Worth reading
87Important
Scored from 5 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
16.6
% (year-on-year change in revenue)Wording
Conditional
How definitive the wording is.Contents of this document
Presentation materials for financial results2024年11月期10 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales¥35,617 million+16.6%
Operating profit¥5,330 million-4.0%
Ordinary income¥5,493 million-2.1%
Net income¥3,903 million-1.3%
Selling, general and administrative expenses¥6,819 million
Operating profit margin
Rate15.0%
Results for the three months of the current quarter生命保険手数料収入は2024年11月期第4四半期8,144百万円。新規契約数は第4四半期62,869件、顧客数は第4四半期37,636名。
Full-year earnings forecast
2024年11月期修正後
Net Sales
¥35,627 million
Operating profit
¥6,009 million
Ordinary income
¥6,171 million
Net income for the current fiscal year
¥4,143 million
Fiscal year ended November 2025
Net Sales
¥40,232 million
Operating profit
¥6,130 million
Ordinary income
¥6,145 million
Net income for the current fiscal year
¥4,041 million
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 Sales99.97%
Operating profit88.70%
Ordinary income89.01%
Net income for the current fiscal year94.21%
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
売上高は期初の業績予想を達成したが、営業利益・営業利益率は修正後の業績予想を下回った。Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
- 営業利益の修正後予想との差額679百万円
- 業務品質支援金の想定との差額2.9億円下回り
New initiatives
- DXによるシステム刷新・業務効率化
- 教育・研修による営業社員の高位平準化
- Expansion of the Contract Transfer Business
- マネードクタープレミアの店舗拡大（2026年11月期末までに50店舗体制）
- 2025年11月期からの累進配当導入
Key KPIsA metric the company considers important as a management benchmark.
- Number of sales employees2,518 PeopleYear on year against the same period last year+8.3%
- Number of agreed contract transfers94,509 EngagementsYear on year against the same period last year+87.3%
- Number of prospective insurance customers163,306 PeopleYear on year against the same period last year+8.8%
- New contracts250,396 EngagementsYear on year against the same period last year+10.4%
- New customers152,525 PeopleYear on year against the same period last year+11.8%
- Number of in-force policies1,735,733 EngagementsYear on year against the same period last year+19.1%
- Number of customers676,926 PeopleYear on year against the same period last year+14.4%
Medium-term management plan targets
2025年11月期～2027年11月期の新事業計画で、最終利益61.5億円を目指す。目標年度は2027年11月期。Number of stores and locations
End of period174拠点（142支社、32店舗）
Number of employees
Number of Employees営業社員2,518名
Change during the period純増192名
Hiring plan採用数681名。2025年11月期も営業社員採用700名目標を継続
Annual Dividend
2024年11月期92円/株（中間45円、期末47円）
2025年11月期予想94円/株（中間47円、期末47円）
Payout ratio
45%を目安Acquisition of treasury shares
2024年1月・7月に各10億円、合計20億円の自社株買いを実施| Item | Details |
|---|---|
| Document type | Presentation materials for financial results |
| Fiscal Period Covered | 2024年11月期 |
| Net Sales | ¥35,617 million (YoY +16.6%) |
| Operating profit | ¥5,330 million (YoY -4.0%) |
| Ordinary income | ¥5,493 million (YoY -2.1%) |
| Net income | ¥3,903 million (YoY -1.3%) |
| Operating profit margin | Rate 15.0% / Year-on-year change (points) Not disclosed |
| Selling, general and administrative expenses | ¥6,819 million |
| Results for the three months of the current quarter | 生命保険手数料収入は2024年11月期第4四半期8,144百万円。新規契約数は第4四半期62,869件、顧客数は第4四半期37,636名。 |
| Full-year earnings forecast | 2024年11月期修正後 Net Sales ¥35,627 million / Operating profit ¥6,009 million / Ordinary income ¥6,171 million / Net income for the current fiscal year ¥4,143 million / Fiscal year ended November 2025 Net Sales ¥40,232 million / Operating profit ¥6,130 million / Ordinary income ¥6,145 million / Net income for the current fiscal year ¥4,041 million |
| Progress against full-year forecast | Net Sales 99.97% / Operating profit 88.70% / Ordinary income 89.01% / Net income for the current fiscal year 94.21% |
| Self-assessment against the plan | 売上高は期初の業績予想を達成したが、営業利益・営業利益率は修正後の業績予想を下回った。 |
| Breakdown of Factors Affecting the Change | Factors 営業利益の修正後予想との差額 / Amount 679百万円, Factors 業務品質支援金の想定との差額 / Amount 2.9億円下回り |
| Key KPIs | Indicator name Number of sales employees / Value 2,518 People / Year on year against the same period last year +8.3%, Indicator name Number of agreed contract transfers / Value 94,509 Engagements / Year on year against the same period last year +87.3%, Indicator name Number of prospective insurance customers / Value 163,306 People / Year on year against the same period last year +8.8%, Indicator name New contracts / Value 250,396 Engagements / Year on year against the same period last year +10.4%, Indicator name New customers / Value 152,525 People / Year on year against the same period last year +11.8%, Indicator name Number of in-force policies / Value 1,735,733 Engagements / Year on year against the same period last year +19.1%, Indicator name Number of customers / Value 676,926 People / Year on year against the same period last year +14.4% |
| Number of stores and locations | End of period 174拠点（142支社、32店舗） / Number of store openings and closures during the period Not disclosed |
| Number of employees | Number of Employees 営業社員2,518名 / Change during the period 純増192名 / Hiring plan 採用数681名。2025年11月期も営業社員採用700名目標を継続 |
| Medium-term management plan targets | 2025年11月期～2027年11月期の新事業計画で、最終利益61.5億円を目指す。目標年度は2027年11月期。 |
| Annual Dividend | 2024年11月期 92円/株（中間45円、期末47円） / 2025年11月期予想 94円/株（中間47円、期末47円） |
| Payout ratio | 45%を目安 |
| Acquisition of treasury shares | 2024年1月・7月に各10億円、合計20億円の自社株買いを実施 |
| New initiatives | DXによるシステム刷新・業務効率化, 教育・研修による営業社員の高位平準化, Expansion of the Contract Transfer Business, マネードクタープレミアの店舗拡大（2026年11月期末までに50店舗体制）, 2025年11月期からの累進配当導入 |
Items this document does not state (10)
Gross Profit MarginSegment resultsUnit price and quantity metricsAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookFinancial targetsCapital expendituresOrders received and order backlogMarket Size / ShareKey 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.新規契約の獲得が好調で売上高は増加した一方、営業社員の報酬増加で売上原価が上昇した。加えて、利益率の高い平準払い商品の販売量減少、利益率の低い一時払い商品の販売量増加、業務品質支援金が想定を2.9億円下回ったことが営業利益を押し下げた。
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.