Revised forecast
Fiscal year ending January 2027 · Cumulative second-quarter period (interim period)Previous forecast published 12 March 2026The bar length represents the relative magnitude of change, based on the item that changed the most in this document. The percentage change shown by the dotted line is calculated from the two reported figures because the company did not provide the rate.
Net sales exceeded the forecast due to the expansion of the agency base, increased use of existing agencies, and an increase in contracts in higher-rent segments for business guarantees. Credit costs and other expenses were below plan due to an improved collection rate resulting from strengthened initial collections and other measures, a decrease in the provision for allowance for doubtful accounts associated with measures to contain the increase in recourse receivables, and lower litigation and disposal costs.
| Item | Details |
|---|---|
| Net Sales | ¥6,600 million → ¥6,726 million（+1.9%） |
| Operating profit | ¥-224 million → ¥-99 million |
| Ordinary income | ¥-185 million → ¥-62 million |
| Profit attributable to owners of the parent | ¥-180 million → ¥-79 million |
| Net income per share | -19.84 yen → -8.7 yen |
| Fiscal Period Covered | Fiscal year ending January 2027 |
| Period Covered | Cumulative second-quarter period (interim period) |
| Publication date of previous forecast | 12 March 2026 |
| Previous-period results | Net sales ¥6,343 million, operating loss ¥143 million, ordinary loss ¥94 million, interim net income attributable to owners of the parent ¥73 million, interim net income per share ¥7.29 |
| Reason for the revision | Net sales exceeded the forecast due to the expansion of the agency base, increased use of existing agencies, and an increase in contracts in higher-rent segments for business guarantees. Credit costs and other expenses were below plan due to an improved collection rate resulting from strengthened initial collections and other measures, a decrease in the provision for allowance for doubtful accounts associated with measures to contain the increase in recourse receivables, and lower litigation and disposal costs. |
| Consolidated / non-consolidated | Consolidated |
Items this document does not state (2)
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.Net sales exceeded the forecast due to the expansion of the agency base, increased use of existing agencies, and an increase in contracts in higher-rent segments for business guarantees. Credit costs and other expenses were below plan due to an improved collection rate resulting from strengthened initial collections, a decrease in the provision for allowance for doubtful accounts associated with measures to contain the increase in recourse receivables, and lower litigation and disposal costs.