# TOMONY 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16期(2025/04/01－2026/03/31) (S100YAZU)
> Page: https://vizora.meequs.com/en/company/tomony-holdings
> Retrieved: 2026-09-30T23:07:05.668Z

## Company

TOMONY Holdings is a company in Regional Banks listed on TSE Prime. It has 2,184 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | TOMONY Holdings, Inc. |
| Ticker | 8600 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8600.T) |
| Listing | TSE Prime |
| Head office | 香川県高松市亀井町7番地1 |
| Representative (per filing) | 代表取締役社長兼CEO(最高経営責任者) 中村 武 |
| Employees (consolidated) | 2,184 |
| Average salary (parent only) | ¥9.5M |
| Fiscal year end | March |
| Website | www.tomony-hd.co.jp (https://www.tomony-hd.co.jp/) |
| Corporate number | 5470001011928 |
| EDINET | E23820 |
| Industries (Vizora) | Regional Banks |

> Profile source: annual securities report (S100YAZU, filed 2026-06-17). As of filing

## Key points (generated from figures)

- TOMONY Holdings brought in ¥104.8B in ordinary revenue.
- Out of every ¥100 of ordinary revenue, about ¥23 is left as ordinary profit.
- Ordinary revenue changed +10.2% from the prior year, ordinary profit +4.2%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥104.8B |  |
| Ordinary income | ¥24.4B | Margin 23.2% |
| Net income | ¥16.2B | Margin 15.4% |
| Employees (consolidated) | 2,184 |  |
| EPS | ¥28.32 |  |
| Diluted EPS | ¥27.91 |  |
| Book value per share | ¥542.07 |  |
| Equity ratio | 5.6% |  |
| Shares outstanding | 193,533,000 |  |
| Treasury shares | 1,455,300 |  |
| Shareholders | 15,361 |  |
| Average salary (parent only) | ¥9.5M | Filing company only |

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥70687000000 | ¥104775000000 | +48.2% |
| Employees | 2,282 people | 2,184 people | -4.3% |
| Cash and equivalents | ¥514705000000 | ¥480962000000 | -6.6% |

### 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 → 事業再編・廃止 | 89.2% |
| リース業 → 事業再編・廃止 | 9.0% |
| その他 → 事業再編・廃止 | 1.8% |

Segment revenue source references: 3 (derived)

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

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 104,775 | 100.0% | S100YAZU |
| Ordinary expenses | 80,414 | 76.7% | S100YAZU |
| Ordinary income | 24,360 | 23.2% | S100YAZU |
| Extraordinary income | 14 | 0.0% | S100YAZU |
| Extraordinary loss | 268 | 0.3% | S100YAZU |
| Pretax income | 24,107 | 23.0% | S100YAZU |
| Income tax | 7,832 | 7.5% | S100YAZU |
| Net income | 16,275 | 15.5% | S100YAZU |
| Net income attributable to owners | 16,163 | 15.4% | S100YAZU |

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

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 77 |
| Ordinary income | 23 |
| (Ref.) Net income | 15 |

### Margin funnel

Ordinary margin 23.2% → Net margin 15.4%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +10.2%; Core profit growth: +4.2%
Growth quality: revenue-led
Operating leverage (core profit growth ÷ revenue growth): 0.41×
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 | 95,107 | 104,775 | 9,668 | +10.2% |
| Net income attributable to owners | 15,832 | 16,163 | 331 | +2.1% |
| Operating cash flow | 118,189 | 17,481 | -100,708 | -85.2% |
| Free cash flow | 116,094 | 13,751 | -102,343 | -88.2% |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 71,494 | — | — | 25,810 | -57,293 | — | S100LPQ3 |
| FY ending Mar 2018 | 72,641 | — | — | 11,158 | 47,239 | — | S100OD5H |
| FY ending Mar 2019 | 73,286 | — | — | 10,163 | -48,802 | — | S100R22F |
| FY ending Mar 2020 | 71,033 | — | — | 8,136 | -5,917 | -9,671 | S100LPQ3 |
| FY ending Mar 2021 | 70,687 | — | — | 9,984 | 228,257 | 224,836 | S100OD5H |
| FY ending Mar 2022 | 70,335 | — | — | 13,062 | 47,910 | 46,159 | S100R22F |
| FY ending Mar 2023 | 77,654 | — | — | 14,168 | -201,412 | -203,158 | S100TPT9 |
| FY ending Mar 2024 | 87,817 | — | — | 14,008 | 57,591 | 55,781 | S100W4LT |
| FY ending Mar 2025 | 95,107 | — | — | 15,832 | 118,189 | 116,094 | S100YAZU |
| FY ending Mar 2026 | 104,775 | — | — | 16,163 | 17,481 | 13,751 | S100YAZU |

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

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥48M |
| Net income per employee (consolidated) | ¥7.4M |

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) | 2,264 | 2,237 | 2,212 | 2,183 | 2,184 |
| Average salary (parent company) | ¥8.4M | ¥8.7M | ¥9.1M | ¥9.2M | ¥9.5M |
| Average age (parent company) | 51.8 years | 52.4 years | 53.4 years | 53.7 years | 54.3 years |
| Average tenure (parent company) | 28.7 years | 29.2 years | 30.3 years | 30.7 years | 31.6 years |

Year over year: Employees (consolidated) +0.0% · Revenue (consolidated) +10.2%

## 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 | 17,481 | 16.7% | S100YAZU |
| Capital expenditure | 3,730 | 3.6% | S100YAZU |
| Free cash flow | 13,751 | 13.1% | 算出 |
| Investing cash flow | -35,805 | -34.2% | S100YAZU |
| Financing cash flow | -5,693 | -5.4% | S100YAZU |
| Dividends paid | 4,327 | 4.1% | S100YAZU |
| Share buyback | 1,000 | 1.0% | S100YAZU |
| Change in cash | -24,018 | -22.9% | S100YAZU |
| Cash and equivalents | 480,962 | 459.0% | S100YAZU |

## 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 | 12.6% | 2026-03-31 |
| 株式会社日本カストディ銀行（信託口） | Major shareholder | 5.3% | 2026-03-31 |
| トモニホールディングス従業員持株会 | Major shareholder | 3.6% | 2026-03-31 |
| MURAKAMI TAKATERU （常任代理人 三田証券株式会社） | Major shareholder | 3.4% | 2026-03-31 |
| 日亜化学工業株式会社 | Major shareholder | 3.0% | 2026-03-31 |
| 有限会社エーシーエヌウインド | Major shareholder | 2.5% | 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 | 2.3% | 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 |
| 日本ハム株式会社 | 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 | 1.1% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第16期(2025/04/01－2026/03/31) | S100YAZU | 2026-06-17 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YAZU,, |
| 有価証券報告書－第15期(2024/04/01－2025/03/31) | S100W4LT | 2025-06-24 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100W4LT,, |
| 有価証券報告書－第14期(2023/04/01－2024/03/31) | S100TPT9 | 2024-06-26 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TPT9,, |
| 有価証券報告書－第13期(2022/04/01－2023/03/31) | S100R22F | 2023-06-27 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100R22F,, |
| 有価証券報告書－第12期(令和3年4月1日－令和4年3月31日) | S100OD5H | 2022-06-28 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OD5H,, |
| 有価証券報告書－第11期(令和2年4月1日－令和3年3月31日) | S100LPQ3 | 2021-06-29 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LPQ3,, |

## 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).