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Presentation materials for financial results7191Entrust Inc.Financials (excluding banks)

Earnings Presentation Materials for the First Quarter of the Fiscal Year Ending March 2027

In Q1 FY2027, revenue and operating profit increased, driven by growth in the guarantee business and contributions from the IT services business of キャロルシステム. Revenue rose 19.9% year on year and operating profit increased 17.1%, reaching 24.3% and 25.8%, respectively, of the full-year forecasts.

Worth reading
65In focus
0–100. This measures how worthwhile something is to read, not how good or bad the company is.
Direction
Improvement
Direction inferred from the company’s description.
Scale
573
¥ million (year-on-year increase in revenue)
Wording
Conditional
How definitive the wording is.

Contents of this document

Presentation materials for financial resultsFirst quarter of the fiscal year ending March 202712 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales¥3,455 million+119.9%
Operating profit¥772 million+117.1%
Ordinary income¥772 million+116.6%
Net income¥457 million+118.2%
Operating profit margin22.4%, down 0.5 percentage points from 22.9% in the same period of the previous year
Results for the three months of the current quarter
Net Sales
¥3,455 million
Operating profit
¥772 million
Ordinary income
¥772 million
Net income
¥457 million
Full-year earnings forecast
Net Sales
¥14,200 million
Operating profit
¥3,000 million
Ordinary income
¥3,020 million
Net income
¥1,840 million
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。
Net Sales
First half50.5%
Full year24.3%
Operating profit
First half54.8%
Full year25.8%
Ordinary income
First half54.4%
Full year25.6%
Net income
First half51.4%
Full year24.9%
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
Progress is being made toward achieving the targets of ¥14.2 billion in revenue and ¥3.0 billion in operating profit. The contract business and SES operations of キャロルシステム are running above plan.
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
Operating profit
Operating profit in the previous fiscal year660
Guarantee business revenue326
Solution revenue-19
IT services revenue266
Outsourcing fees104
Insurance premiums (guarantee-related)18
Bad debt expenses and guarantee fulfillment-28
Payment processing fees13
Personnel Expenses188
Taxes and dues14
Other148
Operating profit for the current period772
New initiatives
  • Expanding sales of residential and commercial rent debt guarantee products
  • Strengthening sales activities to win new contracts for medical, nursing care and childcare cost guarantees
  • Expanding sales of nursing care products with accident insurance and strengthening the sales structure
  • Strengthening core systems, employee education and training, and staffing
Key KPIsA metric the company considers important as a management benchmark.
  • Number of rent guarantee contracts held490,191 Number of contracts
    Year on year against the same period last year-23,246 contracts
  • Number of rent guarantees held405,260 Engagements
    Year on year against the same period last year+31,838 cases
  • Number of medical institutions using スマホス286 Medical institutions
    Year on year against the same period last year+64 hospitals
  • Number of beds covered by スマホス67,536 beds
    Year on year against the same period last year+16,700 beds
  • Number of operators adopting nursing care cost guarantees with accident insurance151 Operator
    Year on year against the same period last year+66 operators
  • Number of contracts for nursing care cost guarantees with accident insurance8,414 Engagements
    Year on year against the same period last year+6,357 contracts
  • Number of operators using other nursing care cost guarantees198 Operator
    Year on year against the same period last year+6 operators
  • Number of contracts for other nursing care cost guarantees6,920 Engagements
    Year on year against the same period last year+2,967 contracts
Segment results
Guarantee business
Net Sales
¥2,985 million
Year on year against the same period last year112.3% (+¥326 million)
Solutions Business
Net Sales
¥203 million
Year on year against the same period last year91.1% (-¥19 million)
IT Services Business
Net Sales
¥266 million
Medium-term management plan targets
Third Medium-Term Management Plan (fiscal years ending March 2025 through March 2027)
Net Sales
Target value¥15,000 million
Target fiscal yearFiscal year ending March 2027
Operating profit
Target value¥3,000 million
Target fiscal yearFiscal year ending March 2027
Operating profit margin
Target value20.0%
Target fiscal yearFiscal year ending March 2027
Payout ratio
Target value60% in the final fiscal year
Target fiscal yearFiscal year ending March 2027
Financial targets
ROE
Target value20% or higher
Actual value20.16% (FY2024)
Market Size / Share
Average hospital receivablesApproximately ¥4.3 million
Number of hospitals nationwideApproximately 8,000 facilities
Total number of medical facilitiesApproximately 180,000 facilities
Average facility usage feeApproximately ¥170,000 per month
Number of housing units for seniorsApproximately 1 million units
Number of stores and locations
Number of locations at period endAkita, Sendai, Toyama, Nagoya, Osaka, Fukuoka, Tokyo Head Office ANNEX, Osaka Kawaramachi ANNEX, Hamamatsu Solution Center
Number of employees
Number of Employees452 on a consolidated basis and 350 on a non-consolidated basis (as of the end of June 2026, including part-time and temporary employees)
Changes during the period and hiring planPlans to reinforce staffing
Annual Dividend
Annual dividend per share¥49.5 per share (forecast)
Payout ratio
60.2% (forecast)
Contents of this document
ItemDetails
Document typePresentation materials for financial results
Fiscal Period CoveredFirst quarter of the fiscal year ending March 2027
Net Sales¥3,455 million (YoY +119.9%)
Operating profit¥772 million (YoY +117.1%)
Ordinary income¥772 million (YoY +116.6%)
Net income¥457 million (YoY +118.2%)
Operating profit margin22.4%, down 0.5 percentage points from 22.9% in the same period of the previous year
Results for the three months of the current quarterNet Sales ¥3,455 million / Operating profit ¥772 million / Ordinary income ¥772 million / Net income ¥457 million
Full-year earnings forecastNet Sales ¥14,200 million / Operating profit ¥3,000 million / Ordinary income ¥3,020 million / Net income ¥1,840 million
Progress against full-year forecastNet Sales First half 50.5% / Full year 24.3% / Operating profit First half 54.8% / Full year 25.8% / Ordinary income First half 54.4% / Full year 25.6% / Net income First half 51.4% / Full year 24.9%
Self-assessment against the planProgress is being made toward achieving the targets of ¥14.2 billion in revenue and ¥3.0 billion in operating profit. The contract business and SES operations of キャロルシステム are running above plan.
Segment resultsGuarantee business Net Sales ¥2,985 million / Year on year against the same period last year 112.3% (+¥326 million) / Solutions Business Net Sales ¥203 million / Year on year against the same period last year 91.1% (-¥19 million) / IT Services Business Net Sales ¥266 million / Year on year against the same period last year Not disclosed
Breakdown of Factors Affecting the ChangeOperating profit Operating profit in the previous fiscal year 660 / Guarantee business revenue 326 / Solution revenue -19 / IT services revenue 266 / Outsourcing fees 104 / Insurance premiums (guarantee-related) 18 / Bad debt expenses and guarantee fulfillment -28 / Payment processing fees 13 / Personnel Expenses 188 / Taxes and dues 14 / Other 148 / Operating profit for the current period 772
Key KPIsIndicator name Number of rent guarantee contracts held / Value 490,191 Number of contracts / Year on year against the same period last year -23,246 contracts, Indicator name Number of rent guarantees held / Value 405,260 Engagements / Year on year against the same period last year +31,838 cases, Indicator name Number of medical institutions using スマホス / Value 286 Medical institutions / Year on year against the same period last year +64 hospitals, Indicator name Number of beds covered by スマホス / Value 67,536 beds / Year on year against the same period last year +16,700 beds, Indicator name Number of operators adopting nursing care cost guarantees with accident insurance / Value 151 Operator / Year on year against the same period last year +66 operators, Indicator name Number of contracts for nursing care cost guarantees with accident insurance / Value 8,414 Engagements / Year on year against the same period last year +6,357 contracts, Indicator name Number of operators using other nursing care cost guarantees / Value 198 Operator / Year on year against the same period last year +6 operators, Indicator name Number of contracts for other nursing care cost guarantees / Value 6,920 Engagements / Year on year against the same period last year +2,967 contracts
Number of stores and locationsNumber of locations at period end Akita, Sendai, Toyama, Nagoya, Osaka, Fukuoka, Tokyo Head Office ANNEX, Osaka Kawaramachi ANNEX, Hamamatsu Solution Center / Number of store openings and closures during the period Not disclosed
Number of employeesNumber of Employees 452 on a consolidated basis and 350 on a non-consolidated basis (as of the end of June 2026, including part-time and temporary employees) / Changes during the period and hiring plan Plans to reinforce staffing
Medium-term management plan targetsSubject Third Medium-Term Management Plan (fiscal years ending March 2025 through March 2027) / Net Sales Target value ¥15,000 million / Target fiscal year Fiscal year ending March 2027 / Operating profit Target value ¥3,000 million / Target fiscal year Fiscal year ending March 2027 / Operating profit margin Target value 20.0% / Target fiscal year Fiscal year ending March 2027 / Payout ratio Target value 60% in the final fiscal year / Target fiscal year Fiscal year ending March 2027
Financial targetsROE Target value 20% or higher / Actual value 20.16% (FY2024)
Annual DividendAnnual dividend per share ¥49.5 per share (forecast) / Interim and Year-End Breakdown Not disclosed
Payout ratio60.2% (forecast)
Market Size / ShareAverage hospital receivables Approximately ¥4.3 million / Number of hospitals nationwide Approximately 8,000 facilities / Total number of medical facilities Approximately 180,000 facilities / Average facility usage fee Approximately ¥170,000 per month / Number of housing units for seniors Approximately 1 million units
New initiativesExpanding sales of residential and commercial rent debt guarantee products, Strengthening sales activities to win new contracts for medical, nursing care and childcare cost guarantees, Expanding sales of nursing care products with accident insurance and strengthening the sales structure, Strengthening core systems, employee education and training, and staffing
Items this document does not state (9)
Gross Profit MarginSelling, general and administrative expensesUnit price and quantity metricsAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookAcquisition of treasury sharesCapital expendituresOrders received and order backlogKey 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.

In rent debt guarantees, renewal guarantee fees increased, while in medical and nursing care cost guarantees, the number of new implementations and contracts rose. In addition, the contract business and SES operations of subsidiary キャロルシステム exceeded plan. The company attributed the increase in operating profit to containing credit costs through effective collection activities and optimization of underwriting standards, as well as increased profit contributed by プレミアライフ.

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Earnings Presentation Materials for the First Quarter of the Fiscal Year Ending March 2027 | Entrust Inc. (7191) timely disclosure | Komori