Worth reading
65In focus
Scored from 5 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
53.3
% (year-on-year change in revenue)Wording
Conditional
How definitive the wording is.Contents of this document
Financial results presentationFiscal year ending March 202613 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales¥64,257 million+53.3%
Operating profit¥9,730 million+44.6%
Ordinary income¥8,681 million+42.7%
Net income¥6,051 million+37.9%
Selling, general and administrative expenses¥4,193 million
Results for the three months of the current quarter
Ordinary income
¥1,371 million
Sales of investment products and equity interests, etc.
¥23,518 million
Full-year earnings forecast
Fiscal year ending March 2027
Net Sales
¥66,000 million
Operating profit
¥10,400 million
Ordinary income
¥8,900 million
Profit attributable to owners of the parent
¥6,100 million
Sales of investment products and equity interests, etc.
¥143,000 million
JOL products
¥50,000 million
JOLCO products
¥93,000 million
Origination amount
¥450,000 million
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。
Sales of investment products and equity interests, etc.103.2% of initial forecast
JOLCO products103.2% of initial forecast
JOL products103.2% of initial forecast
Origination amount127.2% of initial forecast
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
All profit figures came in above the initial forecastsBreakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
Higher sales of investment products and related offerings and higher amounts arranged, together with cost savings in cost of sales and selling, general and administrative expenses
Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.
Higher personnel expenses from stronger recruitment, an increase in borrowings accompanying growth in the investment product balance, rising interest rates, JOL product sales remaining flat year on year, and a target of 20.2% growth in JOLCO product sales from the previous fiscal yearNew initiatives
- Review of the organizational structure
- Stronger approaches to leading partners and large investors
- Expansion of the diverse product lineup, including JOL and JOLCO
- Stronger collaboration with SBI Group companies
Key KPIsA metric the company considers important as a management benchmark.
- Sales of investment products and equity interests, etc.¥126,930 millionYear on year against the same period last year+22.5%
- Origination amount¥407,195 millionYear on year against the same period last year+28.2%
- Inventory balance¥915 100 million
- Funding Facilities¥1,420 100 millionYear on year against the same period last year+22.8%
- Number of partners445 Engagements
- Sales through collaboration with the SBI Group¥140.2 100 million
Unit price and quantity metricsThese figures show sales broken down by price and volume.
Sales per JOLCO product
¥136 million
Segment results
JOL
Net Sales
¥51,638 million
Sales value
¥49,557 million+39.7%
JOLCO
Net Sales
¥10,939 million
Sales value
¥77,372 million+13.5%
Medium-term management plan targets
Ordinary incomeStable and sustained growth averaging 10% plus an additional factor
Comparison with actual resultsOrdinary profit grew by approximately 32.6% on average, exceeding the medium-term management plan
Market Size / Share
JOL and JOLCO market
Fiscal 2026 forecast¥10,940 100 million
Number of target investorsMore than 1 million companies
Potential customer marketApproximately ¥37 trillion
Company sales share
FY202412.1 %
Number of stores and locations
25 locations, 12 locations, 6 locations and 70 locations (the number of locations operated by the respective SBI Group affiliates). The number of store openings and closures during the period was not disclosedNumber of employees
Number of Employees79 people
Reference dateEnd of March 2026
Changes during the period and hiring planA policy of strengthening recruitment is stated, but the number of employees was not disclosed
Annual Dividend
Forecast annual dividend for the fiscal year ending March 2027¥115
Interim Dividend¥30
Year-end dividend¥85
Payout ratio
Consolidated payout ratio of at least 30% as a guideline| Item | Details |
|---|---|
| Document type | Financial results presentation |
| Fiscal Period Covered | Fiscal year ending March 2026 |
| Net Sales | ¥64,257 million (YoY +53.3%) |
| Operating profit | ¥9,730 million (YoY +44.6%) |
| Ordinary income | ¥8,681 million (YoY +42.7%) |
| Net income | ¥6,051 million (YoY +37.9%) |
| Selling, general and administrative expenses | ¥4,193 million |
| Results for the three months of the current quarter | Ordinary income ¥1,371 million / Sales of investment products and equity interests, etc. ¥23,518 million |
| Full-year earnings forecast | Fiscal year ending March 2027 Net Sales ¥66,000 million / Operating profit ¥10,400 million / Ordinary income ¥8,900 million / Profit attributable to owners of the parent ¥6,100 million / Sales of investment products and equity interests, etc. ¥143,000 million / JOL products ¥50,000 million / JOLCO products ¥93,000 million / Origination amount ¥450,000 million |
| Progress against full-year forecast | Sales of investment products and equity interests, etc. 103.2% of initial forecast / JOLCO products 103.2% of initial forecast / JOL products 103.2% of initial forecast / Origination amount 127.2% of initial forecast |
| Self-assessment against the plan | All profit figures came in above the initial forecasts |
| Segment results | JOL Net Sales ¥51,638 million / Sales value ¥49,557 million (YoY +39.7%) / JOLCO Net Sales ¥10,939 million / Sales value ¥77,372 million (YoY +13.5%) |
| Breakdown of Factors Affecting the Change | Higher sales of investment products and related offerings and higher amounts arranged, together with cost savings in cost of sales and selling, general and administrative expenses |
| Key KPIs | Indicator name Sales of investment products and equity interests, etc. / Value ¥126,930 million / Year on year against the same period last year ¥22.5 million, Indicator name Origination amount / Value ¥407,195 million / Year on year against the same period last year ¥28.2 million, Indicator name Inventory balance / Value ¥915 100 million / Year on year against the same period last year Not disclosed, Indicator name Funding Facilities / Value ¥1,420 100 million / Year on year against the same period last year ¥22.8 100 million, Indicator name Number of partners / Value 445 Engagements / Year on year against the same period last year Not disclosed, Indicator name Sales through collaboration with the SBI Group / Value ¥140.2 100 million / Year on year against the same period last year Not disclosed |
| Unit price and quantity metrics | Sales per JOLCO product ¥136 million |
| Number of stores and locations | 25 locations, 12 locations, 6 locations and 70 locations (the number of locations operated by the respective SBI Group affiliates). The number of store openings and closures during the period was not disclosed |
| Number of employees | Number of Employees 79 people / Reference date End of March 2026 / Changes during the period and hiring plan A policy of strengthening recruitment is stated, but the number of employees was not disclosed |
| Assumptions Underlying the Business Outlook | Higher personnel expenses from stronger recruitment, an increase in borrowings accompanying growth in the investment product balance, rising interest rates, JOL product sales remaining flat year on year, and a target of 20.2% growth in JOLCO product sales from the previous fiscal year |
| Medium-term management plan targets | Ordinary income Stable and sustained growth averaging 10% plus an additional factor / Comparison with actual results Ordinary profit grew by approximately 32.6% on average, exceeding the medium-term management plan |
| Annual Dividend | Forecast annual dividend for the fiscal year ending March 2027 ¥115 / Interim Dividend ¥30 / Year-end dividend ¥85 |
| Payout ratio | Consolidated payout ratio of at least 30% as a guideline |
| Market Size / Share | JOL and JOLCO market Fiscal 2026 forecast ¥10,940 100 million / Number of target investors More than 1 million companies / Potential customer market Approximately ¥37 trillion / Company sales share FY2024 12.1 % |
| New initiatives | Review of the organizational structure, Stronger approaches to leading partners and large investors, Expansion of the diverse product lineup, including JOL and JOLCO, Stronger collaboration with SBI Group companies |
Items this document does not state (8)
Gross Profit MarginOperating profit marginRisk amount incorporated into the outlookFinancial targetsAcquisition 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.Sales of investment products and related offerings and the amount of products arranged increased, costs including cost of sales and selling, general and administrative expenses were contained, and sales progressed steadily due to a stronger sales structure and a competitive product lineup.
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.