ORIX Corporation (IX) 10-Year Financial Performance & Capital Metrics

IX • • Banking & Credit

Financial ServicesCredit ServicesBusiness Development & Commercial LendingMiddle Market Lenders

AboutORIX Corporation provides diversified financial services in Japan, the Americas, Asia, Europe, Australasia, the Middle East, and internationally. The company's Corporate Financial Services and Maintenance Leasing segment is involved in the finance and fee; leasing and rental of automobiles, electronic measuring instruments, and ICT-related equipment businesses; and provision of life insurance and environment and energy-related products and services. Its Real Estate segment develops, rents, and manages real estate properties; operates facilities; manages residential condominiums and office building; and provides construction contracting, real estate brokerage, and real estate investment advisory services. The company's PE Investment and Concession segment engages in the private equity (PE) investment and concession businesses. Its Environment and Energy segment provides renewable energy; ESCO; retails electric power; sells solar panels and battery electricity storage systems; and recycling and waste management services. The company's Insurance segment sells life insurance products through agents, banks, and other financial institutions, as well as face-to-face and online. Its Banking and Credit segment provides banking and consumer finance services. The company's Aircraft and Ships segment engages in the aircraft leasing and management, and ship-related finance and investment businesses. Its ORIX USA segment offers finance, investment, and asset management services. The company's ORIX Europe segment provides equity and fixed income asset management services. Its Asia and Australia segment offers finance and investment businesses. The company was formerly known as Orient Leasing Co., Ltd. and changed its name to ORIX Corporation in 1989. ORIX Corporation was incorporated in 1950 and is headquartered in Tokyo, Japan.Show more

Net Interest Income -$169.05B -205.9%
Total Revenue $2874.82B +2.1%
Net Income $351.63B +1.6%
Return on Equity 8.58% -7.6%
Net Interest Margin -1% -202.5%
Efficiency Ratio 30.22% +4.6%
ROA 2.12% -3.3%
Equity / Assets 24.73% +0.4%
Book Value per Share 18220.93 +5.2%
Tangible BV/Share 12876.11 -25.6%
Debt/Equity 1.51 -2.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 30.2% efficiency ratio
✓Momentum leader: RS Rating 80 (top 20%)
✓Well capitalized: 24.7% equity/assets
✓Diversified revenue: 100.0% from non-interest income
✓Trading near 52-week high
✓Trading at only 0.0x book value

✗Weaknesses

✗Weak NIM of -1.0%

Price & Volume

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Growth Metrics

Revenue CAGR

10Y7.95%

5Y14.98%

3Y20.79%

TTM-

Profit (Net Income) CAGR

10Y4.11%

5Y3.04%

3Y3.48%

TTM9.68%

EPS CAGR

10Y5.55%

5Y5.31%

3Y5.25%

TTM-43.8%

ROCE

10Y Avg3.36%

5Y Avg2.92%

3Y Avg2.64%

Latest2.49%

Peer Comparison

Middle Market Lenders

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GSBDGoldman Sachs BDC, Inc.	1.08B	9.43	17.15	-57.7%	32.67%	9.15%	18.68%	1.23
CSWCCapital Southwest Corporation	1.36B	23.72	16.14	7.67%	43.07%	9.13%		1.08
HCXYHercules Capital, Inc.	2.36B	25.18	15.64	-9.71%	62.54%	14.13%		0.90
TRINITrinity Capital Inc. 7.875% Notes Due 2029	1.91B	25.41	12.10	29.68%	50.98%	15.22%	4.92%	1.08
HTGCHercules Capital, Inc.	3.45B	18.97	11.78	-12.79%	61.03%	14.17%		0.90
TSLXSixth Street Specialty Lending, Inc.	2.12B	22.40	11.03	-2.72%	51.86%	11.83%	8.85%	1.18
MAINMain Street Capital Corporation	5.75B	64.20	10.97	18.32%	70.11%	18.28%		0.76
GBDCGolub Capital BDC, Inc.	3.68B	13.95	9.82	80.52%	46.2%	9.4%

Profit & Loss

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Net Interest Income+	128.07B	138.94B	151.44B	149.56B	177.73B	193.13B	213.47B	191.86B	159.67B	-169.05B
NII Growth %	0.12%	0.08%	0.09%	-0.01%	0.19%	0.09%	0.11%	-0.1%	-0.17%	-2.06%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	200.89B	211.85B	228.25B	242.89B	276.86B	271.19B	281.7B	319.48B	348B	0
Interest Expense	72.82B	72.91B	76.81B	93.34B	99.14B	78.07B	68.23B	127.62B	188.33B	169.05B
Loan Loss Provision	11.72B	22.67B	17.27B	22.52B	24.43B	16.02B	5.39B	8.12B	1.45T	1.51T
Non-Interest Income+	970.15B	1.08T	1.15T	1.15T	1.15T	1.23T	1.35T	1.44T	2.47T	2.87T
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	1.17T	1.29T	1.38T	1.39T	1.43T	1.5T	1.63T	1.76T	2.81T	2.87T
Revenue Growth %	-0.12%	0.1%	0.06%	0.01%	0.03%	0.05%	0.09%	0.08%	0.6%	0.02%
Non-Interest Expense	695.2B	771.44B	845.64B	878.31B	894.32B	1.12T	1.05T	1.23T	813.33B	868.72B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	391.3B	424.96B	435.5B	395.73B	412.56B	287.56B	509.45B	392.18B	360.71B	331.83B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.14%	0.09%	0.02%	-0.09%	0.04%	-0.3%	0.77%	-0.23%	-0.08%	-0.08%
Pretax Income+	391.3B	424.96B	435.5B	395.73B	412.56B	287.56B	509.45B	392.18B	469.98B	480.46B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	120.31B	144.04B	113.91B	68.69B	105.84B	90.75B	186.59B	95.25B	131.39B	128.83B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	260.17B	273.24B	313.13B	323.75B	302.7B	192.38B	317.38B	290.34B	346.13B	351.63B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.11%	0.05%	0.15%	0.03%	-0.07%	-0.36%	0.65%	-0.09%	0.19%	0.02%
Net Income (Continuing)	270.99B	280.93B	321.59B	327.04B	306.72B	196.81B	322.85B	296.93B	338.59B	351.63B
EPS (Diluted)+	992.60	1043.40	1220.75	1263.50	1185.85	776.95	1317.10	1228.25	1490.25	1535.80
EPS Growth %	0.11%	0.05%	0.17%	0.04%	-0.06%	-0.34%	0.7%	-0.07%	0.21%	0.03%
EPS (Basic)	993.65	1044.40	1222.00	1264.60	1186.90	777.70	1318.60	1229.90	1492.75	1538.70
Diluted Shares Outstanding	262.1M	261.88M	256.51M	256.23M	255.26M	247.62M	240.97M	236.39M	232.26M	228.96M

Balance Sheet

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	730.42B	1.04T	1.32T	1.16T	982.67B	951.24B	954.83B	1.23T	1.03T	1.21T
Short Term Investments	0	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	2.88T	2.55T	2.32T	2.77T	4.7T	7.14T	6.01T	6.18T	8.48T	8.58T
Investments Growth %	-0.49%	-0.11%	-0.09%	0.19%	0.7%	0.52%	-0.16%	0.03%	0.37%	0.01%
Long-Term Investments	2.88T	2.55T	2.32T	2.77T	3.07T	5.13T	3.83T	3.94T	5.81T	5.97T
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	332.15B	341.18B	368.63B	430.68B	443.82B	0	488.86B	627.68B	0	621.86B
Intangible Assets	403.19B	413.35B	467.86B	458.67B	462.2B	0	473.88B	590.41B	0	601.87B
PP&E (Net)	2.99T	3.03T	3.09T	3.01T	2.14T	2.12T	910.01B	973.06B	2.09T	2.13T
Other Assets	-788.63B	-800.21B	-868.52B	-464.64B	-933.1B	1.94T	315.94B	130.84B	2.45T	1.35T
Total Current Assets	1.03T	1.32T	1.62T	1.47T	3.98T	4.37T	4.58T	5.04T	5.97T	6.19T
Total Non-Current Assets	5.86T	5.58T	5.41T	5.78T	5.21T	9.2T	6.07T	6.31T	10.35T	10.67T
Total Assets+	10.99T	11.23T	11.43T	12.17T	13.07T	13.56T	14.27T	15.27T	16.32T	16.87T
Asset Growth %	-0.04%	0.02%	0.02%	0.07%	0.07%	0.04%	0.05%	0.07%	0.07%	0.03%
Return on Assets (ROA)	0.02%	0.02%	0.03%	0.03%	0.02%	0.01%	0.02%	0.02%	0.02%	0.02%
Accounts Payable	246.42B	251.8B	262.3B	293.48B	282.73B	260.71B	291.42B	366.85B	362.5B	339.79B
Total Debt+	4.29T	4.14T	4.13T	4.5T	4.62T	4.72T	4.87T	5.72T	6.2T	6.28T
Net Debt	3.56T	3.1T	2.81T	3.33T	3.63T	3.77T	3.91T	4.49T	5.17T	5.08T
Long-Term Debt	3.94T	3.85T	3.83T	4.19T	4.28T	4.42T	4.43T	5.21T	5.63T	5.73T
Short-Term Debt	349.62B	283.47B	306.75B	309.55B	336.83B	307.27B	439.64B	508.8B	570.79B	549.68B
Other Liabilities	-3.94T	-3.85T	-3.83T	-4.19T	-4.28T	2.82T	-4.43T	-5.21T	2.99T	3.1T
Total Current Liabilities	615.84B	535.27B	569.05B	603.03B	619.56B	2.89T	731.06B	875.65B	3.18T	3.34T
Total Non-Current Liabilities	4.28T	4.21T	4.17T	4.5T	4.61T	7.57T	4.77T	5.57T	9.12T	9.36T
Total Liabilities	8.52T	8.58T	8.63T	9.22T	10T	10.46T	10.9T	11.84T	12.3T	12.69T
Total Equity+	2.47T	2.65T	2.8T	2.95T	3.07T	3.1T	3.37T	3.43T	4.02T	4.17T
Equity Growth %	0.07%	0.07%	0.06%	0.06%	0.04%	0.01%	0.09%	0.02%	0.17%	0.04%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.11%	0.11%	0.11%	0.11%	0.1%	0.06%	0.1%	0.09%	0.09%	0.09%
Book Value per Share	9434.55	10110.21	10911.35	11525.79	12010.46	12531.94	13990.93	14498.56	17316.50	18220.93
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	220.47B	220.52B	220.96B	221.11B	221.11B	221.11B	221.11B	221.11B	221.11B	221.11B
Additional Paid-in Capital	257.63B	268.14B	267.29B	257.63B	257.64B	259.36B	260.48B	233.17B	233.46B	234.19B
Retained Earnings	1.86T	2.08T	2.32T	2.56T	2.75T	2.74T	2.91T	3.05T	3.26T	3.35T
Accumulated OCI	-6.22B	-21.27B	-45.57B	-61.34B	-118.53B	-84.65B	-16.04B	156.13B	357.15B	341.3B
Treasury Stock	-25.69B	-37.17B	-75.55B	-75.9B	-121.07B	-111.95B	-113.45B	-121.26B	-129.98B	-61.73B
Preferred Stock	0	2.08T	2.32T	2.56T	0	0	0	0	0	0

Cash Flow

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations+	510.56B	583.8B	568.79B	587.68B	1.04T	1.1T	1.1T	913.09B	1.24T	1.3T
Operating CF Growth %	0.98%	0.14%	-0.03%	0.03%	0.77%	0.06%	0%	-0.17%	0.36%	0.05%
Net Income	270.99B	280.93B	321.59B	327.04B	306.72B	196.81B	322.85B	296.93B	338.59B	351.63B
Depreciation & Amortization	244.85B	253.68B	279.92B	295.59B	304.2B	315.95B	320.34B	340.25B	364.24B	399.53B
Deferred Taxes	42.53B	25.32B	5.59B	-35.13B	14.89B	25.52B	12.21B	36.95B	20B	23.35B
Other Non-Cash Items	-131.87B	-96.34B	-69.38B	-154.32B	280.43B	332.38B	121.47B	220.91B	291.86B	254.56B
Working Capital Changes	84.06B	120.22B	31.07B	154.5B	135.81B	230.86B	325.31B	17.11B	228.72B	271.12B
Cash from Investing+	-552.53B	-225.26B	-439.12B	-873.95B	-1.47T	-1.21T	-808.85B	-1.1T	-1.37T	-1.31T
Purchase of Investments	-968.8B	-540.89B	-549.93B	-901.2B	-809.73B	-878.59B	-655.46B	-631.01B	-794.7B	-842.15B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-7.89B	-23.87B	-22.76B	-62.52B	-43.06B	-24.44B	165.34B	-186.84B	97.04B	21.17B
Other Investing	591.89B	545B	512.29B	715.4B	-71.06B	63.77B	149.29B	290.35B	202.12B	195.07B
Cash from Financing+	-48B	-33.73B	141.01B	166.65B	288.7B	39.88B	-306.62B	438.31B	-85.48B	149.32B
Dividends Paid	-76.03B	-61.3B	-72.76B	-88.44B	-103.82B	-95.16B	-99.39B	-106.29B	-99.9B	-135.59B
Share Repurchases	-2M	-12.13B	-39.11B	-707M	-45.72B	-55.44B	-50B	-52.07B	-50B	-53.52B
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	1000K	1000K	1000K	-1000K	1000K	1000K	1000K
Other Financing	90.44B	190.25B	128.25B	95.43B	320.17B	92.71B	-35.74B	-90.86B	12.61B	205.78B
Net Change in Cash+	-97.1B	321.81B	271.9B	-121.54B	-148.3B	-55.71B	12.24B	275.1B	-181.6B	136.68B
Exchange Rate Effect	-1000K	-1000K	1000K	-1000K	-1000K	1000K	1000K	1000K	1000K	-1000K
Cash at Beginning	827.52B	811.4B	1.13T	1.41T	1.28T	1.14T	1.08T	1.09T	1.37T	1.19T
Cash at End	730.42B	1.13T	1.41T	1.28T	1.14T	1.08T	1.09T	1.37T	1.19T	1.32T
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	-572.08B	-406.1B	-482.47B	-472.62B	49.55B	341.72B	186.07B	-166.99B	42.53B	-57.48B
FCF Growth %	0.22%	0.29%	-0.19%	0.02%	1.1%	5.9%	-0.46%	-1.9%	1.25%	-2.35%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	10.86%	10.67%	11.5%	11.26%	10.06%	6.24%	9.8%	8.54%	9.29%	8.58%
Return on Assets (ROA)	2.32%	2.46%	2.76%	2.74%	2.4%	1.44%	2.28%	1.97%	2.19%	2.12%
Net Interest Margin	1.17%	1.24%	1.33%	1.23%	1.36%	1.42%	1.5%	1.26%	0.98%	-1%
Efficiency Ratio	59.37%	59.71%	61.49%	63.19%	62.52%	74.55%	64.25%	69.98%	28.9%	30.22%
Equity / Assets	22.49%	23.57%	24.5%	24.26%	23.46%	22.88%	23.62%	22.45%	24.64%	24.73%
Book Value / Share	9.43K	10.11K	10.91K	11.53K	12.01K	12.53K	13.99K	14.5K	17.32K	18.22K
NII Growth	12.11%	8.49%	8.99%	-1.24%	18.84%	8.67%	10.53%	-10.12%	-16.78%	-205.87%
Dividend Payout	29.22%	22.43%	23.23%	27.32%	34.3%	49.47%	31.32%	36.61%	28.86%	38.56%

Revenue by Segment

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Sales of Goods and Real Estate and Service	-	-	-	1.41T	1.18T	1.09T	-	1.32T	1.34T	1.39T
Sales of Goods and Real Estate and Service Growth	-	-	-	-	-16.43%	-7.76%	-	-	1.23%	4.00%
Asset Management And Servicing	-	-	-	191.82B	181.85B	173.19B	-	-	244.51B	275.93B
Asset Management And Servicing Growth	-	-	-	-	-5.20%	-4.76%	-	-	-	12.85%
Product	-	-	-	-	-	-	-	-	266.39B	269.05B
Product Growth	-	-	-	-	-	-	-	-	-	1.00%
Environmental And Energy	-	-	-	132.24B	141.53B	137.01B	-	-	158.07B	175.65B
Environmental And Energy Growth	-	-	-	-	7.02%	-3.19%	-	-	-	11.12%
Real Estate Contract Work	-	-	-	82.22B	88.97B	80.18B	-	-	152.02B	162.92B
Real Estate Contract Work Growth	-	-	-	-	8.21%	-9.88%	-	-	-	7.17%
Real Estate	-	-	-	-	-	359.8B	-	92.67B	107.52B	104.11B
Real Estate Growth	-	-	-	-	-	-	-	-	16.03%	-3.18%
Real Estate Managment and Brokerage	-	-	-	103.06B	104.11B	101.94B	-	-	99.84B	102.37B
Real Estate Managment and Brokerage Growth	-	-	-	-	1.02%	-2.08%	-	-	-	2.53%
Product and Service, Other	-	-	-	-	-	-	-	-	107.19B	91.51B
Product and Service, Other Growth	-	-	-	-	-	-	-	-	-	-14.63%
Automobile Services	-	-	-	78.72B	77.99B	72B	-	-	88.33B	87.17B
Automobile Services Growth	-	-	-	-	-0.93%	-7.68%	-	-	-	-1.30%
Facilities Operation	-	-	-	104B	69.3B	23.81B	-	-	76.09B	83.56B
Facilities Operation Growth	-	-	-	-	-33.37%	-65.64%	-	-	-	9.82%
Service	-	-	-	818.79B	776.01B	679.85B	816.6B	-	-	-
Service Growth	-	-	-	-	-5.23%	-12.39%	20.12%	-	-	-
Life Insurance Premiums And Related Investment Income	-	-	-	347.14B	367.78B	487.55B	481.81B	-	-	-
Life Insurance Premiums And Related Investment Income Growth	-	-	-	-	5.95%	32.57%	-1.18%	-	-	-
Operating Leases	-	-	-	413.92B	430.67B	397.06B	450.45B	-	-	-
Operating Leases Growth	-	-	-	-	4.05%	-7.80%	13.45%	-	-	-
Sales of Goods and Real Estate	-	-	-	596.16B	406.51B	410.95B	435.4B	-	-	-
Sales of Goods and Real Estate Growth	-	-	-	-	-31.81%	1.09%	5.95%	-	-	-
Finance Revenues	-	-	-	242.89B	276.86B	271.19B	279.59B	-	-	-
Finance Revenues Growth	-	-	-	-	13.99%	-2.05%	3.10%	-	-	-
Gains (Losses) on Investment Securities and Dividends	-	-	-	15.96B	22.5B	46.1B	56.51B	-	-	-
Gains (Losses) on Investment Securities and Dividends Growth	-	-	-	-	40.99%	104.88%	22.59%	-	-	-
Other Revenue	-	-	-	1.04T	1.11T	1.21T	-	-	-	-
Other Revenue Growth	-	-	-	-	6.42%	8.96%	-	-	-	-
Life insurance premiums	-	-	-	330.81B	360.58B	403.8B	-	-	-	-
Life insurance premiums Growth	-	-	-	-	9.00%	11.99%	-	-	-	-
Sale Of Goods	-	-	-	462.03B	287.56B	321.88B	-	-	-	-
Sale Of Goods Growth	-	-	-	-	-37.76%	11.94%	-	-	-	-
Real Estate Sales	-	-	-	134.14B	118.95B	89.07B	-	-	-	-
Real Estate Sales Growth	-	-	-	-	-11.32%	-25.12%	-	-	-	-
Other Goods and Services	-	-	-	107.34B	104.06B	88.47B	-	-	-	-
Other Goods and Services Growth	-	-	-	-	-3.06%	-14.98%	-	-	-	-
Life insurance related investment income (loss)	-	-	-	16.32B	7.2B	83.75B	-	-	-	-
Life insurance related investment income (loss) Growth	-	-	-	-	-55.93%	1064.02%	-	-	-	-
Variable Interest Entities	5.46B	4.51B	2.62B	-	-	-	-	-	-	-
Variable Interest Entities Growth	-	-17.27%	-42.03%	-	-	-	-	-	-	-

Revenue by Geography

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
JAPAN	1.83T	2.2T	2.38T	1.95T	1.79T	1.82T	2.92T	3.02T	999.29B	2.13T
JAPAN Growth	-	20.13%	8.31%	-18.04%	-8.01%	1.36%	60.81%	3.30%	-66.89%	112.67%
Other Countries	-	-	-	280.76B	285.96B	267.51B	665.34B	772.39B	192.65B	479.49B
Other Countries Growth	-	-	-	-	1.85%	-6.45%	148.71%	16.09%	-75.06%	148.89%
Americas	-	-	-	205.23B	201.58B	208.07B	344.98B	368.78B	108.81B	270.1B
Americas Growth	-	-	-	-	-1.78%	3.22%	65.80%	6.90%	-70.50%	148.24%

Frequently Asked Questions

Valuation & Price

ORIX Corporation (IX) has a price-to-earnings (P/E) ratio of 0.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

ORIX Corporation (IX) grew revenue by 2.1% over the past year. Growth has been modest.

Yes, ORIX Corporation (IX) is profitable, generating $439.78B in net income for fiscal year 2025 (12.2% net margin).

Dividend & Returns

Yes, ORIX Corporation (IX) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.

ORIX Corporation (IX) has a return on equity (ROE) of 8.6%. This is below average, suggesting room for improvement.

Industry Metrics

ORIX Corporation (IX) has a net interest margin (NIM) of -1.0%. NIM has been under pressure due to interest rate environment.

ORIX Corporation (IX) has an efficiency ratio of 30.2%. This is excellent, indicating strong cost control.

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