Worth reading
74In focus
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Mixed performance
Direction inferred from the company’s description.Scale
77
Year-on-year change in operating income (%)Wording
Conditional
How definitive the wording is.Contents of this document
Financial results presentationFirst quarter of the fiscal year ending March 202713 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales¥1,269 million+2.5%
Operating profit¥206 million+77.0%
Ordinary income¥208 million+74.5%
Net income¥137 million+193.7%
Selling, general and administrative expenses¥1,026 million
Gross Profit Margin
Rate97.1%
Year-on-year change (points)Down 0.2 percentage points
Operating profit margin
Rate16.2%
Year-on-year change (points)Up 6.8 percentage points
Results for the three months of the current quarterRevenue: ¥1,269 million; operating profit: ¥206 million; ordinary profit: ¥208 million; profit attributable to owners of the parent: ¥137 million; new consultation requests: 6,643 households; assets under custody increased by ¥6.9 billion from the end of the previous fiscal year
Full-year earnings forecast
Net Sales
¥5,096 million
Operating profit
¥480 million
Ordinary income
¥491 million
Profit attributable to owners of the parent
¥320 million
EPS
¥55.87
ROE
8 %
Progress against full-year forecast 通期の予想に対して、いまどこまで進んだかの割合です。
Net Sales24.9%
Operating profit42.9%
Ordinary income42.2%
Profit attributable to owners of parent for the quarter43.0%
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
Progress against the full-year earnings forecast is on trackBreakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
Change in operating profitChange from ¥117 million in the first quarter of the fiscal year ending March 2026 to ¥206 million in the first quarter of the fiscal year ending March 2027
Gross profit-related
Life insurance commissions-50
Cross-Selling20
Real Estate Development21
Digital Services2
Call center2
Innocent/Other5
SG&A expense-related
Appointment-related10
Personnel-related33
Other49
Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.
- Impact of changes to the commission structure for single-premium life insurance on revenue in the current fiscal yearFiguresUp to approximately ¥400 million
- Real Estate SalesFiguresPlan to sell 1 of the properties held
- Recruitment for the online sales organizationFigures40 or more people from the fiscal year ending March 2027 onward
New initiatives
- Begin multilayered financial education support for Hitachi Insurance Services
- Business alliance with O-net
- Begin production use of an AI tool for initial interviews
- Commencement of development of a life-planning simulator combined with AI
- In-house development of an LLM and AI agents specialized for financial planning operations
- Rollout of financial well-being services
Key KPIsA metric the company considers important as a management benchmark.
- Number of new consultations received6,643 HouseholdsYear on year against the same period last year-9.8%
- Increase in assets under custody¥69 100 millionYear on year against the same period last yearUp 13.8% from the end of the previous fiscal year
- Recurring revenueYear on year against the same period last year+36.5%
- Life insurance commissions from the online sales organizationYear on year against the same period last year+2.7%
- Cumulative number of participants in financial education programs4,500 people
Segment results
Financial Partners business
Net Sales
¥1,214 million-1.6%
Segment profit
¥202 million+63.6%
Real estate sales business
Net Sales
¥55 million
Segment profit
¥3 million
Medium-term management plan targets
Target fiscal yearFiscal year ending March 2030
Net Sales
¥6,858 million
Operating profit
¥1,133 million
Operating profit margin
17 %
ROE
13.8 %
Financial targets
ROE
Forecast for the fiscal year ending March 20278 %
Target for the fiscal year ending March 203013.8 %
Equity ratio70.1% (actual)
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
Competitive comparisonThere are 11 companies in Japan, including the company, that act as intermediaries across all fields
Number of employees
Number of Employees312 people
As ofEnd of March 2026
Changes during the period and hiring planRecruitment of 40 or more people for the online sales organization from the fiscal year ending March 2027 onward
Annual Dividend
Annual dividend per share¥70
Interim¥35
End of period¥35
Payout ratio
Rate100 %
Additional informationThe company aims for a 100% payout ratio for the 3 fiscal years from the fiscal year ending March 2025 through the fiscal year ending March 2027
| Item | Details |
|---|---|
| Document type | Financial results presentation |
| Fiscal Period Covered | First quarter of the fiscal year ending March 2027 |
| Net Sales | ¥1,269 million (YoY +2.5%) |
| Operating profit | ¥206 million (YoY +77.0%) |
| Ordinary income | ¥208 million (YoY +74.5%) |
| Net income | ¥137 million (YoY +193.7%) |
| Gross Profit Margin | Rate 97.1% / Year-on-year change (points) Down 0.2 percentage points |
| Operating profit margin | Rate 16.2% / Year-on-year change (points) Up 6.8 percentage points |
| Selling, general and administrative expenses | ¥1,026 million |
| Results for the three months of the current quarter | Revenue: ¥1,269 million; operating profit: ¥206 million; ordinary profit: ¥208 million; profit attributable to owners of the parent: ¥137 million; new consultation requests: 6,643 households; assets under custody increased by ¥6.9 billion from the end of the previous fiscal year |
| Full-year earnings forecast | Net Sales ¥5,096 million / Operating profit ¥480 million / Ordinary income ¥491 million / Profit attributable to owners of the parent ¥320 million / EPS ¥55.87 / ROE 8 % |
| Progress against full-year forecast | Net Sales 24.9% / Operating profit 42.9% / Ordinary income 42.2% / Profit attributable to owners of parent for the quarter 43.0% |
| Self-assessment against the plan | Progress against the full-year earnings forecast is on track |
| Segment results | Financial Partners business Net Sales ¥1,214 million (YoY -1.6%) / Segment profit ¥202 million (YoY +63.6%) / Real estate sales business Net Sales ¥55 million / Segment profit ¥3 million |
| Breakdown of Factors Affecting the Change | Change in operating profit Change from ¥117 million in the first quarter of the fiscal year ending March 2026 to ¥206 million in the first quarter of the fiscal year ending March 2027 / Gross profit-related Life insurance commissions -50 / Cross-Selling 20 / Real Estate Development 21 / Digital Services 2 / Call center 2 / Innocent/Other 5 / SG&A expense-related Appointment-related 10 / Personnel-related 33 / Other 49 |
| Key KPIs | Indicator name Number of new consultations received / Value 6,643 Households / Year on year against the same period last year -9.8 Households, Indicator name Increase in assets under custody / Value ¥69 100 million / Year on year against the same period last year Up 13.8% from the end of the previous fiscal year, Indicator name Recurring revenue / Value Not disclosed / Year on year against the same period last year 36.5, Indicator name Life insurance commissions from the online sales organization / Value Not disclosed / Year on year against the same period last year 2.7, Indicator name Cumulative number of participants in financial education programs / Value 4,500 people / 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 / Changes during the period and hiring plan Recruitment of 40 or more people for the online sales organization from the fiscal year ending March 2027 onward |
| Assumptions Underlying the Business Outlook | Item Impact of changes to the commission structure for single-premium life insurance on revenue in the current fiscal year / Figures Up to approximately ¥400 million, Item Real Estate Sales / Figures Plan to sell 1 of the properties held, Item Recruitment for the online sales organization / Figures 40 or more people from the fiscal year ending March 2027 onward |
| 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 / Net Sales ¥6,858 million / Operating profit ¥1,133 million / Operating profit margin 17 % / ROE 13.8 % |
| Financial targets | ROE Forecast for the fiscal year ending March 2027 8 % / Target for the fiscal year ending March 2030 13.8 % / Equity ratio 70.1% (actual) |
| Annual Dividend | Annual dividend per share ¥70 / Interim ¥35 / End of period ¥35 |
| Payout ratio | Rate 100 % / Additional information The company aims for a 100% payout ratio for the 3 fiscal years from the fiscal year ending March 2025 through the fiscal year ending March 2027 |
| Market Size / Share | Market Size Not disclosed / Share Not disclosed / Competitive comparison There are 11 companies in Japan, including the company, that act as intermediaries across all fields |
| New initiatives | Begin multilayered financial education support for Hitachi Insurance Services, Business alliance with O-net, Begin production use of an AI tool for initial interviews, Commencement of development of a life-planning simulator combined with AI, In-house development of an LLM and AI agents specialized for financial planning operations, Rollout of financial well-being services |
Items this document does not state (6)
Unit 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.In the first quarter, growth in life insurance commissions from the online sales organization, real estate sales and cross-selling offset the decline in revenue from the sale of the MoneyPro Shop business. Selling, general and administrative expenses were also contained through cost reductions and decreases in personnel expenses, rent, amortization of goodwill and amortization of customer-related assets associated with the sale. For the full year, the company expects revenue to be deferred as a result of changes to the commission structure for single-premium life insurance, a change in its real estate sales policy, and upfront investments including the strengthening of its training system and investment in AI.
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.