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Toubujyuhan (3297) · InitiativeGrowth in policy renewals partly offset the decline in new policies

Improving the Insurance Coverage Rate and Renewing Policies in the Insurance Agency Business

First written in FY2018-Q2. 14 of 33 entries say "Advanced", first in FY2018-Q3. Latest entry: FY2026.

33entries
9years
3from disclosures
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How it moved
ProgressHeldSoftenedWorseAdvancedFY2018-Q3 – FY2019AdvancedFY2020-Q3 – FY2021-Q3OtherFY2023-Q2 – FY20242018: 420182019: 420192020: 420202021: 420212022: 420222023: 320232024: 320242025: 220252026: 52026
Same theme, other companies
Performance Fluctuations in the Insurance Agency BusinessA theme 8 companies write about · 1 as a headwind · 7 as a tailwind

The whole theme swung hardest in 2023: 3 of 7 companies on the "Worse" side.

2 other companies' latest entry also says "Other".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
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  1. FY2026Growth in policy renewals partly offset the decline in new policiesAnnual report

    「In the insurance agency business, new long-term fire insurance contracts declined in line with the decrease in contracts in the real estate sales and purchase business. Although the number of renewal contracts increased as the company sought to capture renewal demand, revenue fell below the previous fiscal year.」

    New long-term fire insurance contracts declined due to lower sales of the company's own real estate, while the number of renewal contracts increased. However, revenue fell below the previous fiscal year.
  2. FY2026-H1New contracts declined due to lower sales volumeAnnual report

    「In the insurance agency business, the company sought to capture demand for renewals of maturing fire insurance contracts. However, the number of new fire insurance contracts declined due to lower sales of the company's own real estate and other factors, resulting in revenue below the same period of the previous year.」

    Although the company continued measures to capture demand for renewals of maturing contracts, the number of new contracts and revenue fell below the same period of the previous year due to lower sales of the company's own real estate and other factors.
  3. FY2025AdvancedAnnual report

    「In the insurance agency business, revenue exceeded the previous fiscal year due to higher premiums for long-term fire insurance and efforts to capture demand for contract renewals.」

    Higher premiums for long-term fire insurance and the capture of contract renewal demand resulted in higher revenue and profit in the insurance agency business.
  4. FY2025-H1AdvancedAnnual report

    「In the insurance agency business, the number of new fire insurance contracts increased due to higher sales of the company's own real estate and more transactions in the real estate brokerage business, resulting in revenue exceeding the same period of the previous year.」

    Sales of the company's own real estate and transactions in the real estate brokerage business increased, resulting in the number of new fire insurance contracts and revenue from the insurance agency business exceeding the same period of the previous year.
  5. FY2024Revenue declined because shorter contract terms outweighed improvements in the insured rate and contract volumeAnnual report

    「In the insurance agency business, the insured rate improved and the number of contracts increased through the acquisition of new fire insurance contracts. However, revenue fell below the previous fiscal year because the shortening of insurance contract terms lowered average premiums.」

    Although new contract acquisition, the insured rate, and the number of contracts improved, lower average premiums due to shorter contract terms resulted in revenue of ¥33.343 million, down 2.1% year on year.
  6. FY2024-Q3Revenue declined despite continued efforts to improve the insured rate and capture renewal demandAnnual report

    「In the insurance agency business, the company sought to acquire new fire insurance contracts and renewal demand and worked to improve the insured rate, but revenue fell below the same quarter of the previous year.」

    Although the company pursued new contracts, renewal demand, and a higher insured rate, revenue from the insurance agency business declined year on year.
  7. FY2024-Q2Average premiums declined and revenue continued to fall due to shorter long-term contractsAnnual report

    「In the insurance agency business, the company sought to acquire new fire insurance contracts and renewal demand and worked to improve the insured rate. However, revenue fell below the same quarter of the previous year because long-term contracts were shortened to 5 years from October of the previous year, lowering the average premium per completed contract.」

    Although the company pursued new contracts, renewal demand, and a higher insured rate, the shortening of long-term contracts to 5 years from October of the previous year lowered the average premium per completed contract, and revenue continued to decline.
  8. FY2024-Q1Insurance contracts declined due to lower sales and brokerage transactionsAnnual report

    「In the insurance agency business, the company focused on acquiring new fire insurance contracts by promoting the benefits of after-sales service and sought to capture renewal demand from existing customers. However, the number of insurance contracts declined as sales of the company's own real estate and brokerage transactions both decreased, resulting in revenue below the same quarter of the previous year.」

    Although the company pursued new contracts and captured renewal demand from existing customers, the decline in sales of the company's own real estate and brokerage transactions led to declines in the number of insurance contracts and revenue.
  9. FY2023Revenue decline continued due to the lower maximum contract termAnnual report

    「In the insurance agency business, the company promoted the benefits of after-sales service as an agency, sought to acquire new fire insurance contracts, and worked to capture renewal demand from existing customers. However, the maximum term of fire insurance contracts was reduced to 5 years, causing premiums to decline due to lower premiums per contract, and revenue fell below the previous fiscal year.」

    Although the company pursued new contracts and captured renewal demand, the reduction of the maximum contract term to 5 years lowered average premiums and total premiums, resulting in revenue of ¥34.067 million, down 21.4% year on year.
  10. FY2023-Q2Premiums declined due to the lower maximum contract termAnnual report

    「In the insurance agency business, we sought to acquire new fire insurance contracts by highlighting the benefits of after-sales service as an agency. However, because the maximum fire insurance policy term was reduced to 5 years, insurance premiums declined and revenue fell below the same quarter of the previous year.」

    Although the company sought to acquire new contracts by promoting the benefits of after-sales service, premiums declined following the reduction of the maximum contract term to 5 years, and revenue from the business fell below the same quarter of the previous year.
  11. FY2023-Q1AdvancedAnnual report

    「Although sales of the company's own real estate declined, revenue exceeded the same quarter of the previous year because the increase in brokerage transactions and efforts to capture demand for renewals of maturing contracts proved effective.」

    The increase in brokerage transactions and the capture of demand for renewals of maturing contracts offset the decline in sales of the company's own real estate, resulting in revenue from the insurance agency business exceeding the same quarter of the previous year.
  12. FY2022Revenue declined due to lower sales volume and a higher proportion of land transactionsAnnual report

    「In the insurance agency business, the company worked to capture renewal demand from existing customers. However, the number of new contracts fell below the previous year and revenue fell below the previous fiscal year because sales declined in the company's own real estate sales business and the proportion of land transactions increased.」

    Although the company continued measures to capture renewal demand from existing customers, the decline in sales of the company's own real estate and the higher proportion of land transactions led to declines in new contracts and revenue.
  13. FY2022-Q3Revenue and profit declined due to lower sales volume and a higher proportion of land transactionsAnnual report

    「In the insurance agency business, the company implemented measures including efforts to capture demand for insurance contract renewals. However, sales of the company's own real estate declined and the proportion of land transactions increased, among other factors, resulting in fewer new fire insurance contracts and revenue below the same quarter of the previous year. As a result, revenue from the real estate-related business was ¥29.879 million, down 16.2% from the same quarter of the previous year, while operating profit was ¥17.736 million, down 24.3%, due to the decline in revenue.」

    Although the company continued to capture demand for contract renewals, the number of new fire insurance contracts declined due to lower sales of the company's own real estate and a higher proportion of land transactions, resulting in lower revenue and profit.
  14. FY2022-Q2New contracts declined due to lower sales volume and a higher proportion of land transactionsAnnual report

    「In the insurance agency business, the company sought to acquire new fire insurance contracts by promoting the benefits of after-sales service as an agency and to capture demand for insurance contract renewals. However, the number of new fire insurance contracts declined, and revenue fell below the same quarter of the previous year, due to a decline in sales of the company's own real estate and a higher proportion of land transactions, among other factors.」

    Although the company continued to promote after-sales service and capture renewal demand, the number of new fire insurance contracts declined due to lower sales of the company's own real estate and a higher proportion of land transactions, resulting in revenue below the same quarter of the previous year.
  15. FY2022-Q1Revenue declined due to the lower insured rateAnnual report

    「In the insurance agency business, the company sought to acquire new fire insurance contracts by continuing to promote the benefits of after-sales service as an agency, but revenue fell below the same quarter of the previous year due mainly to the decline in the insured rate.」

    Although the company sought to acquire new fire insurance contracts by promoting the benefits of after-sales service, revenue fell below the same quarter of the previous year due to the lower insured rate and other factors.
  16. FY2021A premium increase and renewal demand offset the decline in the insured rateAnnual report

    「In the insurance agency business, although the insured rate declined in the real estate sales and purchase business, revenue exceeded the previous fiscal year due to an increase in sales of the company's own real estate, the premium increase in January 2021, and the capture of demand for renewals of insurance contracts reaching maturity.」

    Although the insured rate declined, higher sales of the company's own real estate, the premium increase in January 2021, and the capture of demand for renewals of maturing contracts resulted in revenue of ¥46.751 million, up 0.9% year on year.
  17. FY2021-Q3AdvancedAnnual report

    「In the insurance agency business, revenue exceeded the same quarter of the previous year due to an increase in sales of the company's own real estate and real estate brokerage transactions, as well as higher average premiums following premium revisions.」

    The increase in sales of the company's own real estate and brokerage transactions, together with higher average premiums following premium revisions, resulted in revenue from the insurance agency business exceeding the same quarter of the previous year.
  18. FY2021-Q2AdvancedAnnual report

    「In the insurance agency business, revenue exceeded the same quarter of the previous year because the increase in sales of the company's own real estate led to more new long-term fire insurance contracts, while the company also sought to capture demand for renewals of insurance contracts reaching maturity.」

    The increase in new long-term fire insurance contracts accompanying higher sales of the company's own real estate, together with the capture of demand for renewals of maturing contracts, resulted in revenue exceeding the same quarter of the previous year.
  19. FY2021-Q1AdvancedAnnual report

    「In the insurance agency business, revenue exceeded the same quarter of the previous year because the increase in sales of the company's own real estate and real estate brokerage transactions resulted in more new non-life insurance contracts, while the company also sought to capture demand for renewals of insurance contracts reaching maturity.」

    The increase in sales and brokerage transactions involving the company's own real estate and the capture of demand for renewals of maturing contracts resulted in new contracts and revenue exceeding the same quarter of the previous year.
  20. FY2020AdvancedAnnual report

    「In the insurance agency business, although the number of sales and brokerage transactions involving the company's own real estate in the real estate sales business declined, revenue exceeded the previous fiscal year due to higher average premiums following premium revisions and a focus on capturing demand for renewals of insurance contracts reaching maturity.」

    The decline in sales and brokerage transactions was offset by higher average premiums following premium revisions and the capture of demand for renewals of maturing contracts, resulting in revenue of ¥46.352 million, up 5.0% year on year.
  21. FY2020-Q3AdvancedAnnual report

    「In the insurance agency business, although sales of the company's own real estate and the number of real estate brokerage transactions declined, revenue exceeded the same quarter of the previous year due to higher average premiums following premium revisions and efforts to capture demand for renewals of insurance contracts reaching maturity.」

    Although sales of the company's own real estate and brokerage transactions declined, revenue exceeded the same quarter of the previous year due to higher average premiums following premium revisions and the capture of demand for renewals of maturing contracts.
  22. FY2020-Q2Higher premiums offset the decline in sales volumeAnnual report

    「In the insurance agency business, although sales of the company's own real estate declined, revenue exceeded the same quarter of the previous year due mainly to an increase in average premiums following premium revisions.」

    Although sales of the company's own real estate declined, revenue from the insurance agency business exceeded the same quarter of the previous year due to higher average premiums following premium revisions.
  23. FY2020-Q1Decline in policies due to lower sales volumeAnnual report

    「In the insurance agency business, although the company worked to improve the insured rate and took other measures, revenue fell below the year-earlier quarter because the number of new non-life insurance policies fell below the year-earlier quarter due in part to a decline in sales of the company's own real estate.」

    Despite continuing measures to improve the insured rate, the number of new non-life insurance contracts and revenue fell below the same quarter of the previous year due to a decline in sales of the company's own real estate and other factors.
  24. FY2019AdvancedAnnual report

    「In the insurance agency business, revenue exceeded the previous fiscal year due to increases in sales of the company's own real estate and brokerage transactions in the real estate sales business, as well as the higher average unit price per transaction resulting from strengthened efforts to insure household contents.」

    In addition to increases in the number of the company's own sales and brokerage transactions, the company strengthened insurance coverage for household contents and raised the unit price per transaction, resulting in insurance agency revenue exceeding the previous fiscal year.
  25. FY2019-Q3AdvancedAnnual report

    「In the insurance agency business, revenue exceeded the year-earlier quarter due to an increase in sales of the company's own real estate and other factors, as well as an improved insured rate for fire insurance.」

    Revenue in the insurance agency business exceeded the year-earlier quarter due to increased sales of the company's own real estate and an improved insured rate for fire insurance.
  26. FY2019-Q2AdvancedAnnual report

    「In the insurance agency business, revenue exceeded the year-earlier quarter due to an increase in sales of the company's own real estate and an improved insured rate.」

    Revenue in the insurance agency business exceeded the year-earlier quarter due to increased sales of the company's own real estate and an improved insured rate for non-life insurance.
  27. FY2019-Q1AdvancedAnnual report

    「In the insurance agency business, revenue exceeded the year-earlier quarter because the improved insured rate for non-life insurance in the real estate sales business resulted in more new non-life insurance policies than in the year-earlier quarter.」

    The number of new non-life insurance policies exceeded the year-earlier quarter due to the improved insured rate, and revenue in the insurance agency business also exceeded the year-earlier quarter.
  28. FY2018AdvancedAnnual report

    「In the insurance agency business, revenue exceeded the previous fiscal year due to an increase in sales of the company's own real estate in the real estate sales business and an improved insured rate.」

    Revenue in the insurance agency business exceeded the previous fiscal year due to increased sales of the company's own real estate and an improved insured rate.
  29. FY2018-Q3AdvancedAnnual report

    「In the insurance agency business, revenue exceeded the year-earlier quarter due to the increase in sales of the company's own real estate and efforts to improve the insured rate for fire insurance.」

    In addition to the increase in sales of the company's own real estate, the company worked to improve the insured rate for fire insurance, resulting in higher revenue in the insurance agency business than in the year-earlier quarter.
  30. FY2018-Q2First statedAnnual report

    「In the insurance agency business, the company increased staffing and worked to improve the insured rate and renew policies at maturity, but revenue fell below the year-earlier quarter.」

    Increased staffing, improvement of the insured rate, and renewal of policies at maturity were recorded for the first time as measures in the insurance agency business. Meanwhile, revenue for the cumulative period of the current quarter fell below the year-earlier quarter.
Moved together

"Increasing the number of existing-home sales and brokerage transactions" moved the same way as this thread, in the same document, in 12 of its 33 moves.

12119888★123456
  1. ★This thread
  2. 1Increasing the number of existing-home sales and brokerage transactions12×
  3. 2Strengthening the Acquisition of Pre-Owned Homes for Sale11×
  4. 3Inventory Accumulation and Concentration in Real Estate for Sale9×
  5. 4Maintaining and improving inventory turnover and curbing interest-bearing debt8×
  6. 5Fluctuations in Existing-Home Demand Due to Economic Conditions, Interest Rates, Land Prices, and Other Factors8×
  7. 6Expansion of Property Management Contract Services8×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

When this could move next
No upcoming earnings preview for Toubujyuhan yet. It last moved in the General Meetings of Shareholders of 2026-08-03: "Worsened".
News
No news is linked to this thread yet. When an article touches it, it will appear here by date.
Improving the Insurance Coverage Rate and Renewing Policies in the Insurance Agency Business | Toubujyuhan Co.,Ltd. (3297) | Komori