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4393TSE Growth

Bank of Innovation,Inc.

バンク・オブ・イノベーション Yahoo Finance

Recent & upcoming events

Aug 14
Earnings 2:00
Q3 earnings announcement (scheduled)
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May 15
Earnings 2:00
Q2 earnings announcement (scheduled)
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Feb 13
Earnings 1:00
Q1 earnings announcement (scheduled)
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2025
Dec 25
Shareholder meeting Time TBD
Shareholders' meeting
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Nov 14
Earnings 1:00
FY earnings announcement (scheduled)
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Nov 13
Est.
Earnings 1:00 approx.
Full-year earnings
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2027
Feb 12
Est.
Earnings 1:00 approx.
Q1 earnings
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May 14
Est.
Earnings 2:00 approx.
Q2 earnings
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Aug 13
Est.
Earnings 2:00 approx.
Q3 earnings
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KPI highlights

FY25
Revenue ¥12.37B YoY -9.2%
Operating income ¥2.15B margin 17.4%
Net income ¥1.35B YoY +50.9%
EPS ¥340 YoY +51.4%
P/E —
ROE 26.3% Equity ratio 73% 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 FY22 Q4FY23 Q1FY23 Q2FY23 Q3FY23 Q4FY24 Q1
Revenue ¥8.37B¥5.54B¥4.00B¥3.42B¥4.18B¥3.63B
Operating income ¥2.83B¥1.56B¥377M¥131M¥582M¥655M
Net income ¥1.95B¥1.09B¥252M¥0¥384M¥435M
Operating CF ——————

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2021–2025）

国内機関 7.6%個人 53.2%未開示 34.3%20212022202320242025
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

樋口　智裕 43.9%樋口　智裕田中　大介 7%田中　大介楽天証券株式会社 3.8%楽天証券株式会社株式会社SBI証券 3.7%株式会社SBI証券株式会社Cygames 2%株式会社Cygames20212022202320242025

Top shareholders — actual figures (as of 2025)

Holder Shares held Ratio Source
樋口 智裕 1,743,100 43.9% Yuho (EDINET)
田中 大介 280,000 7.0% Yuho (EDINET)
楽天証券株式会社 152,700 3.8% Yuho (EDINET)
株式会社SBI証券 147,964 3.7% Yuho (EDINET)
株式会社Cygames 79,100 2.0% Yuho (EDINET)
須田 忠雄 52,300 1.3% Yuho (EDINET)
NOMURA INTERNATIONAL PLC A/C JAPAN FLOW 47,400 1.2% Yuho (EDINET)
BOFAS INC SEGREGATION ACCOUNT 42,700 1.1% Yuho (EDINET)
森 貴義 40,000 1.0% Yuho (EDINET)
THE CHASE MANHATTAN BANK, N.A. LONDON 26,200 0.7% 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 17.0%
✓ Positive operating cash flow ¥2.87B
✓ ROA improved YoY 15.4% → 17.0%
✓ Operating CF exceeds net income (accrual quality) OCF ¥2.87B / net income ¥1.35B
✗ Equity ratio improved* Substitute for the original “decrease in long-term debt” 77.0% → 73.2%
✗ Current ratio improved 4.39× → 3.52×
✓ No dilution (shares outstanding did not increase) 4,003,000 → 4,003,000
✓ Gross margin improved 47.3% → 48.5%
✗ Asset turnover improved 2.35× → 1.56×

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

FY25
Equity ratio 73.2%
Current ratio 3.5×
Years of positive operating CF 2 of last 6 yrs
Payout ratio 0%
Latest fiscal year result Profit (net income ¥1.35B)

Performance history

Last 10 years
0億円53億円107億円160億円213億円 FY18FY19FY20FY21FY22FY23FY24FY25

Income & assets

Unit: ¥100M
Item FY18FY19FY20FY21FY22FY23FY24FY25
Revenue 50.543.030.621.324.3213136124
Operating income 5.285.27-0.60-8.08-10.149.013.321.5
Ordinary income 5.095.15-0.70-8.02-10.249.213.621.9
Net income 3.633.74-0.75-5.42-8.3832.98.9513.5
Total assets 28.131.531.824.720.480.958.079.4
Equity 11.114.012.67.223.9936.844.758.2

Indicators & cash flow

Unit: ¥100M
Item FY18FY19FY20FY21FY22FY23FY24FY25
EPS ——¥-19¥-141¥-218¥823¥225¥340
ROE ——-5.9%-54.7%-151.8%162.2%22.0%26.3%
Operating CF ——-2.47-7.30-9.7452.1-17.228.7
Investing CF ——-0.12-0.650.96-2.78-4.281.23
Financing CF ——3.44-0.753.49-7.39-4.62-1.88
FCF ——-2.59-7.95-8.7849.3-21.429.9

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 ✓

Sector positioning

Relative standing within the sector
Is this information incorrect?

Data provided by Twelve Data