Dependence on Life Card and Financing and Interest Rate Rise Risks
First written in FY2016. 6 of 14 entries say "Mitigated", first in FY2019. Latest entry: 2026-08-12.
No other company in this theme has enough history to compare yet.
- 2026-08-12WorsenedEarnings
「Interest expense 11,464 16,588」
Interest expense increased from ¥11.464 million in the same period of the previous year to ¥16.588 million, indicating that the interest burden continued to rise in the quarterly results. - FY2026WorsenedAnnual report
「Non-operating expenses totaled ¥50.584 million, up 56.7% year on year, mainly because interest expense increased by ¥18.994 million, or 60.3%.」
Interest expense related to financing and interest costs increased 60.3% year on year, with the higher interest burden appearing in the full-year results. - FY2026-H1WorsenedAnnual report
「Non-operating expenses totaled ¥23.651 million, up 65.0% year on year, mainly because interest expense increased by ¥9.568 million, or 68.4%.」
Interest expense related to financing and interest costs increased 68.4% year on year, with the higher interest burden appearing in the results. - FY2025MitigatedAnnual report
「「ライフあんしんプラス」, the company's Life Anshin Plus rent guarantee product, accounts for approximately 40% of operating revenue among the products handled by the company and is its main product.」
Revenue dependence on ライフあんしんプラス has declined from approximately 50% to approximately 40%. Financing risk in the event of termination of the partnership with ライフカード continues to be disclosed. - FY2024MitigatedAnnual report
「「ライフあんしんプラス」, the company's Life Anshin Plus rent guarantee product, accounts for approximately 50% of operating revenue among the products handled by the company and is its main product.」
Revenue dependence on ライフあんしんプラス continues, but its share of operating revenue has declined from slightly more than 50% to approximately 50%. Financing risk in the event of termination of the partnership with ライフカード continues to be disclosed. - FY2023MitigatedAnnual report
「「ライフあんしんプラス」, the company's Life Anshin Plus rent guarantee product, accounts for slightly more than 50% of operating revenue among the products handled by the company and is its main product.」
The share of operating revenue from ライフあんしんプラス declined from slightly less than 60% to slightly more than 50%. The financing and interest cost risk in the event of termination of the partnership with ライフカード continues to be disclosed. - FY2022MitigatedAnnual report
「「ライフあんしんプラス」, the company's Life Anshin Plus rent guarantee product, accounts for slightly less than 60% of operating revenue among the products handled by the company and is its main product.」
Dependence on ライフあんしんプラス declined from slightly more than 60% to slightly less than 60%, continuing to indicate a lower level of dependence. - FY2020MitigatedAnnual report
「「ライフあんしんプラス」, the company's Life Anshin Plus rent guarantee product, accounts for slightly more than 60% of operating revenue among the products handled by the company and is its main product.」
Dependence on ライフあんしんプラス continues, but its share of operating revenue has declined from approximately 70% in the previous fiscal year to slightly more than 60%. Financing risk in the event of termination of the partnership continues to be disclosed. - FY2019MitigatedAnnual report
「「ライフあんしんプラス」, the company's Life Anshin Plus rent guarantee product, accounts for approximately 70% of operating revenue and is its main product.」
Dependence on the main product continues, but its share of operating revenue has declined from more than 90% to approximately 70%. The financing and interest cost risk in the event of termination of the partnership also continues to be disclosed. - FY2017RestatedAnnual report
「「ライフあんしんプラス」, the company's Life Anshin Plus rent guarantee product, accounts for more than 90% of operating revenue and is its main product.」
The company has reaffirmed its financing risk arising from dependence on its main product and funding from ライフカード. - FY2016First statedAnnual report
「「ライフあんしんプラス」, the company's Life Anshin Plus rent guarantee product, accounts for more than 90% of operating revenue and is its main product. If the business partnership with ライフカード株式会社 were terminated for any reason, the company would need to finance independently the portion of its own funds previously covered by ライフカード株式会社, or secure another business partner.」
The company depends on ライフカード for its main product and advance-payment funding, and identifies the termination of the partnership and financing and interest costs when expanding the business as risks.