Growth, profitability and equity ratio targets for the fiscal year ending March 2019
First written in FY2017. . Latest entry: FY2020.
No other company in this theme has enough history to compare yet.
- FY2020Update to FY2019 plan and full-year resultsAnnual report
「Fiscal 2019 Plan Actual Credit-related costs/operating revenue (domestic) 7% 7% Credit-related costs/operating revenue (international) 22% 28% Personnel costs/operating revenue (domestic) 15% 15% Personnel costs/operating revenue (international) 14% 14%」
Domestic credit-related costs as a percentage of revenue and personnel costs as a percentage of revenue both domestically and internationally were in line with the plan, while international credit-related costs as a percentage of revenue was 28%, exceeding the planned 22%. - FY2020-Q4Update on variances from the fiscal 2019 third-quarter planAnnual report
「Fiscal 2018 Fiscal 2019 Actual Third-quarter actual Plan Credit costs/revenue (domestic) 7% 7% 7% Credit costs/revenue (international) 23% 31% 22% Personnel costs/revenue (domestic) 16% 15% 15% Personnel costs/revenue (international) 15% 14% 14%」
In the third quarter of fiscal 2019, domestic credit costs/revenue was 7%, in line with the plan, while international credit costs/revenue was 31%, exceeding the planned 22%. Personnel costs/revenue was 15% domestically and 14% internationally, in line with the plan. - FY2020-Q3Update on the fiscal 2019 plan and first-half resultsAnnual report
「Fiscal 2018 Fiscal 2019 Actual Second-quarter actual Plan Credit costs/revenue (domestic) 7% 7% 7% Credit costs/revenue (international) 23% 30% 22% Personnel costs/revenue (domestic) 16% 15% 15% Personnel costs/revenue (international) 15% 14% 14%」
In the first half of fiscal 2019, domestic credit costs/revenue was 7%, in line with the plan, while international credit costs/revenue was 30%, exceeding the planned 22%. Domestic and international personnel costs/revenue were 15% and 14%, respectively. - FY2020-Q2Update on the fiscal 2019 plan and first-quarter resultsAnnual report
「The key performance indicators related to the initiatives above are as follows. Fiscal 2018 Fiscal 2019 Actual First-quarter actual Plan Credit costs/revenue (domestic) 7% 8% 7% Credit costs/revenue (international) 23% 26% 22% Personnel costs/revenue (domestic) 16% 16% 15% Personnel costs/revenue (international) 15% 14% 14%」
Under the fiscal 2019 plan, domestic and international credit costs/revenue were set at 7% and 22%, respectively, while personnel costs/revenue were set at 15% domestically and 14% internationally; first-quarter results were also disclosed. - FY2019Update on next-period targets and annual resultsAnnual report
「Management indicators Target figures (fiscal year ending February 2020) Credit-related costs (credit-related costs/operating revenue) Domestic: 7%, International: 22% Labor distribution ratio (personnel costs/operating revenue) Domestic: 15%, International: 14%」
New targets for credit-related costs and the labor distribution ratio for the fiscal year ending February 2020 were presented. Results for fiscal 2018 were an 8% year-on-year increase in ordinary revenue, international credit costs/revenue of 23%, domestic personnel costs/revenue of 16%, and international personnel costs/revenue of 15%. - FY2019-Q4Updated third-quarter resultsAnnual report
「FY2017 FY2018 Actual Cumulative third-quarter actual Plan Ordinary revenue year on year +9% +9% +8% (Reference) Ordinary revenue ¥407.9 billion ¥324.7 billion ¥440.0 billion Credit-related costs / revenue (international) 24% 23% 20% Personnel expenses / revenue (Japan) 16% 16% 16% Personnel expenses / revenue (international) 15% 15% 11%」
As cumulative results for the first 3 quarters of fiscal 2018, the company disclosed a 9% year-on-year increase in ordinary revenue, ordinary revenue of ¥324.7 billion, international credit costs/revenue of 23%, domestic personnel costs/revenue of 16%, and international personnel costs/revenue of 15%, comparing them with the annual plan. - FY2019-Q3Updated first-half resultsAnnual report
「FY2017 FY2018 Actual First-half actual Plan Ordinary revenue year on year +9% +10% +8% (Reference) Ordinary revenue ¥407.9 billion ¥213.4 billion ¥440.0 billion Credit-related costs / revenue (international) 24% 22% 20% Personnel expenses / revenue (Japan) 16% 16% 16% Personnel expenses / revenue (international) 15% 15% 11%」
The company disclosed first-half FY2018 results of ordinary revenue up 10% year on year, ordinary revenue of ¥213.4 billion, international credit-related costs / revenue of 22%, personnel expenses / revenue in Japan of 16%, and personnel expenses / revenue internationally of 15%, and compared them with the full-year plan. - FY2019-Q2Update to the FY2018 plan and first-quarter resultsAnnual report
「The key performance indicators for the initiatives described above are as follows. FY2017 FY2018 Actual First-quarter actual Plan Ordinary revenue year on year +9% +9% +8% (Reference) Ordinary revenue ¥407.9 billion ¥102.3 billion ¥440.0 billion Credit-related costs / revenue (international) 24% 22% 20% Personnel expenses / revenue (Japan) 16% 17% 16% Personnel expenses / revenue (international) 15% 14% 11%」
The FY2018 plan called for ordinary revenue of ¥440.0 billion, up 8% year on year, international credit-related costs / revenue of 20%, personnel expenses / revenue in Japan of 16%, and personnel expenses / revenue internationally of 11%; first-quarter actual results were also disclosed. - FY2018Additional disclosure of full-year results and plansAnnual report
「Ordinary revenue year on year FY2017 plan +4% Actual +9%, credit-related costs / revenue (international) Plan 23% Actual 24%, personnel expenses / revenue (Japan) Plan 15% Actual 16%, personnel expenses / revenue (international) Plan 13% Actual 15%」
In addition to continuing the targets for the fiscal year ending March 2019, the company disclosed its FY2017 plan and actual results. Ordinary revenue was up 9% year on year, versus the 4% plan, while the international credit-related cost and personnel expense ratios exceeded plan. - FY2017First statedAnnual report
「Management metrics Target Fiscal year ending March 2019 Consolidated ordinary revenue At least 110% of the previous fiscal year Credit-related costs (credit-related costs / ordinary revenue) Overseas: 20% Labor distribution ratio (personnel expenses / ordinary revenue) Japan: 16%, overseas: 11% Equity ratio Maintain at approximately 8%」
Specific targets were set for consolidated ordinary revenue, overseas credit-related costs, the labor distribution ratio in Japan and overseas, and the equity ratio, with the fiscal year ending March 2019 as the target period.