Worth reading
50Recurring
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
-3513
Millions of yen (year-on-year change in revenue)Wording
Definitive
How definitive the wording is.Contents of this document
Earnings presentationFiscal year ended November 20259 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales32,104 million yen-9.9%
Operating profit2,984 million yen-44.0%
Ordinary income3,153 million yen-42.6%
Net income2,042 million yen-47.7%
Selling, general and administrative expenses7,689 million yen
Operating profit margin
Rate9.3%
Results for the three months of the current quarter生命保険手数料、会社集客件数、新規契約件数などについて四半期単独の数値を掲載。全社の四半期単独の売上高・利益はNot disclosed
Full-year earnings forecast
Net Sales
36,261 million yen
Operating profit
3,326 million yen
Ordinary income
3,467 million yen
Net income for the current fiscal year
2,222 million yen
Earnings per share
96円61銭
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 Sales100.5%
Operating profit121.4%
Ordinary income120.4%
Net income for the current fiscal year122.3%
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
売上高、各段階利益とも、修正後業績予想に対して上振れで着地Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
営業社員数の純減、提携企業集客の減少、新規契約件数の減少、販管費の縮減等。要因別金額はNot disclosed
Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.
2025年11月期の販売商品構成・手数料率をベースに計画値を見直し。その他の為替・原材料価格等の数値前提はNot disclosedNew initiatives
- 2025年12月1日からヤマダデンキと業務提携を開始
- 2026年11月期に教育とDX推進へ成長投資
- 契約譲受を収益拡大の柱として拡大
- 営業本部にエリアごとのブロック長を配置
- 総合支社モデルを全国主要エリアへ展開
Key KPIsA metric the company considers important as a management benchmark.
- Number of sales employees2,333 peopleYear on year against the same period last year-7.3%
- Number of new contracts228,111 EngagementsYear on year against the same period last year-8.9%
- Number of prospective insurance customers123,598 peopleYear on year against the same period last year-24.3%
- Number of agreed contract transfers14,620 EngagementsYear on year against the same period last yearプレステージ社（非連結）分を含むと+51.0%
- Number of in-force policies1,994,554 EngagementsYear on year against the same period last year+14.9%
- Number of customers746,867 peopleYear on year against the same period last year+10.3%
Number of stores and locations
End of period192拠点（154支社、38店舗）
Number of employees
Number of Employees営業社員2,333名
Change during the period前期末比-185名、3Q比-97名
Hiring plan2026年11月期の営業社員採用目標500名
Annual Dividend
Annual dividend per share¥94
Interim¥47
End of period¥47
Payout ratio
45%| Item | Details |
|---|---|
| Document type | Earnings presentation |
| Fiscal Period Covered | Fiscal year ended November 2025 |
| Net Sales | 32,104 million yen (YoY -9.9%) |
| Operating profit | 2,984 million yen (YoY -44.0%) |
| Ordinary income | 3,153 million yen (YoY -42.6%) |
| Net income | 2,042 million yen (YoY -47.7%) |
| Operating profit margin | Rate 9.3% / Year-on-year change Not disclosed |
| Selling, general and administrative expenses | 7,689 million yen |
| Results for the three months of the current quarter | 生命保険手数料、会社集客件数、新規契約件数などについて四半期単独の数値を掲載。全社の四半期単独の売上高・利益はNot disclosed |
| Full-year earnings forecast | Net Sales 36,261 million yen / Operating profit 3,326 million yen / Ordinary income 3,467 million yen / Net income for the current fiscal year 2,222 million yen / Earnings per share 96円61銭 |
| Progress against full-year forecast | Net Sales 100.5% / Operating profit 121.4% / Ordinary income 120.4% / Net income for the current fiscal year 122.3% |
| Self-assessment against the plan | 売上高、各段階利益とも、修正後業績予想に対して上振れで着地 |
| Breakdown of Factors Affecting the Change | 営業社員数の純減、提携企業集客の減少、新規契約件数の減少、販管費の縮減等。要因別金額はNot disclosed |
| Key KPIs | Indicator name Number of sales employees / Value 2,333 people / Year on year against the same period last year -7.3 people, Indicator name Number of new contracts / Value 228,111 Engagements / Year on year against the same period last year -8.9 Engagements, Indicator name Number of prospective insurance customers / Value 123,598 people / Year on year against the same period last year -24.3 people, Indicator name Number of agreed contract transfers / Value 14,620 Engagements / Year on year against the same period last year プレステージ社（非連結）分を含むと+51.0%, Indicator name Number of in-force policies / Value 1,994,554 Engagements / Year on year against the same period last year 14.9 Engagements, Indicator name Number of customers / Value 746,867 people / Year on year against the same period last year 10.3 people |
| Number of stores and locations | End of period 192拠点（154支社、38店舗） / Number of store openings and closures during the period Not disclosed |
| Number of employees | Number of Employees 営業社員2,333名 / Change during the period 前期末比-185名、3Q比-97名 / Hiring plan 2026年11月期の営業社員採用目標500名 |
| Assumptions Underlying the Business Outlook | 2025年11月期の販売商品構成・手数料率をベースに計画値を見直し。その他の為替・原材料価格等の数値前提はNot disclosed |
| Annual Dividend | Annual dividend per share ¥94 / Interim ¥47 / End of period ¥47 |
| Payout ratio | 45% |
| New initiatives | 2025年12月1日からヤマダデンキと業務提携を開始, 2026年11月期に教育とDX推進へ成長投資, 契約譲受を収益拡大の柱として拡大, 営業本部にエリアごとのブロック長を配置, 総合支社モデルを全国主要エリアへ展開 |
Items this document does not state (11)
Gross Profit MarginSegment resultsUnit price and quantity metricsRisk amount incorporated into the outlookMedium-term management plan targetsFinancial 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.営業社員数の純減や提携企業からの集客減少などにより新規契約件数が減少し、売上高が減収となった。利益面では、販管費の縮減などを行った結果、営業利益・営業利益率が修正後の業績予想を上回った。
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.
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