# Senshu Ikeda 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17期(2025/04/01－2026/03/31) (S100YAWY)
> Page: https://vizora.meequs.com/en/company/senshu-ikeda-holdings
> Retrieved: 2026-09-30T19:58:25.226Z

## Company

Senshu Ikeda Holdings, founded in 2009, is a company in Regional Banks listed on TSE Prime. It has 2,244 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | Senshu Ikeda Holdings, Inc. |
| Ticker | 8714 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8714.T) |
| Listing | TSE Prime |
| Head office | 大阪市北区茶屋町18番14号 |
| Representative (per filing) | 執行役社長兼CEO 阪口広一 |
| Founded | Jun 2009 |
| Employees (consolidated) | 2,244 |
| Average salary (parent only) | ¥8.4M |
| Fiscal year end | March |
| Website | www.senshuikeda-hd.co.jp (https://www.senshuikeda-hd.co.jp/) |
| Corporate number | 1120001140303 |
| EDINET | E23250 |
| Industries (Vizora) | Regional Banks, Leasing |

> Profile source: annual securities report (S100YAWY, filed 2026-06-15). As of filing

## Key points (generated from figures)

- About 82% of Senshu Ikeda 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 ¥21 is left as ordinary profit.
- Ordinary revenue changed +26.2% from the prior year, ordinary profit +29.1%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥117.4B |  |
| Ordinary income | ¥25.2B | Margin 21.5% |
| Net income | ¥17.3B | Margin 14.8% |
| Employees (consolidated) | 2,244 |  |
| EPS | ¥22.11 |  |
| Diluted EPS | ¥22.05 |  |
| Book value per share | ¥601.01 |  |
| Equity ratio | 3.8% |  |
| Shares outstanding | 281,008,000 |  |
| Treasury shares | 2,563,800 |  |
| Shareholders | 39,245 |  |
| Average salary (parent only) | ¥8.4M | Filing company only |

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥81328000000 | ¥117417000000 | +44.4% |
| Employees | 2,562 people | 2,244 people | -12.4% |
| Cash and equivalents | ¥1660156000000 | ¥700300000000 | -57.8% |

### 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 | 78.0% |
| リース業 → リース業 | 11.3% |
| リース業 → 事業再編・廃止 | 3.5% |
| その他 → その他 | 7.1% |
| その他 → 事業再編・廃止 | 0.1% |
| 新設・再編 → 銀行業 | 3.6% |

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 | +8.6% | ¥95857000000 | 24.5% | 2 |
| Leasing | 5 years | +1.9% | ¥13217000000 | 4.8% | 2 |
| Other | 5 years | +7.4% | ¥8341000000 | 13.5% | 2 |

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

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 117,417 | 100.0% | S100YAWY |
| Ordinary expenses | 92,183 | 78.5% | S100YAWY |
| Ordinary income | 25,233 | 21.5% | S100YAWY |
| Extraordinary income | 0 | 0.0% | S100YAWY |
| Extraordinary loss | 39 | 0.0% | S100YAWY |
| Pretax income | 25,195 | 21.5% | S100YAWY |
| Income tax | 7,845 | 6.7% | S100YAWY |
| Net income | 17,349 | 14.8% | S100YAWY |
| Net income attributable to owners | 17,336 | 14.8% | S100YAWY |

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

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 79 |
| Ordinary income | 21 |
| (Ref.) Net income | 15 |

### Margin funnel

Ordinary margin 21.5% → Net margin 14.8%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +26.2%; Core profit growth: +29.1%
Growth quality: margin-expansion
Operating leverage (core profit growth ÷ revenue growth): 1.11×
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 | 93,074 | 117,417 | 24,343 | +26.2% |
| Net income attributable to owners | 13,246 | 17,336 | 4,090 | +30.9% |
| Operating cash flow | 165,743 | 27,505 | -138,238 | -83.4% |
| Free cash flow | 161,005 | 21,623 | -139,382 | -86.6% |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 103,065 | — | — | 12,210 | 171,535 | — | S100LM1O |
| FY ending Mar 2018 | 111,612 | — | — | 8,395 | -136,416 | — | S100OAXN |
| FY ending Mar 2019 | 97,303 | — | — | 6,139 | -53,512 | — | S100QZ9L |
| FY ending Mar 2020 | 88,221 | — | — | 3,943 | 17,352 | 12,543 | S100LM1O |
| FY ending Mar 2021 | 81,328 | — | — | 5,103 | 880,026 | 876,431 | S100OAXN |
| FY ending Mar 2022 | 84,012 | — | — | 11,400 | 138,804 | 134,913 | S100QZ9L |
| FY ending Mar 2023 | 89,250 | — | — | 9,502 | -1,034,131 | -1,038,064 | S100TNFM |
| FY ending Mar 2024 | 85,219 | — | — | 10,874 | 121,348 | 115,211 | S100VXY5 |
| FY ending Mar 2025 | 93,074 | — | — | 13,246 | 165,743 | 161,005 | S100YAWY |
| FY ending Mar 2026 | 117,417 | — | — | 17,336 | 27,505 | 21,623 | S100YAWY |

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

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥52.3M |
| Net income per employee (consolidated) | ¥7.7M |

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

| History | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
| --- | ---: | ---: | ---: | ---: | ---: |
| Employees (consolidated) | 2,515 | 2,397 | 2,326 | 2,252 | 2,244 |
| Average salary (parent company) | ¥9.2M | ¥9.4M | ¥7.5M | ¥8.3M | ¥8.4M |
| Average age (parent company) | 48.0 years | 45.0 years | 43.0 years | 44.6 years | 42.9 years |
| Average tenure (parent company) | 25.3 years | 21.9 years | 17.9 years | 16.3 years | 11.8 years |

Year over year: Employees (consolidated) -0.4% · Revenue (consolidated) +26.2%

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

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| Banking | 95,857 | 81.6% | 23,475 | 24.5% |
| Leasing | 13,217 | 11.3% | 638 | 4.8% |
| Other | 8,341 | 7.1% | 1,129 | 13.5% |

### 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 | 81.6% |
| Leasing | 11.3% |
| Other | 7.1% |

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 | 27,505 | 23.4% | S100YAWY |
| Capital expenditure | 5,882 | 5.0% | S100YAWY |
| Free cash flow | 21,623 | 18.4% | 算出 |
| Investing cash flow | -170,163 | -144.9% | S100YAWY |
| Financing cash flow | -4,787 | -4.1% | S100YAWY |
| Dividends paid | 5,147 | 4.4% | S100YAWY |
| Share buyback | 1 | 0.0% | S100YAWY |
| Change in cash | -147,445 | -125.6% | S100YAWY |
| Cash and equivalents | 700,300 | 596.4% | S100YAWY |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 日本マスタートラスト信託銀行株式会社 | Major shareholder | 11.8% | 2026-03-31 |
| 株式会社日本カストディ銀行 | Major shareholder | 10.2% | 2026-03-31 |
| GOLDMAN SACHS INTERNATIONAL(常任代理人 ゴールドマン・サックス証券株式会社) | Major shareholder | 9.3% | 2026-03-31 |
| 池田泉州銀行従業員持株会 | Major shareholder | 4.2% | 2026-03-31 |
| STATE STREET BANK AND TRUST COMPANY 505223(常任代理人 株式会社みずほ銀行決済営業部) | Major shareholder | 2.0% | 2026-03-31 |
| DFA INTL SMALL CAP VALUE PORTFOLIO(常任代理人 シティバンク、エヌ・エイ東京支店) | 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 |
| 伊丹産業株式会社 | Major shareholder | 1.3% | 2026-03-31 |
| 野村證券株式会社 | Major shareholder | 1.0% | 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17期(2025/04/01－2026/03/31) | S100YAWY | 2026-06-15 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YAWY,, |
| 有価証券報告書－第16期(2024/04/01－2025/03/31) | S100VXY5 | 2025-06-18 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100VXY5,, |
| 有価証券報告書－第15期(2023/04/01－2024/03/31) | S100TNFM | 2024-06-20 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TNFM,, |
| 有価証券報告書－第14期(2022/04/01－2023/03/31) | S100QZ9L | 2023-06-21 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100QZ9L,, |
| 有価証券報告書－第13期(令和3年4月1日－令和4年3月31日) | S100OAXN | 2022-06-21 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OAXN,, |
| 有価証券報告書－第12期(令和2年4月1日－令和3年3月31日) | S100LM1O | 2021-06-24 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LM1O,, |

## 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).