Growth in Outsourced Volumes and Earnings Driven by Increased Mortgage Refinancing Applications
First written in FY2017-Q1. 18 of 37 entries say "Advanced", first in FY2017-Q2. Latest entry: 2026-10-07.
MITRA Group moved to the "Worse" side of this theme in 2018.
2 other companies' latest entry also says "Advanced".
- 2026-10-07AdvancedEarnings
「主に金融機関の住宅ローン取扱い件数が好調に推移したことに伴い、各種サービス利用件数が増加しました。」
住宅ローン取扱い件数の低調により悪化していた関連サービス利用実績について、当中間期は前年同期を上回る方向の実績が示された。 - FY2027-H1AdvancedAnnual report
「During the interim consolidated accounting period, usage of various services increased, mainly as the number of mortgage transactions handled by financial institutions remained strong.」
Mortgage transactions, which had been sluggish in the previous fiscal year, remained strong during the interim consolidated accounting period, increasing usage of related services. - 2026-07-13AdvancedFinancial Results Presentation
「In the financial solutions business, results benefited from the recovery in housing-loan volumes at online-only banks, partly due to seasonal peak demand, strong investment-property lending by financial institutions, and an increase in the number of trust-service contracts.」
The financial solutions business improved as housing-loan volumes recovered and trust-service contracts increased. - FY2026WorsenedAnnual report
「During the consolidated fiscal year, the number of mortgages handled by financial institutions remained sluggish, and usage of the various services in the Financial Solutions business fell below the previous year.」
The full-year business results showed that the number of related services used fell below the prior year amid sluggish mortgage volumes. - 2026-04-03WorsenedEarnings
「Because the number of housing loans handled by financial institutions remained sluggish, the number of users of various services in the financial solutions business fell below the previous year.」
The weakness in housing-loan volumes and related service usage was reconfirmed in the full-year results. - FY2026-H1WorsenedAnnual report
「Against this backdrop, during the interim consolidated accounting period, the number of services used in the Financial Solutions business fell below the prior year because the number of mortgages handled by financial institutions remained sluggish.」
The sluggish number of mortgages handled by financial institutions led to a decline in the number of services used in the Financial Solutions business compared with the prior year. - FY2025AdvancedAnnual report
「As a result, for the fiscal year, the Group recorded revenue of ¥4,741.362 million (up 14.6% from the previous fiscal year), operating profit of ¥482.405 million (up 5.8%), ordinary profit of ¥486.953 million (up 6.5%), and net profit attributable to owners of the parent of ¥349.113 million (up 16.4%).」
Full-year revenue, operating profit, ordinary profit and net profit attributable to owners of the parent all exceeded the prior year, resulting in higher revenue and higher profit. - FY2025-H1AdvancedAnnual report
「As a result, for the interim consolidated accounting period, the Group recorded revenue of ¥2,374.106 million (up 17.7% year on year), operating profit of ¥326.217 million (up 54.4%), ordinary profit of ¥330.257 million (up 59.4%), and interim net profit attributable to owners of the parent of ¥230.824 million (up 76.0%).」
Revenue, operating profit, ordinary profit and interim net profit attributable to owners of the parent for the interim consolidated accounting period all exceeded the prior-year period. - FY2025-Q1AdvancedAnnual report
「As a result, for the cumulative first quarter of the fiscal year, the Group recorded revenue of ¥1,173.482 million (up 13.2% year on year), operating profit of ¥198.14 million (up 62.5%), ordinary profit of ¥206.686 million (up 66.2%), and net profit attributable to owners of the parent of ¥142.471 million (up 112.8%).」
Revenue, operating profit, ordinary profit and net profit attributable to owners of the parent exceeded the prior-year period, driven by an increase in the number of users of mortgage-related services provided by financial institutions. - FY2024AdvancedAnnual report
「As a result, for the fiscal year, the Group recorded revenue of ¥4,138.525 million (up 11.5% from the previous fiscal year), operating profit of ¥456.094 million (up 95.1%), ordinary profit of ¥457.108 million (up 68.7%), and net profit attributable to owners of the parent of ¥299.841 million (up 226.1%).」
For the full year, revenue, operating profit, ordinary profit and net profit attributable to owners of the parent all exceeded the prior year, with operating profit up 95.1% and net profit up 226.1%. - FY2024-Q3AdvancedAnnual report
「As a result, for the cumulative third quarter of the fiscal year, the Group recorded revenue of ¥3,032.055 million (up 16.0% year on year), operating profit of ¥345.246 million (up 15.2%), ordinary profit of ¥343.389 million (up 14.3%), and net profit attributable to owners of the parent of ¥218.673 million (up 22.6%).」
Revenue, operating profit, ordinary profit and net profit attributable to owners of the parent all exceeded the prior-year period, resulting in higher revenue and higher profit. - FY2024-Q2Revenue up, profit flatAnnual report
「As a result, for the cumulative second quarter of the fiscal year, the Group recorded revenue of ¥2,017.1 million (up 23.8% year on year), operating profit of ¥211.275 million (up 1.8%), ordinary profit of ¥207.235 million (up 0.0%), and net profit attributable to owners of the parent of ¥131.116 million (down 1.1%).」
Although consolidated revenue increased 23.8% year on year, operating profit rose 1.8%, ordinary profit rose 0.0%, and net profit attributable to owners of the parent fell 1.1%, leaving profit broadly flat or lower despite the increase in revenue. - FY2024-Q1WorsenedAnnual report
「As a result, the group's performance for the three months ended in the first quarter was as follows: revenue was ¥1,036.959 million, up 18.6% year on year; operating profit was ¥106.556 million, down 33.9%; ordinary profit was ¥109.012 million, down 32.5%; and profit attributable to owners of the parent was ¥50.419 million, down 51.9%.」
Revenue rose 18.6% year on year, while operating profit fell 33.9%, ordinary profit fell 32.5% and profit attributable to owners of the parent fell 51.9%. - FY2023-Q3WorsenedAnnual report
「As a result, the group's performance for the nine months ended in the third quarter was as follows: revenue was ¥2,614.048 million, down 3.4% year on year; operating profit was ¥289.324 million, down 49.0%; ordinary profit was ¥290.115 million, down 49.3%; and profit attributable to owners of the parent was ¥172.003 million, down 54.8%.」
Revenue fell 3.4% year on year, while operating profit fell 49.0%, ordinary profit fell 49.3% and profit attributable to owners of the parent fell 54.8%, indicating a decline in company-wide performance. - FY2023-Q2Increase in Sales and Decline in ProfitsAnnual report
「As a result, the group's performance for the six months ended in the second quarter was as follows: revenue was ¥1,629.224 million, up 8.9% year on year; operating profit was ¥207.633 million, down 9.1%; ordinary profit was ¥207.224 million, down 11.0%; and profit attributable to owners of the parent was ¥132.552 million, down 13.2%. Although revenue increased year on year, higher personnel and system-related costs and other expenses resulting from upfront investments for future growth caused operating profit, ordinary profit and profit attributable to owners of the parent to decline year on year.」
Revenue rose 8.9% year on year, while higher personnel, system-related and other costs resulting from upfront investments led to declines in operating profit, ordinary profit and profit attributable to owners of the parent. - FY2023-Q1AdvancedAnnual report
「As a result, the group's performance for the three months ended in the first quarter was as follows: revenue was ¥873.994 million, up 11.2% year on year; operating profit was ¥161.286 million, up 14.2%; ordinary profit was ¥161.556 million, up 11.9%; and profit attributable to owners of the parent was ¥104.769 million, up 10.9%.」
Revenue, operating profit, ordinary profit and profit attributable to owners of the parent all exceeded the previous-year period, supported by firm usage and orders for mortgage execution-related services and steady performance in outsourced services. - FY2022-Q2WorsenedAnnual report
「On the other hand, orders from online banks remained firm, but overall order volumes from financial institutions struggled to grow.」
Orders from online banks remained firm, while overall order volumes from financial institutions struggled to grow. Company-wide revenue fell 5.3%, operating profit fell 20.4%, ordinary profit fell 30.8% and profit attributable to owners of the parent fell 31.2%. - FY2022-Q1WorsenedAnnual report
「Orders from online banks remained firm, but overall order volumes from financial institutions struggled to grow.」
Orders from online banks remained firm, while overall order volumes from financial institutions struggled to grow. Company-wide revenue fell 9.5% year on year and operating profit fell 20.4%. - FY2021AdvancedAnnual report
「Under these conditions, usage of the company's mortgage execution services by financial institutions remained firm, while orders for services provided to real estate companies increased as non-face-to-face operations became a competitive strength amid the COVID-19 pandemic.」
Usage of mortgage execution-related services remained firm, and orders from real estate companies increased against a backdrop of non-face-to-face operations. For the full fiscal year, revenue was ¥3,072.866 million and operating profit was ¥492.432 million. - FY2021-Q3AdvancedAnnual report
「Under these economic conditions, usage of the company's services related to mortgage execution remained firm, while non-face-to-face services became a competitive strength in the real estate distribution market amid the COVID-19 pandemic, increasing inquiries for services provided by the group. As a result, the group's performance for the nine months ended in the third quarter was as follows: revenue was ¥2,327.529 million, down 1.0% year on year; operating profit was ¥410.195 million, up 34.8%; ordinary profit was ¥462.847 million, up 47.8%, due in part to ¥49.807 million in gains on investment business partnerships recorded in non-operating income; and profit attributable to owners of the parent was ¥302.633 million, up 43.9%.」
Usage of services related to mortgage execution remained firm, and inquiries for non-face-to-face services increased. Revenue declined slightly, but operating profit, ordinary profit and net profit increased year on year. - FY2021-Q2AdvancedAnnual report
「As a result, the group's performance for the six months ended in the second quarter was as follows: revenue was ¥1,579.656 million, down 0.1% year on year; operating profit was ¥286.911 million, up 46.4%; ordinary profit was ¥336.694 million, up 74.4%, due in part to ¥49.807 million in gains on investment business partnerships recorded in non-operating income; and profit attributable to owners of the parent was ¥221.785 million, up 71.3%.」
Revenue fell 0.1% year on year, while operating profit, ordinary profit and profit attributable to owners of the parent all exceeded the previous-year period. - FY2021-Q1AdvancedAnnual report
「As a result, the group's performance for the three months ended in the first quarter was as follows: revenue was ¥868.325 million, up 5.6% year on year; operating profit was ¥177.492 million, up 65.3%; ordinary profit was ¥178.888 million, up 65.6%; and profit attributable to owners of the parent was ¥114.687 million, up 54.9%.」
Against a backdrop of increased transactions related to mortgage administrative procedures and higher usage of the registration operations service, revenue, operating profit, ordinary profit and profit attributable to owners of the parent all exceeded the previous-year period. - FY2020AdvancedAnnual report
「During the consolidated fiscal year, the number of system uses for the registration operations service provided by specialists increased alongside growth in transactions related to mortgage administrative procedures.」
For mortgage-related operations, which had previously remained weak, transactions related to mortgage administrative procedures and system usage for the registration operations service both increased. - FY2020-Q3WorsenedAnnual report
「As a result, the group's performance for the nine months ended in the third quarter showed slight year-on-year increases in revenue, at ¥2,350.354 million, up 2.3%; operating profit, at ¥304.316 million, up 2.1%; and ordinary profit, at ¥313.161 million, up 1.7%. However, because there was no contribution from extraordinary gains, including the gain on negative goodwill recognized in the previous-year period, profit attributable to owners of the parent was ¥210.264 million, down 10.7% year on year.」
Company-wide revenue, operating profit and ordinary profit increased slightly, while the absence of extraordinary gains resulted in a 10.7% decline in profit attributable to owners of the parent. The company also explained that outsourced work from financial institutions and others declined, indicating that the environment for mortgage-related outsourcing remained weak. - FY2020-Q2WorsenedAnnual report
「As a result, the group's performance for the six months ended in the second quarter was as follows: revenue was ¥1,581.488 million, up 1.6% year on year; operating profit was ¥195.997 million, down 8.3%; ordinary profit was ¥193.031 million, down 12.6%; and profit attributable to owners of the parent was ¥129.440 million, down 24.0%. Although revenue increased slightly year on year, higher personnel and system-related costs caused operating profit, ordinary profit and profit attributable to owners of the parent to decline year on year.」
Revenue rose 1.6% year on year, while higher personnel and system-related costs led to declines of 8.3% in operating profit, 12.6% in ordinary profit and 24.0% in profit attributable to owners of the parent. - FY2020-Q1WorsenedAnnual report
「During the three months ended in the first quarter, the company actively marketed non-face-to-face loan support services, mainly to financial institutions, and expected an increase in orders from new clients. However, some existing business partners showed signs of a slowdown in new lending, resulting in lower revenue and operating profit in the escrow services business.」
Although orders from new clients were expected to increase, new lending by existing business partners slowed, resulting in lower revenue and operating profit in the escrow services business. - FY2019WorsenedAnnual report
「As a result, the group's performance for the fiscal year was as follows: revenue was ¥3,107.395 million, up 5.1% year on year; operating profit was ¥385.550 million, down 45.6%; ordinary profit was ¥396.201 million, down 45.4%; and profit attributable to owners of the parent was ¥291.408 million, down 39.1%.」
Revenue rose 5.1% due to an increase in consolidated subsidiaries, while operating profit fell 45.6%, ordinary profit fell 45.4% and profit attributable to owners of the parent fell 39.1%. - FY2019-Q3WorsenedAnnual report
「The group's performance for the nine months ended in the third quarter was as follows: revenue was ¥2,297.854 million, up 0.7% year on year; operating profit was ¥297.929 million, down 51.5%; ordinary profit was ¥307.934 million, down 51.2%; and profit attributable to owners of the parent was ¥235.490 million, down 50.2%. Revenue increased slightly year on year due to an increase in consolidated subsidiaries and the resulting growth of the BPO business, but operating profit, ordinary profit and profit attributable to owners of the parent declined year on year because the sales mix by segment changed and the company made upfront investments in systems for hiring personnel and strengthening its administrative structure.」
Revenue rose 0.7% year on year due to an increase in consolidated subsidiaries, while operating profit fell 51.5%, ordinary profit fell 51.2% and profit attributable to owners of the parent fell 50.2%. - FY2019-Q2WorsenedAnnual report
「The group's performance for the six months ended in the second quarter was as follows: revenue was ¥1,555.862 million, down 4.6% year on year; operating profit was ¥213.668 million, down 57.9%; ordinary profit was ¥220.860 million, down 58.0%; and profit attributable to owners of the parent was ¥170.218 million, down 53.7%.」
The decline in outsourced processing volumes caused by easing mortgage refinancing demand continued, and revenue, operating profit, ordinary profit and profit attributable to owners of the parent all fell below the previous-year period. - FY2019-Q1WorsenedAnnual report
「During the three months ended in the first quarter, the number of outsourced mortgage lending-related processes for partner financial institutions declined as demand for refinancing reached a turning point.」
The easing of mortgage refinancing demand progressed beyond its initial stabilization, and the number of mortgage lending-related processes outsourced by financial institutions declined. Company-wide revenue fell 25.2% year on year, and ordinary profit fell 72.5%. - FY2018-Q3WorsenedAnnual report
「During the nine months ended in the third quarter, the number of outsourced mortgage lending-related processes for partner financial institutions remained broadly flat. However, the low-interest-rate environment is expected to continue, and the company continued developing new business partners while establishing an operations center in Yokohama as an upfront investment to improve administrative efficiency through centralization and meet diverse needs. It prepared the operating structure to handle increased orders. As a result, segment revenue was ¥1,071.590 million, down 6.4% year on year, and segment profit was ¥246.286 million, down 32.0%.」
The number of outsourced mortgage lending-related processes remained flat, while BPO revenue fell 6.4% year on year and segment profit fell 32.0%. - FY2018-Q2WorsenedAnnual report
「Although the low-interest-rate environment continued, demand for mortgage refinancing, which had been highly active, began to ease, leaving the number of outsourced mortgage lending-related processes for partner financial institutions broadly flat. As a result, segment revenue was ¥719.375 million, down 4.5% year on year, and segment profit was ¥189.076 million, down 22.6%.」
Mortgage refinancing demand eased and outsourced volumes remained flat. Revenue and segment profit in the BPO business also fell below the previous-year period. - FY2018-Q1AdvancedAnnual report
「As a result, revenue for the three months ended in the first quarter was ¥1,006.592 million, up 55.8% year on year; operating profit was ¥365.877 million, up 97.6%; ordinary profit was ¥384.295 million, up 107.5%; and profit attributable to owners of the parent was ¥276.223 million, up 129.3%.」
Quarterly revenue, operating profit, ordinary profit and profit attributable to owners of the parent all increased year on year. Demand for mortgage refinancing was beginning to ease, but loan applications and ASP usage remained strong against a backdrop of low interest rates. - FY2017AdvancedAnnual report
「As a result, consolidated revenue for the fiscal year was ¥2,680.585 million, up 58.8% from the previous fiscal year; operating profit was ¥689.441 million, up 71.2%; ordinary profit was ¥694.202 million, up 72.2%; and profit attributable to owners of the parent was ¥451.620 million, up 85.0%.」
Revenue, operating profit, ordinary profit and profit attributable to owners of the parent all showed substantial year-on-year increases for the full fiscal year. - FY2017-Q3AdvancedAnnual report
「During the nine months ended in the third quarter, the number of loan applications continued to increase, mainly for mortgage refinancing, resulting in more frequent use of ASP services by the company's registered judicial scriveners. Segment revenue was ¥894.243 million, up 78.9% year on year, and segment profit was ¥662.379 million, up 68.0%.」
The increase in loan applications, mainly for mortgage refinancing, continued, driving higher ASP usage and substantial year-on-year increases in revenue and profit in the escrow services business. The BPO business also reported revenue of ¥1,145.014 million, up 55.1%, and segment profit of ¥362.302 million, up 41.0%. - FY2017-Q2AdvancedAnnual report
「Following the first quarter, the number of outsourced desk-based processes for secured loans continued to increase, resulting in strong performance in the escrow services and BPO businesses. Revenue for the six months ended in the second quarter was ¥1,311.527 million, up 54.6% year on year; operating profit was ¥344.860 million, up 31.0%; and ordinary profit was ¥344.495 million, up 31.0%. Although costs related to the relocation of headquarters were recorded as an extraordinary loss, profit attributable to owners of the parent was ¥211.881 million, up 24.8%.」
The number of outsourced desk-based processes for secured loans increased for a second consecutive quarter, and both businesses performed well, with revenue and each profit measure rising year on year. - FY2017-Q1First statedAnnual report
「As applications for loan refinancing among existing clients increased sharply, the number of engagements received in the escrow services and BPO businesses remained strong. As a result, for the first three months of the current fiscal year, revenue was ¥646.023 million, up 49.8% year on year, operating profit was ¥185.140 million, up 28.7%, ordinary profit was ¥185.226 million, up 28.9%, and profit attributable to owners of the parent was ¥120.453 million, up 35.3%.」
The Group attributed year-on-year increases in revenue and each profit measure to higher refinancing applications, which led to more outsourced work in both businesses.