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
50.4
Year-on-year change in operating income (%)Wording
Conditional
How definitive the wording is.Results for this period
Full year1 October 2025 to 30 September 2026Non-consolidated (separate)Japanese GAAPNet Sales4,192Millions of yenYear on year +12.2%Progress 89.9%
Operating profit1,141Millions of yenYear on year +50.4%Progress 85.2%
Ordinary income1,159Millions of yenYear on year +49.6%Progress 85.5%
Net income attributable to owners of the parent809Millions of yenYear on year +53.2%Progress 87.0%
The 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.
Net income per share¥282.04
Operating Margin27.2%
Financial position at period-end
Total assets6,134Millions of yen
of which net assets 3,279 Millions of yenEquity ratio 53.5%vs. prior year-end +6.8pt
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.
Cash inflows and outflows
Operating+469
Investment-269
Financials-29
Net change+171
Stacked from zero: upward is an increase in cash, downward a decrease (in Millions of yen).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Cash and cash equivalents at end of period2,930 Millions of yen
Segment revenueGuarantee business 3,958.82 Millions of yen (YoY +12.7%), Other 233.49 Millions of yen (YoY +4.5%)
Segment profitGuarantee business 1,392.34 Millions of yen (YoY +35.0%), Other 46.62 Millions of yen (YoY +31.5%)
Outlook and shareholder returns
Full-year earnings forecast
Net Sales4,664 Millions of yen (YoY +11.3%)
Operating profit1,339 Millions of yen (YoY +17.3%)
Ordinary income1,355 Millions of yen (YoY +16.9%)
Net income930 Millions of yen (YoY +15.0%)
Annual Dividend Forecast30 Yen → 33 Yen（+10.0%）
Payout ratioFiscal year ending September 2026 10.6% / Forecast for the fiscal year ending September 2027 10.2%
Factors Behind Changes in Business Performance
The company promoted measures including developing new business partners, encouraging the use of Cloud Insure, proposing new product designs, and improving operational and collection efficiency through SMS, automated calls and AI operators.
Disclosure regarding the going concern assumption
None
Change in accounting policy
基準改正に伴う変更 Noneそれ以外の変更 None見積りの変更 None修正再表示 None
Material subsequent eventsNone
Depreciation and amortization42.38 Millions of yen
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person Not disclosed / Details A video of the financial results briefing is scheduled to be posted on the company website on 26 November 2026.
Issued Shares at Period-End2,869,800 Shares
Treasury Shares at Period-End142 Shares
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Non-consolidated (separate) |
| Period Covered | 1 October 2025 to 30 September 2026 |
| Net Sales | 4,192 Millions of yen (YoY +12.2%) |
| Operating profit | 1,141 Millions of yen (YoY +50.4%) |
| Ordinary income | 1,159 Millions of yen (YoY +49.6%) |
| Profit attributable to owners of the parent | 809 Millions of yen (YoY +53.2%) |
| Net income per share | ¥282.04 |
| Operating Margin | 27.2% |
| Equity ratio | End of the current fiscal period 53.5% / End of previous period 46.7% |
| Total assets | 6,134 Millions of yen |
| Net assets | 3,279 Millions of yen |
| Cash flows from operating activities | 469 Millions of yen |
| Cash flows from investing activities | -269 Millions of yen |
| Cash flows from financing activities | -29 Millions of yen |
| Cash and cash equivalents at end of period | 2,930 Millions of yen |
| Full-year earnings forecast | Net Sales 4,664 Millions of yen (YoY +11.3%) / Operating profit 1,339 Millions of yen (YoY +17.3%) / Ordinary income 1,355 Millions of yen (YoY +16.9%) / Net income 930 Millions of yen (YoY +15.0%) |
| Annual Dividend Forecast | 30 Yen → 33 Yen（+10.0%） |
| Payout ratio | Fiscal year ending September 2026 10.6% / Forecast for the fiscal year ending September 2027 10.2% |
| Segment revenue | Guarantee business 3,958.82 Millions of yen (YoY +12.7%), Other 233.49 Millions of yen (YoY +4.5%) |
| Segment profit | Guarantee business 1,392.34 Millions of yen (YoY +35.0%), Other 46.62 Millions of yen (YoY +31.5%) |
| Depreciation and amortization | 42.38 Millions of yen |
| Disclosure regarding the going concern assumption | None |
| Change in accounting policy | Changes due to revisions to standards None / Other changes None / Change in accounting estimate None / Restatement None |
| Material subsequent events | None |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Not disclosed / Details A video of the financial results briefing is scheduled to be posted on the company website on 26 November 2026. |
| Issued Shares at Period-End | 2,869,800 Shares |
| Treasury Shares at Period-End | 142 Shares |
| Factors Behind Changes in Business Performance | The company promoted measures including developing new business partners, encouraging the use of Cloud Insure, proposing new product designs, and improving operational and collection efficiency through SMS, automated calls and AI operators. |
Items this document does not state (7)
Revision to Earnings ForecastShareholder Return PolicyRegional salesOrders received and order backlogImpairment lossBreakdown of extraordinary income (loss)Changes in the scope of consolidation
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 attributed this to efforts to develop new business partners, promote the use of Cloud Insure and propose products to existing customers, and improve operational and collection efficiency through the use of SMS, automated calls and AI operators.
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.