Worth reading
45Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Deterioration
Direction inferred from the company’s description.Scale
-140
Hundreds of millions of yenWording
Conditional
How definitive the wording is.Items stated in the management plan
WithdrawnNet Sales2,045 Hundreds of millions of yen → Withdrawn
Net income for the current fiscal year230 Hundreds of millions of yen → Withdrawn
Only the target level is shown because the current level for comparison was not provided.Statements about the use of capital
Payout ratio / DOE policyA DOE (dividend on equity ratio) of 3.0% or a dividend payout ratio of 40%, whichever is higher, as a guideline. This policy remains unchanged under the Medium-Term Management Plan (FY2025–FY2027).The payout ratio is the proportion of profit paid out as dividends, while DOE is the ratio of dividends to net assets.
Key initiatives
01Accelerate the three key strategies and collaboration with the MUFG Group
02Implement measures to address issues
03Pursue structural reforms in each business division
Risks identified by the company
Financial expenses resulting from higher funding costs
Higher costs, including system-related expenses associated with the change in data center relocation method
Delayed recovery of performance in Indonesia
Reason for revision or withdrawal
The Company expects a divergence between the formulated financial targets and the outlook for the second year onward, due to higher costs including financial expenses resulting from higher funding costs and system-related expenses associated with the change in data center relocation method, as well as the delayed recovery of performance in Indonesia.
| Item | Details |
|---|---|
| Plan name | Three-Year Medium-Term Management Plan (FY2025–FY2027) |
| Plan period | FY2025-FY2027 |
| Progress against the plan | Withdrawn |
| Sales Target | 2,045 Hundreds of millions of yen → Withdrawn |
| Net income target | 230 Hundreds of millions of yen → Withdrawn |
| Payout ratio / DOE policy | A DOE (dividend on equity ratio) of 3.0% or a dividend payout ratio of 40%, whichever is higher, as a guideline. This policy remains unchanged under the Medium-Term Management Plan (FY2025–FY2027). |
| Key initiatives | Accelerate the three key strategies and collaboration with the MUFG Group, Implement measures to address issues, Pursue structural reforms in each business division |
| Reason for revision or withdrawal | The Company expects a divergence between the formulated financial targets and the outlook for the second year onward, due to higher costs including financial expenses resulting from higher funding costs and system-related expenses associated with the change in data center relocation method, as well as the delayed recovery of performance in Indonesia. |
| Risks identified | Financial expenses resulting from higher funding costs, Higher costs, including system-related expenses associated with the change in data center relocation method, Delayed recovery of performance in Indonesia |
| Date of board resolution | 15 May 2026 |
| Publication date | 15 May 2026 |
Items this document does not state (14)
Operating profit targetOperating profit margin targetROE targetROIC targetTreasury share acquisition policyCost of capitalSelf-assessment of PBR and share priceTotal investment planInvestment amount by sectorSegment targetNon-financial targetsPlan assumptionsResults under the previous planSize of the Target Market
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 Company expects a divergence between the formulated financial targets and the outlook for the second year onward, due to higher costs including financial expenses resulting from higher funding costs and system-related expenses associated with the change in data center relocation method, as well as the delayed recovery of performance in Indonesia.
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.