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CHANGE Holdings,Inc.

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Recent & upcoming events

Aug 13
Earnings 2:00
Q1 earnings announcement (scheduled)
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Jun 25
Shareholder meeting 0:00
Shareholders' meeting
Venue: 東京都港区赤坂九丁目７番１号 東京ミッドタウン・タワー ４階 カンファレンスRoom１ Details
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May 14
Earnings 2:00
FY earnings announcement (scheduled)
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Sep 27
Est.
Dividend Time TBD
Last day with rights (interim)
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Sep 28
Est.
Ex-dividend Time TBD
Ex-rights date (interim)
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Nov 12
Est.
Earnings 1:00 approx.
Q2 earnings
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2027
Feb 11
Est.
Earnings 1:00 approx.
Q3 earnings
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Mar 28
Est.
Dividend Time TBD
Last day with rights (year-end)
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Mar 29
Est.
Ex-dividend Time TBD
Ex-rights date (year-end)
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May 13
Est.
Earnings 2:00 approx.
Full-year earnings
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Aug 12
Est.
Earnings 2:00 approx.
Q1 earnings
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KPI highlights

FY26
Revenue ¥52.83B YoY +13.9%
Operating income ¥11.22B margin 21.2%
Net income ¥6.94B YoY -7.9%
EPS ¥100 YoY -7.2%
P/E —
ROE 15.8% Equity ratio 44% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Quarterly fundamentals

Income & cash flow
Quarter FY23 Q2FY23 Q3FY23 Q4FY24 Q1FY24 Q2FY25 Q2
Revenue ¥5.12B¥9.54B¥14.14B¥8.22B——
Operating income ¥707M¥3.61B¥5.96B¥-519M——
Net income ¥762M¥2.23B¥4.00B¥-2.49B——
Operating CF ——————

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2021–2026）

事業法人 37.1%国内機関 6.2%個人 15.6%未開示 41.1%202120222023202420252026
事業法人国内機関海外機関個人未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

ＳＢＩホールディングス株式会社 37.1%ＳＢＩホールディングス株式会社日本マスタートラスト信託銀行株式会社 4.8%日本マスタートラスト信託銀行株式会社（信託口）神保　吉寿 4.1%神保　吉寿福留　大士 3.2%福留　大士伊藤　彰 1.8%伊藤　彰石原　徹哉 1.8%石原　徹哉金田　憲治 1.7%金田　憲治須永　珠代 1.7%須永　珠代202120222023202420252026

Top shareholders — actual figures (as of 2026)

Holder Shares held Ratio Source
SBIホールディングス株式会社 25,813,200 37.1% Yuho (EDINET)
日本マスタートラスト信託銀行株式会社（信託口） 3,360,500 4.8% Yuho (EDINET)
神保 吉寿 2,840,000 4.1% Yuho (EDINET)
福留 大士 2,229,500 3.2% Yuho (EDINET)
伊藤 彰 1,262,000 1.8% Yuho (EDINET)
石原 徹哉 1,258,000 1.8% Yuho (EDINET)
金田 憲治 1,208,000 1.7% Yuho (EDINET)
須永 珠代 1,195,292 1.7% Yuho (EDINET)
株式会社日本カストディ銀行（信託口） 981,000 1.4% Yuho (EDINET)
高橋 範光 908,000 1.3% Yuho (EDINET)

Source：EDINET（大株主の状況）　Classification inferred from disclosed names

F-Score (Piotroski)

6/9

Checks financial health against 9 criteria and shows how many are met as a fraction (more ✓ marks is healthier). Items with no data are shown as “—” — they're simply excluded from judgment, not counted against the score.

✓ Positive ROA ROA 6.6%
✓ Positive operating cash flow ¥7.25B
✗ ROA improved YoY 7.2% → 6.6%
✓ Operating CF exceeds net income (accrual quality) OCF ¥7.25B / net income ¥6.94B
✓ Equity ratio improved* Substitute for the original “decrease in long-term debt” 39.4% → 44.3%
✗ Current ratio improved 2.13× → 2.00×
✓ No dilution (shares outstanding did not increase) 73,852,362 → 73,852,362
✗ Gross margin improved 55.8% → 54.6%
✓ Asset turnover improved 0.44× → 0.50×

This score is reference information based on our own financial metrics. It is NOT a credit rating issued by a credit rating agency under Article 66-27 of the Financial Instruments and Exchange Act, and is NOT investment advice or a recommendation. Make investment decisions at your own responsibility.

Fact checklist

FY26
Equity ratio 44.3%
Current ratio 2.0×
Years of positive operating CF 6 of last 8 yrs
Payout ratio 29%
Latest fiscal year result Profit (net income ¥6.94B)

Performance history

Last 10 years
0億円132億円264億円396億円528億円 FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26

Income & assets

Unit: ¥100M
Item FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26
Revenue 19.826.070.5117157101200370464528
Operating income 3.315.1410.842.059.945.857.375.6135112
Ordinary income 3.265.149.6036.3——————
Net income 2.303.443.7815.541.030.938.643.375.369.4
Total assets 14.322.71091643944275298931,0481,056
Equity 10.916.662.787.3305335365395413468

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

*Split-adjustedUnit: ¥100M
Item FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26
EPS ——¥7¥25¥59¥43¥53¥60¥107¥100
ROE ——6.8%24.1%21.4%9.7%11.0%11.4%18.7%15.8%
Operating CF ——-0.1044.338.037.4-11.412178.472.5
Investing CF ——-30.5-2.70-11.9-7.84-78.8-137-141-28.4
Financing CF ——57.9-3.49175-2.4116.117813.2-84.2
FCF ——-30.641.626.229.6-90.3-16.8-62.544.1

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Source: EDINET (Annual Securities Report) (fetched 2026-08-29) *Some metrics supplemented from additional sources

Key financial metrics

High ROE ✓ 3-year revenue growth ✓ Dividend grower ✓

Sector positioning

Relative standing within the sector
Is this information incorrect?

Data provided by Twelve Data