SBI Shinsei Bank, LimitedJP:8303
Market cap
¥103.86K
P/E ratio
| Mar 31, 2013 | Mar 31, 2014 | Mar 31, 2015 | 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 | |
| Profit (loss) before income taxes | 53,875 | 46,020 | 72,760 | 62,817 | 51,755 | 55,411 | 54,584 | 49,200 | 55,336 | 28,495 | 51,790 | 62,948 |
| Depreciation (other than leased assets) | 10,502 | 10,274 | 10,460 | 10,436 | 12,517 | 10,973 | 12,519 | 14,258 | 14,252 | 13,991 | 14,533 | 13,040 |
| Amortization of goodwill | 7,036 | 6,441 | 5,780 | 5,256 | 3,559 | 2,773 | 2,211 | 2,144 | 2,349 | 2,770 | 3,073 | 3,963 |
| Gain on bargain purchase | - | - | - | - | - | - | - | - | - | - | -1,755 | -1,756 |
| Amortization of intangible assets | 3,774 | 3,305 | 2,832 | 2,161 | 1,684 | 1,213 | 599 | 291 | 383 | 459 | 445 | 458 |
| Impairment losses on goodwill | - | - | - | - | - | - | - | - | - | - | 230 | - |
| Other Impairment losses | - | - | - | - | - | - | - | - | - | 373 | 1,680 | 434 |
| Share of loss (profit) of entities accounted for using equity method | 1,309 | -2,623 | -4,052 | -2,126 | -2,821 | -5,152 | -5,697 | -3,950 | -6,720 | -1,380 | 411 | 741 |
| Increase (decrease) in allowance for loan losses | -18,942 | -24,459 | -29,126 | -16,500 | 8,788 | 686 | -2,805 | 9,942 | 4,602 | 6,498 | -1,296 | 7,263 |
| Increase (decrease) in provision for bonuses | 336 | 162 | 990 | -354 | 114 | -30 | 109 | -75 | -57 | 1,472 | 114 | 518 |
| Decrease (increase) in retirement benefit asset | - | - | -834 | 1,231 | -4,681 | -6,185 | 2,330 | 5,247 | -13,798 | -17 | 2,264 | -9,268 |
| Increase (decrease) in retirement benefit liability | - | -3,031 | -5,038 | 49 | -535 | 109 | -134 | - | -253 | 64 | 169 | -1,064 |
| Net change in reserve for reimbursement of deposits | - | - | - | - | - | - | - | 621 | -230 | 2 | -39 | 15 |
| Net change in reserve for reimbursement of debentures | - | - | - | 2,903 | 833 | 393 | -366 | -251 | -157 | -502 | -553 | -184 |
| Increase (decrease) in provision for loss on interest repayment | -15,930 | 173,217 | -37,950 | -36,555 | -31,849 | -27,159 | -16,527 | -13,716 | -10,212 | -7,460 | -6,165 | -6,340 |
| Increase (decrease) in other provisions | 29 | -112 | -3 | -106 | -1 | -24 | -6 | 1 | -38 | 2 | -45 | 22 |
| Interest income | -147,834 | -143,270 | -148,626 | -140,739 | -138,488 | -148,504 | -154,843 | -153,777 | -135,036 | -139,000 | -184,567 | -250,207 |
| Interest expenses | 36,149 | 32,752 | 22,164 | 18,394 | 16,209 | 19,728 | 21,027 | 20,266 | 13,000 | 13,324 | 45,805 | 94,010 |
| Loss (gain) related to securities | -5,324 | -2,745 | -9,496 | -1,949 | -13,673 | -10,335 | -1,776 | -6,672 | -11,867 | 7,230 | 691 | -4,610 |
| Loss (gain) on money held in trust | -5,027 | -2,547 | -2,475 | -5,485 | -2,561 | -2,354 | -2,352 | -2,998 | -3,368 | -3,258 | -3,293 | -3,680 |
| Foreign exchange losses (gains) | -31,199 | -20,741 | -20,123 | 20,111 | 1,768 | 2,306 | 5,278 | 12,612 | -25,810 | -29,937 | -12,860 | -81,409 |
| Loss (gain) on disposal of non-current assets | -183 | -1,417 | -992 | -473 | 219 | -543 | 67 | 423 | -77 | -150 | 158 | -82 |
| Net decrease (increase) in trading account assets | -85,231 | 38,791 | -68,283 | -18,946 | 92,231 | 38,818 | 880 | -9,292 | 43,331 | 20,141 | -17,708 | -33,373 |
| Net increase (decrease) in trading account liabilities | 64,055 | -21,514 | 49,391 | 26,349 | -82,085 | -27,658 | -2,219 | 1,579 | -35,549 | -12,992 | 13,739 | 21,638 |
| Net decrease (increase) in loans and bills discounted | -153,821 | -24,921 | -141,544 | -101,633 | -270,492 | -62,490 | -62,901 | -121,837 | 8,929 | -347 | -1,582,015 | -887,912 |
| Net increase (decrease) in deposits | 68,609 | 480,303 | -366,057 | 132,803 | -10,763 | 138,998 | -276,679 | 497,684 | 206,959 | -285,888 | 2,082,170 | 1,152,988 |
| Net increase (decrease) in negotiable certificates of deposit | 26,515 | -87,376 | -31,657 | 215,436 | 72,672 | 65,253 | 131,653 | -114,630 | 59,190 | 111,870 | 1,501,823 | 423,361 |
| Net increase (decrease) in borrowed money (excluding subordinated borrowings) | 243,287 | -54,298 | 173,896 | 4,139 | 36,428 | -50,987 | -40,483 | 116,016 | 71,467 | -48,310 | -422,033 | 666,074 |
| Net change in corporate bonds (other than subordinated bonds) | -2,510 | 2,667 | 17,567 | 22,875 | 17,478 | -21,200 | 32,335 | 74,165 | 53,420 | 3,885 | -24,567 | -62,676 |
| Net decrease (increase) in due from banks (excluding cash equivalents) | 8,776 | -8,818 | 30,826 | 5,755 | -21,747 | 37,444 | -78,740 | 75,225 | -59,071 | 62,722 | -8,079 | -58,009 |
| Net decrease (increase) in call loans | -63,205 | 7,645 | 6,451 | 83,216 | -4,472 | 4,472 | - | - | - | - | -28,302 | -16,396 |
| Net decrease (increase) in monetary claims bought | 22,312 | 12,474 | 16,552 | 9,134 | 37,682 | 7,911 | 5,337 | -29,273 | 17,387 | 14,674 | -6,774 | -52,483 |
| Net increase (decrease) in call money | -40,069 | 9,905 | 79,152 | -195,372 | 26,288 | -34,148 | 148,179 | -142 | -126,244 | -64,489 | -5,573 | 55,384 |
| Net increase (decrease) in cash collateral received for securities lent | -101,521 | 270,530 | -214,230 | 14,769 | 219,812 | 95,510 | 76,767 | -159,822 | 45,041 | -157,919 | -17,430 | 163,695 |
| Net change in foreign exchange assets and liabilities | -14,798 | 8,063 | 7,109 | 1,560 | -2,566 | -12,894 | 3,333 | -44,115 | -9,649 | 28,235 | -15,204 | 970 |
| Net increase (decrease) in short-term bonds payable | 32,100 | 4,100 | 9,100 | 33,400 | 38,600 | 7,700 | 15,300 | 30,300 | -2,500 | -29,600 | -155,700 | -2,500 |
| Interest received | 149,077 | 141,507 | 139,005 | 137,928 | 140,878 | 147,408 | 157,568 | 158,671 | 138,004 | 138,507 | 172,455 | 241,453 |
| Interest paid | -26,279 | -59,034 | -45,443 | -17,039 | -14,216 | -20,104 | -35,716 | -19,268 | -14,821 | -12,661 | -38,861 | -88,468 |
| Net change in monetary assets held in trust | 33,743 | 30,327 | 17,669 | 16,217 | 12,269 | 4,541 | 4,702 | 3,257 | 2,484 | 1,967 | 1,661 | 1,014 |
| Decrease (increase) in accounts receivable - installment | - | - | - | - | - | - | - | - | - | -101,328 | -105,195 | -147,948 |
| Net decrease (increase) in lease receivables and investments in leases | -5,499 | -24,084 | 734 | 15,623 | 9,271 | 20,060 | 17,511 | 6,930 | 9,785 | 1,662 | -17,658 | -29,876 |
| Other, net | 59,437 | -46,710 | -48,961 | -116,326 | -14,782 | -58,394 | 5,567 | -91,574 | -34,247 | -26,955 | 75,111 | 23,625 |
| Subtotal | 160,762 | 526,099 | -505,668 | 178,422 | 178,224 | 168,240 | 17,657 | 310,220 | 257,222 | -463,848 | 1,312,647 | 1,195,373 |
| Income taxes paid | -696 | -1,281 | -3,360 | -2,620 | -2,548 | -825 | -3,710 | -3,705 | -7,991 | -6,781 | -5,680 | -7,210 |
| Net cash provided by (used in) operating activities | 160,065 | 524,817 | -509,029 | 175,802 | 175,676 | 167,415 | 13,946 | 306,515 | 249,230 | -470,630 | 1,306,967 | 1,188,163 |
| Purchase of securities | -8,549,411 | -693,493 | -7,356,545 | -4,129,938 | -1,687,840 | -1,406,988 | -1,691,648 | -1,858,495 | -1,541,012 | -1,273,066 | -2,814,894 | -1,525,524 |
| Proceeds from sale of securities | 8,200,931 | 782,676 | 7,062,709 | 4,137,694 | 1,670,739 | 1,233,407 | 1,395,159 | 1,751,834 | 1,281,535 | 1,192,890 | 538,457 | 205,429 |
| Proceeds from redemption of securities | 423,914 | 217,897 | 411,204 | 225,688 | 164,298 | 147,769 | 271,477 | 275,752 | 304,804 | 332,230 | 1,371,396 | 1,404,120 |
| Payments for money held in trust | -85,270 | -84,311 | -162,286 | -153,252 | -106,728 | -125,003 | -231,584 | -311,351 | -206,108 | -145,772 | -205,414 | -146,459 |
| Proceeds from cancellation, sale and dividends of monetary assets held in trust | - | - | - | 121,137 | 111,222 | 129,709 | 157,683 | 210,117 | 226,260 | 153,036 | 183,255 | 184,890 |
| Purchase of premises and equipment (other than leased assets) | -3,209 | -4,808 | -4,002 | -3,982 | -4,799 | -3,441 | -3,833 | -5,340 | -2,104 | -1,933 | -3,020 | -2,979 |
| Purchase of Intangible fixed assets (other than leased assets as lessor) | -4,249 | -5,638 | -6,602 | -11,279 | -14,064 | -20,742 | -18,249 | -7,561 | -9,850 | -7,214 | -8,885 | -11,273 |
| Payments for acquisition of businesses | - | - | - | - | - | - | -33,020 | -67 | - | - | -18,055 | - |
| Proceeds from purchase of shares of subsidiaries resulting in change in scope of consolidation | - | - | - | - | - | - | - | - | - | - | 1,440 | - |
| Purchase of shares of subsidiaries resulting in change in scope of consolidation | - | - | - | -1,479 | -443 | - | - | -5,127 | -46,961 | - | - | -10,019 |
| Proceeds from sale of shares of subsidiaries resulting in change in scope of consolidation | 14,588 | - | - | - | 3,062 | - | - | - | - | - | 420 | 654 |
| Payment for contingent consideration for the acquisition of subsidiaries | - | - | - | - | - | - | - | - | - | - | - | -2,490 |
| Other, net | 133 | 3,344 | 3,046 | 1,587 | -38 | 1,001 | -512 | -607 | 623 | 923 | -268 | -574 |
| Net cash provided by (used in) investing activities | 87,769 | 307,431 | 60,395 | 186,174 | 135,407 | -44,287 | -152,545 | 49,153 | 7,186 | 250,997 | -955,567 | 95,771 |
| Proceeds from share issuance to non-controlling shareholders | - | - | 1,165 | 1 | 50 | 838 | 2,770 | 2,808 | 2,864 | 644 | 380 | 426 |
| Dividends paid | -2,653 | -2,653 | -2,653 | -2,653 | -2,653 | -2,588 | -2,528 | -2,452 | -2,307 | -2,583 | -2,462 | -2,449 |
| Dividends paid to non-controlling interests | - | - | -3,238 | -987 | -451 | - | - | -48 | -466 | -524 | -9 | -7 |
| Purchase of treasury shares | - | - | - | - | -12,096 | -10,001 | -12,999 | -23,500 | -20,499 | -17,409 | -2,590 | -123,604 |
| Proceeds from sale of treasury shares | - | - | - | - | - | - | - | - | - | - | - | 55,999 |
| Proceeds from sale of shares of subsidiaries not resulting in change in scope of consolidation | - | - | - | - | - | - | - | - | - | - | 53 | - |
| Net cash provided by (used in) financing activities | -6,230 | -40,118 | -91,889 | -107,889 | -61,512 | -18,337 | -50,158 | -23,193 | -27,339 | -19,873 | -4,628 | -69,635 |
| Effect of exchange rate change on cash and cash equivalents | 68 | 108 | 178 | -95 | -60 | -84 | 52 | -81 | 81 | 80 | 19 | 31 |
| Net increase (decrease) in cash and cash equivalents | 241,672 | 792,239 | -540,345 | 253,991 | 249,510 | 104,706 | -188,704 | 332,394 | 229,159 | -239,425 | 346,791 | 1,214,331 |
| Increase in cash and cash equivalents resulting from inclusion of subsidiaries in consolidation | - | - | - | - | - | - | - | - | - | - | - | 20 |
| Decrease in cash and cash equivalents resulting from exclusion of subsidiaries from consolidation | - | - | - | - | - | - | - | - | -868 | -1 | -227 | - |