Reducing Fixed Costs and Improving Contribution Margins Through Investment in Proprietary Databases and Software

「This was attributable to improved profit margins resulting from greater efficiency in the data platform and optimization of system operations in the credit management services business.」

「Maintaining a high contribution margin structure. Revenue growth directly drives profit growth. The fixed-cost structure was optimized through the disposal of fixed assets and other measures at the end of FY2025.」

「This was attributable to improved profit margins resulting from fixed-cost reductions in the credit management services business and the effects of system enhancements and more efficient data acquisition.」

「Upgraded the rating logic and newly assigned RM ratings, which identify bankruptcy risk, to more than 300,000 companies (July).」

「Total capital expenditures for the consolidated fiscal year were ¥933.865 million, mainly comprising ¥509.139 million for upgrading the core service systems and internal systems and ¥386.730 million for upgrading the proprietary database in the credit management services business.」

「Began offering Japan’s first “ChatGPT plugin” for the 5 million-company corporate information database for conversational AI ChatGPT (according to the company, as of 30 July) (July).」

「The company continues to strengthen the acquisition of corporate information to enhance its proprietary database, resulting in higher related costs.」

「Revision of rating logic (December)」

「The credit management API service began integration with ActRecipe, a SaaS integration and business process automation platform (October).」

「Segment profit edged down because, although the cost of obtaining corporate information declined as the company shifted primarily to services based on its proprietary database, revenue decreased while expenses for strengthening service systems, personnel costs to enhance service provision and marketing expenses increased.」

「Full renewal of the credit management service (February)」

「The proprietary database is a database containing information on more than approximately 5 million companies collected independently by the company. In addition to public information such as corporate identification numbers and commercial registry data, the company obtains and analyzes various types of information every day through AI crawling and more than 30 information sources. It expects to maintain and operate the same database within approximately the same information usage fees as the previous year without affecting service quality.」

「In addition to initiatives aligned with the basic policy of the Seventh Medium-Term Management Plan (fiscal 2021–2023), the company announced its “DX Initiatives” in July 2021 to achieve the goals set out in “Rismon G-30” and is pursuing the following initiatives: ・“Developing services and improving operational efficiency by using AI and other technologies to promote analysis of internally held data” ・“Rolling out DX support services for clients” ・“Improving operational efficiency and promoting telework through the use of digital platforms”」

「Revision of the rating logic (June)」

「Making stable growth in profitability our top priority, we will strengthen services through greater use of our proprietary database, pursue proactive pricing strategies including subscription models, expand DX support services for clients, make greater use of AI, and enhance our smartphone app.」

「• Revised the rating logic to analyze big data from multiple perspectives and further improve rating accuracy (December)」

「• Announced a joint demonstration project with テクマトリックス株式会社 to improve the accuracy of RM ratings using artificial intelligence (AI) (April) • Revised the rating logic, introducing AI into the evaluation of qualitative items and further diversifying its analysis of big data (June)」

「The company will seek to improve its marginal profit margin by reducing fixed costs through the development of an AI evaluation model combining its existing and proprietary databases and the optimization of its software investment levels.」

「• Improved the credit decision indicators for “RM Financial Ratings,” which specializes in financial analysis (June) • Revised the rating logic (June) • Revised the rating logic (December)」

「Improved the credit decision indicators for “RM Financial Ratings,” which specializes in financial analysis (June)」

「Improved the credit decision indicators for “RM Financial Ratings,” which specializes in financial analysis (June)」

「Total capital expenditures for the consolidated fiscal year were ¥303.170 million, mainly comprising ¥195.344 million for upgrading the core service systems used in credit management services and related operations.」

「• Revised the rating logic (December)」

「• Revised the rating logic (June)」

「• Revised the rating logic (June) • Revised the rating logic (December)」

「• Revised the rating logic (December)」

「Revised the rating logic (June)」

「The company will seek to improve its marginal profit margin by reducing fixed costs through the development of a proprietary database and optimization of its software investment levels.」