Komori
Results presentation7157LIFENET INSURANCE COMPANYFinancials (excluding banks)

FY2026 Q2 Earnings Supplementary Materials (FY2026 Q2 First-Half Report)

In the first half of FY2026, standalone ordinary profit of ¥2,400 million in the same period of the previous year turned into an ordinary loss of ¥50 million, while interim net profit of ¥1,717 million turned into a net loss of ¥99 million. In-force contract volume increased from the end of the previous fiscal year, but new business volume was below the same period of the previous year.

Worth reading
37Immaterial
0–100. This measures how worthwhile something is to read, not how good or bad the company is.
Direction
Deterioration
Direction inferred from the company’s description.
Scale
2450
¥ million
Wording
Definitive
How definitive the wording is.

Contents of this document

Supplementary materials to the earnings summaryFiscal 2026 second quarter (first half)5 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Ordinary income
Value
Non-consolidated-50
Prior-year same period, standalone2,400
Consolidated IFRS interim profit before tax5,289
Prior-year same period, consolidated IFRS6,301
Net income
Value
Non-consolidated-99
Prior-year same period, standalone1,717
Consolidated IFRS3,760
Prior-year same period, consolidated IFRS4,478
What the company explained in this material
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
  • Valuation loss on securities (equities, etc.)¥997 million
  • Investment Expenses¥1,001 million
  • Asset management expenses in the same period of the previous year¥12 million
New initiatives
Execution of a share transfer agreement for the acquisition of all shares in 株式会社きずな少額短期保険 and its conversion into a wholly owned subsidiary. It is scheduled to become a consolidated subsidiary from Q1 of FY2027.
Key KPIsA metric the company considers important as a management benchmark.
  • Number of in-force policies (individual insurance)709,286 Deals
  • Amount of policies in force (individual insurance)¥4,264,593 million
  • Annualized premiums: total policies in force¥29,353 million
    Year on year against the same period last year102.9% of the previous fiscal year-end
  • Number of new policies (individual insurance)41,879 Deals
    Year on year against the same period last year103.6%
  • Annualized premiums from new business, individual insurance¥1,595 million
    Year on year against the same period last year100.2%
  • Solvency margin ratio334 %
Segment results
As the company operates in a single segment, disclosures of revenue, profit and loss, and other information by business area have been omitted.
Acquisition of treasury shares
The interim period includes a disclosure of treasury share acquisitions of △¥0 million. The acquisition limit and period are Not disclosed.
Contents of this document
ItemDetails
Document typeSupplementary materials to the earnings summary
Fiscal Period CoveredFiscal 2026 second quarter (first half)
Ordinary incomevalue Non-consolidated -50 / Prior-year same period, standalone 2,400 / Consolidated IFRS interim profit before tax 5,289 / Prior-year same period, consolidated IFRS 6,301 / yoy_pct Not disclosed
Net incomevalue Non-consolidated -99 / Prior-year same period, standalone 1,717 / Consolidated IFRS 3,760 / Prior-year same period, consolidated IFRS 4,478 / yoy_pct Not disclosed
Segment resultsAs the company operates in a single segment, disclosures of revenue, profit and loss, and other information by business area have been omitted.
Breakdown of Factors Affecting the ChangeFactors Valuation loss on securities (equities, etc.) / Amount ¥997 million, Factors Investment Expenses / Amount ¥1,001 million, Factors Asset management expenses in the same period of the previous year / Amount ¥12 million
Key KPIsIndicator name Number of in-force policies (individual insurance) / Value 709,286 Deals / Year on year against the same period last year Not disclosed, Indicator name Amount of policies in force (individual insurance) / Value ¥4,264,593 million / Year on year against the same period last year Not disclosed, Indicator name Annualized premiums: total policies in force / Value ¥29,353 million / Year on year against the same period last year 102.9% of the previous fiscal year-end, Indicator name Number of new policies (individual insurance) / Value 41,879 Deals / Year on year against the same period last year 103.6%, Indicator name Annualized premiums from new business, individual insurance / Value ¥1,595 million / Year on year against the same period last year 100.2%, Indicator name Solvency margin ratio / Value 334 % / Year on year against the same period last year Not disclosed
Acquisition of treasury sharesThe interim period includes a disclosure of treasury share acquisitions of △¥0 million. The acquisition limit and period are Not disclosed.
New initiativesExecution of a share transfer agreement for the acquisition of all shares in 株式会社きずな少額短期保険 and its conversion into a wholly owned subsidiary. It is scheduled to become a consolidated subsidiary from Q1 of FY2027.
Items this document does not state (22)
Net SalesOperating profitGross Profit MarginOperating profit marginSelling, general and administrative expensesResults for the three months of the current quarterFull-year earnings forecastProgress against full-year forecastSelf-assessment against the planUnit price and quantity metricsNumber of stores and locationsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookMedium-term management plan targetsFinancial targetsAnnual DividendPayout ratioCapital 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.

The company reported a ¥997 million valuation loss on securities, including equities, and asset management expenses increased from ¥12 million in the same period of the previous year to ¥1,001 million. Insurance claims and other payments, as well as business expenses, also increased.

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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FY2026 Q2 Earnings Supplementary Materials (FY2026 Q2 First-Half Report) | LIFENET INSURANCE COMPANY (7157) timely disclosure | Komori