Mitsubishi HC Capital Inc.
8593・Prime Market・Other Financing Business
Customer Solutions
A revenue base segment centered on domestic finance solutions for corporate and public-sector customers
| Period | Current | Previous | Change |
|---|---|---|---|
| Segment profit (full year) | ¥41,117 million | ¥36,887 million | ↑ |
| Segment asset balance (period-end) | ¥3,132,649 million | ¥3,004,569 million | ↑ |
| Revenue from external customers (full year) | ¥1,020,996 million | ¥968,851 million | ↑ |
| Year-on-year profit increase | ¥4,230 million (up 11.5%) | － | ↑ |
| Goodwill balance at period-end | ¥533 million | － (zero in prior period) | ↑ |
| Impairment loss (full year) | ¥0 million | ¥0 million | — |
Business Details
Operates the Finance Solutions Business for corporate and public-sector customers, the Energy-Saving Solutions Business, sales finance business in partnership with vendors, real estate leasing business, and financial services business. With Japan's largest customer base, the segment provides financing functions such as leasing, installment sales, and lending, as well as high-value-added services such as GX Assessment Lease and the Energy-Saving IoT Package. Segment assets exceed ¥3 trillion, one of the largest asset scales among the company's seven segments.
Recent Overview
Absorbed the drop-off of prior-period gain on sale of affiliate shares and achieved an 11.5% profit increase to ¥41,117 million
In FY2026 (ending March 2026), despite the drop-off of the gain on sale of affiliate shares recorded in the prior period, segment profit increased by ¥4,230 million (11.5%) year on year to ¥41,117 million, driven by the accumulation of high-profitability assets, increased gain on sale of real estate, and decreased credit-related expenses. Segment asset balance also expanded by ¥128,080 million from the prior period-end to ¥3,132,649 million. The segment continued to expand partnerships for GX Assessment Lease with regional financial institutions and continued new business development investments such as the establishment of MHC Incubation Center.
Key Products
Growth Drivers
- Expansion of stable income gains through accumulation of high-profitability assets
- Improved profitability through decreased credit-related expenses
- Improvement in asset-related profit and loss through increased gain on sale of real estate
- Expansion of customer base through expanded partnerships for GX Assessment Lease with regional financial institutions (Chugin Lease, Yamanashi Chugin Lease, Hirogin Lease, etc.)
- Accelerated market introduction of high-value-added services such as the Energy-Saving IoT Package
- Promotion of high-profitability businesses such as PC-LCM and refurbished PCs
- Acceleration of new business creation through the Innovation Investment Fund and MHC Incubation Center
- Acquisition of new customers and strengthened proposal capabilities through collaboration with external partner companies
Risks
- Profit volatility due to the drop-off of one-time gains such as gain on sale of affiliate shares (drop-off occurred again this period following the prior period)
- Risk of a renewed increase in credit-related expenses (a decrease was a profit-boosting factor this period, but there is a risk of reversal in an economic downturn)
- Intensifying competition in the domestic leasing market and increased funding costs amid rising interest rates
- Uncertainty regarding profit contribution during the launch phase of new high-profitability businesses (GX-related, refurbishment, IoT, etc.)
- Risk of business failure among startups invested in through the Innovation Investment Fund
- Impact on the leasing and installment sales business from changes in the domestic business environment (regulatory changes, tax reforms, etc.)
Last updated: June 23, 2026