Results for this period
Interim period (second quarter)1 February 2026 to 31 July 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 thousand yen).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Revenue increased due to the expansion of the agency network and in-force contract base, acquisition of new contracts, an improved approval rate, higher contract unit prices from business-use guarantees and contracts in higher rent bands, and an increase in recurring guarantee fees. Credit costs, including provisions for doubtful accounts and litigation and disposal expenses, were contained through stronger initial collections and other measures, while selling, general and administrative expenses increased as staffing for receivables management was strengthened and contract administration was made more operationally efficient.
No applicable matters
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 February 2026 to 31 July 2026 |
| Net Sales | 6,726 million yen (YoY +6.0%) |
| Operating profit | -99 million yen |
| Ordinary income | -62 million yen |
| Profit attributable to owners of the parent | -79 million yen |
| Net income per share | -¥8.70 |
| Equity ratio | End of the current fiscal period 39.9 / End of previous period 43.5 |
| Total assets | 15,899 million yen |
| Net assets | 6,345 million yen |
| Cash flows from operating activities | 1,455,655 thousand yen |
| Cash flows from investing activities | -144,586 thousand yen |
| Cash flows from financing activities | -745,121 thousand yen |
| Cash and cash equivalents at end of period | 3,385,096 thousand yen |
| Full-year earnings forecast | Net Sales 13,830 million yen (YoY +8.4%) / Operating profit 355 million yen / Ordinary income 426 million yen (YoY +837.9%) / Net income 187 million yen (YoY +51.9%) |
| Annual Dividend Forecast | 15 yen → 20 yen（+33.3%） |
| Depreciation and amortization | 125,384 thousand yen |
| Breakdown of extraordinary income (loss) | Extraordinary income None / Extraordinary loss Loss on Disposal of Fixed Assets 4,512 thousand yen |
| Disclosure regarding the going concern assumption | No applicable matters |
| 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 None |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Institutional investors and analysts |
| Issued Shares at Period-End | 11,522,500 shares issued at period-end |
| Treasury Shares at Period-End | 2,440,352 treasury shares at period-end |
| Factors Behind Changes in Business Performance | Revenue increased due to the expansion of the agency network and in-force contract base, acquisition of new contracts, an improved approval rate, higher contract unit prices from business-use guarantees and contracts in higher rent bands, and an increase in recurring guarantee fees. Credit costs, including provisions for doubtful accounts and litigation and disposal expenses, were contained through stronger initial collections and other measures, while selling, general and administrative expenses increased as staffing for receivables management was strengthened and contract administration was made more operationally efficient. |
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.Revenue was boosted by the expansion of the agency network and in-force contract base, acquisition of new contracts, an improved approval rate, higher contract unit prices from business-use guarantees and contracts in higher rent bands, and an increase in recurring guarantee fees. Credit costs were contained as provisions for doubtful accounts and litigation and disposal expenses declined, mainly due to stronger initial collections. Meanwhile, selling, general and administrative expenses increased as staffing for receivables management was strengthened and contract administration was made more operationally efficient.