Worth reading
46Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Mixed performance
Direction inferred from the company’s description.Scale
8.1
Year-on-year change in consolidated net sales (%)Wording
Conditional
How definitive the wording is.Contents of this document
Summary of Q&AFirst quarter of the fiscal year ending February 20277 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net SalesUp 8.1% year on year+8.1%
Operating profitUp 195.5% year on year+195.5%
Results for the three months of the current quarterConsolidated net sales increased 8.1% year on year and operating profit increased 195.5% year on year. Net sales in the Financial Solutions business increased 7.3% year on year, while segment profit increased 31.8%. The Real Estate Solutions business narrowed its loss. Net sales in the Construction Solutions business decreased 2.0% year on year, while segment profit decreased 70.7%.
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。
Consolidated revenue20.0％
Consolidated operating profit14.9％
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
Net sales are progressing generally in line with the plan. We recognize that additional measures are needed to achieve the full-year operating profit plan.Key points of the Q&AKey questions raised by investors at the briefing and the company's answers
- Q1 performance review: Revenue and profit increased, although operating profit included a temporary impact from the reversal of the allowance for doubtful accounts.
- Factors behind revenue growth: Revenue increased in the Financial Solutions, Real Estate Solutions, and Professional Services Solutions businesses.
- Progress toward the full-year plan: 20.0% for consolidated net sales and 14.9% for operating profit. Net sales are generally in line with the plan, but improving profitability and other measures are needed to achieve the profit target.
- Business-specific challenges: The Real Estate Solutions business must achieve profitability and improve its profit margin, while the Construction Solutions business faces challenges in its order-taking structure, delivery-time management, and use of AI.
- Medium-Term Management Plan 2027: Expanding the scope of services provided to existing customers, developing new customers, implementing and conducting demonstration projects for the AI inheritance support tool Mitsuro-kun, and strengthening the organizational foundation.
New initiatives
- Expanding services into adjacent areas, including mortgage payoff, trust, and inheritance services
- Full implementation of the AI inheritance support tool Mitsuro-kun by municipalities and demonstration projects for financial institutions
- Improving operational efficiency through the use of AI in the Construction Solutions business
- Standardizing and automating operations, recruiting personnel, reviewing the evaluation system, and establishing training programs
Key KPIsA metric the company considers important as a management benchmark.
- Number of home loans handled by internet-only banksRecovery
- Number of trust service contractsIncreased
- Number of real estate auction transactions completedAbove the same period of the previous yearYear on year against the same period last yearHigher
- Number of municipalities that have fully implemented the AI inheritance support tool Mitsuro-kun12 Local government
Unit price and quantity metricsThese figures show sales broken down by price and volume.
The number of home loans handled, the number of trust service contracts, and the number of real estate auction transactions completed are disclosed, but the breakdown between price and volume is not disclosedSegment results
- Financial Solutions BusinessSalesUp 7.3% year on yearProfitUp 31.8% year on year
- Real Estate Solutions BusinessSalesRevenue growthProfitNarrower Losses
- Professional Services Solutions BusinessSalesRevenue growth
- Construction Solutions BusinessSalesDown 2.0% year on yearProfitDown 70.7% year on year
Medium-term management plan targets
The company states that it aims to achieve Medium-Term Management Plan 2027, but the target figures and target fiscal year are not disclosed| Item | Details |
|---|---|
| Document type | Summary of Q&A |
| Fiscal Period Covered | First quarter of the fiscal year ending February 2027 |
| Net Sales | Up 8.1% year on year (YoY +8.1%) |
| Operating profit | Up 195.5% year on year (YoY +195.5%) |
| Results for the three months of the current quarter | Consolidated net sales increased 8.1% year on year and operating profit increased 195.5% year on year. Net sales in the Financial Solutions business increased 7.3% year on year, while segment profit increased 31.8%. The Real Estate Solutions business narrowed its loss. Net sales in the Construction Solutions business decreased 2.0% year on year, while segment profit decreased 70.7%. |
| Progress against full-year forecast | Consolidated revenue 20.0％ / Consolidated operating profit 14.9％ |
| Self-assessment against the plan | Net sales are progressing generally in line with the plan. We recognize that additional measures are needed to achieve the full-year operating profit plan. |
| Segment results | Segment Financial Solutions Business / Sales Up 7.3% year on year / Profit Up 31.8% year on year, Segment Real Estate Solutions Business / Sales Revenue growth / Profit Narrower Losses, Segment Professional Services Solutions Business / Sales Revenue growth / Profit Not disclosed, Segment Construction Solutions Business / Sales Down 2.0% year on year / Profit Down 70.7% year on year |
| Key KPIs | Indicator Number of home loans handled by internet-only banks / Value Recovery / Year on year against the same period last year Not disclosed, Indicator Number of trust service contracts / Value Increased / Year on year against the same period last year Not disclosed, Indicator Number of real estate auction transactions completed / Value Above the same period of the previous year / Year on year against the same period last year Higher, Indicator Number of municipalities that have fully implemented the AI inheritance support tool Mitsuro-kun / Value 12 Local government / Year on year against the same period last year Not disclosed |
| Unit price and quantity metrics | The number of home loans handled, the number of trust service contracts, and the number of real estate auction transactions completed are disclosed, but the breakdown between price and volume is not disclosed |
| Medium-term management plan targets | The company states that it aims to achieve Medium-Term Management Plan 2027, but the target figures and target fiscal year are not disclosed |
| Key points of the Q&A | Q1 performance review: Revenue and profit increased, although operating profit included a temporary impact from the reversal of the allowance for doubtful accounts., Factors behind revenue growth: Revenue increased in the Financial Solutions, Real Estate Solutions, and Professional Services Solutions businesses., Progress toward the full-year plan: 20.0% for consolidated net sales and 14.9% for operating profit. Net sales are generally in line with the plan, but improving profitability and other measures are needed to achieve the profit target., Business-specific challenges: The Real Estate Solutions business must achieve profitability and improve its profit margin, while the Construction Solutions business faces challenges in its order-taking structure, delivery-time management, and use of AI., Medium-Term Management Plan 2027: Expanding the scope of services provided to existing customers, developing new customers, implementing and conducting demonstration projects for the AI inheritance support tool Mitsuro-kun, and strengthening the organizational foundation. |
| New initiatives | Expanding services into adjacent areas, including mortgage payoff, trust, and inheritance services, Full implementation of the AI inheritance support tool Mitsuro-kun by municipalities and demonstration projects for financial institutions, Improving operational efficiency through the use of AI in the Construction Solutions business, Standardizing and automating operations, recruiting personnel, reviewing the evaluation system, and establishing training programs |
Items this document does not state (18)
Ordinary incomeNet incomeGross Profit MarginOperating profit marginSelling, general and administrative expensesFull-year earnings forecastBreakdown of Factors Affecting the ChangeNumber of stores and locationsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookFinancial targetsAnnual DividendPayout ratioAcquisition of treasury sharesCapital expendituresOrders received and order backlogMarket Size / Share
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.Revenue growth in the Financial Solutions, Real Estate Solutions, and Professional Services Solutions businesses contributed to the increase in net sales. Operating profit included a temporary impact from the reversal of the allowance for doubtful accounts following the collection of certain receivables.
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.
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Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.