Worth reading
68In focus
Scored from 3 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
2707
¥ million (year-on-year change in operating income)Wording
Conditional
How definitive the wording is.Contents of this document
Supplementary materials to the earnings reportSecond quarter (interim period) of the fiscal year ending December 20264 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales¥62,405 million+3.1%
Operating profit¥7,286 million+59.1%
Net income6,128 Millions of yen +340.9%profit for the quarter attributable to owners of the parent
Selling, general and administrative expenses¥19,125 million
Operating profit margin
Rate11.7%
Full-year earnings forecast
Operating revenue
¥130,000 million
Operating profit
¥11,600 million
Japan financial business operating revenue
¥20,879 million
Japan financial business operating profit
¥9,458 million
South Korea financial business operating revenue
¥44,652 million
South Korea financial business operating profit
¥3,842 million
Southeast Asia financial business operating revenue
¥44,229 million
Southeast Asia financial business operating profit
¥-1,031 million
Real estate business operating revenue
¥19,578 million
Real estate business operating profit
¥1,137 million
Investment business operating revenue
¥412 million
Investment business operating profit
¥374 million
Operating revenue from Other business
¥789 million
Operating income from Other business
¥-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。
Restructuring the Japanese Financial Business
Operating revenue51.6
Operating profit54.5
Korean Financial Business
Operating revenue49
Operating profit39.7
Southeast Asia Financial Business
Operating revenue46
Real Estate Business
Operating revenue47.2
Operating profit93.9
Investment Business
Operating revenue14.2
Other Businesses
Operating revenue40.8
Consolidated
Operating revenue48
Operating profit62.8
What the company explained in this material
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
Operating revenueIncrease in fees received from financial services in the Japan financial business, increase in foreign exchange trading and translation gains in the Southeast Asia financial business, increase in sales revenue in the real estate business, and decreases in interest income on loans, interest income on deposits and collection income from purchased receivables in the Southeast Asia financial business
Operating ExpensesIncrease in cost of sales in the real estate business, decreases in interest expense on deposits, losses on sales of receivables and provisions for doubtful accounts in the South Korea financial business, and decrease in interest expense on deposits in the Southeast Asia financial business
Operating profitHigher profits in the Japan and South Korea financial businesses and the real estate business, and lower profits in the Southeast Asia financial business and investment business
New initiatives
- Execution of a comprehensive guarantee agreement with The Yamanashi Chuo Bank for funds to purchase overseas real estate, and commencement of guarantee services
- Launch of the bond-collateralized FX service “WEALTH FX” by J Trust Global Securities
- Shareholder benefit of an exclusive Takarazuka Revue performance
- Special shareholder benefit of a digital gift worth up to ¥10,000
- Shareholder benefit vouchers for eligible clinics
Key KPIsA metric the company considers important as a management benchmark.
- Nippon Guarantee credit guarantee service guarantee balance¥3,000 million
- J Trust Global Securities assets under custody¥5,000 million
- ROA (annualized)0.95%
- ROE (annualized)7.60%
Segment results
Restructuring the Japanese Financial Business
Operating revenue
¥10,777 million+19.7%
Operating profit
¥5,157 million+45.5%
Korean Financial Business
Operating revenue
¥21,859 million+1.1%
Operating profit
¥1,524 million+204.8%
Southeast Asia Financial Business
Operating revenue
¥20,339 million-12.6%
Operating profit
¥1,284 million-17.8%
Real Estate Business
Operating revenue
¥9,247 million+41.3%
Operating profit
¥1,067 million
Investment Business
Operating revenue
¥58 million-39.8%
Operating profit
¥-473 million
Other Businesses
Operating revenue
¥322 million+13.7%
Operating profit
¥-10 million
| Item | Details |
|---|---|
| Document type | Supplementary materials to the earnings report |
| Fiscal Period Covered | Second quarter (interim period) of the fiscal year ending December 2026 |
| Net Sales | ¥62,405 million (YoY +3.1%) |
| Operating profit | ¥7,286 million (YoY +59.1%) |
| Net income | 6,128 Millions of yen (profit for the quarter attributable to owners of the parent) (YoY +340.9%) |
| Operating profit margin | Rate 11.7% / Year-on-year change (points) Not disclosed |
| Selling, general and administrative expenses | ¥19,125 million |
| Full-year earnings forecast | Operating revenue ¥130,000 million / Operating profit ¥11,600 million / Japan financial business operating revenue ¥20,879 million / Japan financial business operating profit ¥9,458 million / South Korea financial business operating revenue ¥44,652 million / South Korea financial business operating profit ¥3,842 million / Southeast Asia financial business operating revenue ¥44,229 million / Southeast Asia financial business operating profit ¥-1,031 million / Real estate business operating revenue ¥19,578 million / Real estate business operating profit ¥1,137 million / Investment business operating revenue ¥412 million / Investment business operating profit ¥374 million / Operating revenue from Other business ¥789 million / Operating income from Other business ¥-187 million |
| Progress against full-year forecast | Restructuring the Japanese Financial Business Operating revenue 51.6 / Operating profit 54.5 / Korean Financial Business Operating revenue 49 / Operating profit 39.7 / Southeast Asia Financial Business Operating revenue 46 / Operating profit Not disclosed / Real Estate Business Operating revenue 47.2 / Operating profit 93.9 / Investment Business Operating revenue 14.2 / Operating profit Not disclosed / Other Businesses Operating revenue 40.8 / Operating profit Not disclosed / Consolidated Operating revenue 48 / Operating profit 62.8 |
| Segment results | Restructuring the Japanese Financial Business Operating revenue ¥10,777 million (YoY +19.7%) / Operating profit ¥5,157 million (YoY +45.5%) / Korean Financial Business Operating revenue ¥21,859 million (YoY +1.1%) / Operating profit ¥1,524 million (YoY +204.8%) / Southeast Asia Financial Business Operating revenue ¥20,339 million (YoY -12.6%) / Operating profit ¥1,284 million (YoY -17.8%) / Real Estate Business Operating revenue ¥9,247 million (YoY +41.3%) / Operating profit ¥1,067 million / Investment Business Operating revenue ¥58 million (YoY -39.8%) / Operating profit ¥-473 million / Other Businesses Operating revenue ¥322 million (YoY +13.7%) / Operating profit ¥-10 million |
| Breakdown of Factors Affecting the Change | Operating revenue Increase in fees received from financial services in the Japan financial business, increase in foreign exchange trading and translation gains in the Southeast Asia financial business, increase in sales revenue in the real estate business, and decreases in interest income on loans, interest income on deposits and collection income from purchased receivables in the Southeast Asia financial business / Operating Expenses Increase in cost of sales in the real estate business, decreases in interest expense on deposits, losses on sales of receivables and provisions for doubtful accounts in the South Korea financial business, and decrease in interest expense on deposits in the Southeast Asia financial business / Operating profit Higher profits in the Japan and South Korea financial businesses and the real estate business, and lower profits in the Southeast Asia financial business and investment business |
| Key KPIs | Indicator name Nippon Guarantee credit guarantee service guarantee balance / Value ¥3,000 million / Year on year against the same period last year Not disclosed, Indicator name J Trust Global Securities assets under custody / Value ¥5,000 million / Year on year against the same period last year Not disclosed, Indicator name ROA (annualized) / Value 0.95% / Year on year against the same period last year Not disclosed, Indicator name ROE (annualized) / Value 7.60% / Year on year against the same period last year Not disclosed |
| New initiatives | Execution of a comprehensive guarantee agreement with The Yamanashi Chuo Bank for funds to purchase overseas real estate, and commencement of guarantee services, Launch of the bond-collateralized FX service “WEALTH FX” by J Trust Global Securities, Shareholder benefit of an exclusive Takarazuka Revue performance, Special shareholder benefit of a digital gift worth up to ¥10,000, Shareholder benefit vouchers for eligible clinics |
Items this document does not state (18)
Ordinary incomeGross 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 targetsFinancial targetsAnnual DividendPayout ratioAcquisition 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.In the Japan financial business, fees received from financial services in the securities business and revenue from debt collection and consumer credit increased. In the South Korea financial business, profit increased due to lower funding interest rates and declines in losses on sales of receivables and provisions for doubtful accounts. In the real estate business, sales of newly built condominiums remained strong, and gains on sales of fixed assets also contributed. By contrast, profit in the Southeast Asia financial business declined due to decreases in lending rates, the balance of loans, the balance of deposits and collection income from purchased receivables, among other factors. Profit in the investment business declined due to an increase in litigation expenses, among other factors.
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.