Worth reading
34Immaterial
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
13.6
%Wording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPNet Sales78,631¥ millionYear on year +13.6%Progress 52.4%
Ordinary income9,209¥ millionYear on year +26.0%Progress 57.6%
Net income attributable to owners of the parent2,587¥ millionYear on year +14.8%Progress 71.5%
The 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.
Net income per share¥104.26
Financial position at period-end
Total assets239,920¥ million
of which net assets 49,355 ¥ millionEquity ratio 20.5%vs. prior year-end +0.2pt
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.
Cash inflows and outflows
Operating+6,572
Investment-9,117
Financials-1,153
Net change-3,698
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.
Cash and cash equivalents at end of period¥29,355 million
Segment revenueNon-life insurance business ¥27,484 million (YoY +21.6%), Life insurance business ¥32,465 million (YoY +12.3%), Small-Amount and Short-Term Insurance Business ¥18,774 million (YoY +5.6%)
Segment profitNon-life insurance business ¥1,748 million (YoY +9.9%), Life insurance business ¥904 million (YoY +92.5%), Small-Amount and Short-Term Insurance Business ¥425 million (YoY -25.2%)
Outlook and shareholder returns
Full-year earnings forecast
Net Sales¥150,000 million (YoY +6.9%)
Operating profitNot disclosed
Ordinary income¥16,000 million (YoY +21.5%)
Net income¥3,620 million (YoY +25.7%)
Annual Dividend Forecast¥46.5 → ¥59（+26.9%）
Factors Behind Changes in Business Performance
The main factor was a steady increase in the number of policies in force across all businesses. Ordinary profit increased due to the effect of higher revenue, and although tax expenses increased, the effect of higher revenue absorbed that impact.
Disclosure regarding the going concern assumption
Not applicable.
Change in accounting policy
基準改正に伴う変更 Noそれ以外の変更 No見積りの変更 No修正再表示 No
Changes in the scope of consolidationNew 0 companies / Excluded 0 companies / Company name None
Material subsequent eventsA basic agreement was signed on the management integration through an absorption-type merger with SBIグローバルアセットマネジメント株式会社. The effective date is scheduled for 1 April 2027, subject to the execution of a definitive agreement, shareholder approval, approval from the relevant authorities, and other conditions.
Breakdown of extraordinary income (loss)Extraordinary income Not disclosed / Extraordinary loss Loss on disposal of fixed assets and other assets ¥1 million, Provision for price fluctuation reserve ¥66 million / Total extraordinary losses ¥68 million
Depreciation and amortization¥981 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingYes (for institutional investors and analysts)
Issued Shares at Period-End24,820,530 shares
Treasury Shares at Period-End142 shares
| 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 | ¥78,631 million (YoY +13.6%) |
| Ordinary income | ¥9,209 million (YoY +26.0%) |
| Profit attributable to owners of the parent | ¥2,587 million (YoY +14.8%) |
| Net income per share | ¥104.26 |
| Equity ratio | End of the current fiscal period 20.5% / End of previous period 20.3% |
| Total assets | ¥239,920 million |
| Net assets | ¥49,355 million |
| Cash flows from operating activities | ¥6,572 million |
| Cash flows from investing activities | ¥-9,117 million |
| Cash flows from financing activities | ¥-1,153 million |
| Cash and cash equivalents at end of period | ¥29,355 million |
| Full-year earnings forecast | Net Sales ¥150,000 million (YoY +6.9%) / Operating profit Not disclosed / Ordinary income ¥16,000 million (YoY +21.5%) / Net income ¥3,620 million (YoY +25.7%) |
| Annual Dividend Forecast | ¥46.5 → ¥59（+26.9%） |
| Segment revenue | Non-life insurance business ¥27,484 million (YoY +21.6%), Life insurance business ¥32,465 million (YoY +12.3%), Small-Amount and Short-Term Insurance Business ¥18,774 million (YoY +5.6%) |
| Segment profit | Non-life insurance business ¥1,748 million (YoY +9.9%), Life insurance business ¥904 million (YoY +92.5%), Small-Amount and Short-Term Insurance Business ¥425 million (YoY -25.2%) |
| Depreciation and amortization | ¥981 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Not disclosed / Extraordinary loss Loss on disposal of fixed assets and other assets ¥1 million, Provision for price fluctuation reserve ¥66 million / Total extraordinary losses ¥68 million |
| Disclosure regarding the going concern assumption | Not applicable. |
| 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 |
| Material subsequent events | A basic agreement was signed on the management integration through an absorption-type merger with SBIグローバルアセットマネジメント株式会社. The effective date is scheduled for 1 April 2027, subject to the execution of a definitive agreement, shareholder approval, approval from the relevant authorities, and other conditions. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (for institutional investors and analysts) |
| Issued Shares at Period-End | 24,820,530 shares |
| Treasury Shares at Period-End | 142 shares |
| Factors Behind Changes in Business Performance | The main factor was a steady increase in the number of policies in force across all businesses. Ordinary profit increased due to the effect of higher revenue, and although tax expenses increased, the effect of higher revenue absorbed that impact. |
Items this document does not state (8)
Operating profitOperating MarginRevision to Earnings ForecastPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogImpairment loss
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.The main factor was a steady increase in the number of policies in force across all businesses, which led to higher premium income. The effect of higher revenue absorbed the impact of increased tax expenses and other factors.
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.