Orient Corporation
8585・Prime Market・Other Financing Business
Core Business (Settlement & Guarantee / Card & Loan / Individual Installment / Bank Guarantee)
The overall picture of Orico Group's four core domestic business segments
| Period | Current | Previous | Change |
|---|---|---|---|
| Total business revenue from external customers (4 businesses combined) | ¥212,221 million | ¥208,199 million | ↑ |
| Settlement & Guarantee business revenue | ¥26,007 million | ¥25,041 million | ↑ |
| Card & Loan business revenue | ¥71,612 million | ¥69,984 million | ↑ |
| Individual Installment business revenue | ¥77,002 million | ¥78,233 million | ↓ |
| Bank Guarantee business revenue | ¥37,610 million | ¥35,021 million | ↑ |
| Total consolidated operating revenue | ¥247,631 million | ¥245,270 million | ↑ |
| Consolidated operating profit | ¥14,444 million | ¥12,344 million | ↑ |
| Profit attributable to owners of parent | ¥12,889 million | ¥13,943 million | ↓ |
| Bank Guarantee guarantee balance (contingent liabilities) | ¥2,344,085 million | ¥2,247,452 million | ↑ |
| Total segment assets (4 businesses combined, including securitization and guarantee obligations) | ¥6,344,331 million | - | ↑ |
| Provision for loss on interest repayment (fixed liabilities) | ¥6,346 million | ¥9,569 million | ↓ |
Business Details
Orient Corporation operates four core domestic segments: "Settlement & Guarantee," "Card & Loan," "Individual Installment," and "Bank Guarantee." Centered on Rent Payment Guarantee, Accounts Receivable Payment Guarantee, credit cards and loans, Auto Loan and Shopping Credit, and Personal Loan Guarantee for affiliated financial institutions, the company has built a diversified consumer credit and guarantee model with individuals, corporations, and financial institutions as its customer base. From FY2026 (ending March 2026), the company launched a five-year medium-term management plan with the ultimate goal of "establishing a financial model unique to Orico."
Recent Overview
Settlement & Guarantee and Bank Guarantee led growth, with operating profit up 17% year on year; net profit declined due to the absence of prior-year extraordinary gains
For the full fiscal year ending March 2026, the Settlement & Guarantee Business (up 3.9% year on year), Bank Guarantee Business (up 7.4%), and Card & Loan Business (up 2.3%) all grew, bringing operating revenue to ¥247,631 million (up 1.0% year on year). Reductions in selling, general and administrative expenses (from ¥207,030 million to ¥203,069 million) and a decrease in credit-related expenses in the Overseas Business contributed to operating profit of ¥14,444 million (up 17.0% year on year). On the other hand, because extraordinary gains recorded in the prior fiscal year, including a gain on revision of the retirement benefit plan (¥9,434 million), did not recur, profit attributable to owners of parent was ¥12,889 million (down 7.6% year on year). There was a change in accounting estimate due to a change in the method of recording allowance for doubtful accounts at Orico Product Finance, which increased operating profit and ordinary profit by ¥2,018 million.
Key Products
Growth Drivers
- Solid demand for Rent Payment Guarantee in the Settlement & Guarantee Business (driven by an increase in single-person households and growing preference for renting), improved convenience through electronic applications, and strengthened sales capabilities in the Tokyo metropolitan area
- Steady increase in the number of new affiliated companies for Accounts Receivable Payment Guarantee through strengthened collaboration with Mizuho Bank
- Increase in guarantee balance (¥2,344,085 million) in the Bank Guarantee Business, driven by growth in certificate loan transaction volume
- Strong usage of card shopping at major affiliated partners and expansion of the cashless payment market
- Business structure reform and reallocation of management resources to growth areas under the five-year medium-term management plan (FY2026-FY2030, ending March)
- Improved operational efficiency, productivity, and creation of new customer experiences through the use of AI and digital technology
- Improved profitability in the Individual Installment Business through strengthened collection operations and integration with Orico Product Finance
Risks
- Increase in financial expenses due to continued rise in market interest rates (interest paid: from ¥20,417 million to ¥24,068 million, up 17.9% year on year)
- Downward pressure on personal consumption and a declining trend in loan balances due to continued price increases (loan revenue in the Card & Loan Business down 7.8% year on year)
- Risk of declining transaction volume and profitability in the Individual Installment Business due to price pass-through of rising market interest rates
- Risk of future loss recognition due to the remaining provision for loss on interest repayment (fixed liabilities of ¥6,346 million)
- Temporary nature of the ¥2,018 million profit boost from the change in Orico Product Finance's method of recording allowance for doubtful accounts (change in accounting estimate)
- Impact of geopolitical risks (such as the situation in the Middle East) and U.S. trade policy trends on domestic and overseas economies and financial markets
- System risk from increasing cyber attacks and security risk associated with the promotion of digitalization
Last updated: June 17, 2026