- JP-listed companies
- Concordia Financial Group, Ltd.
Concordia Financial Group, Ltd.JP:7186
Market cap
¥935.9B
P/E ratio
33.1x
Mar 31, 2016 | Mar 31, 2017 | Mar 31, 2018 | Mar 31, 2019 | Mar 31, 2020 | Mar 31, 2021 | Mar 31, 2022 | Mar 31, 2023 | Mar 31, 2024 | |
Cash and due from banks | - | 3,207,127 | 2,954,291 | 2,969,305 | 2,635,524 | 4,173,809 | 5,637,213 | 6,426,095 | 4,133,789 |
Cash and deposits | - | - | - | - | - | - | - | 1,740 | 1,985 |
Securities | - | - | - | - | - | - | - | 12,000 | 11,000 |
Prepaid expenses | - | - | - | - | - | - | - | - | 1 |
Accrued revenue | - | - | - | - | - | - | - | 376 | 424 |
Accounts receivable - other | - | - | - | - | - | - | - | 65 | 14 |
Income taxes refund receivable | - | - | - | - | - | - | - | 4,420 | 2,395 |
Other | - | - | - | - | - | - | - | 127 | 140 |
Current assets | - | - | - | - | - | - | - | 18,730 | 15,961 |
Call loans and bills bought | - | 251,239 | 280,177 | 256,899 | 187,230 | 60,777 | 119,366 | 108,146 | 33,629 |
Tools, furniture and fixtures, net | - | - | - | - | - | - | - | 8 | 5 |
Property, plant and equipment | - | 158,231 | 163,565 | 166,862 | 167,483 | 166,802 | 167,834 | 164,406 | 168,068 |
Buildings, net | - | 52,204 | 53,325 | 54,992 | 53,564 | 56,311 | 61,443 | 58,952 | 59,532 |
Land | - | 93,137 | 93,300 | 93,532 | 93,331 | 93,138 | 94,658 | 93,184 | 94,569 |
Construction in progress | - | 1,694 | 2,517 | 2,626 | 4,442 | 3,170 | 327 | 1,738 | 4,146 |
Other, net | - | 9,946 | 13,651 | 15,545 | 16,085 | 14,173 | 11,404 | 10,530 | 9,819 |
Trademark right | - | - | - | - | - | - | - | 1 | 1 |
Software | - | 11,291 | 12,265 | 15,993 | 17,893 | 17,225 | 16,258 | 17,074 | 18,575 |
Intangible assets | - | 12,451 | 13,148 | 16,721 | 18,444 | 17,703 | 16,649 | 17,450 | 18,946 |
Software | - | 11,291 | 12,265 | 15,993 | 17,893 | 17,225 | 16,258 | 17,074 | 18,575 |
Other | - | 795 | 715 | 713 | 551 | 478 | 391 | 375 | 370 |
Investment securities | - | - | - | - | - | - | - | 25 | 25 |
Shares of subsidiaries and associates | - | - | - | - | - | - | - | 879,763 | 879,763 |
Long-term loans receivable from subsidiaries and associates | - | - | - | - | - | - | - | 60,000 | 40,000 |
Deferred tax assets | - | - | - | 8,085 | 25,364 | 11,629 | 20,387 | 30,540 | 983 |
Investments and other assets | - | - | - | - | - | - | - | 939,824 | 919,827 |
Non-current assets | - | - | - | - | - | - | - | 939,841 | 919,838 |
Monetary claims bought | - | 79,910 | 63,300 | 44,220 | 36,568 | 29,888 | 26,930 | 24,747 | 33,286 |
Assets | - | 18,739,930 | 18,660,581 | 18,947,097 | 18,927,937 | 21,577,398 | 24,060,792 | 25,729,552 | 24,381,712 |
Trading account assets | - | 6,613 | 5,911 | 5,243 | 4,493 | 4,198 | 4,908 | 3,266 | 1,730 |
Securities | - | 2,680,114 | 2,337,884 | 2,476,944 | 2,442,074 | 2,998,468 | 2,718,311 | 2,868,336 | 2,947,434 |
Loans and bills discounted | - | 11,978,083 | 12,445,889 | 12,661,999 | 13,068,308 | 13,719,737 | 14,997,171 | 15,750,299 | 16,602,619 |
Foreign exchanges | - | 14,281 | 16,968 | 17,636 | 17,462 | 28,723 | 27,200 | 25,230 | 24,573 |
Lease receivables and investments in leases | - | 66,649 | 67,881 | 68,684 | 69,011 | 71,768 | 71,841 | 74,730 | 78,003 |
Other assets | - | 170,580 | 232,182 | 208,672 | 233,366 | 281,409 | 232,855 | 239,020 | 323,922 |
Property, plant and equipment | - | 158,231 | 163,565 | 166,862 | 167,483 | 166,802 | 167,834 | 164,406 | 168,068 |
Buildings, net | - | 52,204 | 53,325 | 54,992 | 53,564 | 56,311 | 61,443 | 58,952 | 59,532 |
Land | - | 93,137 | 93,300 | 93,532 | 93,331 | 93,138 | 94,658 | 93,184 | 94,569 |
Construction in progress | - | 1,694 | 2,517 | 2,626 | 4,442 | 3,170 | 327 | 1,738 | 4,146 |
Other, net | - | 9,946 | 13,651 | 15,545 | 16,085 | 14,173 | 11,404 | 10,530 | 9,819 |
Intangible assets | - | 12,451 | 13,148 | 16,721 | 18,444 | 17,703 | 16,649 | 17,450 | 18,946 |
Software | - | 11,291 | 12,265 | 15,993 | 17,893 | 17,225 | 16,258 | 17,074 | 18,575 |
Other | - | 795 | 715 | 713 | 551 | 478 | 391 | 375 | 370 |
Retirement benefit asset | - | 30,609 | 31,504 | 33,958 | 32,111 | 45,736 | 54,213 | 44,629 | 61,192 |
Deferred tax assets | - | - | - | 8,085 | 25,364 | 11,629 | 20,387 | 30,540 | 983 |
Customers' liabilities for acceptances and guarantees | - | 128,643 | 92,971 | 65,280 | 52,664 | 42,878 | 40,762 | 35,499 | 37,419 |
Allowance for loan losses | - | -52,083 | -53,532 | -53,418 | -62,172 | -76,134 | -74,855 | -82,845 | -83,889 |
Assets | - | 18,739,930 | 18,660,581 | 18,947,097 | 18,927,937 | 21,577,398 | 24,060,792 | 25,729,552 | 24,381,712 |
Accounts payable - other | - | - | - | - | - | - | - | 65 | 14 |
Accrued expenses | - | - | - | - | - | - | - | 27 | 36 |
Income taxes payable | - | - | - | - | - | - | - | 8 | 13 |
Deposits received | - | - | - | - | - | - | - | 157 | 202 |
Provision for bonuses | - | 4,596 | 4,605 | 4,465 | 4,131 | 4,808 | 4,818 | 4,591 | 4,962 |
Provision for bonuses for directors (and other officers) | - | 76 | 103 | 94 | 51 | 29 | 40 | 46 | 51 |
Other | - | - | - | - | - | - | - | 151 | 151 |
Current liabilities | - | - | - | - | - | - | - | 486 | 492 |
Deposits | - | 14,930,282 | 15,496,142 | 15,945,423 | 16,233,671 | 18,015,297 | 19,045,992 | 19,441,721 | 19,974,124 |
Bonds payable | - | 20,000 | 40,000 | 60,000 | 80,000 | 100,000 | 80,000 | 60,000 | 40,000 |
Provision for share-based compensation | - | - | 144 | 272 | 238 | 323 | 430 | 245 | 313 |
Long-term deposits received | - | - | - | - | - | - | - | 730 | 674 |
Non-current liabilities | - | - | - | - | - | - | - | 60,784 | 40,752 |
Negotiable certificates of deposit | - | 300,570 | 186,776 | 234,633 | 272,120 | 182,720 | 309,470 | 303,670 | 353,370 |
Liabilities | - | 17,626,227 | 17,506,578 | 17,786,949 | 17,823,964 | 20,418,298 | 22,896,166 | 24,568,296 | 23,096,944 |
Call money and bills sold | - | 1,024,471 | 716,410 | 496,364 | 326,541 | 174,786 | 856,869 | 1,998,420 | 217,080 |
Securities sold under repurchase agreements | - | - | 3,069 | 13,726 | 12,969 | 2,441 | 10,915 | 66,194 | 115,423 |
Cash collateral received for securities lent | - | 96,905 | 135,914 | 307,071 | 204,018 | 155,394 | 64,530 | 163,659 | 80,481 |
Trading account liabilities | - | 133 | 106 | 113 | 87 | 57 | 33 | 52 | 12 |
Borrowed money | - | 909,679 | 655,517 | 489,630 | 416,720 | 1,430,757 | 2,217,421 | 2,176,516 | 2,021,582 |
Foreign exchanges | - | 257 | 448 | 407 | 249 | 197 | 462 | 458 | 704 |
Bonds payable | - | 20,000 | 40,000 | 60,000 | 80,000 | 100,000 | 80,000 | 60,000 | 40,000 |
Borrowed money from trust account | - | - | - | - | 4,825 | 15,931 | 26,152 | 34,603 | 41,729 |
Other liabilities | - | 171,094 | 131,977 | 134,880 | 194,035 | 271,876 | 217,576 | 261,622 | 178,157 |
Provision for bonuses | - | 4,596 | 4,605 | 4,465 | 4,131 | 4,808 | 4,818 | 4,591 | 4,962 |
Provision for bonuses for directors (and other officers) | - | 76 | 103 | 94 | 51 | 29 | 40 | 46 | 51 |
Provision for share-based compensation | - | - | 144 | 272 | 238 | 323 | 430 | 245 | 313 |
Retirement benefit liability | - | 1,945 | 1,126 | 1,040 | 1,409 | 536 | 602 | 677 | 910 |
Provision for reimbursement of deposits | - | 1,931 | 2,001 | 2,274 | 1,856 | 1,390 | 1,593 | 2,229 | 2,278 |
Provision for contingent loss | - | 985 | 1,112 | 1,255 | 1,796 | 2,185 | 2,109 | 1,716 | 1,483 |
Reserves under special laws | - | 16 | 18 | 18 | 18 | 25 | 25 | 25 | 29 |
Deferred tax liabilities | - | - | - | 13,521 | 133 | 256 | 33 | 73 | 10,571 |
Deferred tax liabilities for land revaluation | - | 16,594 | 16,534 | 16,474 | 16,424 | 16,402 | 16,325 | 16,270 | 16,256 |
Acceptances and guarantees | - | 128,643 | 92,971 | 65,280 | 52,664 | 42,878 | 40,762 | 35,499 | 37,419 |
Liabilities | - | 17,626,227 | 17,506,578 | 17,786,949 | 17,823,964 | 20,418,298 | 22,896,166 | 24,568,296 | 23,096,944 |
Share capital | - | 150,078 | 150,078 | 150,078 | 150,078 | 150,078 | 150,078 | 150,078 | 150,078 |
Legal capital surplus | - | - | - | - | - | - | - | 37,578 | 37,578 |
Other capital surplus | - | - | - | - | - | - | - | 646,166 | 630,358 |
Capital surplus | - | 286,112 | 273,204 | 263,294 | 247,362 | 247,363 | 247,365 | 247,364 | 231,561 |
Retained earnings brought forward | - | - | - | - | - | - | - | 80,835 | 85,026 |
Retained earnings | - | 560,900 | 609,653 | 644,634 | 669,897 | 675,707 | 708,456 | 741,440 | 784,229 |
Treasury shares | - | -5,939 | -7,033 | -6,879 | -1,416 | -1,342 | -4,292 | -17,366 | -8,485 |
Shareholders' equity | - | 991,152 | 1,025,904 | 1,051,127 | 1,065,921 | 1,071,806 | 1,101,608 | 1,121,517 | 1,157,383 |
Share capital | - | 150,078 | 150,078 | 150,078 | 150,078 | 150,078 | 150,078 | 150,078 | 150,078 |
Share acquisition rights | - | 423 | 357 | 169 | 62 | 51 | 30 | 8 | - |
Capital surplus | - | 286,112 | 273,204 | 263,294 | 247,362 | 247,363 | 247,365 | 247,364 | 231,561 |
Net assets | 1,008,803 | 1,113,703 | 1,154,002 | 1,160,147 | 1,103,972 | 1,159,099 | 1,164,626 | 1,161,255 | 1,284,767 |
Retained earnings | - | 560,900 | 609,653 | 644,634 | 669,897 | 675,707 | 708,456 | 741,440 | 784,229 |
Treasury shares | - | -5,939 | -7,033 | -6,879 | -1,416 | -1,342 | -4,292 | -17,366 | -8,485 |
Shareholders' equity | - | 991,152 | 1,025,904 | 1,051,127 | 1,065,921 | 1,071,806 | 1,101,608 | 1,121,517 | 1,157,383 |
Valuation difference on available-for-sale securities | - | 83,088 | 87,042 | 72,907 | 5,128 | 44,661 | 11,355 | -10,342 | 69,959 |
Deferred gains or losses on hedges | - | -78 | -24 | -2,707 | -2,637 | -1,319 | 3,020 | 3,457 | 549 |
Revaluation reserve for land | - | 37,071 | 36,935 | 36,799 | 36,686 | 36,661 | 36,487 | 36,360 | 36,381 |
Foreign currency translation adjustment | - | - | - | - | 225 | -416 | 421 | 779 | 1,394 |
Remeasurements of defined benefit plans | - | -2,759 | -1,389 | -3,237 | -6,773 | 1,760 | 5,703 | 3,657 | 13,030 |
Valuation and translation adjustments | - | 117,322 | 122,562 | 103,762 | 32,629 | 81,347 | 56,987 | 33,913 | 121,315 |
Share acquisition rights | - | 423 | 357 | 169 | 62 | 51 | 30 | 8 | - |
Non-controlling interests | - | 4,804 | 5,178 | 5,088 | 5,360 | 5,894 | 6,000 | 5,815 | 6,067 |
Net assets | 1,008,803 | 1,113,703 | 1,154,002 | 1,160,147 | 1,103,972 | 1,159,099 | 1,164,626 | 1,161,255 | 1,284,767 |
Liabilities and net assets | - | 18,739,930 | 18,660,581 | 18,947,097 | 18,927,937 | 21,577,398 | 24,060,792 | 25,729,552 | 24,381,712 |