Worth reading
44Recurring
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
286
Millions of yen (year-on-year increase in operating profit)Wording
Conditional
How definitive the wording is.Contents of this document
Earnings presentationQ3 FY20268 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales¥3,123 million
Operating profit¥835 million
Ordinary income¥847 million
Net income¥581 million
Selling, general and administrative expenses¥1,206 million
Operating profit margin
rate26.7%
Results for the three months of the current quarter
Net Sales
¥1,059 million
Operating profit
¥246 million
Quarterly net income
¥256 million
Full-year earnings forecast
Net Sales
¥4,233 million
Operating profit
¥1,025 million
Ordinary income
¥1,039 million
Net income for the current fiscal year
¥715 million
Earnings per share
¥249.37
What the company explained in this material
New initiatives
- Expansion of guarantee services for nursing care expenses and hospital expenses
- Expansion of ancillary services, including guarantees covering responses to unattended deaths, household contents insurance and monitoring services, through tie-ups with companies
- Data integration with online rental application services
- Improving operational efficiency and enhancing screening through the use of RPA, AI, generative AI and AI-based screening
Key KPIsA metric the company considers important as a management benchmark.
- Number of initial guarantee contracts26,583 EngagementsYear on year against the same period last year99.2%
- Average initial guarantee contract fee48,642 Yen/visitYear on year against the same period last year97.7%
- Incidence of subrogated receivables6.2%Year on year against the same period last year−0.2point
- Collection rate for subrogated receivables99.1%Year on year against the same period last year＋0.3point
Unit price and quantity metricsThese figures show sales broken down by price and volume.
Number of initial guarantee contracts26,583 contracts
Average initial guarantee contract fee¥48,642
Segment results
- Guarantee businessNet Sales¥2,949 millionYear on year against the same period last year114.6%
- OtherNet Sales¥174 millionYear on year against the same period last year104.3%
Market Size / Share
Rent debt guarantee market sizeApproximately ¥250.0 billion
Percentage requiring use of a rent debt guarantee company93.0% (2023)
Number of stores and locations
End of period7 locations
Number of employees
Number of Employees127 People
Record date30 June 2026
Annual Dividend
Annual dividend per share¥25/share (forecast)
Interim and Year-End BreakdownYear-end dividend forecast: ¥25/share. Interim dividend: not disclosed
| Item | Details |
|---|---|
| Document type | Earnings presentation |
| Fiscal Period Covered | Q3 FY2026 |
| Net Sales | ¥3,123 million |
| Operating profit | ¥835 million |
| Ordinary income | ¥847 million |
| Net income | ¥581 million |
| Operating profit margin | rate 26.7% / Year-on-year change (points) Not disclosed |
| Selling, general and administrative expenses | ¥1,206 million |
| Results for the three months of the current quarter | Net Sales ¥1,059 million / Operating profit ¥246 million / Quarterly net income ¥256 million |
| Full-year earnings forecast | Net Sales ¥4,233 million / Operating profit ¥1,025 million / Ordinary income ¥1,039 million / Net income for the current fiscal year ¥715 million / Earnings per share ¥249.37 |
| Segment results | Segment Guarantee business / Net Sales ¥2,949 million / Year on year against the same period last year 114.6% / Profit Not disclosed, Segment Other / Net Sales ¥174 million / Year on year against the same period last year 104.3% / Profit Not disclosed |
| Key KPIs | Indicator name Number of initial guarantee contracts / Value 26,583 Engagements / Year on year against the same period last year 99.2%, Indicator name Average initial guarantee contract fee / Value 48,642 Yen/visit / Year on year against the same period last year 97.7%, Indicator name Incidence of subrogated receivables / Value 6.2% / Year on year against the same period last year −0.2point, Indicator name Collection rate for subrogated receivables / Value 99.1% / Year on year against the same period last year ＋0.3point |
| Unit price and quantity metrics | Number of initial guarantee contracts 26,583 contracts / Average initial guarantee contract fee ¥48,642 |
| Number of stores and locations | End of period 7 locations / Number of store openings and closures during the period Not disclosed |
| Number of employees | Number of Employees 127 People / Record date 30 June 2026 / Changes during the period and hiring plan Not disclosed |
| Annual Dividend | Annual dividend per share ¥25/share (forecast) / Interim and Year-End Breakdown Year-end dividend forecast: ¥25/share. Interim dividend: not disclosed |
| Market Size / Share | Rent debt guarantee market size Approximately ¥250.0 billion / Percentage requiring use of a rent debt guarantee company 93.0% (2023) |
| New initiatives | Expansion of guarantee services for nursing care expenses and hospital expenses, Expansion of ancillary services, including guarantees covering responses to unattended deaths, household contents insurance and monitoring services, through tie-ups with companies, Data integration with online rental application services, Improving operational efficiency and enhancing screening through the use of RPA, AI, generative AI and AI-based screening |
Items this document does not state (13)
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 targetsPayout 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 said that progress in stabilizing its earnings base was supported by securing highly recurring guarantee fees, including renewal guarantee fees and monthly guarantee fees. It also explained that the higher recovery rate on subrogation receivables helped limit the increase in bad-debt receivables and secure stable profits. No specific explanation was provided for the revision to the full-year forecasts.
How to read this page
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