Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPThe 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.
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.
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.
In the guarantee business, initial and renewal guarantee fees grew due to switches from solution services and an increase in new contracts, while new customer development and contracts from existing customers increased in medical expense guarantees and nursing care expense guarantees. IT services resulted from キャロルシステム株式会社 becoming a consolidated subsidiary. Bad debt expenses remained stable, and other expenses were kept at a certain level, contributing to operating income.
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| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 September 2026 |
| Net Sales | ¥7,017 million (YoY +19.7%) |
| Operating profit | ¥1,582 million (YoY +14.0%) |
| Ordinary income | ¥1,596 million (YoY +14.0%) |
| Profit attributable to owners of the parent | ¥975 million (YoY +10.8%) |
| Net income per share | ¥43.59 |
| Equity ratio | End of the current fiscal period 63 / End of previous period 63.1 |
| Total assets | ¥13,576 million |
| Net assets | ¥8,593 million |
| Cash flows from operating activities | ¥1,100 million |
| Cash flows from investing activities | ¥-62 million |
| Cash flows from financing activities | ¥-458 million |
| Cash and cash equivalents at end of period | ¥7,809 million |
| Full-year earnings forecast | Net Sales ¥14,370 million (YoY +17.0%) / Operating profit ¥3,180 million (YoY +14.9%) / Ordinary income ¥3,200 million (YoY +14.4%) / Net income ¥1,960 million (YoY +12.4%) |
| Revision to Earnings Forecast | Net Sales No revision / Operating profit No revision / Ordinary income No revision / Net income No revision |
| Annual Dividend Forecast | ¥38 → ¥53（+39.5%） |
| Depreciation and amortization | 69,345 Thousands of yen |
| Disclosure regarding the going concern assumption | None |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | New 0 companies / Excluded 0 companies / Company name Not disclosed |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (for institutional investors and analysts) |
| Issued Shares at Period-End | 22,373,222 shares |
| Treasury Shares at Period-End | 199 shares |
| Factors Behind Changes in Business Performance | In the guarantee business, initial and renewal guarantee fees grew due to switches from solution services and an increase in new contracts, while new customer development and contracts from existing customers increased in medical expense guarantees and nursing care expense guarantees. IT services resulted from キャロルシステム株式会社 becoming a consolidated subsidiary. Bad debt expenses remained stable, and other expenses were kept at a certain level, contributing to operating income. |
Items this document does not state (10)
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, initial and renewal guarantee fees grew due to switches from solution services and an increase in new contracts. In medical expense guarantees and nursing care expense guarantees, new customer development and contracts from existing customers increased. IT services resulted from キャロルシステム株式会社 becoming a consolidated subsidiary in January 2026. Operating income benefited from higher fees accompanying revenue growth in the guarantee business, while bad debt expenses remained stable and other expenses were kept at a certain level.