Decline in income from the insurance agency business and other sources
First written in FY2018-Q2. 12 of 29 entries say "Reframed", first in FY2019-Q1. Latest entry: 2026-08-06.
Stella Chemifa moved to the "Worse" side of this theme in 2024, 3 years after the typical company in this theme (2021).
The whole theme swung hardest in 2020: 5 of 11 companies on the "Worse" side.
1 other company's latest entry also says "Reframed".
- FY2026-H1ReframedAnnual report
「In the Other business, net sales were ¥43 million, down 23.8% year on year, and operating income was ¥9 million, up 40.5%.」
In the Other business, net sales declined 23.8% year on year, while operating income increased 40.5%, resulting in net sales and profit moving in opposite directions. - FY2025WorsenedAnnual report
「In the Other business, insurance agency revenue and related income fell below the previous consolidated fiscal year, resulting in net sales of ¥116 million, down 33.2% year on year, and operating income of ¥18 million, down 2.6%.」
Due to lower insurance agency revenue and related income, net sales in the Other business fell 33.2% year on year and operating income fell 2.6%. - FY2025-H1WorsenedAnnual report
「In the Other business, net sales were ¥56 million, down 32.7% year on year, and operating income was ¥6 million, down 13.0%.」
In the Other business, both net sales and operating income were below the same period of the previous year, with net sales down 32.7% and operating income down 13.0%. - FY2024ReframedAnnual report
「In the Other business, insurance agency revenue and related income exceeded the previous consolidated fiscal year, resulting in net sales of ¥174 million, up 2.1% year on year, while operating income was ¥18 million, down 39.3%.」
Net sales increased due to higher insurance agency revenue and related income, while operating income fell significantly. - FY2024-Q2ReframedAnnual report
「In the Other business, net sales were ¥84 million, up 8.5% year on year, and operating income was ¥7 million, down 17.3%.」
In the Other business, net sales increased 8.5% year on year, while operating income declined 17.3%, resulting in net sales and profit moving in opposite directions. - FY2024-Q1WorsenedAnnual report
「In the Other business, insurance agency revenue and related income were broadly at the same level as in the same period of the previous year, resulting in net sales of ¥39 million, down 0.4% year on year, and an operating loss of ¥1 million, compared with operating income of ¥3 million in the same period of the previous year.」
Although insurance agency revenue and related income were broadly at the same level, the Other business shifted from operating income in the same period of the previous year to an operating loss. - FY2023RestatedAnnual report
「In the Other business, insurance agency revenue and related income fell below the previous consolidated fiscal year, resulting in net sales of ¥170 million, down 10.0% year on year, and operating income of ¥30 million, up 46.8%.」
Net sales continue to decline due to lower insurance agency revenue and related income, while operating income is increasing. - FY2023-Q3RestatedAnnual report
「In the Other business, insurance agency revenue and related income fell below the same period of the previous year, resulting in net sales of ¥116 million, down 6.3% year on year, and operating income of ¥16 million, up 25.8%.」
Although net sales continue to decline due to lower insurance agency revenue and related income, operating income continues to increase. - FY2023-Q2ReframedAnnual report
「In the Other business, insurance agency revenue and related income fell below the same period of the previous year, resulting in net sales of ¥77 million, down 5.3% year on year, and operating income of ¥9 million, up 15.6%.」
Insurance agency revenue and related income fell below the same period of the previous year, resulting in lower net sales, while operating income increased 15.6% year on year. - FY2023-Q1ReframedAnnual report
「In the Other businesses, insurance agency income and other revenue exceeded the same period of the previous year, resulting in net sales of ¥40 million, up 4.0%, and operating income of ¥3 million, up 68.1%.」
Following the downward trend in insurance agency revenue and related income through the previous period, the explanation has shifted this quarter to one in which revenue exceeded the same period of the previous year and both net sales and operating income increased. - FY2022-Q3RestatedAnnual report
「In the Other businesses, insurance agency income and other revenue fell below the same period of the previous year, resulting in net sales of ¥124 million, down 25.2%, and operating income of ¥13 million, down 21.4%.」
The situation in which both net sales and operating income in the Other businesses decline because insurance agency income and other revenue fall below the same period of the previous year has continued. - FY2022-Q2RestatedAnnual report
「In the Other businesses, insurance agency income and other revenue fell below the same period of the previous year, resulting in net sales of ¥82 million, down 19.2%, and operating income of ¥8 million, down 32.2%.」
The situation in which insurance agency income and other revenue fall below the same period of the previous year, resulting in decreases in both net sales and operating income, has continued. - FY2022-Q1RestatedAnnual report
「In the Other businesses, insurance agency income and other revenue fell below the same period of the previous year, resulting in net sales of ¥38 million, down 20.2%, and operating income of ¥2 million, down 59.0%.」
The situation in which both net sales and operating income decline due to lower insurance agency income and other revenue has continued. - FY2021WorsenedAnnual report
「In the Other businesses, insurance agency income and other revenue fell below the previous fiscal year, resulting in net sales of ¥213 million, down 11.8%, and operating income of ¥26 million, down 25.7%.」
Insurance agency income and other revenue fell below the previous fiscal year, resulting in decreases in both net sales and operating income. - FY2021-Q3RestatedAnnual report
「In the Other businesses, insurance agency income and other revenue fell below the same period of the previous year, resulting in net sales of ¥166 million, down 11.8%, and operating income of ¥17 million, down 31.1%.」
The situation in which insurance agency income and other revenue fall below the same period of the previous year, resulting in decreases in both net sales and operating income, has continued. - FY2021-Q2WorsenedAnnual report
「In the Other businesses, insurance agency income and other revenue fell below the same period of the previous year, resulting in net sales of ¥101 million, down 11.7%, and operating income of ¥12 million, down 26.3%.」
Insurance agency income and other revenue fell below the same period of the previous year, resulting in decreases in both net sales and operating income. - FY2021-Q1ReframedAnnual report
「In the Other businesses, insurance agency income and other revenue exceeded the same period of the previous year, resulting in net sales of ¥48 million, up 29.1%, while operating income was ¥5 million, down 24.0%.」
The situation has changed to one in which net sales and profit are moving in different directions: net sales increased as insurance agency income and other revenue rose, while operating income fell below the same period of the previous year. - FY2020RestatedAnnual report
「In the Other businesses, insurance agency income and other revenue exceeded the previous consolidated fiscal year, resulting in net sales of ¥241 million, up 7.0%, while operating income was ¥36 million, down 14.2%.」
The company also reported for the full fiscal year that net sales increased due to higher insurance agency income and other revenue, while operating income declined. - FY2020-Q3RestatedAnnual report
「In the Other businesses, insurance agency income and other revenue exceeded the same period of the previous year, resulting in net sales of ¥188 million, up 28.4%, while operating income was ¥24 million, down 16.1%.」
The trend of net sales increasing while operating income falls below the same period of the previous year has continued as insurance agency income and other revenue increased. - FY2020-Q2ReframedAnnual report
「In the Other businesses, insurance agency income and other revenue exceeded the same period of the previous year, resulting in net sales of ¥115 million, up 16.1%, while operating income was ¥16 million, down 21.8%.」
Insurance agency income and other revenue exceeded the same period of the previous year, increasing net sales, while operating income fell below the previous year's level. - FY2020-Q1ReframedAnnual report
「In the Other businesses, insurance agency income and other revenue fell below the same period of the previous year, resulting in net sales of ¥37 million, down 16.7%, and operating income of ¥6 million, down 18.7%.」
The explanation has changed from insurance agency income and other revenue exceeding the same period of the previous year to falling below it in the current quarter, with both net sales and operating income declining. - FY2019-Q3RestatedAnnual report
「In the Other businesses, insurance agency income and other revenue exceeded the same period of the previous year, resulting in net sales of ¥147 million, up 0.4%, and operating income of ¥29 million, up 10.0%.」
The company continues to explain that insurance agency income and other revenue exceeded the same period of the previous year, resulting in increases in both net sales and operating income. - FY2019-Q2RestatedAnnual report
「In the Other businesses, insurance agency income and other revenue exceeded the same period of the previous year, resulting in net sales of ¥99 million, up 0.8%, and operating income of ¥21 million, up 35.4%.」
The company continues to explain that insurance agency income and other revenue exceeded the same period of the previous year, resulting in increases in both net sales and operating income. - FY2019-Q1ReframedAnnual report
「In the Other businesses, insurance agency income and other revenue exceeded the same period of the previous year, resulting in net sales of ¥44 million, up 8.4%, and operating income of ¥8 million, up 51.6%.」
The explanation has changed from a decline in insurance agency income and other revenue to an increase above the same period of the previous year in the current quarter, with both net sales and operating income increasing. - FY2018-Q3RestatedAnnual report
「In the Other businesses, insurance agency income and other revenue fell below the same period of the previous year, resulting in net sales of ¥146 million, down 2.6%, and operating income of ¥26 million, up 31.7%.」
The company continues to explain that insurance agency income and other revenue fell below the same period of the previous year, reducing net sales while increasing operating income. - FY2018-Q2First statedAnnual report
「In the Other businesses, insurance agency income and other revenue fell below the same period of the previous year, resulting in net sales of ¥98 million, down 6.6%, and operating income of ¥15 million, up 7.5%.」
In the Other businesses, insurance agency income and other revenue fell below the same period of the previous year, reducing net sales, while operating income increased.