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Presentation materials for financial results8508J Trust Co.,Ltd.Financials (excluding banks)

Supplementary Explanation of Financial Results for the First Quarter of the Fiscal Year Ending December 2026

In the first quarter of the fiscal year ending December 2026, operating revenue increased 1.9% year on year, operating profit increased 66.8%, and profit attributable to owners of the parent increased 714.1%. The Japan Financial Business, Korea Financial Business and Real Estate Business grew, while the Southeast Asia Financial Business reported lower revenue and profit.

Worth reading
73In focus
Scored from 4 of 6 sections
Direction
Improvement
Direction inferred from the company’s description.
Scale
1380
Millions of yen (year-on-year increase in operating profit)
Wording
Avoiding a definitive answer
How definitive the wording is.

Contents of this document

Supplementary materials to the earnings reportFirst quarter of the fiscal year ending December 20266 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales¥31,041 million+1.9%
Operating profit¥3,448 million+66.8%
Ordinary income¥3,765 million +150.5%profit before tax for the quarter
Net income3,352 Millions of yen +714.1%profit for the quarter attributable to owners of the parent
Selling, general and administrative expenses¥9,830 million
Operating profit margin
Rate11.11%
Full-year earnings forecast
Consolidated
Operating revenue
¥130,000 million
Operating profit
¥11,600 million
Restructuring the Japanese Financial Business
Operating revenue
¥20,879 million
Operating profit
¥9,458 million
Korean Financial Business
Operating revenue
¥44,652 million
Operating profit
¥3,842 million
Southeast Asia Financial Business
Operating revenue
¥44,229 million
Operating profit
¥-1,031 million
Real Estate Business
Operating revenue
¥19,578 million
Operating profit
¥1,137 million
Investment Business
Operating revenue
¥412 million
Operating profit
¥374 million
Other Businesses
Operating revenue
¥789 million
Operating profit
¥-187 million
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。
Consolidated
Operating revenue23.9%
Operating profit29.7%
Restructuring the Japanese Financial Business
Operating revenue25.2%
Operating profit27.8%
Korean Financial Business
Operating revenue24.3%
Operating profit21.6%
Southeast Asia Financial Business
Operating revenue22.1%
Real Estate Business
Operating revenue26.5%
Operating profit28.5%
Investment Business
Operating revenue0.2%
Other Businesses
Operating revenue12.9%
What the company explained in this material
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
  • Increase in operating revenue¥564 million
  • Decrease in operating expenses¥1,879 million
  • Increase in selling, general and administrative expenses¥1,262 million
  • Increase in other income and expenses¥199 million
  • Improvement in financial income and expenses¥959 million
  • Decrease in equity-method investment gains and losses¥-78 million
  • Decrease in income tax expense and other expenses¥-850 million
  • Decrease in profit from discontinued operations¥-344 million
New initiatives
  • Credit guarantee service guaranteed balance reaches ¥300 billion
  • Resolution to provide shareholder benefits, including tickets to reserved performances by the Takarazuka Revue
  • Restructuring of the business portfolio through the transfer of shares in TA Asset Management Lending
  • Full-scale promotion of private banking services
  • Expansion of differentiated financial products and enhancement of WEALTH GROWTH functions
  • Development of deposit programs and other initiatives that contribute to environmental protection activities
Key KPIsA metric the company considers important as a management benchmark.
  • Credit guarantee service guaranteed balance3,000 Hundreds of millions of yen
  • Market capitalization¥71,163 million
  • Shares outstanding133,515,915 Shares
  • Share price¥533
  • ROA (annualized)1.04 %
  • ROE (annualized)8.34 %
Segment results
  • Restructuring the Japanese Financial Business
    Operating revenue5,253
    Operating profit2,633
    Operating revenue_yoy_pct23.8
    Operating profit_yoy_pct52.5
  • Korean Financial Business
    Operating revenue10,836
    Operating profit831
    Operating revenue_yoy_pct-0.2
  • Southeast Asia Financial Business
    Operating revenue9,766
    Operating profit489
    Operating revenue_yoy_pct-19
    Operating profit_yoy_pct-45.4
  • Real Estate Business
    Operating revenue5,187
    Operating profit324
    Operating revenue_yoy_pct58.9
  • Investment Business
    Operating revenue0
    Operating profit-23
    Operating revenue_yoy_pct-98.4
  • Other Businesses
    Operating revenue101
    Operating profit-10
    Operating revenue_yoy_pct-35.5
Financial targets
Actual ROA of 1.04% and ROE of 8.34%. Target: Not disclosed
Acquisition of treasury shares
Number of shares acquired990,500 Shares
Acquisition deadline31 March 2026
Contents of this document
ItemDetails
Document typeSupplementary materials to the earnings report
Fiscal Period CoveredFirst quarter of the fiscal year ending December 2026
Net Sales¥31,041 million (YoY +1.9%)
Operating profit¥3,448 million (YoY +66.8%)
Ordinary income¥3,765 million (profit before tax for the quarter) (YoY +150.5%)
Net income3,352 Millions of yen (profit for the quarter attributable to owners of the parent) (YoY +714.1%)
Operating profit marginRate 11.11% / Year-on-year change (points) Not disclosed
Selling, general and administrative expenses¥9,830 million
Full-year earnings forecastConsolidated Operating revenue ¥130,000 million / Operating profit ¥11,600 million / Restructuring the Japanese Financial Business Operating revenue ¥20,879 million / Operating profit ¥9,458 million / Korean Financial Business Operating revenue ¥44,652 million / Operating profit ¥3,842 million / Southeast Asia Financial Business Operating revenue ¥44,229 million / Operating profit ¥-1,031 million / Real Estate Business Operating revenue ¥19,578 million / Operating profit ¥1,137 million / Investment Business Operating revenue ¥412 million / Operating profit ¥374 million / Other Businesses Operating revenue ¥789 million / Operating profit ¥-187 million
Progress against full-year forecastConsolidated Operating revenue 23.9% / Operating profit 29.7% / Restructuring the Japanese Financial Business Operating revenue 25.2% / Operating profit 27.8% / Korean Financial Business Operating revenue 24.3% / Operating profit 21.6% / Southeast Asia Financial Business Operating revenue 22.1% / Operating profit Not disclosed / Real Estate Business Operating revenue 26.5% / Operating profit 28.5% / Investment Business Operating revenue 0.2% / Operating profit Not disclosed / Other Businesses Operating revenue 12.9% / Operating profit Not disclosed
Segment resultsSegment Restructuring the Japanese Financial Business / Operating revenue ¥5,253 million / Operating profit ¥2,633 million / Operating revenue_yoy_pct ¥23.8 million / Operating profit_yoy_pct ¥52.5 million, Segment Korean Financial Business / Operating revenue ¥10,836 million / Operating profit ¥831 million / Operating revenue_yoy_pct ¥-0.2 million / Operating profit_yoy_pct Not disclosed, Segment Southeast Asia Financial Business / Operating revenue ¥9,766 million / Operating profit ¥489 million / Operating revenue_yoy_pct ¥-19 million / Operating profit_yoy_pct ¥-45.4 million, Segment Real Estate Business / Operating revenue ¥5,187 million / Operating profit ¥324 million / Operating revenue_yoy_pct ¥58.9 million / Operating profit_yoy_pct Not disclosed, Segment Investment Business / Operating revenue ¥0 million / Operating profit ¥-23 million / Operating revenue_yoy_pct ¥-98.4 million / Operating profit_yoy_pct Not disclosed, Segment Other Businesses / Operating revenue ¥101 million / Operating profit ¥-10 million / Operating revenue_yoy_pct ¥-35.5 million / Operating profit_yoy_pct Not disclosed
Breakdown of Factors Affecting the ChangeItem Increase in operating revenue / Amount ¥564 million, Item Decrease in operating expenses / Amount ¥1,879 million, Item Increase in selling, general and administrative expenses / Amount ¥1,262 million, Item Increase in other income and expenses / Amount ¥199 million, Item Improvement in financial income and expenses / Amount ¥959 million, Item Decrease in equity-method investment gains and losses / Amount ¥-78 million, Item Decrease in income tax expense and other expenses / Amount ¥-850 million, Item Decrease in profit from discontinued operations / Amount ¥-344 million
Key KPIsIndicator name Credit guarantee service guaranteed balance / Value 3,000 Hundreds of millions of yen / Year on year against the same period last year Not disclosed, Indicator name Market capitalization / Value ¥71,163 million / Year on year against the same period last year Not disclosed, Indicator name Shares outstanding / Value 133,515,915 Shares / Year on year against the same period last year Not disclosed, Indicator name Share price / Value ¥533 / Year on year against the same period last year Not disclosed, Indicator name ROA (annualized) / Value 1.04 % / Year on year against the same period last year Not disclosed, Indicator name ROE (annualized) / Value 8.34 % / Year on year against the same period last year Not disclosed
Financial targetsActual ROA of 1.04% and ROE of 8.34%. Target: Not disclosed
Acquisition of treasury sharesNumber of shares acquired 990,500 Shares / Acquisition deadline 31 March 2026 / Acquisition price Not disclosed
New initiativesCredit guarantee service guaranteed balance reaches ¥300 billion, Resolution to provide shareholder benefits, including tickets to reserved performances by the Takarazuka Revue, Restructuring of the business portfolio through the transfer of shares in TA Asset Management Lending, Full-scale promotion of private banking services, Expansion of differentiated financial products and enhancement of WEALTH GROWTH functions, Development of deposit programs and other initiatives that contribute to environmental protection activities
Items this document does not state (15)
Gross Profit MarginResults for the three months of the current quarterSelf-assessment against the planUnit price and quantity metricsNumber of stores and locationsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookMedium-term management plan targetsAnnual DividendPayout ratioCapital 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.

In the Japan Financial Business, gains from adjustments to the book value of receivables and fees from the credit and installment finance business increased. In the Korea Financial Business, the rise in the NPL receivables sale ratio, lower funding costs and lower provision for allowance for doubtful accounts contributed to results. In the Real Estate Business, sales of newly built condominiums remained firm.

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.
Supplementary Explanation of Financial Results for the First Quarter of the Fiscal Year Ending December 2026 | J Trust Co.,Ltd. (8508) timely disclosure | Komori