Revised forecast
Fiscal year ending November 2026 · Full yearPrevious forecast published 14 January 2026The bar length represents the relative magnitude of change, based on the item that changed the most in this document. The percentage change shown by the dotted line is calculated from the two reported figures because the company did not provide the rate.
Performance fell below the latest forecasts due to a net decrease in the number of sales employees, weak customer traffic generated by partner companies following the business improvement order, changes in product demand and the product sales mix accompanying foreign exchange fluctuations, changes to the payment methods for foreign-currency-denominated single-premium products, and a decline in the business quality commission rate accompanying the decrease in sales volume.
| Item | Details |
|---|---|
| Net Sales | 36,261 million yen → 31,793 million yen（-12.3%） |
| Operating profit | 3,326 million yen → 2,300 million yen（-30.8%） |
| Ordinary income | 3,467 million yen → 2,417 million yen（-30.3%） |
| Profit attributable to owners of the parent | 2,222 million yen → 1,617 million yen（-27.2%） |
| Net income per share | 96.62 yen → 70.08 yen |
| Fiscal Period Covered | Fiscal year ending November 2026 |
| Period Covered | Full year |
| Publication date of previous forecast | 14 January 2026 |
| Previous-period results | Net sales: ¥32,104 million; operating profit: ¥2,984 million; ordinary profit: ¥3,153 million; net income: ¥2,042 million; net income per share: ¥88.79 (fiscal year ended November 2025) |
| Reason for the revision | Performance fell below the latest forecasts due to a net decrease in the number of sales employees, weak customer traffic generated by partner companies following the business improvement order, changes in product demand and the product sales mix accompanying foreign exchange fluctuations, changes to the payment methods for foreign-currency-denominated single-premium products, and a decline in the business quality commission rate accompanying the decrease in sales volume. |
| Dividend forecast revision | No revision. The year-end dividend for the fiscal year ending November 2026 is expected to be ¥47 per share. |
Items this document does not state (2)
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 improvement in the product sales mix and the growth in net sales and profit fell short of expectations due to a net decrease in the number of sales employees resulting from certain reports and other factors concerning the fiscal year ended November 2024, temporarily weak customer traffic generated by partner companies following the business improvement order, increased demand for foreign-currency-denominated single-premium products and sluggish sales of protection products resulting from foreign exchange fluctuations, the deferral of the timing of sales recognition following changes to product payment methods, and a decline in the business quality commission rate accompanying the decrease in sales volume.