,604 | +12.5% |
| Net income attributable to owners | 1,227 | 3,783 | 2,556 | +208.3% |
| Operating cash flow | 470,259 | -207,861 | -678,120 | -144.2% |
| Free cash flow | 462,240 | -211,340 | -673,580 | -145.7% |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2023 | 77,620 | — | — | 48,957 | -508,446 | -510,936 | S100TRMF |
| FY ending Mar 2024 | 76,847 | — | — | 2,817 | 637 | -8,391 | S100W105 |
| FY ending Mar 2025 | 84,674 | — | — | 1,227 | 470,259 | 462,240 | S100YD0C |
| FY ending Mar 2026 | 95,278 | — | — | 3,783 | -207,861 | -211,340 | S100YD0C |

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

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥43.4M |
| Net income per employee (consolidated) | ¥1.7M |

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

| History | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
| --- | ---: | ---: | ---: | ---: |
| Employees (consolidated) | 2,460 | 2,407 | 2,355 | 2,197 |
| Average salary (parent company) | ¥7.4M | ¥7.7M | — | — |
| Average age (parent company) | 38.8 years | 41.8 years | — | — |
| Average tenure (parent company) | 16.5 years | 19.3 years | — | — |

Year over year: Employees (consolidated) -6.7% · Revenue (consolidated) +12.5%

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

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| Banking | 79,927 | 83.7% | 5,439 | 6.8% |
| Leasing | 13,512 | 14.1% | 635 | 4.7% |
| Other | 2,060 | 2.2% | 820 | 39.8% |

### 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 | 83.7% |
| Leasing | 14.1% |
| Other | 2.2% |

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 | -207,861 | -218.2% | S100YD0C |
| Capital expenditure | 3,479 | 3.7% | S100YD0C |
| Free cash flow | -211,340 | -221.8% | 算出 |
| Investing cash flow | -118,823 | -124.7% | S100YD0C |
| Financing cash flow | -1,673 | -1.8% | S100YD0C |
| Dividends paid | 1,430 | 1.5% | S100YD0C |
| Share buyback | 245 | 0.3% | S100YD0C |
| Change in cash | -328,357 | -344.6% | S100YD0C |
| Cash and equivalents | 1,151,360 | 1208.4% | S100YD0C |

## 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 | 13.1% | 2026-03-31 |
| 株式会社日本カストディ銀行（信託口） | Major shareholder | 3.8% | 2026-03-31 |
| 青森みちのく銀行行員持株会 | Major shareholder | 2.1% | 2026-03-31 |
| 高橋 慧 | Major shareholder | 1.8% | 2026-03-31 |
| 明治安田生命保険相互会社 | Major shareholder | 1.7% | 2026-03-31 |
| 日本生命保険相互会社 | Major shareholder | 1.7% | 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 |
| 住友生命保険相互会社 | Major shareholder | 1.2% | 2026-03-31 |
| 株式会社十文字チキンカンパニー | Major shareholder | 1.1% | 2026-03-31 |
| STATE STREET BANK AND TRUST COMPANY 505001 （常任代理人 株式会社みずほ銀行決済営業部） | Major shareholder | 1.0% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第4期(2025/04/01－2026/03/31) | S100YD0C | 2026-06-18 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YD0C,, |
| 有価証券報告書－第3期(2024/04/01－2025/03/31) | S100W105 | 2025-06-23 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100W105,, |
| 有価証券報告書－第2期(2023/04/01－2024/03/31) | S100TRMF | 2024-06-25 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TRMF,, |
| 有価証券報告書－第1期(2022/04/01－2023/03/31) | S100R6PS | 2023-06-28 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100R6PS,, |

## 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).