Overview
Other Financing Business

Orient Corporation

Orient Corporation (Orico) is a leading Japanese consumer finance company offering installment credit, credit cards, auto loans, auto leasing, and unsecured personal loans through an extensive merchant network. The company also provides financial guarantee services covering bank loans, rental housing, accounts receivable, and small-ticket leasing. Orico is expanding internationally through auto loan and related businesses in Thailand, the Philippines, and Indonesia.

Market Cap
¥129B
US$823M
EV
¥—B
Stock¥755▼-0.66%
US$1 = ¥157.05 (2026-10-22)
ROE
4.8%
* LTM NI / end-of-period equity
PBR
0.5
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▼-45.5%pt
10012345
Oct 23, 25 – Oct 23, 26StockTOPIX
1Nov 5, 25Strategic Capital, Inc. changed stake (7.28%→8.34%)
2Jan 9, 26Strategic Capital, Inc. changed stake (8.34%→9.36%)
3Jan 20, 26Strategic Capital, Inc. changed stake (9.36%→9.63%)
4Feb 6, 26Strategic Capital, Inc. changed stake (9.63%→10.52%)
5Feb 18, 26Strategic Capital, Inc. changed stake (10.52%→10.77%)
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Generating insights…
Performance & Balance
Revenue 5Y (¥B)
230US$1.46B'22/3228US$1.45B'23/3229US$1.46B'24/3245US$1.56B'25/3248US$1.58B'26/3
EBITDA 5Y (¥B)
54.4US$346M'22/349.6US$316M'23/338.0US$242M'24/332.9US$209M'25/334.5US$219M'26/3
Net Income 5Y (¥B)
19.5US$124M'22/319.0US$121M'23/312.6US$80.0M'24/313.9US$88.8M'25/312.9US$82.1M'26/3
Capital Structure
90%
EquityD/E 8.58xDebt
Liquidity vs Debt 5Y (¥B)▼ Net Debt
CashInv. Sec.Debt
236US$1.50B1,806US$11.5B'22/3248US$1.58B1,739US$11.1B'23/3504US$3.21B2,359US$15.0B'24/3239US$1.52B2,019US$12.9B'25/3181US$1.15B1,991US$12.7B'26/3
Shareholders
Top 10 hold 74.4%
1
Mizuho Bank, Ltd.
48.66%
2
INTERTRUST TRUSTEES(CAYMAN)LIMITED SOLELY IN ITS CAPACITY AS TRUSTEE OF JAPAN-UP (Standing Proxy: Mizuho Bank, Ltd.)
9.74%
3
The Master Trust Bank of Japan, Ltd. (Trust Account)
5.15%
4
Custody Bank of Japan, Ltd. (Trust Account)
2.95%
5
INTERTRUST TRUSTEES CAYMAN LIMITED AS TRUSTEE OF JAPAN-UP UNIT TRUST (Standing Proxy: Tachibana Securities Co., Ltd.)
2.03%
6
J.P.MORGAN MARKETS LIMITED (Standing Proxy: JPMorgan Securities Japan Co., Ltd.)
1.57%
7
Chuo-Nittochi Co., Ltd.
1.11%
8
STATE STREET BANK AND TRUST COMPANY 505223 (Standing Proxy: Mizuho Bank, Ltd.)
1.09%
9
JPMorgan Securities Japan Co., Ltd.
1.07%
10
STATE STREET BANK AND TRUST COMPANY 505001 (Standing Proxy: Mizuho Bank, Ltd.)
0.99%
Management
11 officers
Tetsuo IIMORI
Director, Chairman of the Board
Apr 1984 Joined Mizuho Bank, Ltd. Apr 2009 General Manager, Corporate Planning Department, Mizuho Financial Group, Inc. Apr 2011 Executive Officer, Mizuho Financial Group, Inc. Jun 2011 Executive Officer, Mizuho Bank, Ltd. Jun 2011 General Manager, Corporate Planning Department, Mizuho Bank, Ltd. Apr 2012 Executive Officer, Mizuho Corporate Bank, Ltd. Apr 2012 General Manager, Corporate Planning Department, Mizuho Corporate Bank, Ltd. Apr 2013 Managing Executive Officer, Mizuho Financial Group, Inc. Apr 2013 Head of Retail Banking Unit, Mizuho Financial Group, Inc. Apr 2013 Managing Executive Officer, Mizuho Bank, Ltd. Apr 2013 Managing Executive Officer, Mizuho Corporate Bank, Ltd. Apr 2014 Head of Branch Operations Division, Mizuho Bank, Ltd.; also in charge of Securities and Trust Business Coordination Promotion Department Apr 2016 Co-Head of Retail and Corporate Business Division, Mizuho Bank, Ltd. Apr 2016 Executive Officer in charge of specific operations, Retail and Corporate Business Company, Mizuho Financial Group, Inc. Apr 2017 Representative Director, President, Mizuho Trust & Banking Co., Ltd. Apr 2020 President and Executive Officer, the Company Jun 2020 Representative Director, President and Executive Officer, the Company Apr 2025 Representative Director, Chairman and Executive Officer, the Company Jun 2025 Director, Chairman of the Board, the Company (current)
1960-09-12
Makoto UMEMIYA
Representative Director, President and Executive Officer
Apr 1987 Joined Mizuho Bank, Ltd. Apr 2012 General Manager, Osaka Branch, Mizuho Bank, Ltd. Apr 2015 Executive Officer, General Manager, Financial Planning Department, Mizuho Financial Group, Inc. Apr 2015 Executive Officer, General Manager, Financial Planning Department, Mizuho Bank, Ltd. Apr 2017 Executive Officer, Managing Director, General Manager, Finance & Accounting Group, Mizuho Financial Group, Inc. Apr 2017 Managing Director, General Manager, Finance & Accounting Group, Mizuho Bank, Ltd. Jun 2017 Director and Executive Officer (Managing), General Manager, Finance & Accounting Group, Mizuho Financial Group, Inc. Apr 2020 Director and Senior Managing Executive Officer, General Manager, Finance & Accounting Group, Mizuho Financial Group, Inc. Apr 2020 Deputy President and Executive Officer, General Manager, Finance & Accounting Group, Mizuho Bank, Ltd. Apr 2020 Senior Managing Executive Officer, General Manager, Finance & Accounting Group, Mizuho Trust & Banking Co., Ltd. Apr 2022 Director and Executive Vice President (Representative Executive Officer), in charge of Digital Innovation, General Manager, Finance & Accounting Group, Mizuho Financial Group, Inc. Apr 2022 Deputy President and Executive Officer, in charge of Digital Innovation, General Manager, Finance & Accounting Group, Mizuho Bank, Ltd. Apr 2023 Director and Executive Vice President (Representative Executive Officer), Group CDO, Mizuho Financial Group, Inc. Apr 2023 Deputy President and Executive Officer, CDO, Mizuho Bank, Ltd. Apr 2023 Senior Managing Executive Officer, CDO, Mizuho Trust & Banking Co., Ltd. Apr 2024 Executive Vice President and Executive Officer, the Company Apr 2024 In charge of Corporate Planning Group and Finance & Accounting Group, the Company Jun 2024 Director and Executive Vice President, the Company Nov 2024 Representative Director and Executive Vice President, the Company Apr 2025 Representative Director, President and Executive Officer, the Company (current)
1964-12-23
Hideyuki MATSUOKA
Director, Senior Managing Executive Officer
Apr 1990 Joined the Company Jun 2018 Executive Officer, the Company Apr 2019 General Manager, Corporate Planning Department, Corporate Planning Group, the Company Jun 2020 Managing Executive Officer, the Company Jun 2020 Deputy in charge of Corporate Planning Group; concurrently General Manager, Corporate Planning Department Aug 2020 Deputy in charge of Corporate Planning Group; concurrently General Manager, Corporate Planning Department and Head of Strategy Planning Office Jan 2021 Deputy in charge of Corporate Planning Group; concurrently General Manager, Corporate Planning Department Jun 2022 General Manager, Human Resources & General Affairs Group, the Company Apr 2025 Senior Managing Executive Officer, the Company Apr 2025 General Manager, Human Resources & General Affairs Group; concurrently in charge of Business Management Department and Culture Transformation, Corporate Planning Group Jun 2025 Director and Senior Managing Executive Officer, the Company (current) Apr 2026 General Manager, Human Resources & General Affairs Group; concurrently in charge of CX Management Department and Culture Transformation & Organizational Development, Human Resources & General Affairs Group (current)
1967-12-11
Kazuaki BABA
Representative Director, Managing Executive Officer
Apr 1991 Joined the Company Jun 2018 Executive Officer, the Company Oct 2018 General Manager, Overseas Business Division, Overseas Business Group, the Company Apr 2019 In charge of Overseas Business Group; concurrently Head of Business Development Office, Corporate Planning Group Aug 2020 Deputy in charge of Finance & Accounting Group; concurrently General Manager, Finance Department, and Head of ALM Office, Finance & Accounting Group Apr 2022 Managing Executive Officer, the Company Apr 2022 General Manager, Compliance Group, the Company Apr 2023 General Manager, Business Promotion Division, the Company Oct 2023 General Manager, Business Promotion Division; concurrently General Manager, Business Promotion Planning Department Apr 2024 General Manager, Business Promotion Division, the Company Apr 2025 General Manager, Finance & Accounting Group, the Company Jun 2025 Representative Director and Managing Executive Officer, the Company (current) Apr 2026 General Manager, Finance & Accounting Group; concurrently General Manager, Finance Department, Finance & Accounting Group (current)
1967-08-06
Kazumi NISHINO
Director
Apr 1992 Joined Fujifilm Corporation Apr 2001 Research Assistant (Special Research Fellow), Graduate School of Commerce and Management, Hitotsubashi University Apr 2002 Full-time Lecturer, Faculty of Management, Tokyo University of Science Apr 2004 Full-time Lecturer, Faculty of Management, Tokyo University of Science; concurrently Full-time Lecturer, Graduate School of Science and Technology Management, Tokyo University of Science Apr 2006 Associate Professor, Graduate School of Science and Technology Management (now Graduate School of Management, Technology Management), Tokyo University of Science Apr 2017 Associate Professor, Graduate School of Commerce and Management, Hitotsubashi University Apr 2018 Associate Professor, Graduate School of Business Administration, Hitotsubashi University; concurrently Director, Health Center, Hitotsubashi University Apr 2018 Associate Professor, Graduate School of Business Administration, Hitotsubashi University; concurrently Head, Career Support Office, Student Support Center, Hitotsubashi University Apr 2019 Associate Professor, Graduate School of Business Administration, Hitotsubashi University; concurrently Assistant to Executives (Student Affairs), Hitotsubashi University Jun 2019 Director, the Company (current) Jun 2019 Outside Director, Furukawa Co., Ltd. (current) Dec 2019 Outside Director, Miltel Inc. Sep 2020 Associate Professor, Graduate School of Business Administration, Hitotsubashi University Apr 2022 Professor, Graduate School of Business Administration, Hitotsubashi University Apr 2022 Outside Director, Makino Milling Machine Co., Ltd. Jun 2024 Audit & Supervisory Board Member, Organization for Small & Medium Enterprises and Regional Innovation, Japan (current) Sep 2024 Vice President, Hitotsubashi University; Professor, Graduate School of Business Administration (current) Jun 2026 Outside Director, C1 Capital Inc. (current)
1968-06-09
Tomohiro NISHIHATA
Director
Apr 1984 Joined Japan Airlines Co., Ltd. Apr 2009 General Manager, Domestic Sales Department, Japan Airlines Dec 2010 General Manager, Web Sales Department, Sales Control Headquarters, Japan Airlines Apr 2014 Executive Officer, in charge of Passenger System Promotion Department, Route Business Control Headquarters, Japan Airlines Jul 2018 Executive Officer, General Manager, Innovation Promotion Headquarters, Japan Airlines Apr 2019 Managing Executive Officer, General Manager, Innovation Promotion Headquarters, Japan Airlines Apr 2021 Managing Executive Officer, General Manager, Digital Innovation Headquarters, Japan Airlines Jun 2022 Representative Director, President and CEO, JAL Card Co., Ltd. Jun 2022 Chairman, JAL Group Corporate Pension Fund Dec 2022 Executive Advisor, Sapporo Industrial Promotion Foundation (current) Jan 2024 Advisor, Layers Consulting Inc. (current) Jun 2026 Director, the Company (current)
1961-06-24
Yuji FUKASAWA
Director (Full-time Audit and Supervisory Committee Member)
Apr 1980 Joined Mizuho Bank, Ltd. Apr 2007 Executive Officer, Mizuho Corporate Bank, Ltd. Apr 2007 Senior Advisor, Corporate Banking Unit, Mizuho Corporate Bank, Ltd. Apr 2007 Advisor, the Company Jun 2007 Managing Executive Officer, the Company Jun 2007 In charge of Customer Sales Promotion Group, Sales Division, the Company Jun 2010 In charge of Compliance Group; concurrently in charge of General Affairs Group Dec 2013 In charge of Compliance Group, the Company May 2014 In charge of Credit Management Group, the Company Jun 2016 In charge of Credit Management Group; concurrently in charge of General Affairs Group Apr 2017 In charge of Risk Management Group, the Company Jun 2019 Full-time Audit & Supervisory Board Member, the Company Jun 2022 Director (Full-time Audit and Supervisory Committee Member), the Company (current)
1957-07-23
Iwao MATSUI
Director (Audit and Supervisory Committee Member)
Apr 1980 Appointed Public Prosecutor Jul 2003 General Manager, Criminal Affairs Department, Yokohama District Public Prosecutors Office Jan 2005 General Manager, Special Trial Department, Tokyo District Public Prosecutors Office Apr 2006 General Manager, Criminal Affairs Department, Tokyo District Public Prosecutors Office Oct 2007 Chief Public Prosecutor, Otsu District Public Prosecutors Office Jul 2009 Deputy Superintendent Public Prosecutor, Nagoya High Public Prosecutors Office Oct 2010 Deputy Superintendent Public Prosecutor, Osaka High Public Prosecutors Office Jun 2012 General Manager, Criminal Affairs Department, Supreme Public Prosecutors Office Jan 2014 Chief Public Prosecutor, Yokohama District Public Prosecutors Office Jan 2015 Superintendent Public Prosecutor, Fukuoka High Public Prosecutors Office Nov 2016 Registered as attorney-at-law, Japan Federation of Bar Associations (Tokyo Bar Association) Nov 2016 Joined Shin-Marunouchi Sogo Law Office (current) Jun 2017 Audit & Supervisory Board Member, the Company Jun 2018 Outside Audit & Supervisory Board Member, Nagase & Co., Ltd. (current) Jun 2018 Outside Audit & Supervisory Board Member, Totetsu Kogyo Co., Ltd. (current) Jun 2018 Outside Director (Audit and Supervisory Committee Member), Glove Co., Ltd. (current) Mar 2020 Outside Director, Dentsu Group Inc. Mar 2022 Outside Director (Audit and Supervisory Committee Member), Dentsu Group Inc. Jun 2022 Director (Audit and Supervisory Committee Member), the Company (current) Mar 2023 Outside Director, Dentsu Group Inc. (current)
1953-12-13
Yuka OGASAWARA
Director (Audit and Supervisory Committee Member)
Apr 1999 Joined Japan Bank for International Cooperation Sep 2005 Joined Bain & Company Dec 2009 Senior Research Officer, Japan International Cooperation Agency Apr 2019 Impact Officer, Social Transformation Promotion Foundation (current) May 2022 Outside Audit & Supervisory Board Member, Rennovater Inc. (current) Jun 2022 Outside Director, Nissin Foods Holdings Co., Ltd. (current) Apr 2023 Director, Fujimura Research Institute Co., Ltd. (current) Jun 2024 Director (Audit and Supervisory Committee Member), the Company (current) Jun 2024 Outside Director, RYODEN Corporation (current)
1975-11-10
Kanta KOMATSU
Director (Audit and Supervisory Committee Member)
Apr 1985 Joined Daiwa Securities Co., Ltd. (now Daiwa Securities Group Inc.) Oct 2005 General Manager, Finance Department, Daiwa Securities Group Inc. Oct 2008 President and COO, Daiwa SMBC Europe Limited (London) Apr 2010 Executive Officer, International Planning, Daiwa Capital Markets Co., Ltd. Apr 2011 Executive Officer, in charge of Finance, Daiwa Securities Group Inc. Apr 2011 Executive Officer, in charge of Finance, Daiwa Securities Co., Ltd. Apr 2013 Managing Executive Officer and CFO, Daiwa Securities Group Inc.; also Deputy in charge of Planning and Overseas Apr 2013 Managing Executive Officer, in charge of Finance, Daiwa Securities Co., Ltd. Apr 2016 Senior Managing Executive Officer and CFO, Daiwa Securities Group Inc.; also Deputy in charge of Overseas Apr 2016 Senior Managing Director, in charge of Finance, Daiwa Securities Co., Ltd.; also Deputy in charge of Overseas Jun 2016 Director, Senior Managing Executive Officer and CFO, Daiwa Securities Group Inc.; also Deputy in charge of Overseas Apr 2020 Director and Executive Vice President, Daiwa Securities Group Inc.; also Deputy in charge of Wholesale Division Apr 2020 Representative Director and Executive Vice President, Global Markets Division, Daiwa Securities Co., Ltd. Jun 2020 Executive Vice President, Wholesale Division, Daiwa Securities Group Inc. Apr 2022 Representative Director, President, Daiwa Asset Management Co., Ltd. Apr 2025 Advisor, Daiwa Asset Management Co., Ltd. Jun 2026 Director (Audit and Supervisory Committee Member), the Company (current)
1962-10-12
Keiko HIRAYAMA
Director
Apr 1996 Joined NTT DOCOMO, INC. Feb 2005 Joined Amazon Japan G.K. May 2007 Joined Google G.K. Feb 2015 Head of Brand Marketing; concurrently Head of Search Marketing, Google Japan May 2018 Joined Uber Technologies, Inc., Head of Marketing, Japan Sep 2018 Japan Lead, Women of Uber, Uber Technologies, Inc. Mar 2021 Joined The Walt Disney Company (Japan) Ltd., Director of Marketing & Franchise Development Sep 2021 Director of Marketing & Franchise Development; concurrently Japan Lead, Women BERG, The Walt Disney Company (Japan) Ltd. Jan 2023 Joined Habitto Inc., CMO; concurrently General Manager, Public Relations Jan 2024 Founder; concurrently Representative Director, Blue Blossom Inc. (current) Mar 2024 Advisor, the Company May 2024 Outside Director, Tokyo Kobetsu Shidou Gakuin Co., Ltd. Mar 2025 Outside Director, Popins Inc. (current) Jun 2025 Director, the Company (current)
1973-04-16
Large Shareholding Reports
Muninova Holdings Co., Ltd.
2026-06-12
14.96%
Strategic Capital Co., Ltd.
2026-06-08
11.78%→12.80%
Mizuho Bank, Ltd.
2026-06-08
48.66%→33.70%
Annual report (as of 2026-03-31): 48.66%
Muninova Holdings Co., Ltd.
2026-06-02
14.96%
Mizuho Bank, Ltd.
2026-05-22
48.66%→48.66%
Annual report (as of 2026-03-31): 48.66%
Strategic Capital Co., Ltd.
2026-03-17
10.77%→11.78%
Strategic Capital Co., Ltd.
2026-02-18
10.52%→10.77%
Strategic Capital Co., Ltd.
2026-02-06
9.63%→10.52%
Strategic Capital Co., Ltd.
2026-01-20
9.36%→9.63%
Strategic Capital Co., Ltd.
2026-01-09
8.34%→9.36%
Strategic Capital Co., Ltd.
2025-11-05
7.28%→8.34%
Strategic Capital Co., Ltd.
2025-08-20
6.26%→7.28%
ITOCHU Corporation
2025-08-07
10.54%→4.55%
Strategic Capital Co., Ltd.
2025-07-28
5.23%→6.26%
Strategic Capital Co., Ltd.
2025-07-01
5.23%
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-07-31
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-17
Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINETAmended
2026-06-12
Change Report
EDINET
2026-06-08
Large Shareholding Report
EDINET
2026-06-08
Large Shareholding Report
EDINET
2026-06-02
Large Shareholding Report
EDINET
2026-05-22
Large Shareholding Report
EDINET
2026-03-17
Large Shareholding Report
EDINET
2026-02-18
Large Shareholding Report
EDINET
2026-02-06
Large Shareholding Report
TDnet
2026-01-30
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2026-01-20
Large Shareholding Report
EDINET
2026-01-09
Large Shareholding Report
EDINET
2025-11-14
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2025-11-05
Large Shareholding Report
EDINET
2025-08-20
Large Shareholding Report
EDINET
2025-08-07
Large Shareholding Report
TDnet
2025-07-31
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-07-28
Large Shareholding Report
EDINETAmended
2025-07-03
Amended Annual Securities Report
Period: Apr 2024 – Mar 2025
EDINET
2025-07-01
Large Shareholding Report
EDINET
2025-06-20
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-01-31
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-14
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-07-31
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-25
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-14
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-14
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-14
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINETAmended
2023-07-05
Amended Annual Securities Report
Period: Apr 2022 – Mar 2023
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