Results for this period
Interim period (second quarter)1 December 2025–31 May 2026Non-consolidated (standalone)Japanese GAAPThe width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
塗りつぶした部分が自己資本比率です。総資産のうち、返済のいらない自前の資金がどれだけかを表します。The thin vertical line indicates the level at the end of the previous fiscal year.
Stacked from zero: upward is an increase in cash, downward a decrease (in thousand yen).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Changes in the competitive and sales environment for insurance products resulting from the normalization of monetary policy and rising interest rates, efforts under the business improvement plan, an increase in sales personnel, the recovery of customer acquisition through business partners, and an increase in consultations regarding the transfer of contracts and business integration, among other factors
Not applicable.
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Non-consolidated (standalone) |
| Period Covered | 1 December 2025–31 May 2026 |
| Net Sales | 15,599 million yen (YoY -5.1%) |
| Operating profit | 1,076 million yen (YoY -27.1%) |
| Ordinary income | 1,073 million yen (YoY -27.8%) |
| Profit attributable to owners of the parent | 703 million yen (YoY -27.8%) |
| Net income per share | ¥30.48 |
| Equity ratio | End of the current fiscal period 61.8 / End of previous period 64.2 |
| Total assets | 17,905 million yen |
| Net assets | 11,066 million yen |
| Cash flows from operating activities | 1,260,830 thousand yen |
| Cash flows from investing activities | -726,770 thousand yen |
| Cash flows from financing activities | -1,879,780 thousand yen |
| Cash and cash equivalents at end of period | 6,173,634 thousand yen |
| Full-year earnings forecast | Net Sales 31,793 million yen (YoY -1.0%) / Operating profit 2,300 million yen (YoY -22.9%) / Ordinary income 2,417 million yen (YoY -23.3%) / Net income 1,617 million yen (YoY -20.8%) |
| Revision to Earnings Forecast | Net Sales Not disclosed → 31,793 million yen / Operating profit Not disclosed → 2,300 million yen / Ordinary income Not disclosed → 2,417 million yen / Net income Not disclosed → 1,617 million yen |
| Annual Dividend Forecast | 94 yen → 94 yen（0.0%） |
| Depreciation and amortization | 291,417 thousand yen |
| Disclosure regarding the going concern assumption | Not applicable. |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate Yes / Restatement No |
| Material subsequent events | Not applicable. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (for investors and analysts) |
| Issued Shares at Period-End | 23,270,500 shares |
| Treasury Shares at Period-End | 197,345 shares |
| Factors Behind Changes in Business Performance | Changes in the competitive and sales environment for insurance products resulting from the normalization of monetary policy and rising interest rates, efforts under the business improvement plan, an increase in sales personnel, the recovery of customer acquisition through business partners, and an increase in consultations regarding the transfer of contracts and business integration, among other factors |
Items this document does not state (10)
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 company cited changes in the competitive and sales environment for insurance products resulting from the normalization of monetary policy and rising interest rates. It also cited efforts under its business improvement plan, the recruitment of sales personnel, the recovery of customer acquisition through business partners, and an increase in consultations from insurance agencies regarding the transfer of contracts and business integration. The company stated that the full-year earnings forecast was revised based on results for the interim accounting period and recent business trends.