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Financial results presentation7388FP Partner Inc.Financials (excluding banks)

2025年11月期第３四半期決算説明資料

第3四半期累計は、売上高・営業利益・経常利益・純利益が前年同期を下回った。一方、商品構成の改善で業務品質支援金料率と営業利益率は持ち直し、通期予想は下方修正したが、営業利益などの予想値は前回予想を上回る水準に見直した。

Worth reading
71In 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
-2209
¥ millions (year-on-year change in operating income)
Wording
Conditional
How definitive the wording is.

Contents of this document

Financial results presentation2025年11月期 第3四半期9 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales¥24,358 million-9.7%
Operating profit¥2,228 million-49.8%
Ordinary income¥2,389 million-48.6%
Net income¥1,528 million-51.1%
Selling, general and administrative expenses¥5,862 million
Gross Profit Margin33.2%（売上高－売上原価。前年同期比の増減ポイントは資料に明示なし）
Operating profit margin9.2%（前年同期16.4%、7.2ポイント低下）
Results for the three months of the current quarter業務品質支援金料率24.3%、営業利益率9.5%。新規契約件数は57,263件、保険契約見込顧客数は28,960名、契約譲受合意件数は14,391件。
Full-year earnings forecast
Net Sales
¥31,957 million
Operating profit
¥2,457 million
Ordinary income
¥2,620 million
Net income for the current fiscal year
¥1,670 million
Operating profit margin
7.7 %
Dividend per share
¥94
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 Sales76.2%（修正後）
Operating profit90.7%（修正後）
Ordinary income91.2%（修正後）
Quarterly net income91.5%（修正後）
参考・前回予想ベース
Net Sales74.7%
Operating profit108.7%
Ordinary income113.7%
Quarterly net income114.4%
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
契約譲受は計画通りに進捗
Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.
第4四半期は業務品質査定の項目により業務品質支援金の低下を見込む。具体的な為替・原材料価格・金利等の前提数値はNot disclosed。
New initiatives
  • プレステージ株式会社の株式譲受に合意
  • 業務改善命令を受けた業務改善計画を提出
  • 保障提供、社内エンゲージメント向上、既契約者フォロー、採用強化・退職抑制を下期に推進
  • DXと教育を成長戦略の基盤として展開
Key KPIsA metric the company considers important as a management benchmark.
  • Number of sales employees2,430 people
    Year on year against the same period last year-3.5%
  • Number of new contracts57,263 Engagements
    Year on year against the same period last year-11.8%
  • Number of prospective insurance customers28,960 people
    Year on year against the same period last year-27.6%
  • Number of agreed contract transfers14,391 Engagements
    Year on year against the same period last year-75.7%
  • Number of in-force policies1,943,259 Engagements
    Year on year against the same period last year+16.1%
  • Number of customers730,457 people
    Year on year against the same period last year+11.3%
Financial targets
2024年11月期ROE31.9%、株主資本コスト12.49%。ROEが株主資本コストを上回る高い水準の継続を目指す。
Number of stores and locations
189拠点（2025年8月末現在）。期中の出退店数は資料に明示なし。内訳は支社153、店舗36。
Number of employees
営業社員数2,430名。前期末比マイナス88名、2Q比マイナス92名。採用数は97名。プレステージ社のM&Aにより来期に100名程度の営業社員数増加要素がある。
Annual Dividend
94円/株（中間47円、期末47円予想）
Payout ratio
45%目途。累進配当を継続。
Contents of this document
ItemDetails
Document typeFinancial results presentation
Fiscal Period Covered2025年11月期 第3四半期
Net Sales¥24,358 million (YoY -9.7%)
Operating profit¥2,228 million (YoY -49.8%)
Ordinary income¥2,389 million (YoY -48.6%)
Net income¥1,528 million (YoY -51.1%)
Gross Profit Margin33.2%（売上高－売上原価。前年同期比の増減ポイントは資料に明示なし）
Operating profit margin9.2%（前年同期16.4%、7.2ポイント低下）
Selling, general and administrative expenses¥5,862 million
Results for the three months of the current quarter業務品質支援金料率24.3%、営業利益率9.5%。新規契約件数は57,263件、保険契約見込顧客数は28,960名、契約譲受合意件数は14,391件。
Full-year earnings forecastNet Sales ¥31,957 million / Operating profit ¥2,457 million / Ordinary income ¥2,620 million / Net income for the current fiscal year ¥1,670 million / Operating profit margin 7.7 % / Dividend per share ¥94
Progress against full-year forecastNet Sales 76.2%（修正後） / Operating profit 90.7%（修正後） / Ordinary income 91.2%（修正後） / Quarterly net income 91.5%（修正後） / 参考・前回予想ベース Net Sales 74.7% / Operating profit 108.7% / Ordinary income 113.7% / Quarterly net income 114.4%
Self-assessment against the plan契約譲受は計画通りに進捗
Key KPIsIndicator name Number of sales employees / Value 2,430 people / Year on year against the same period last year -3.5 people, Indicator name Number of new contracts / Value 57,263 Engagements / Year on year against the same period last year -11.8 Engagements, Indicator name Number of prospective insurance customers / Value 28,960 people / Year on year against the same period last year -27.6 people, Indicator name Number of agreed contract transfers / Value 14,391 Engagements / Year on year against the same period last year -75.7 Engagements, Indicator name Number of in-force policies / Value 1,943,259 Engagements / Year on year against the same period last year 16.1 Engagements, Indicator name Number of customers / Value 730,457 people / Year on year against the same period last year 11.3 people
Number of stores and locations189拠点（2025年8月末現在）。期中の出退店数は資料に明示なし。内訳は支社153、店舗36。
Number of employees営業社員数2,430名。前期末比マイナス88名、2Q比マイナス92名。採用数は97名。プレステージ社のM&Aにより来期に100名程度の営業社員数増加要素がある。
Assumptions Underlying the Business Outlook第4四半期は業務品質査定の項目により業務品質支援金の低下を見込む。具体的な為替・原材料価格・金利等の前提数値はNot disclosed。
Financial targets2024年11月期ROE31.9%、株主資本コスト12.49%。ROEが株主資本コストを上回る高い水準の継続を目指す。
Annual Dividend94円/株（中間47円、期末47円予想）
Payout ratio45%目途。累進配当を継続。
New initiativesプレステージ株式会社の株式譲受に合意, 業務改善命令を受けた業務改善計画を提出, 保障提供、社内エンゲージメント向上、既契約者フォロー、採用強化・退職抑制を下期に推進, DXと教育を成長戦略の基盤として展開
Items this document does not state (10)
Segment resultsBreakdown of Factors Affecting the ChangeUnit price and quantity metricsRisk amount incorporated into the outlookMedium-term management plan targetsAcquisition of treasury sharesCapital 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.

営業社員数、新規契約件数、保険契約見込顧客数が減少したこと、一時払い商品の販売量減少により初年度手数料が減少したこと、報道影響や報酬制度改定により採用・定着が鈍化したことを説明している。一方、販売商品構成の改善により収益性の高い商品の比率と業務品質支援金料率が上昇した。第4四半期は業務品質査定の影響で業務品質支援金の低下を見込んでいる。

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.
2025年11月期第３四半期決算説明資料 | FP Partner Inc. (7388) timely disclosure | Komori