Worth reading
72In focus
Scored from 5 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
478
Millions of yen (year-on-year increase in revenue)Wording
Conditional
How definitive the wording is.Contents of this document
Financial results presentationFiscal year ending December 2026: third quarter9 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales¥3,808 million+114.4%
Operating profit¥600 million+137.7%
Ordinary income¥646 million+148.4%
Net income¥412 million+151.1%
Gross Profit Margin39 %
Operating profit margin15.8 %
Selling, general and administrative expenses¥883 million
Results for the three months of the current quarter
Net Sales
¥1,218 million
Operating profit
¥170 million
Ordinary income
¥201 million
Net income
¥128 million
Gross Profit Margin
38.1 %
Operating profit margin
14 %
Full-year earnings forecast
Net Sales
¥5,607 million
Operating profit
¥929 million
Ordinary income
¥926 million
Net income for the current fiscal year
¥584 million
EPS
¥93.01
Progress against full-year forecast 通期の予想に対して、いまどこまで進んだかの割合です。
Net Sales67.9 %
Operating profit64.6 %
Ordinary income69.8 %
Net income for the current fiscal year70.4 %
EPS70.9 %
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
The terminal business is currently diverging from plan.New initiatives
- Launch of 『ワイドネットゼロ』, a multibank-enabled instant account transfer service
- Commencement of the full-scale rollout of 『Billing BOX』
- Commencement of integration with 『SmartPOST』 through a partnership with xID株式会社
- Company-wide adoption of generative AI and its full-scale use in development processes
- Expansion and relocation of the Toride operations center
- Strengthening Cybersecurity Measures
Key KPIsA metric the company considers important as a management benchmark.
- Number of PayB partner financial institutions (cumulative)94 Organisation
- Number of PayB partner collection institutions (cumulative)19,159 Engagements
- Recurring revenue (cumulative January–September)¥3,284 millionYear on year against the same period last year+107.4%
- Recurring revenue ratio (cumulative January–September)86.2 %Year on year against the same period last year91.9% of the year-earlier period
- Cumulative terminal unit sales18,095 Machines
Segment results
Payment support business
Net Sales
¥985 million
Year on year against the same period last year+110.1%
Remittance support business
Net Sales
¥88 million
Year on year against the same period last year+105.6%
Terminal business
Net Sales
¥121 million
Year on year against the same period last year+100.3%
Other business
Net Sales
¥23 million
Year on year against the same period last year+122.5%
Medium-term management plan targets
In the second year of the medium-term management plan, the company aims to expand its earnings base in the domestic payments sector and accelerate growth. Specific numerical targets are Not disclosed.Financial targets
Reported an equity ratio of 11.1% and an adjusted equity ratio of 77.3% after deducting funds held on behalf of customers. Target figures are Not disclosed.Market Size / Share
Covers 70% based on the volume of deposits held by domestic financial institutions.Number of stores and locations
The Toride operations center is scheduled to be expanded and relocated. The number of stores and locations at the end of the period, and the numbers opened and closed, are Not disclosed.Number of employees
105 people
Change during the period8 more than in the year-earlier period
| Item | Details |
|---|---|
| Document type | Financial results presentation |
| Fiscal Period Covered | Fiscal year ending December 2026: third quarter |
| Net Sales | ¥3,808 million (YoY +114.4%) |
| Operating profit | ¥600 million (YoY +137.7%) |
| Ordinary income | ¥646 million (YoY +148.4%) |
| Net income | ¥412 million (YoY +151.1%) |
| Gross Profit Margin | 39 % |
| Operating profit margin | 15.8 % |
| Selling, general and administrative expenses | ¥883 million |
| Results for the three months of the current quarter | Net Sales ¥1,218 million / Operating profit ¥170 million / Ordinary income ¥201 million / Net income ¥128 million / Gross Profit Margin 38.1 % / Operating profit margin 14 % |
| Full-year earnings forecast | Net Sales ¥5,607 million / Operating profit ¥929 million / Ordinary income ¥926 million / Net income for the current fiscal year ¥584 million / EPS ¥93.01 |
| Progress against full-year forecast | Net Sales 67.9 % / Operating profit 64.6 % / Ordinary income 69.8 % / Net income for the current fiscal year 70.4 % / EPS 70.9 % |
| Self-assessment against the plan | The terminal business is currently diverging from plan. |
| Segment results | Payment support business Net Sales ¥985 million / yoy_pct 110.1 / Remittance support business Net Sales ¥88 million / yoy_pct 105.6 / Terminal business Net Sales ¥121 million / yoy_pct 100.3 / Other business Net Sales ¥23 million / yoy_pct 122.5 |
| Key KPIs | Number of PayB partner financial institutions (cumulative) 94 Organisation, Number of PayB partner collection institutions (cumulative) 19,159 Engagements, Recurring revenue (cumulative January–September) ¥3,284 million, Recurring revenue ratio (cumulative January–September) 86.2 %, Cumulative terminal unit sales 18,095 Machines |
| Number of stores and locations | The Toride operations center is scheduled to be expanded and relocated. The number of stores and locations at the end of the period, and the numbers opened and closed, are Not disclosed. |
| Number of employees | 105 people |
| Medium-term management plan targets | In the second year of the medium-term management plan, the company aims to expand its earnings base in the domestic payments sector and accelerate growth. Specific numerical targets are Not disclosed. |
| Financial targets | Reported an equity ratio of 11.1% and an adjusted equity ratio of 77.3% after deducting funds held on behalf of customers. Target figures are Not disclosed. |
| Market Size / Share | Covers 70% based on the volume of deposits held by domestic financial institutions. |
| New initiatives | Launch of 『ワイドネットゼロ』, a multibank-enabled instant account transfer service, Commencement of the full-scale rollout of 『Billing BOX』, Commencement of integration with 『SmartPOST』 through a partnership with xID株式会社, Company-wide adoption of generative AI and its full-scale use in development processes, Expansion and relocation of the Toride operations center, Strengthening Cybersecurity Measures |
Items this document does not state (10)
Breakdown of Factors Affecting the ChangeUnit price and quantity metricsAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookAnnual DividendPayout ratioAcquisition of treasury sharesCapital expendituresOrders received and order backlogKey points of the Q&A
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.In addition to higher profit accompanying the increase in revenue, the booking of high-margin spot projects and increased interest income resulting from higher deposit interest rates boosted results. The improvement in gross profit margin was attributable to high-margin spot projects. Meanwhile, upfront investments including payment processing fees and personnel expenses, security-related costs, the cost of relocating the Toride operations center, and delays in the launch of sales of new payment terminals were identified as negative factors going forward.
How to read this page
This is not the documentKomori reads the disclosure the company filed and writes this summary. Figures are as stated by the company and are not audited.
Weight is not a verdictIt measures how much this changes what the company had already told the market. It is not a view on the shares.
Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.