Results for this period
Interim period (second quarter)1 October 2025–31 March 2026Non-consolidated (standalone)Japanese GAAPThe width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
塗りつぶした部分が自己資本比率です。総資産のうち、返済のいらない自前の資金がどれだけかを表します。The thin vertical line indicates the level at the end of the previous fiscal year.
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ thousand).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Development of new business partners, acquisition of new high-quality customers, renewal of Cloud Insure, proposals for new product designs through tie-ups, an increase in the number of contracts, and initiatives to improve collection efficiency using SMS, web billing, automated calls and AI operators.
None ("There are no applicable matters.")
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Non-consolidated (standalone) |
| Period Covered | 1 October 2025–31 March 2026 |
| Net Sales | ¥2,064 million (YoY +15.6%) |
| Operating profit | ¥590 million (YoY +52.5%) |
| Ordinary income | ¥602 million (YoY +51.0%) |
| Profit attributable to owners of the parent | ¥417 million (YoY +53.3%) |
| Net income per share | ¥145.64 |
| Equity ratio | End of the current fiscal period 51.4 / End of previous period 46.7 |
| Total assets | ¥5,624 million |
| Net assets | ¥2,888 million |
| Cash flows from operating activities | ¥150,996 thousand |
| Cash flows from investing activities | ¥2,107 thousand |
| Cash flows from financing activities | ¥-27,255 thousand |
| Cash and cash equivalents at end of period | ¥2,885,646 thousand |
| Full-year earnings forecast | Net Sales ¥4,233 million (YoY +13.3%) / Operating profit ¥883 million (YoY +16.4%) / Ordinary income ¥887 million (YoY +14.5%) / Net income ¥617 million (YoY +16.8%) |
| Annual Dividend Forecast | ¥19 → ¥22（+15.8%） |
| Segment revenue | Segment Guarantee business / Net Sales ¥1,949,641 thousand / Year-on-year (%) ¥16.4 thousand, Segment Other / Net Sales ¥115,159 thousand / Year-on-year (%) ¥3.6 thousand |
| Segment profit | Segment Guarantee business / Segment profit ¥720,377 thousand / Year-on-year (%) ¥39.1 thousand, Segment Other / Segment profit ¥23,381 thousand / Year-on-year (%) ¥18.1 thousand |
| Depreciation and amortization | ¥20,879 thousand |
| Disclosure regarding the going concern assumption | None ("There are no applicable matters.") |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement No |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (online briefing for investors) |
| Issued Shares at Period-End | 2,869,800 Shares |
| Treasury Shares at Period-End | 103 Shares |
| Factors Behind Changes in Business Performance | Development of new business partners, acquisition of new high-quality customers, renewal of Cloud Insure, proposals for new product designs through tie-ups, an increase in the number of contracts, and initiatives to improve collection efficiency using SMS, web billing, automated calls and AI operators. |
Items this document does not state (10)
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.The Company worked to acquire new high-quality customers by developing new business partners, renew the contract management cloud system "Cloud Insure," propose new product designs through tie-ups, and automate operations using SMS-based web billing, automated calls and AI operators. As a result, the number of contracts progressed steadily and collection efficiency improved.