Worth reading
52Recurring
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
180
Millions of yen (year-on-year increase in operating income)Wording
Conditional
How definitive the wording is.Contents of this document
Earnings presentationThird quarter of the fiscal year ending December 20268 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales¥2,999 million+10.6%
Operating profit¥201 million+860.7%
Ordinary income¥207 million+363.7%
Net income¥142 million+179.2%
Selling, general and administrative expensesSG&A expenses down 41
Full-year earnings forecast
Net Sales
¥4,000 million
Operating profit
¥200 million
Ordinary income
¥200 million
Profit attributable to owners of the parent
¥140 million
Earnings per share
¥55.57
Progress against full-year forecast 通期の予想に対して、いまどこまで進んだかの割合です。
Net Sales75.0%
Operating profit100.6%
Ordinary income103.9%
Profit attributable to owners of the parent101.5%
Medical Assistance72.5%
Inbound medical tourism99.5%
Life / Non-medical76.1%
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
Achieved the medium-term management plan targets and moved onto a growth trajectory / Expected to achieve the full-year plan with certaintyBreakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
- Operating profit, third quarter of fiscal year ending December 2025¥20 million
- Increase in revenue¥287 million
- Increase in cost of sales¥-148 million
- Decrease in selling, general and administrative expenses¥41 million
- Third-quarter operating profit, fiscal year ending December 2026¥201 million
Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.
External conditions, including the weaker yen, as well as interest rate and foreign exchange fluctuations are mentioned, but specific assumptions are Not disclosedNew initiatives
- Planned release of the next-generation app “EAJ Members”
- Introduction of “Genesys Cloud” in the Life Assistance business
- Japan-China medical collaboration under MOUs with Southern Tohoku General Hospital and Shanghai Jiahui International Hospital
- Implementation of new EMIS features and start of operations
- Expansion of Security Assistance and crisis management services for international students
Segment results
Total reportable segments
Net Sales
¥2,999 million+10.6%
Segment profit
¥201 million+860.7%
Medical assistance business
Net Sales
¥2,619 million+11.3%
Segment profit
¥531 million+52.5%
Life assistance business
Net Sales
¥380 million+5.9%
Segment profit
¥58 million-28.5%
Adjustments
Segment profit
¥-388 million
Medium-term management plan targets
Target fiscal yearFY2027.12
Net Sales
¥5,000 million
Operating profit
¥350 million
Operating profit margin
7 %
ROE
10 %
Comparison with actual resultsThe fiscal year ending December 2026 plan calls for revenue of ¥4,000 million and operating profit of ¥200 million. Operating profit for the third quarter was ¥201 million
Financial targets
ROE
Actual results for the fiscal year ended December 20255.6%
Plan for the fiscal year ending December 20269.0%
Plan for the fiscal year ending December 202710.0%
Equity ratio
Actual results for the fiscal year ended December 202548.7%
Plan30%～40%
Payout ratio
Actual results for the fiscal year ended December 202522.3%
Plan20%～30%
Payout ratio
22.3% for the fiscal year ended December 2025; plan: 20%–30%| Item | Details |
|---|---|
| Document type | Earnings presentation |
| Fiscal Period Covered | Third quarter of the fiscal year ending December 2026 |
| Net Sales | ¥2,999 million (YoY +10.6%) |
| Operating profit | ¥201 million (YoY +860.7%) |
| Ordinary income | ¥207 million (YoY +363.7%) |
| Net income | ¥142 million (YoY +179.2%) |
| Selling, general and administrative expenses | SG&A expenses down 41 |
| Full-year earnings forecast | Net Sales ¥4,000 million / Operating profit ¥200 million / Ordinary income ¥200 million / Profit attributable to owners of the parent ¥140 million / Earnings per share ¥55.57 |
| Progress against full-year forecast | Net Sales 75.0% / Operating profit 100.6% / Ordinary income 103.9% / Profit attributable to owners of the parent 101.5% / Medical Assistance 72.5% / Inbound medical tourism 99.5% / Life / Non-medical 76.1% |
| Self-assessment against the plan | Achieved the medium-term management plan targets and moved onto a growth trajectory / Expected to achieve the full-year plan with certainty |
| Segment results | Total reportable segments Net Sales ¥2,999 million (YoY +10.6%) / Segment profit ¥201 million (YoY +860.7%) / Medical assistance business Net Sales ¥2,619 million (YoY +11.3%) / Segment profit ¥531 million (YoY +52.5%) / Life assistance business Net Sales ¥380 million (YoY +5.9%) / Segment profit ¥58 million (YoY -28.5%) / Adjustments Net Sales Not disclosed / Segment profit ¥-388 million |
| Breakdown of Factors Affecting the Change | Factors Operating profit, third quarter of fiscal year ending December 2025 / Amount ¥20 million, Factors Increase in revenue / Amount ¥287 million, Factors Increase in cost of sales / Amount ¥-148 million, Factors Decrease in selling, general and administrative expenses / Amount ¥41 million, Factors Third-quarter operating profit, fiscal year ending December 2026 / Amount ¥201 million |
| Assumptions Underlying the Business Outlook | External conditions, including the weaker yen, as well as interest rate and foreign exchange fluctuations are mentioned, but specific assumptions are Not disclosed |
| Medium-term management plan targets | Target fiscal year FY2027.12 / Net Sales ¥5,000 million / Operating profit ¥350 million / Operating profit margin 7 % / ROE 10 % / Comparison with actual results The fiscal year ending December 2026 plan calls for revenue of ¥4,000 million and operating profit of ¥200 million. Operating profit for the third quarter was ¥201 million |
| Financial targets | ROE Actual results for the fiscal year ended December 2025 5.6% / Plan for the fiscal year ending December 2026 9.0% / Plan for the fiscal year ending December 2027 10.0% / Equity ratio Actual results for the fiscal year ended December 2025 48.7% / Plan 30%～40% / Payout ratio Actual results for the fiscal year ended December 2025 22.3% / Plan 20%～30% |
| Payout ratio | 22.3% for the fiscal year ended December 2025; plan: 20%–30% |
| New initiatives | Planned release of the next-generation app “EAJ Members”, Introduction of “Genesys Cloud” in the Life Assistance business, Japan-China medical collaboration under MOUs with Southern Tohoku General Hospital and Shanghai Jiahui International Hospital, Implementation of new EMIS features and start of operations, Expansion of Security Assistance and crisis management services for international students |
Items this document does not state (14)
Gross Profit MarginOperating profit marginResults for the three months of the current quarterKey KPIsUnit price and quantity metricsNumber of stores and locationsNumber of employeesRisk amount incorporated into the outlookAnnual DividendAcquisition of treasury sharesCapital expendituresOrders received and order backlogMarket Size / ShareKey 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.New orders from a major overseas non-life insurer in the Medical Assistance business, strategic price revisions and growing demand from inbound visitors contributed to higher revenue. The effect of higher revenue absorbed the increase in cost of sales, while greater efficiency in selling, general and administrative expenses also contributed.
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.