Financial Results Presentation for the Fiscal Year Ending March 2026 | Broad-Minded Co.,Ltd. (7343) timely disclosure

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Contents of this document

Presentation materials for financial resultsFiscal year ending March 2026, full year13 items taken from the company’s own explanation

Financial Results Figures (The key points of this material are explained below)

Net Sales¥5,289 million-11.3%

Operating profit¥623 million+35.3%

Ordinary income¥638 million+28.4%

Net income¥394 million+120.7%

Gross Profit Margin92.8%

Operating profit margin11.8%

Selling, general and administrative expenses¥4,284 million

Results for the three months of the current quarterQuarterly revenue trends are presented. In the fourth quarter of the fiscal year ended March 2026, revenue was ¥1,271.3 million for the Financial Partners business, ¥36.1 million for the Insurance Shop business, and ¥439.9 million for the Real Estate Sales business.

Full-year earnings forecast

Net Sales

¥5,096 million

Operating profit

¥480 million

Ordinary income

¥491 million

Net income

¥320 million

EPS

¥55.87

ROE

8 %

What the company explained in this material

Self-assessment against the planThe company's self-assessment against its own plan.

Each profit measure is expected to exceed the initial forecast

Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.

Life insurance commissions¥63 million
DirectionPositive
Cross-Selling¥2 million
DirectionPositive
Real Estate Development¥-106 million
DirectionDownward contribution
Digital Services¥-48 million
DirectionDownward contribution
Call center¥26 million
DirectionPositive
Other¥44 million
DirectionPositive
Innocent¥-3 million
DirectionDownward contribution
Appointment-related¥18 million
DirectionPositive
Personnel-related¥58 million
DirectionPositive
Other SG&A expenses¥108 million
DirectionPositive

Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.

Real Estate Sales
AssumptionsPlan to sell 1 of the properties held
New graduate hiring
AssumptionsHire 40 or more people
Fee structure changes
AssumptionsReduce first-year commissions on single-premium life insurance and generate recurring commissions

New initiatives

In-house development of an LLM and AI agents specialized for financial planning operations
Build an AI and data platform
Begin production use of an AI tool for initial interviews
Develop an AI-enabled life-plan simulator
Launch AND CALMO, a financial education and human capital management support service
Begin multilayered financial education support for Hitachi Insurance Services
Introduce the Broad-Minded Premium Benefits Club shareholder benefit program
Payment of Interim Dividends

Key KPIsA metric the company considers important as a management benchmark.

Number of new consultations received29,796 Households
Year on year against the same period last year+16.3%
Increase in assets under custody138 Hundreds of millions of yen
Year on year against the same period last year+37.7%
Annual ANP generated¥6,420 million
Number of consultants in the online sales organization153 people
ANP generated per person in the online sales organization¥42 million

Segment results

Financial Partners business
Net Sales¥4,810 million (YoY +1.2%)
Segment profit¥600 million (YoY +37.9%)
Real estate sales business
Net Sales¥478 million (YoY -60.4%)
Segment profit¥23 million (YoY -46.9%)

Medium-term management plan targets

Target fiscal yearFiscal year ending March 2030

Target value

Revenue of ¥6,858 million
Operating profit of ¥1,133 million
Operating margin of 16.5%
ROE13.8%
Reach a market capitalization of ¥10 billion

Financial targets

ROE

Actual results for the fiscal year ending March 20269.9%

Forecast for the fiscal year ending March 20278.0%

Target for the fiscal year ending March 203013.8%

Equity ratio75.6%

Risk amount incorporated into the outlookThe amount representing the range of variation the company expects in its forecast.

Up to approximately ¥400 million

DetailsImpact of the fee structure changes for single-premium life insurance on revenue for the current fiscal year

Market Size / Share

Approximately 50 million potential customer households

Number of employees

Number of Employees312 people

As ofEnd of March 2026

Hiring planIncrease new graduate hiring to 40 or more people

Annual Dividend

Fiscal year ending March 2026¥69

Forecast for the fiscal year ending March 2027¥70

BreakdownFor the fiscal year ending March 2027, ¥35 interim dividend and ¥35 year-end dividend

Payout ratio

Fiscal year ending March 2026103%

Forecast for the fiscal year ending March 2027125%

PolicyAim for a 100% payout ratio for the 3 fiscal years from the fiscal year ended March 2025 through the fiscal year ending March 2027

Contents of this document
Item	Details
Document type	Presentation materials for financial results
Fiscal Period Covered	Fiscal year ending March 2026, full year
Net Sales	¥5,289 million (YoY -11.3%)
Operating profit	¥623 million (YoY +35.3%)
Ordinary income	¥638 million (YoY +28.4%)
Net income	¥394 million (YoY +120.7%)
Gross Profit Margin	92.8%
Operating profit margin	11.8%
Selling, general and administrative expenses	¥4,284 million
Results for the three months of the current quarter	Quarterly revenue trends are presented. In the fourth quarter of the fiscal year ended March 2026, revenue was ¥1,271.3 million for the Financial Partners business, ¥36.1 million for the Insurance Shop business, and ¥439.9 million for the Real Estate Sales business.
Full-year earnings forecast	Net Sales ¥5,096 million / Operating profit ¥480 million / Ordinary income ¥491 million / Net income ¥320 million / EPS ¥55.87 / ROE 8 %
Self-assessment against the plan	Each profit measure is expected to exceed the initial forecast
Segment results	Segment Financial Partners business / Net Sales ¥4,810 million (YoY +1.2%) / Segment profit ¥600 million (YoY +37.9%), Segment Real estate sales business / Net Sales ¥478 million (YoY -60.4%) / Segment profit ¥23 million (YoY -46.9%)
Breakdown of Factors Affecting the Change	Factors Life insurance commissions / Amount ¥63 million / Direction Positive, Factors Cross-Selling / Amount ¥2 million / Direction Positive, Factors Real Estate Development / Amount ¥-106 million / Direction Downward contribution, Factors Digital Services / Amount ¥-48 million / Direction Downward contribution, Factors Call center / Amount ¥26 million / Direction Positive, Factors Other / Amount ¥44 million / Direction Positive, Factors Innocent / Amount ¥-3 million / Direction Downward contribution, Factors Appointment-related / Amount ¥18 million / Direction Positive, Factors Personnel-related / Amount ¥58 million / Direction Positive, Factors Other SG&A expenses / Amount ¥108 million / Direction Positive
Key KPIs	Indicator name Number of new consultations received / Value 29,796 Households / Year on year against the same period last year 16.3 Households, Indicator name Increase in assets under custody / Value 138 Hundreds of millions of yen / Year on year against the same period last year 37.7 Hundreds of millions of yen, Indicator name Annual ANP generated / Value ¥6,420 million / Year on year against the same period last year Not disclosed, Indicator name Number of consultants in the online sales organization / Value 153 people / Year on year against the same period last year Not disclosed, Indicator name ANP generated per person in the online sales organization / Value ¥42 million / Year on year against the same period last year Not disclosed
Number of employees	Number of Employees 312 people / As of End of March 2026 / Change during the period Not disclosed / Hiring plan Increase new graduate hiring to 40 or more people
Assumptions Underlying the Business Outlook	Item Real Estate Sales / Assumptions Plan to sell 1 of the properties held, Item New graduate hiring / Assumptions Hire 40 or more people, Item Fee structure changes / Assumptions Reduce first-year commissions on single-premium life insurance and generate recurring commissions
Risk amount incorporated into the outlook	Amount Up to approximately ¥400 million / Details Impact of the fee structure changes for single-premium life insurance on revenue for the current fiscal year
Medium-term management plan targets	Target fiscal year Fiscal year ending March 2030 / Target value Revenue of ¥6,858 million, Operating profit of ¥1,133 million, Operating margin of 16.5%, ROE13.8%, Reach a market capitalization of ¥10 billion
Financial targets	ROE Actual results for the fiscal year ending March 2026 9.9% / Forecast for the fiscal year ending March 2027 8.0% / Target for the fiscal year ending March 2030 13.8% / Equity ratio 75.6%
Annual Dividend	Fiscal year ending March 2026 ¥69 / Forecast for the fiscal year ending March 2027 ¥70 / Breakdown For the fiscal year ending March 2027, ¥35 interim dividend and ¥35 year-end dividend
Payout ratio	Fiscal year ending March 2026 103% / Forecast for the fiscal year ending March 2027 125% / Policy Aim for a 100% payout ratio for the 3 fiscal years from the fiscal year ended March 2025 through the fiscal year ending March 2027
Market Size / Share	Market Size Approximately 50 million potential customer households / Share Not disclosed
New initiatives	In-house development of an LLM and AI agents specialized for financial planning operations, Build an AI and data platform, Begin production use of an AI tool for initial interviews, Develop an AI-enabled life-plan simulator, Launch AND CALMO, a financial education and human capital management support service, Begin multilayered financial education support for Hitachi Insurance Services, Introduce the Broad-Minded Premium Benefits Club shareholder benefit program, Payment of Interim Dividends

Items this document does not state (7)

Progress against full-year forecastUnit price and quantity metricsNumber of stores and locationsAcquisition 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.

The decline in revenue for the fiscal year ended March 2026 was due to changing the timing of sales of real estate properties held for sale to the following fiscal year or later, and the sale of the MoneyPro Shop business. The increase in profit was attributable to higher sales from the core online sales organization, cost reductions, and lower personnel expenses, rent, amortization of goodwill, and amortization of customer-related assets following the sale of that business. The expected decline in revenue and profit for the fiscal year ending March 2027 reflects the deferral of revenue resulting from changes to the fee structure for single-premium life insurance, a policy of not rushing to sell real estate properties, and upfront investments including the enhancement of training systems and AI investments.

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