Results for this period
Third quarter1 October 2025 to 30 June 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.
Acquisition of new high-quality customers through the development of new business partners, promotion of Cloud Insure usage, proposals for new product designs, steady growth in the number of contracts, and improved collection efficiency through the use of web-based billing, automated calls, and AI operators.
None ("There are no applicable matters.")
| Item | Details |
|---|---|
| Fiscal Period Classification | Third quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Non-consolidated (standalone) |
| Period Covered | 1 October 2025 to 30 June 2026 |
| Net Sales | ¥3,123 million (YoY +14.0%) |
| Operating profit | ¥835 million (YoY +52.1%) |
| Ordinary income | ¥847 million (YoY +50.8%) |
| Profit attributable to owners of the parent | ¥581 million (YoY +54.4%) |
| Net income per share | ¥202.80 |
| Equity ratio | End of the current fiscal period 52.6 / End of previous period 46.7 |
| Total assets | ¥5,801 million |
| Net assets | ¥3,052 million |
| Full-year earnings forecast | Net Sales ¥4,233 million (YoY +13.3%) / Operating profit ¥1,025 million (YoY +35.1%) / Ordinary income ¥1,039 million (YoY +34.1%) / Net income ¥715 million (YoY +35.4%) |
| Revision to Earnings Forecast | Net Sales Not disclosed → ¥4,233 million / Operating profit Not disclosed → ¥1,025 million / Ordinary income Not disclosed → ¥1,039 million / Net income Not disclosed → ¥715 million |
| Annual Dividend Forecast | ¥19 → ¥25（+31.6%） |
| Segment revenue | Guarantee business ¥2,949,366 thousand (YoY +14.6%) / Other ¥174,587 thousand (YoY +4.3%) |
| Segment profit | Guarantee business ¥1,011,292 thousand (YoY +37.8%) / Other ¥37,298 thousand (YoY +29.3%) |
| Depreciation and amortization | ¥31,685 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 (an earnings presentation video is scheduled to be posted on 27 August 2026; target audience: Not disclosed) |
| Issued Shares at Period-End | 2,869,800 Shares |
| Treasury Shares at Period-End | 103 Shares |
| Factors Behind Changes in Business Performance | Acquisition of new high-quality customers through the development of new business partners, promotion of Cloud Insure usage, proposals for new product designs, steady growth in the number of contracts, and improved collection efficiency through the use of web-based billing, automated calls, and AI operators. |
Items this document does not state (13)
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, promote use of the contract management cloud system "Cloud Insure," propose new product designs, and improve collection efficiency through web-based billing, automated calls, and AI operators. For details of the reasons for revising the earnings forecasts, the company refers readers to the separately disclosed notice titled "Notice Regarding Revisions to Earnings Forecasts and Dividend Forecasts," and does not provide specific reasons for the revisions in this summary.