Balance Sheet SBI ARUHI Corporation

Equities

7198

JP3126290000

Consumer Lending

Market Closed - Japan Exchange Other stock markets 01:30:00 2026-02-10 am EST			5-day change	1st Jan Change
938.00 ^JPY	+1.19%		+3.65%	+4.22%

Nov. 10	SBI ARUHI Corporation Announces Dividend for the End of Second Quarter of Fiscal Year Ending March 31, 2026, Payable on December 15, 2025	CI
25-09-24	NEC Capital Solutions Unit to Transfer RISA RT Asset Management & Loan Services to SBI ARUHI	MT

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Published financial data: SBI ARUHI CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Revenues	26.82B	25.19B	22.6B	20.4B	22.29B
Total Revenues	26.82B	25.19B	22.6B	20.4B	22.29B
Cost of Goods Sold, Total	3.16B	3.55B	3.56B	3.74B	4.65B
Gross Profit	23.66B	21.64B	19.04B	16.67B	17.64B
Selling General & Admin Expenses, Total	13.86B	13.26B	12.25B	11.41B	12.26B
Depreciation & Amortization - (IS)	1.14B	1.15B	1.23B	1.31B	1.23B
Other Operating Expenses	364M	698M	1.31B	1.6B	1.5B
Other Operating Expenses, Total	15.37B	15.11B	14.79B	14.31B	14.99B
Operating Income	8.29B	6.54B	4.25B	2.36B	2.66B
Interest Expense, Total	-379M	-396M	-170M	-114M	-61M
Net Interest Expenses	-379M	-396M	-170M	-114M	-61M
Other Non Operating Income (Expenses)	39M	38M	44M	99M	37M
EBT, Excl. Unusual Items	7.95B	6.18B	4.12B	2.34B	2.63B
Asset Writedown	-205M	-27M	-2M	-16M	-204M
EBT, Incl. Unusual Items	7.74B	6.15B	4.12B	2.33B	2.43B
Income Tax Expense	2.57B	1.92B	1.32B	838M	530M
Earnings From Continuing Operations	5.18B	4.22B	2.8B	1.49B	1.9B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	5.18B	4.22B	2.8B	1.49B	1.9B
Minority Interest	-	14M	18M	28M	7M
Net Income - (IS)	5.18B	4.24B	2.82B	1.52B	1.9B
Net Income to Common Incl Extra Items	5.18B	4.24B	2.82B	1.52B	1.9B
Net Income to Common Excl. Extra Items	5.18B	4.24B	2.82B	1.52B	1.9B
Per Share Items
Net EPS - Basic	146.57	119.76	79.63	39.42	42.97
Basic EPS - Continuing Operations	146.57	119.76	79.63	39.42	42.97
Basic Weighted Average Shares Outstanding	35.32M	35.4M	35.43M	38.48M	44.31M
Net EPS - Diluted	145.11	119.02	79.4	39.36	42.95
Diluted EPS - Continuing Operations	145.11	119.02	79.4	39.36	42.95
Diluted Weighted Average Shares Outstanding	35.68M	35.62M	35.53M	38.55M	44.35M
Normalized Basic EPS	140.68	109.46	73.21	38.78	37.26
Normalized Diluted EPS	139.27	108.76	73	38.71	37.24
Dividend Per Share	55	60	-	40	40
Payout Ratio	34.75	50.11	75.26	105.54	93.01
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
EBITDA	9.78B	8.02B	5.78B	3.94B	4.16B
EBITA	8.29B	6.54B	4.25B	2.36B	2.66B
EBIT	8.29B	6.54B	4.25B	2.36B	2.66B
EBITDAR	11.06B	9.37B	7.18B	5.3B	5.55B
Effective Tax Rate - (Ratio)	33.16	31.3	31.95	36.01	21.84
Normalized Net Income	4.97B	3.87B	2.59B	1.49B	1.65B
Non-Cash Pension Expense	85M	90M	99M	100M	95M
Supplemental Operating Expense Items
Advertising Expense	989M	801M	648M	585M	598M
Selling and Marketing Expenses	8.61B	7.66B	6.29B	5.4B	6.2B
Net Rental Expense, Total	1.27B	1.36B	1.41B	1.37B	1.39B
Imputed Operating Lease Interest Expense	54.31M	57.74M	29.28M	15.51M	6.54M
Imputed Operating Lease Depreciation	1.22B	1.3B	1.38B	1.35B	1.38B

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	37.4B	22.23B	17.17B	20.42B	20.15B
Short Term Investments	126M	149M	142M	130M	131M
Total Cash And Short Term Investments	37.53B	22.38B	17.31B	20.55B	20.28B
Accounts Receivable, Total	72.61B	69.71B	69.54B	106B	114B
Other Receivables	257M	58M	34M	453M	1.33B
Total Receivables	72.86B	69.77B	69.57B	107B	115B
Inventory	16M	16M	13M	18M	16M
Prepaid Expenses	374M	397M	524M	615M	861M
Other Current Assets, Total	24.69B	29.03B	32.82B	33.87B	34.39B
Total Current Assets	135B	122B	120B	162B	170B
Net Property Plant And Equipment	1.22B	1.56B	1.21B	2.81B	3.99B
Goodwill	24.46B	24.46B	24.46B	24.46B	24.46B
Other Intangibles, Total	3.31B	2.93B	2.7B	2.45B	6.56B
Deferred Tax Assets Long-Term	287M	157M	-	45M	176M
Other Long-Term Assets, Total	6M	7M	5M	8M	8M
Total Assets	165B	151B	149B	191B	206B
Liabilities
Current Income Taxes Payable	1.42B	543M	7M	420M	418M
Other Current Liabilities	14.52B	11.16B	7.41B	4.62B	5.67B
Total Current Liabilities	15.94B	11.7B	7.41B	5.04B	6.09B
Long-Term Debt	80.56B	65.78B	62.73B	96.72B	109B
Long-Term Leases	1.19B	1.25B	830M	602M	604M
Deferred Tax Liability Non Current	-	-	372M	401M	296M
Other Non Current Liabilities	36.98B	40.1B	44.54B	46.64B	47.27B
Total Liabilities	135B	119B	116B	149B	164B
Common Stock, Total	3.47B	3.47B	3.47B	3.47B	3.47B
Additional Paid In Capital	9.06B	8.9B	8.68B	17.89B	17.61B
Retained Earnings	18.64B	20.75B	21.45B	21.36B	21.5B
Treasury Stock	-1.07B	-1.24B	-838M	-712M	-579M
Comprehensive Income and Other	-	1M	-	1M	1M
Total Common Equity	30.09B	31.89B	32.76B	42.01B	42B
Minority Interest	-	-11M	-30M	-58M	148M
Total Equity	30.09B	31.88B	32.74B	41.95B	42.15B
Total Liabilities And Equity	165B	151B	149B	191B	206B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	35.52M	35.35M	35.56M	44.27M	44.35M
ECS Total Common Shares Outstanding	35.5M	35.31M	-	44.27M	44.35M
Book Value / Share	847.65	903.09	921.41	948.99	947.02
Tangible Book Value	2.32B	4.5B	5.6B	15.1B	10.98B
Tangible Book Value Per Share	65.32	127.3	157.48	341	247.54
Total Debt	81.75B	67.03B	63.56B	97.32B	110B
Net Debt	44.22B	44.65B	46.25B	76.77B	89.6B
Debt Equivalent Oper. Leases	10.18B	10.85B	11.25B	10.94B	11.12B
Minority Interest, Total (Incl. Fin. Div)	-	-11M	-30M	-58M	148M
Inventories - Raw Materials, Total	16M	16M	13M	18M	16M
Full Time Employees	425	472	485	484	466

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	7.74B	6.15B	4.12B	2.33B	2.43B
Depreciation & Amortization - CF	1.49B	1.48B	1.53B	1.58B	1.5B
Depreciation & Amortization, Total	1.49B	1.48B	1.53B	1.58B	1.5B
(Gain) Loss From Sale Of Asset	205M	27M	2M	16M	204M
Other Operating Activities, Total	-1.11B	-1.73B	-504M	166M	-262M
Change In Accounts Receivable	-1.83B	6.39B	178M	-5.28B	-9.6B
Change in Other Net Operating Assets	-1.76B	-8.6B	-3.83B	-2.23B	363M
Cash from Operations	4.75B	3.72B	1.5B	-3.42B	-5.37B
Cash Acquisitions	-	-	-	1.21B	-
Sale (Purchase) of Intangible assets	-526M	-522M	-620M	-663M	-5.02B
Other Investing Activities, Total	-251M	-176M	-92M	-1M	-141M
Cash from Investing	-777M	-698M	-712M	544M	-5.16B
Short Term Debt Issued, Total	10.7B	-	-	12.38B	9.42B
Long-Term Debt Issued, Total	15.7B	14B	6.5B	17.2B	10.68B
Total Debt Issued	26.4B	14B	6.5B	29.58B	20.1B
Short Term Debt Repaid, Total	-	-23.3B	-6.9B	-	-
Long-Term Debt Repaid, Total	-3.5B	-5.66B	-2.8B	-21.25B	-7.64B
Total Debt Repaid	-3.5B	-28.96B	-9.7B	-21.25B	-7.64B
Issuance of Common Stock	279M	70M	135M	30M	26M
Repurchase of Common Stock	-301M	-449M	-	-	-
Common Dividends Paid	-1.8B	-2.12B	-2.12B	-1.6B	-1.77B
Common & Preferred Stock Dividends Paid	-1.8B	-2.12B	-2.12B	-1.6B	-1.77B
Other Financing Activities, Total	-2.46B	-723M	-658M	-632M	-455M
Cash from Financing	18.62B	-18.19B	-5.85B	6.13B	10.26B
Miscellaneous Cash Flow Adjustments	-1M	-	-	-	-
Net Change in Cash	22.59B	-15.17B	-5.06B	3.25B	-267M
Supplemental Items
Cash Interest Paid	439M	571M	394M	496M	807M
Cash Income Tax Paid (Refund)	2.71B	2.67B	1.32B	405M	797M
Levered Free Cash Flow	-407M	-704M	-4.55B	-38.16B	-10.02B
Unlevered Free Cash Flow	-170M	-457M	-4.44B	-38.09B	-9.98B
Change In Net Working Capital	6.32B	5.5B	8.01B	40.48B	8.12B
Net Debt Issued / Repaid	22.9B	-14.96B	-3.2B	8.33B	12.46B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	3.48	2.59	1.77	0.87	0.84
Return on Total Capital	5.21	3.88	2.72	1.25	1.14
Return On Equity %	18.25	13.64	8.68	3.99	4.51
Return on Common Equity	18.25	13.68	8.73	4.06	4.53
Margin Analysis
Gross Profit Margin %	88.21	85.91	84.24	81.69	79.14
SG&A Margin	51.69	52.63	54.2	55.9	54.98
EBITDA Margin %	36.47	31.82	25.56	19.29	18.66
EBITA Margin %	30.91	25.94	18.79	11.56	11.91
EBIT Margin %	30.91	25.94	18.79	11.56	11.91
Income From Continuing Operations Margin %	19.3	16.77	12.4	7.3	8.51
Net Income Margin %	19.3	16.83	12.48	7.43	8.54
Net Avail. For Common Margin %	19.3	16.83	12.48	7.43	8.54
Normalized Net Income Margin	18.53	15.38	11.48	7.31	7.41
Levered Free Cash Flow Margin	-1.52	-2.8	-20.12	-187.03	-44.95
Unlevered Free Cash Flow Margin	-0.63	-1.81	-19.65	-186.68	-44.78
Asset Turnover
Asset Turnover	0.18	0.16	0.15	0.12	0.11
Fixed Assets Turnover	23.87	18.09	16.31	10.16	6.56
Receivables Turnover (Average Receivables)	0.38	0.35	0.32	0.23	0.2
Inventory Turnover (Average Inventory)	191.64	221.75	245.72	241.03	273.47
Short Term Liquidity
Current Ratio	8.5	10.39	16.22	32.07	28
Quick Ratio	6.93	7.87	11.72	25.22	22.21
Operating Cash Flow to Current Liabilities	0.3	0.32	0.2	-0.68	-0.88
Days Sales Outstanding (Average Receivables)	948.36	1.03K	1.12K	1.57K	1.8K
Days Outstanding Inventory (Average Inventory)	1.9	1.65	1.49	1.52	1.33
Long Term Solvency
Total Debt/Equity	271.65	210.27	194.17	231.96	260.67
Total Debt / Total Capital	73.09	67.77	66.01	69.88	72.27
LT Debt/Equity	271.65	210.27	194.17	231.96	260.67
Long-Term Debt / Total Capital	73.09	67.77	66.01	69.88	72.27
Total Liabilities / Total Assets	81.74	78.85	77.97	78.07	79.51
EBIT / Interest Expense	21.87	16.5	24.98	20.68	43.52
EBITDA / Interest Expense	25.81	20.24	33.98	34.53	68.2
(EBITDA - Capex) / Interest Expense	25.81	20.24	33.98	34.53	68.2
Total Debt / EBITDA	8.36	8.36	11	24.72	26.41
Net Debt / EBITDA	4.52	5.57	8.01	19.5	21.54
Total Debt / (EBITDA - Capex)	8.36	8.36	11	24.72	26.41
Net Debt / (EBITDA - Capex)	4.52	5.57	8.01	19.5	21.54
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	2.36	-6.08	-10.27	-9.72	9.25
Gross Profit, 1 Yr. Growth %	0.31	-8.53	-12.03	-12.44	5.84
EBITDA, 1 Yr. Growth %	7.21	-18.05	-27.93	-31.87	5.69
EBITA, 1 Yr. Growth %	6.46	-21.17	-35.01	-44.48	12.6
EBIT, 1 Yr. Growth %	6.46	-21.17	-35.01	-44.48	12.6
Earnings From Cont. Operations, 1 Yr. Growth %	4.12	-18.39	-33.66	-46.88	27.4
Net Income, 1 Yr. Growth %	4.12	-18.12	-33.45	-46.22	25.51
Normalized Net Income, 1 Yr. Growth %	8.16	-22.02	-33.06	-42.46	10.65
Diluted EPS Before Extra, 1 Yr. Growth %	4.66	-17.98	-33.29	-50.43	9.12
Accounts Receivable, 1 Yr. Growth %	8.74	-3.99	-0.25	52.54	7.11
Inventory, 1 Yr. Growth %	-5.88	0	-18.75	38.46	-11.11
Net Property, Plant and Equip., 1 Yr. Growth %	19.22	27.9	-22.65	132.09	42.09
Total Assets, 1 Yr. Growth %	24.27	-8.53	-1.39	28.76	7.49
Tangible Book Value, 1 Yr. Growth %	-230.13	93.83	24.58	169.57	-27.27
Common Equity, 1 Yr. Growth %	12.99	5.97	2.75	28.22	-0.02
Cash From Operations, 1 Yr. Growth %	-35.87	-21.77	-59.77	-329.1	56.67
Levered Free Cash Flow, 1 Yr. Growth %	-98.99	73.16	545.89	739.13	-73.74
Unlevered Free Cash Flow, 1 Yr. Growth %	-99.58	169	872.71	757.6	-73.8
Dividend Per Share, 1 Yr. Growth %	7.84	9.09	-	-	0
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	6.06	-1.95	-8.2	-10	-0.69
Gross Profit, 2 Yr. CAGR %	8.39	-4.21	-10.3	-12.24	-3.73
EBITDA, 2 Yr. CAGR %	4.2	-6.27	-23.15	-29.93	-15.14
EBITA, 2 Yr. CAGR %	9.61	-8.39	-28.42	-39.93	-20.93
EBIT, 2 Yr. CAGR %	9.61	-8.39	-28.42	-39.93	-20.93
Earnings From Cont. Operations, 2 Yr. CAGR %	9.57	-7.82	-26.42	-40.63	-17.73
Net Income, 2 Yr. CAGR %	9.57	-7.67	-26.18	-40.18	-17.85
Normalized Net Income, 2 Yr. CAGR %	12.5	-8.16	-27.75	-37.94	-20.21
Diluted EPS Before Extra, 2 Yr. CAGR %	11.27	-7.35	-26.03	-42.49	-26.45
Accounts Receivable, 2 Yr. CAGR %	31.33	2.18	-2.14	23.35	27.82
Inventory, 2 Yr. CAGR %	33.33	-2.99	-9.86	6.07	10.94
Net Property, Plant and Equip., 2 Yr. CAGR %	57.76	23.49	-0.53	33.99	81.6
Total Assets, 2 Yr. CAGR %	28.75	6.62	-5.03	12.68	17.64
Tangible Book Value, 2 Yr. CAGR %	-54.53	58.82	55.4	83.26	40.02
Common Equity, 2 Yr. CAGR %	12.32	9.42	4.35	14.78	13.22
Cash From Operations, 2 Yr. CAGR %	16.53	-29.17	-43.9	-4	89.45
Levered Free Cash Flow, 2 Yr. CAGR %	-6.45	-86.77	234.43	636.2	48.43
Unlevered Free Cash Flow, 2 Yr. CAGR %	9.53	-89.31	411.52	813.34	49.91
Dividend Per Share, 2 Yr. CAGR %	11.8	8.47	-	-18.35	-
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	9.49	1.85	-4.81	-8.71	-3.99
Gross Profit, 3 Yr. CAGR %	10.34	2.43	-6.89	-11.02	-6.58
EBITDA, 3 Yr. CAGR %	8.41	-3.82	-14.13	-26.17	-19.64
EBITA, 3 Yr. CAGR %	12.03	-1.8	-18.3	-34.23	-25.94
EBIT, 3 Yr. CAGR %	12.03	-1.8	-18.3	-34.23	-25.94
Earnings From Cont. Operations, 3 Yr. CAGR %	2.77	-0.68	-17.39	-33.99	-23.43
Net Income, 3 Yr. CAGR %	2.77	-0.57	-17.21	-33.58	-23.42
Normalized Net Income, 3 Yr. CAGR %	14.28	-0.44	-17.35	-33.03	-24.74
Diluted EPS Before Extra, 3 Yr. CAGR %	3.26	0.51	-16.96	-35.27	-28.81
Accounts Receivable, 3 Yr. CAGR %	28.62	18.31	1.36	13.47	17.68
Inventory, 3 Yr. CAGR %	16.96	21.14	-8.55	4	0
Net Property, Plant and Equip., 3 Yr. CAGR %	76.57	47.1	5.66	31.93	36.64
Total Assets, 3 Yr. CAGR %	25.03	14.88	3.88	5.11	10.92
Tangible Book Value, 3 Yr. CAGR %	-40.06	-26.27	46.47	86.72	34.67
Common Equity, 3 Yr. CAGR %	12.13	10.16	7.15	11.76	9.62
Cash From Operations, 3 Yr. CAGR %	26.19	2.04	-41.34	-10.33	13.03
Levered Free Cash Flow, 3 Yr. CAGR %	-57.25	14.86	-51.66	354.44	142.33
Unlevered Free Cash Flow, 3 Yr. CAGR %	-68.35	47.78	-51.92	507.68	179.61
Dividend Per Share, 3 Yr. CAGR %	35.72	10.89	-	-10.07	-12.64
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	9.67	3.24	2.04	-3.07	-3.18
Gross Profit, 5 Yr. CAGR %	10.6	3.96	1.57	-3.71	-5.64
EBITDA, 5 Yr. CAGR %	-	-	-5.53	-15.26	-14.54
EBITA, 5 Yr. CAGR %	13.3	4.71	-6.35	-19.32	-19.36
EBIT, 5 Yr. CAGR %	13.3	4.71	-6.35	-19.32	-19.36
Earnings From Cont. Operations, 5 Yr. CAGR %	25.47	5.54	-10.08	-19.16	-17.53
Net Income, 5 Yr. CAGR %	33.87	5.61	-9.97	-18.86	-17.47
Normalized Net Income, 5 Yr. CAGR %	20.69	4.98	-4.87	-17.59	-18.5
Diluted EPS Before Extra, 5 Yr. CAGR %	33.91	5.51	-9.64	-19.61	-20.89
Accounts Receivable, 5 Yr. CAGR %	19.63	13.35	15.3	20.3	11.22
Inventory, 5 Yr. CAGR %	-	-	5.39	14.87	-1.21
Net Property, Plant and Equip., 5 Yr. CAGR %	34.76	38.29	40.35	41.71	31.22
Total Assets, 5 Yr. CAGR %	12.87	11.56	12.01	14	9.18
Tangible Book Value, 5 Yr. CAGR %	-29.52	-14.89	-12.26	6.12	43.86
Common Equity, 5 Yr. CAGR %	11.55	9.07	8.95	11.99	9.54
Cash From Operations, 5 Yr. CAGR %	-	-	-8.76	-0.42	-6.24
Levered Free Cash Flow, 5 Yr. CAGR %	-	-	-2.67	141.49	-24.28
Unlevered Free Cash Flow, 5 Yr. CAGR %	-	-	-3.67	206.21	-24.23
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-1.89	-4.74