Worth reading
63In focus
Scored from 5 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
—
Displayed only when the document provides numerical figures.Wording
Avoiding a definitive answer
How definitive the wording is.Contents of this document
Financial results presentation2026年1月期（FY2025）8 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales¥12,753 million+5.0%
Operating profit¥-63 million
Ordinary income¥45 million
Net income¥123 million+20.0%
Selling, general and administrative expenses¥6,153 million
Full-year earnings forecast
Target fiscal year2026年1月期（FY2026）
Net Sales
¥13,830 million
初回保証料
¥6,472 million
Recurring Guarantee Fees
¥6,583 million
Cost of sales
¥6,794 million
Selling, general and administrative expenses
¥6,680 million
Operating profit
¥355 million
Ordinary income
¥426 million
Profit attributable to owners of the parent
¥187 million
EBITDA
¥990 million
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
概ね予想通りに着地Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
Net Sales初回保証料131%?ではなく前期比101%、継続保証料前期比107%、既存取引先との取引深耕・継続契約の積み上げ
Cost of sales紹介手数料1,580百万円、貸倒引当金繰入額3,517百万円、訴訟・処分費用1,352百万円
Operating profit主要原価項目・販管費のコントロール強化により予想比235百万円改善
Net income for the current fiscal year子会社株式売却益による特別利益198百万円
New initiatives
- 審査運用の見直しと承認率改善
- 回収体制の標準化・プロセス管理強化
- Casaアカデミーによる専門人材育成
- AIによる入力・集計・照合などの定型業務自動化
- 会議体の見直しと部門横断会議の構築
- 自主管理家主向けOwner WEBの機能拡張
- 入居者対応サービスのWEB化
- 養育費保証における企業・行政連携
Key KPIsA metric the company considers important as a management benchmark.
- New contracts137,272 EngagementsYear on year against the same period last year101%
- Contracts in force683,602 EngagementsYear on year against the same period last year106%
- Number of agency companies15,130 companiesYear on year against the same period last year107%
- 事業用保証額¥1,436 millionYear on year against the same period last year100%
Medium-term management plan targets
Fiscal 2026
Net Sales13,830百万円
Operating profit¥355 million
Operating profit margin2.6%
EBITDA¥990 million
FY2027
Net Sales15,271百万円
Operating profit¥1,165 million
Operating profit margin7.6%
EBITDA1,822百万円
旧計画
FY2026 operating profit¥1,478 million
Operating income for fiscal 20272,005百万円
Market Size / Share
自主管理家主市場規模916万戸、113万人、77万人
Number of stores and locations
Number of locations at period end17 Location
Annual Dividend
安定配当の維持と記載されているが、1株当たり配当額・中間配当・期末配当はNot disclosed| Item | Details |
|---|---|
| Document type | Financial results presentation |
| Fiscal Period Covered | 2026年1月期（FY2025） |
| Net Sales | ¥12,753 million (YoY +5.0%) |
| Operating profit | ¥-63 million |
| Ordinary income | ¥45 million |
| Net income | ¥123 million (YoY +20.0%) |
| Selling, general and administrative expenses | ¥6,153 million |
| Full-year earnings forecast | Target fiscal year 2026年1月期（FY2026） / Net Sales ¥13,830 million / 初回保証料 ¥6,472 million / Recurring Guarantee Fees ¥6,583 million / Cost of sales ¥6,794 million / Selling, general and administrative expenses ¥6,680 million / Operating profit ¥355 million / Ordinary income ¥426 million / Profit attributable to owners of the parent ¥187 million / EBITDA ¥990 million |
| Self-assessment against the plan | 概ね予想通りに着地 |
| Breakdown of Factors Affecting the Change | Net Sales 初回保証料131%?ではなく前期比101%、継続保証料前期比107%、既存取引先との取引深耕・継続契約の積み上げ / Cost of sales 紹介手数料1,580百万円、貸倒引当金繰入額3,517百万円、訴訟・処分費用1,352百万円 / Operating profit 主要原価項目・販管費のコントロール強化により予想比235百万円改善 / Net income for the current fiscal year 子会社株式売却益による特別利益198百万円 |
| Key KPIs | New contracts 137,272 Engagements, Contracts in force 683,602 Engagements, Number of agency companies 15,130 companies, 事業用保証額 ¥1,436 million |
| Number of stores and locations | Number of locations at period end 17 Location / Number of store openings and closures during the period Not disclosed |
| Medium-term management plan targets | Fiscal 2026 Net Sales 13,830百万円 / Operating profit ¥355 million / Operating profit margin 2.6% / EBITDA ¥990 million / FY2027 Net Sales 15,271百万円 / Operating profit ¥1,165 million / Operating profit margin 7.6% / EBITDA 1,822百万円 / 旧計画 FY2026 operating profit ¥1,478 million / Operating income for fiscal 2027 2,005百万円 |
| Annual Dividend | 安定配当の維持と記載されているが、1株当たり配当額・中間配当・期末配当はNot disclosed |
| Market Size / Share | 自主管理家主市場規模 916万戸、113万人、77万人 |
| New initiatives | 審査運用の見直しと承認率改善, 回収体制の標準化・プロセス管理強化, Casaアカデミーによる専門人材育成, AIによる入力・集計・照合などの定型業務自動化, 会議体の見直しと部門横断会議の構築, 自主管理家主向けOwner WEBの機能拡張, 入居者対応サービスのWEB化, 養育費保証における企業・行政連携 |
Items this document does not state (15)
Gross Profit MarginOperating profit marginResults for the three months of the current quarterProgress against full-year forecastSegment resultsUnit price and quantity metricsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookFinancial targetsPayout ratioAcquisition 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.売上高は継続保証料の積み上げや既存取引先との取引深耕が寄与した。利益面では、紹介手数料、貸倒引当金繰入額、訴訟・処分費用の増加が売上原価を押し上げた一方、主要原価項目と販管費のコントロール強化により予想比では改善した。当期純利益は子会社株式売却益による特別利益で押し上げられた。
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.
Weight is not a verdictIt measures how much this changes what the company had already told the market. It is not a view on the shares.
Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.