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Who We Are
Founded in
1967
In the same year:
Japan celebrated its first-ever National Foundation Day, and
The world’s first ATM was introduced in London, UK.
Number of Employees
5,003
employees
Scale at a glance:
If all employees stood in a circle with their arms outstretched (approximately 1.5 meters per person), the space inside the circle would be large enough to accommodate around 100 Tokyo Domes, one of Japan’s largest stadiums.
Age of the CEO
45
years old
In comparison:
The president is approximately 15 years younger than the average age of CEOs at listed companies in Japan (60.7 years old as of 2024*).
*From Teikoku Databank's survey.
Our Business in Numbers
Total Operating Receivables
¥1,339.7
billion
(+13.6% YoY)
This level is comparable to the general account budgets of major government-designated cities in Japan.
Supported by portfolio diversification and steady growth across businesses, operating receivables have grown at a CAGR of 10.3%.
(as of FY2025/3)
Number of Customers Across the Group
Individuals
6,831 thousand
Approximately 5.5% of Japan’s population are customers of the Muninova Group.
- Unsecured loans
- Credit cards
- Installment payments
Corporations
178 thousand
Approximately 3.5% of corporations in Japan have business relationships with the Muninova Group.
- Credit guarantee partnerships
- Acquiring services
- Corporate credit cards
- Business loans
- Secured loans
(including medical receivables–backed loans)
(as of FY2025/3)
Credit Rating
A- (JCR)
An “A” rating indicates high creditworthiness with partially outstanding strengths.
We will continue striving for further upgrades.
Operating Revenue
¥189.0
billion
(+15.9% YoY)
As our total operating receivables grow, revenue continues to rise.
Ordinary profit expanded from 1.7 billion yen in FY2020/3 to 26.8 billion yen in FY2025/3.
(as of FY2025/3)
Our Goal
Ordinary Profit
¥100.0
billion
*ROE based on profit attributable to owners of the parent, assuming an effective tax rate of 30%
(as of FY2024/3)
How We Are Changing
Number of Group Companies
26 companies
Since 2023, five companies have joined the group, expanding both future earnings potential and business domains.
- Consumer finance
- Small business loans
- Credit card services
- Individual installment payment services
- Credit guarantee business
- Insurance
- Overseas operations, and more
(as of FY2025/3)
Branch Network Across Japan
26 branches
Since 2019, our branches have shifted from traditional loan counters to sales hubs offering a wide range of group services to corporates.
With 152 staff members, we tailor our approach to meet local needs in each region.
(as of FY2025/3)
IT human resources "System x Design x Data Analysis"
418 professionals
Integrated Report 2025
Since 2020, we have been strengthening our IT specialist staff in order to increase our competitiveness as a non-bank company with in-house IT capabilities.
The number of IT professionals increased from 5 as of March 2019 to 418 in six years, representing growth of more than 80 times.
In the FY2025/3, we completed:
•990 in-house design projects
•294 data analytics initiatives
In addition to cost reductions and improved operational efficiency through in-house development, these capabilities enable us to respond swiftly to rapidly changing customer needs and deliver high-quality services.
Furthermore, the Group's first integrated report was handled entirely in-house, from planning and composition to design and visual production, with the IR team and the design team playing a central role.
(as of FY2025/3)