Overview
Other Financing Business

SBI ARUHI Corporation

SBI ARUHI Corporation is Japan's leading mortgage bank, specializing in the origination and servicing of home loans—primarily the government-backed 'ARUHI Flat 35' fixed-rate mortgage product—through securitization as its core funding mechanism. The company has maintained the No. 1 market share in Flat 35 loan origination for 15 consecutive years in Japan's approximately ¥20 trillion annual mortgage market. In addition to its flagship fixed-rate products, the company offers variable-rate mortgages, real estate collateral loans, and leaseback services through its group subsidiaries, operating approximately 100 branches nationwide alongside non-face-to-face digital channels.

Market Cap
¥34.5B
US$220M
EV
¥—B
Stock¥777▼-0.13%
US$1 = ¥156.80 (2026-10-23)
ROE
4.7%
* LTM NI / end-of-period equity
PBR
0.8
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▼-24.8%pt
100
Oct 24, 25 – Oct 23, 26StockTOPIX
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Performance & Balance
Revenue 5Y (¥B)
25.2US$161M'22/322.6US$144M'23/320.4US$130M'24/322.3US$142M'25/325.1US$160M'26/3
Net Income 5Y (¥B)
4.24US$27.0M'22/32.82US$18.0M'23/31.52US$9.67M'24/31.90US$12.1M'25/31.80US$11.5M'26/3
Capital Structure
29%
71%
EquityD/E 2.48xDebt
Liquidity vs Debt 5Y (¥B)▼ Net Debt
CashInv. Sec.Debt
22.2US$142M66.3US$423M'22/317.2US$109M63.1US$402M'23/320.4US$130M73.0US$466M'24/320.1US$129M110US$701M'25/323.9US$153M132US$843M'26/3
Shareholders
Top 10 hold 71.6%
1
SBI Non-Bank Holdings Co., Ltd.
62.83%
2
The Master Trust Bank of Japan, Ltd. (Trust Account)
3.49%
3
PERSHING SECURITIES LTD CLIENT SAFE CUSTODY ASSET ACCOUNT
1.58%
4
Kohei TAKIGUCHI
1.05%
5
INTERACTIVE BROKERS LLC
0.70%
6
Naoki HAYAKAWA
0.44%
7
Hiroshi HAMADA
0.38%
8
JP Morgan Chase Bank 385781
0.37%
9
MORGAN STANLEY & CO. LLC
0.37%
10
Goldman Sachs Japan Co., Ltd. BNYM
0.35%
Management
6 officers
Takeshi YOSHIMURA
Representative Director, Chairman
Apr 1983 Joined The Yamaguchi Bank, Ltd. Oct 2006 General Manager, General Planning Department, Yamaguchi Financial Group, Inc. Jan 2007 General Manager, General Planning Department, The Yamaguchi Bank, Ltd. Jun 2009 Director, The Yamaguchi Bank, Ltd. Jun 2009 Director, Yamaguchi Financial Group, Inc. Jun 2011 Managing Director, Tokuyama Branch Manager, The Yamaguchi Bank, Ltd. Jun 2012 Managing Director, Tokyo Head Office General Manager, The Yamaguchi Bank, Ltd. Jun 2015 Managing Director, The Yamaguchi Bank, Ltd. Jun 2016 Representative Director, President, Yamaguchi Financial Group, Inc. Jun 2016 Director, President (Tooshu), The Yamaguchi Bank, Ltd. Jun 2017 Director, Momiji Bank, Ltd. Jun 2017 Director, Kitakyushu Bank, Ltd. Jun 2018 Director, Chairman, The Yamaguchi Bank, Ltd. Jun 2020 Representative Director, Chairman and Group CEO, Yamaguchi Financial Group, Inc. Jan 2023 Outside Director, the Company Jun 2023 Representative Director, Chairman, the Company (current) Dec 2023 Director, Chairman, SBI Estate Finance Co., Ltd. Feb 2025 Director, Chairman, SBI Shinyo Hosho Co., Ltd. (current)
1960-04-03
Tsutomu IKUMA
Representative Director, President, CEO and COO
Apr 1992 Joined Itochu Corporation Jul 2003 Joined Dell Computer K.K. (now Dell Technologies K.K.) Dec 2005 Joined Revamp Corporation Dec 2009 President, Water Direct Co., Ltd. (now Premium Water Holdings Inc.) Apr 2013 Outside Director, Hoosiers Holdings Co., Ltd. Sep 2015 Joined Hoosiers Holdings Co., Ltd., Senior Managing Director Oct 2017 President, Hoosiers, Inc. May 2020 President, Hoosiers Wellness & Sports Co., Ltd. Apr 2022 Director, Managing Executive Officer, Hoosiers Holdings Co., Ltd. Jun 2023 Joined SBI Holdings, Inc. Jun 2023 Senior Managing Executive Officer, General Manager of Administration Division, SBI Holdings, Inc. Feb 2024 Advisor, the Company Apr 2024 Senior Vice President Executive Officer and COO, the Company Jun 2024 Representative Director, President, CEO and COO, the Company (current) Jun 2025 Director, Chairman, SBI Estate Finance Co., Ltd. (current) Oct 2025 Representative Director, Yuryo Jutaku Loan Co., Ltd. (current)
1967-07-03
Kazuhiko TAKAHASHI
Director
Aug 1997 Joined SoftBank Corp. Aug 2000 Joined SoftBank Finance Corporation (now SoftBank Corp.) Feb 2005 Director, SBI Partners Co., Ltd. (now SBI Holdings, Inc.) Jul 2005 Joined SBI Holdings, Inc. Jun 2010 Director, SBI Guarantee Co., Ltd. (current) Jun 2011 Director, SBI Living Co., Ltd. (now Wave Dash Co., Ltd.) Jun 2013 Director, SBI Wellness Bank Co., Ltd. Jun 2015 Representative Director, President, SBI Estate Management Co., Ltd. (now SBI Private REIT Advisors Co., Ltd.) Jun 2016 Representative Director, President, Sem Corporation (now SBI Estate Finance Co., Ltd.) (current) Jun 2016 Representative Director, President, Sem Real Estate Co., Ltd. (now SBI Smile Co., Ltd.) (current) Dec 2017 Outside Director, Marion Co., Ltd. Sep 2019 Auditor, SBI University (school corporation) (current) Jun 2023 Director, the Company (current)
1970-01-07
Yasuhiro BABA
Director (Full-time Audit and Supervisory Committee Member)
Apr 1983 Joined The Tokyo Bank, Ltd. (now MUFG Bank, Ltd.) Jul 1986 Seconded to Ministry of Finance (temporary transfer) Jul 1988 Returned to The Tokyo Bank, Ltd. (now MUFG Bank, Ltd.) (resigned Oct 2012) Jan 2006 General Manager, Legal Compliance Office, Corporate Planning Department, The Bank of Tokyo-Mitsubishi UFJ, Ltd. (now MUFG Bank, Ltd.) Dec 2009 General Manager, Global Compliance Department, Mitsubishi UFJ Securities Co., Ltd. May 2010 General Manager, Business Management Division, Mitsubishi UFJ Securities Holdings Co., Ltd. May 2010 Special General Manager, Compliance Division, Mitsubishi UFJ Morgan Stanley Securities Co., Ltd. Jun 2017 Auditor, MUS Information Systems Co., Ltd. Jul 2020 General Manager, Legal and Compliance Office, Yamada Consulting Group Co., Ltd. Jun 2022 Full-time Corporate Auditor, the Company Dec 2023 Auditor, SBI Estate Finance Co., Ltd. (current) Jun 2024 Auditor, SBI Guarantee Co., Ltd. (current) Jun 2025 Auditor, SBI Smile Co., Ltd. (current) Jun 2025 Outside Director (Full-time Audit and Supervisory Committee Member), the Company (current)
1961-02-16
Mika YANAGISAWA
Director (Audit and Supervisory Committee Member)
Apr 1990 Joined Mitsubishi Corporation Apr 2005 Legal Training and Research Institute, Supreme Court of Japan (59th class) Oct 2006 Joined City-Yuwa Partners Jan 2016 Joined Dyson K.K., Legal Department Oct 2018 Joined Oakloan Marketing Co., Ltd., Legal Department Jun 2021 Outside Corporate Auditor, Ururu Inc. Feb 2023 Outside Corporate Auditor, Modérato Co., Ltd. Apr 2023 Representative Attorney, WINGS Law Office (current) May 2023 Outside Director (Audit and Supervisory Committee Member), Narumiya International Co., Ltd. Jul 2023 Outside Director, Graniph Inc. Jun 2024 Outside Director, the Company Apr 2025 Vice President, Daiichi Tokyo Bar Association Jun 2025 Outside Director (Audit and Supervisory Committee Member), the Company (current) Dec 2025 Director (Audit and Supervisory Committee Member), Nihon Business Systems, Ltd. (current)
1967-12-12
Rina KADONO
Director (Audit and Supervisory Committee Member)
Apr 2003 Joined Chuo Aoyama Audit Corporation Apr 2006 Registered as Certified Public Accountant Aug 2007 Joined PwC Advisory Co., Ltd. (now PwC Advisory LLC) Jul 2011 Joined KPMG FAS Co., Ltd. Jun 2013 Joined Recruit Holdings Co., Ltd. Jun 2018 Auditor, Happenrokubi Co., Ltd. (current) Oct 2018 Established Rina Kadono CPA Office, Director (current) Oct 2018 Established ACCESSO Inc., Representative Director (current) Jan 2020 Supervisory Officer, Invesco Office J-REIT, Inc. Jul 2020 Outside Auditor, Escrit Inc. Sep 2020 Outside Auditor, Sound Fun Co., Ltd. (current) Jun 2021 Outside Director (Audit and Supervisory Committee Member), Escrit Inc. Sep 2021 Outside Auditor, Linc'well Inc. (current) Jun 2022 Outside Auditor, Nifty Lifestyle Co., Ltd. (current) Jun 2022 Outside Auditor, Living Platform Co., Ltd. (current) Feb 2023 Outside Auditor, Modérato Co., Ltd. Sep 2024 Outside Auditor, UNICON Holdings Inc. (current) Jun 2025 Outside Director (Audit and Supervisory Committee Member), the Company (current)
1980-03-12
Large Shareholding Reports
No filings
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-08-10
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-19
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-02-12
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-12
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-08-04
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-23
Annual Securities Report
Period: Apr 2024 – Mar 2025
EDINETAmended
2025-06-09
Amended Annual Securities Report
Period: Apr 2023 – Mar 2024
TDnet
2025-02-06
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-08
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-01
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-21
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-13
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-13
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-10
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-21
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-13
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-14
Quarterly Securities Report
EDINET
2022-08-12
Quarterly Securities Report
EDINET
2022-06-23
Annual Securities Report
EDINET
2022-02-14
Quarterly Securities Report
EDINET
2021-11-12
Quarterly Securities Report
EDINET
2021-08-13
Quarterly Securities Report
EDINET
2021-06-24
Annual Securities Report
EDINET
2021-02-12
Quarterly Securities Report
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