Worth reading
36Immaterial
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Improvement
Direction inferred from the company’s description.Scale
279
Millions of yen (year-on-year change in revenue)Wording
Conditional
How definitive the wording is.Contents of this document
Financial results presentationSecond quarter (interim period) of the fiscal year ending September 20267 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales¥2,064 million+115.6%
Operating profit¥590 million+152.5%
Ordinary income¥602 million+151.0%
Net income¥417 million+153.3%
Operating profit margin28.6 %
Selling, general and administrative expenses¥807 million
Results for the three months of the current quarter
Net Sales
¥1,031 million
Operating profit
¥347 million
Interim net income
¥256 million
Full-year earnings forecast
Net Sales
¥4,233 million
Operating profit
¥883 million
Interim net income
¥617 million
What the company explained in this material
New initiatives
- Expansion of guarantee services for nursing care expenses and hospital expenses
- Expansion of ancillary services through tie-ups with companies, including response guarantees for solitary deaths, household contents insurance, emergency dispatch and safety monitoring services
- Data integration with online rental application services
- Operational efficiency improvements and DX initiatives using RPA, AI, generative AI and electronic contracts
Key KPIsA metric the company considers important as a management benchmark.
- Number of initial guarantee contracts15,145 EngagementsYear on year against the same period last year+98.6%
- Average initial guarantee contract fee¥51,492 per orderYear on year against the same period last year+99.8%
- Incidence of subrogated receivables6.2 %Year on year against the same period last yearDown 0.2 percentage points year on year
- Collection rate for subrogated receivables99.1 %Year on year against the same period last yearUp 0.3 percentage points year on year
- Initial guarantee fees (cash-receipt basis)¥1,964 millionYear on year against the same period last year+99.6%
- Renewal guarantee fees (cash-receipt basis)¥973 millionYear on year against the same period last year+108.9%
- Monthly guarantee fees (cash-receipt basis)¥555 millionYear on year against the same period last year+137.6%
Unit price and quantity metricsThese figures show sales broken down by price and volume.
Number of initial guarantee contracts
15,145 Engagements
Year on year against the same period last year+98.6%
Average initial guarantee contract fee
¥51,492 per order
Year on year against the same period last year+99.8%
Segment results
Guarantee business
Net Sales
¥1,949 million+116.4%
Other
Net Sales
¥115 million+103.6%
Market Size / Share
Rent debt guarantee market size
2,500 Hundreds of millions of yen
Percentage requiring use of a rent debt guarantee company
93 %
Base year2,023
Number of stores and locations
End of period7 Location
Number of employees
126 People
Record date31 March 2026
| Item | Details |
|---|---|
| Document type | Financial results presentation |
| Fiscal Period Covered | Second quarter (interim period) of the fiscal year ending September 2026 |
| Net Sales | ¥2,064 million (YoY +115.6%) |
| Operating profit | ¥590 million (YoY +152.5%) |
| Ordinary income | ¥602 million (YoY +151.0%) |
| Net income | ¥417 million (YoY +153.3%) |
| Operating profit margin | 28.6 % |
| Selling, general and administrative expenses | ¥807 million |
| Results for the three months of the current quarter | Net Sales ¥1,031 million / Operating profit ¥347 million / Interim net income ¥256 million |
| Full-year earnings forecast | Net Sales ¥4,233 million / Operating profit ¥883 million / Interim net income ¥617 million |
| Segment results | Guarantee business Net Sales ¥1,949 million (YoY +116.4%) / Profit Not disclosed / Other Net Sales ¥115 million (YoY +103.6%) / Profit Not disclosed |
| Key KPIs | Indicator name Number of initial guarantee contracts / Value 15,145 Engagements / Year on year against the same period last year 98.6 Engagements, Indicator name Average initial guarantee contract fee / Value ¥51,492 per order / Year on year against the same period last year ¥99.8 per order, Indicator name Incidence of subrogated receivables / Value 6.2 % / Year on year against the same period last year Down 0.2 percentage points year on year, Indicator name Collection rate for subrogated receivables / Value 99.1 % / Year on year against the same period last year Up 0.3 percentage points year on year, Indicator name Initial guarantee fees (cash-receipt basis) / Value ¥1,964 million / Year on year against the same period last year ¥99.6 million, Indicator name Renewal guarantee fees (cash-receipt basis) / Value ¥973 million / Year on year against the same period last year ¥108.9 million, Indicator name Monthly guarantee fees (cash-receipt basis) / Value ¥555 million / Year on year against the same period last year ¥137.6 million |
| Unit price and quantity metrics | Number of initial guarantee contracts 15,145 Engagements / Average initial guarantee contract fee ¥51,492 per order |
| Number of stores and locations | End of period 7 Location / Number of store openings and closures during the period Not disclosed |
| Number of employees | 126 People |
| Market Size / Share | Rent debt guarantee market size 2,500 Hundreds of millions of yen / Percentage requiring use of a rent debt guarantee company 93 % |
| New initiatives | Expansion of guarantee services for nursing care expenses and hospital expenses, Expansion of ancillary services through tie-ups with companies, including response guarantees for solitary deaths, household contents insurance, emergency dispatch and safety monitoring services, Data integration with online rental application services, Operational efficiency improvements and DX initiatives using RPA, AI, generative AI and electronic contracts |
Items this document does not state (14)
Gross Profit MarginProgress against full-year forecastSelf-assessment against the planBreakdown of Factors Affecting the ChangeAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookMedium-term management plan targetsFinancial targetsAnnual 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.The company explained that revenue from the guarantee business increased 16.4% year on year, while it secured highly recurring revenue, including renewal guarantee fees and monthly guarantee fees, thereby making progress toward stabilizing its earnings base. It also reported a decline in the incidence of subrogated receivables and an increase in the collection rate for subrogated receivables.
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