Worth reading
30Immaterial
Scored from 5 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
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Displayed only when the document provides numerical figures.Wording
Avoiding a definitive answer
How definitive the wording is.Contents of this document
Summary of Q&AFiscal year ending March 20264 items taken from the company’s own explanation
What the company explained in this material
Key points of the Q&AKey questions raised by investors at the briefing and the company's answers
- Changes to fee payments and measures to prevent cancellations: The company changed to a model that suppresses first-year fees and generates recurring fees. Cancellations will be prevented through regular publications and follow-up on unpaid amounts.
- AI agent development status: Development is nearly complete, and use in sales operations is scheduled to begin around June or July 2026.
- AI-related investment: The company expects to invest approximately ¥100 million to ¥200 million this fiscal year in total, including the construction of a data infrastructure platform and expanded use of generative AI licenses.
- Feasibility of a multi-agent system: The feasibility of building the system itself is considered very high, but the division of roles between people and AI in the financial sector will be designed carefully.
- M&A policy: The company is not ruling out M&A. Transactions that are expected to generate synergies with its core online sales operations may be considered.
New initiatives
- Begin using the AI agent in sales operations around June or July 2026
- Build the data infrastructure platform underlying its AI products
- Expand the use of generative AI licenses
- Consider M&A and minority investments in transactions expected to generate synergies with its core online sales operations
Key KPIsA metric the company considers important as a management benchmark.
- Two-year retention rate for installment payments97.2 %
- Two-year retention rate for lump-sum payments99.1 %
Capital expenditures
Approximately ¥100 million to ¥200 million
| Item | Details |
|---|---|
| Document type | Summary of Q&A |
| Fiscal Period Covered | Fiscal year ending March 2026 |
| Key KPIs | Indicator name Two-year retention rate for installment payments / Value 97.2 % / Year on year against the same period last year Not disclosed, Indicator name Two-year retention rate for lump-sum payments / Value 99.1 % / Year on year against the same period last year Not disclosed |
| Capital expenditures | Approximately ¥100 million to ¥200 million |
| Key points of the Q&A | Changes to fee payments and measures to prevent cancellations: The company changed to a model that suppresses first-year fees and generates recurring fees. Cancellations will be prevented through regular publications and follow-up on unpaid amounts., AI agent development status: Development is nearly complete, and use in sales operations is scheduled to begin around June or July 2026., AI-related investment: The company expects to invest approximately ¥100 million to ¥200 million this fiscal year in total, including the construction of a data infrastructure platform and expanded use of generative AI licenses., Feasibility of a multi-agent system: The feasibility of building the system itself is considered very high, but the division of roles between people and AI in the financial sector will be designed carefully., M&A policy: The company is not ruling out M&A. Transactions that are expected to generate synergies with its core online sales operations may be considered. |
| New initiatives | Begin using the AI agent in sales operations around June or July 2026, Build the data infrastructure platform underlying its AI products, Expand the use of generative AI licenses, Consider M&A and minority investments in transactions expected to generate synergies with its core online sales operations |
Items this document does not state (25)
Net SalesOperating profitOrdinary incomeNet incomeGross Profit MarginOperating profit marginSelling, general and administrative expensesResults for the three months of the current quarterFull-year earnings forecastProgress against full-year forecastSelf-assessment against the planSegment resultsBreakdown of Factors Affecting the ChangeUnit price and quantity metricsNumber of stores and locationsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookMedium-term management plan targetsFinancial targetsAnnual DividendPayout ratioAcquisition of treasury sharesOrders received and order backlogMarket Size / Share
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 fee model was changed to increase total fees received and support medium- to long-term business stability through recurring revenue, despite deferring short-term revenue. The AI agent is intended to reduce the time required for meetings through customer nurturing.
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.