Worth reading
53Recurring
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
-1011
¥ millionWording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026–30 September 2026ConsolidatedIFRSNet Sales18,295¥ millionYear on year +9.1%Progress 48.8%
Operating profit5,289¥ millionYear on year -16.1%
Ordinary income5,289¥ millionYear on year -16.1%
Net income attributable to owners of the parent3,760¥ millionYear on year -16.0%Progress 45.9%
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¥46.80
Financial position at period-end
Total assets118,349¥ million
of which net assets 93,969 ¥ millionEquity ratio 79.4%vs. prior year-end +0.9pt
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+3,170
Investment-2,546
Financials-141
Net change+483
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ million).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 period¥14,075 million
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥37,500 million (YoY +9.0%)
Operating profitNot disclosed
Ordinary incomeNot disclosed
Net income¥8,200 million (YoY +2.0%)
Insurance service results¥11,200 million (YoY -3.5%)
Annual Dividend Forecast¥0 → ¥0（0.0%）
Factors Behind Changes in Business Performance
Insurance revenue increased, but insurance service results declined, mainly due to increased payments of group credit life insurance benefits and other expenses. Financial results increased, mainly due to higher interest income from corporate bonds as the Company increased its holdings.
Disclosure regarding the going concern assumption
There are no applicable matters.
Change in accounting policy
基準改正に伴う変更 Noそれ以外の変更 No見積りの変更 No修正再表示 Not disclosed
Changes in the scope of consolidationNew 0 / Excluded 1 / Excluded Company Name ライフネットみらい株式会社
Material subsequent eventsThe Company resolved to enter into a share transfer agreement, subject to approval by the relevant authorities and other conditions, to acquire all shares of 株式会社きずな少額短期保険 and make it a wholly owned subsidiary. The company is expected to become a consolidated subsidiary from the first quarter of fiscal 2027 (the fiscal year ending March 2028), and the financial impact on the current fiscal year is immaterial.
Impairment loss¥2 million
Depreciation and amortization¥526 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person Institutional investors and analysts
Issued Shares at Period-End80,370,961 shares
Treasury Shares at Period-End447 shares
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | IFRS |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026–30 September 2026 |
| Net Sales | ¥18,295 million (YoY +9.1%) |
| Operating profit | ¥5,289 million (YoY -16.1%) |
| Ordinary income | ¥5,289 million (YoY -16.1%) |
| Profit attributable to owners of the parent | ¥3,760 million (YoY -16.0%) |
| Net income per share | ¥46.80 |
| Equity ratio | End of the current fiscal period 79.4 / End of previous period 78.5 |
| Total assets | ¥118,349 million |
| Net assets | ¥93,969 million |
| Cash flows from operating activities | ¥3,170 million |
| Cash flows from investing activities | ¥-2,546 million |
| Cash flows from financing activities | ¥-141 million |
| Cash and cash equivalents at end of period | ¥14,075 million |
| Full-year earnings forecast | Net Sales ¥37,500 million (YoY +9.0%) / Operating profit Not disclosed / Ordinary income Not disclosed / Net income ¥8,200 million (YoY +2.0%) / Insurance service results ¥11,200 million (YoY -3.5%) |
| Annual Dividend Forecast | ¥0 → ¥0（0.0%） |
| Depreciation and amortization | ¥526 million |
| Impairment loss | ¥2 million |
| Disclosure regarding the going concern assumption | There are no applicable matters. |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement Not disclosed |
| Changes in the scope of consolidation | New 0 / Excluded 1 / Excluded Company Name ライフネットみらい株式会社 |
| Material subsequent events | The Company resolved to enter into a share transfer agreement, subject to approval by the relevant authorities and other conditions, to acquire all shares of 株式会社きずな少額短期保険 and make it a wholly owned subsidiary. The company is expected to become a consolidated subsidiary from the first quarter of fiscal 2027 (the fiscal year ending March 2028), and the financial impact on the current fiscal year is immaterial. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Institutional investors and analysts |
| Issued Shares at Period-End | 80,370,961 shares |
| Treasury Shares at Period-End | 447 shares |
| Factors Behind Changes in Business Performance | Insurance revenue increased, but insurance service results declined, mainly due to increased payments of group credit life insurance benefits and other expenses. Financial results increased, mainly due to higher interest income from corporate bonds as the Company increased its holdings. |
Items this document does not state (9)
Operating MarginRevision to Earnings ForecastPayout ratioShareholder Return PolicySegment revenueSegment profitRegional salesOrders received and order backlogBreakdown of extraordinary income (loss)
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.Profit related to group credit life insurance declined due to increased payments of insurance benefits and other expenses. Meanwhile, interest income from corporate bonds increased as the Company increased its holdings.
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.