Merchant management, cost-efficient operations, and consumer protection in the credit business
First written in FY2016. 14 of 36 entries say "Restated". Latest entry: 2026-08-07.
No other company in this theme has enough history to compare yet.
- FY2026AdvancedAnnual report
「In the financial services business, we continued, as before, to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants, hereafter referred to as the credit business. As a result, revenue was ¥1,735 million, up 5.8% year on year, and operating profit was ¥1,207 million, up 17.6%, as the amount of allowance for doubtful accounts recognized in selling, general and administrative expenses decreased from the previous fiscal year.」
The company continued to focus on the individual credit purchase intermediation business, and the financial services business recorded growth in both revenue and operating profit, partly because the amount of allowance for doubtful accounts recognized decreased. - FY2026-H1AdvancedAnnual report
「In the financial services business, we continued, as before, to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants, hereafter referred to as the credit business. As a result, revenue was ¥854 million, up 2.7% year on year. Operating profit was ¥565 million, up 15.1%, as the amount of allowance for doubtful accounts recognized in selling, general and administrative expenses decreased from the previous fiscal year, when it was substantial.」
The company continued to focus on the individual credit purchase intermediation business, and the financial services business recorded growth in both revenue and operating profit, partly because the amount of allowance for doubtful accounts recognized decreased. - FY2025Higher revenue, lower profitAnnual report
「As a result, revenue was ¥1,666 million, up 1.6% year on year, but operating profit was ¥1,027 million, down 10.5%, because the amount of allowance for doubtful accounts recognized in selling, general and administrative expenses was substantial.」
The company continued to focus on the individual credit purchase intermediation business, and although revenue increased, operating profit declined due to an increase in the amount of allowance for doubtful accounts recognized. - FY2025-H1Higher revenue, lower profitAnnual report
「As a result, revenue was ¥831 million, up 2.4% year on year, but operating profit was ¥491 million, down 9.1%, because the amount of allowance for doubtful accounts recognized in selling, general and administrative expenses was substantial.」
The company continued to focus on the individual credit purchase intermediation business, and although revenue increased, operating profit declined due to an increase in the amount of allowance for doubtful accounts recognized. - FY2024RestatedAnnual report
「In the financial services business, we will strengthen the screening system for new merchants and thoroughly manage existing merchants and pursue low-cost operations in the credit business, while thoroughly developing operations and systems that place the protection of consumer interests first.」
The company continues its operating policy of emphasizing screening of new merchants, management of existing merchants, low-cost operations and consumer protection. - FY2024-Q3AdvancedAnnual report
「In the financial services business, we continued, as before, to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants, hereafter referred to as the credit business. As a result, revenue was ¥1,228 million, up 3.0% year on year, and operating profit was ¥860 million, up 5.7%.」
The company continued to focus on the individual credit purchase intermediation business, and the financial services business recorded revenue of ¥1,228 million and operating profit of ¥860 million. - FY2024-Q1AdvancedAnnual report
「In the financial services business, we continued, as before, to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants, hereafter referred to as the credit business. As a result, revenue was ¥404 million, up 6.3% year on year, and operating profit was ¥287 million, up 5.6%.」
The company continued to focus on the individual credit purchase intermediation business, and the financial services business recorded year-on-year growth in both revenue and operating profit. - FY2023RestatedAnnual report
「In the financial services business, we will strengthen the screening system for new merchants and thoroughly manage existing merchants and pursue low-cost operations in the credit business, while thoroughly developing operations and systems that place the protection of consumer interests first.」
The company continues its operating policy of emphasizing screening of new merchants, management of existing merchants, low-cost operations and consumer protection. - FY2023-Q2AdvancedAnnual report
「In the financial services business, we continued, as before, to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants, hereafter referred to as the credit business. As a result, revenue was ¥769 million, up 6.7% year on year, and operating profit was ¥537 million, up 4.2%.」
The company continued to focus on the individual credit purchase intermediation business, and the financial services business recorded year-on-year growth in both revenue and operating profit. - FY2023-Q1AdvancedAnnual report
「In the financial services business, we continued, as before, to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants, hereafter referred to as the credit business. As a result, revenue was ¥381 million, up 7.0% year on year, and operating profit was ¥272 million, up 7.2%.」
The company continued to focus on the individual credit purchase intermediation business, and the financial services business recorded year-on-year growth in both revenue and operating profit. - FY2022RaisedAnnual report
「In the financial services business, we will strengthen our sales efforts to expand the credit business for customers of general merchants.」
In addition to the existing management and operating policy for the individual credit purchase intermediation business, the company has specified that it will strengthen sales efforts to expand the credit business for customers of general merchants. - FY2022-Q3AdvancedAnnual report
「In the financial services business, we continued, as before, to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants. The declarations of a state of emergency and other factors did not have a significant impact on the operations of the company or general merchants. As a result, revenue was ¥1,098 million, up 9.2% year on year, and operating profit was ¥792 million, up 16.4%.」
The company continued to focus on the individual credit purchase intermediation business, and the financial services business recorded year-on-year growth in both revenue and operating profit. - FY2022-Q2Revenue and profit growth in the financial services businessAnnual report
「In the financial services business, we continued, as before, to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants. The declarations of a state of emergency and other factors did not have a significant impact on the operations of the company or general merchants. As a result, revenue was ¥721 million, up 8.1% year on year, and operating profit was ¥515 million, up 13.9%.」
The company continued to focus on the individual credit purchase intermediation business, and the financial services business recorded growth in both revenue and operating profit. - FY2021Profit growth despite a decline in new advancesAnnual report
「New advances in the credit business decreased by approximately ¥708 million from the previous fiscal year, down approximately 10% year on year. As a result, revenue in the financial services business was ¥1,349 million, up 2.1% year on year, and operating profit was ¥902 million, up 3.6%.」
Although new advances declined, both revenue and operating profit in the financial services business exceeded the previous fiscal year. - FY2021-Q3Profit growth despite a decline in new advancesAnnual report
「Due to the impact of declarations of a state of emergency related to the COVID-19 pandemic and other factors on the operations of the company and general merchants, new advances in the credit business decreased by approximately ¥730 million from the same quarter of the previous year. (Note) As a result, revenue was ¥1,005 million, up 2.4% year on year, and operating profit was ¥680 million, up 7.1%.」
While the decline in new advances continued, revenue in the financial services business increased 2.4% year on year and operating profit increased 7.1%. - FY2021-Q2WorsenedAnnual report
「In the financial services business, we continued, as before, to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants, hereafter referred to as the credit business. Due to the impact of declarations of a state of emergency related to the COVID-19 pandemic and other factors on the operations of the company and general merchants, new advances in the credit business decreased by approximately ¥850 million from the same quarter of the previous year. (Note)」
Although operations continued to focus on the individual credit purchase intermediation business, the year-on-year decrease in new advances widened to approximately ¥850 million, from approximately ¥600 million in the previous quarterly report. - FY2021-Q1Decrease in new advancesAnnual report
「In the financial services business, we continued, as before, to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants, hereafter referred to as the credit business. Due to the impact of declarations of a state of emergency related to the COVID-19 pandemic and other factors on the operations of the company and general merchants, new advances in the credit business decreased by approximately ¥600 million from the same quarter of the previous year.」
Although operations continued to focus on the individual credit purchase intermediation business, new advances decreased by approximately ¥600 million year on year due to the impact of declarations of a state of emergency and other factors on merchant operations. - FY2020RestatedAnnual report
「In the financial services business, we will strengthen the screening system for new merchants and thoroughly manage existing merchants and pursue low-cost operations in the credit business, while thoroughly developing operations and systems that place the protection of consumer interests first.」
The company continues its operating policy of emphasizing screening of new merchants, management of existing merchants, low-cost operations and consumer protection. - FY2020-Q3RestatedAnnual report
「In the financial services business, we continued, as before, to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants.」
The financial services business continues to focus primarily on the individual credit purchase intermediation business. - FY2020-Q2RestatedAnnual report
「In the financial services business, we continued to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants.」
The financial services business continues to focus primarily on the individual credit purchase intermediation business. - FY2020-Q1RestatedAnnual report
「In the financial services business, we continued, as before, to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants.」
The financial services business continues to focus primarily on the individual credit purchase intermediation business. - FY2019AdvancedAnnual report
「In the financial services business, we will strengthen the screening system for new merchants and thoroughly manage existing merchants and pursue low-cost operations in the credit business, while thoroughly developing operations and systems that place the protection of consumer interests first.」
In addition to managing existing merchants and pursuing low-cost operations, the company has specified that it will strengthen its screening system for new merchants. - FY2019-Q3RestatedAnnual report
「In the financial services business, we continued to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants.」
The financial services business continues to focus primarily on the individual credit purchase intermediation business. - FY2019-Q2RestatedAnnual report
「In the financial services business, we continued to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants.」
The financial services business continues to focus primarily on the individual credit purchase intermediation business. - FY2019-Q1RestatedAnnual report
「In the financial services business, we continued, as before, to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants.」
The financial services business continues to focus primarily on the individual credit purchase intermediation business. - FY2018-Q3RestatedAnnual report
「In the financial services business, we continued to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants.」
The financial services business continues to focus primarily on the individual credit purchase intermediation business. - FY2018-Q2RestatedAnnual report
「In the financial services business, we continued to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants.」
The financial services business continues to focus primarily on the individual credit purchase intermediation business. - FY2018-Q1RestatedAnnual report
「In the financial services business, we continued to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants.」
The financial services business continues to focus primarily on the individual credit purchase intermediation business. - FY2017-Q3RestatedAnnual report
「In the financial services business, we continued to focus primarily on the individual credit purchase intermediation business for customers of the company and other general merchants.」
The financial services business continues to focus primarily on the individual credit purchase intermediation business. - FY2016First statedAnnual report
「In the financial services business, we will thoroughly manage merchants and pursue low-cost operations in the credit business, while thoroughly developing operations and systems that place the protection of consumer interests first.」
The financial services business identifies merchant management, cost control and consumer protection as operating priorities.