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Jaccs (8584) · InitiativeDomestic revenue growth and profit decline occurring together

Strengthening the Earnings Base Through Innovation of Existing Businesses

First written in FY2016. 24 of 29 entries say "Advanced", first in FY2018. Latest entry: FY2026.

29entries
11years
1from disclosures
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How it moved
ProgressHeldSoftenedWorseFirst statedFY2016AdvancedFY2018 – FY2024OtherFY2025-H1 – FY2026-H12016: 120162017: 020172018: 220182019: 320192020: 420202021: 420212022: 420222023: 420232024: 320242025: 220252026: 22026
Same theme, other companies
Stabilizing the Revenue BaseA theme 95 companies write about · 0 as a headwind · 96 as a tailwind

6 other companies' latest entry also says "Other".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Showing 14 of the 95 companies compared. The sentences above are computed from all 95.
Full recordFilings, disclosures and news, newest first
  1. FY2026Domestic revenue growth and profit decline occurring togetherAnnual report

    「As a result, domestic business segment transaction volume was ¥5.767623 trillion, up 2.6% year on year, segment operating revenue was ¥170.415 billion, up 3.3%, and segment profit was ¥22.888 billion, down 21.6%.」

    Domestic business transaction volume and operating revenue increased, while segment profit declined 21.6% year on year.
  2. 2026-05-15AdvancedEarnings

    「In the credit business, transaction volume increased as housing-related products remained firm and initiatives in auto loans proved effective. In the payment and finance businesses, continued stable transactions with existing partners contributed to growth in transaction volume.」

    In the domestic business, housing-related products, auto loans and expanded transactions with existing partners contributed to higher transaction volume.
  3. FY2026-H1Continued impact of interest rate increases and the suspension of certain industriesAnnual report

    「However, transaction volume declined due to the continued impact of interest rate increases implemented by the previous fiscal year and earlier, as well as the suspension of business with certain industries.」

    In the domestic credit business, interest rate increases through the previous fiscal year and the suspension of business with certain industries continued to be cited as factors behind the decline in transaction volume.
  4. FY2025Continued decline in transaction volume due to interest rate increases and discontinuation of low-margin productsAnnual report

    「However, transaction volume and operating revenue declined due to the discontinuation of certain low-margin products and the implementation of interest rate increases.」

    While continuing to discontinue low-margin products and raise interest rates, the credit business saw transaction volume and operating revenue decline.
  5. FY2025-H1Decline in transaction volume due to discontinuation of low-margin products and interest rate increasesAnnual report

    「In the credit business, the handling of certain low-margin products was discontinued in October 2023, and interest rates were subsequently increased. This slowed credit applications and reduced transaction volume.」

    The credit business discontinued certain low-margin products and raised interest rates, resulting in slower applications and lower transaction volume.
  6. FY2024AdvancedAnnual report

    「Domestic business segment transaction volume was ¥5.764588 trillion, up 3.8% year on year, segment operating revenue was ¥158.802 billion, up 5.1%, and segment profit was ¥33.348 billion, up 12.9%.」

    In the domestic business, initiatives based on each business strategy were implemented, and transaction volume, operating revenue and profit all exceeded the previous year.
  7. FY2024-Q3AdvancedAnnual report

    「During the nine months ended 31 December of the current fiscal year, the reclassification of COVID-19 to Class 5 in May 2023 supported the normalization of socioeconomic activity, and each domestic business focused on various initiatives, resulting in higher transaction volume. The credit business also worked to strengthen its earnings base, including by raising interest rates at some member merchants. As a result, domestic business segment transaction volume was ¥4.357903 trillion, up 6.7% year on year, segment operating revenue was ¥119.894 billion, up 6.2%, and segment profit was ¥27.160 billion, up 12.5%.」

    As a result of implementing initiatives across the domestic businesses and strengthening the earnings base, including interest rate increases at some member merchants, domestic business transaction volume, operating revenue and profit exceeded the previous year.
  8. FY2024-Q2AdvancedAnnual report

    「In the domestic business, initiatives aligned with market needs were implemented, led by the credit business, and transaction volume remained strong. As a result, domestic business segment transaction volume was ¥2.946458 trillion, up 10.3% year on year, segment operating revenue was ¥79.668 billion, up 6.7%, and segment profit was ¥18.270 billion, up 22.7%.」

    In the domestic business, initiatives aligned with market needs were implemented, and transaction volume, operating revenue and segment profit exceeded the previous year.
  9. FY2024-Q1AdvancedAnnual report

    「As a result, domestic business segment transaction volume was ¥1.496134 trillion, up 12.9% year on year, segment operating revenue was ¥40.557 billion, up 8.7%, and segment profit was ¥11.148 billion, up 36.7%.」

    Domestic business transaction volume, operating revenue and segment profit all exceeded the previous year, with segment profit particularly strong at 36.7% growth.
  10. FY2023AdvancedAnnual report

    「As a result, domestic business segment transaction volume was ¥5.5558 trillion, up 6.4% year on year, segment operating revenue was ¥151.061 billion, up 3.5%, and segment profit was ¥29.525 billion, up 12.8%.」

    For the full fiscal year, domestic business transaction volume, operating revenue and profit all exceeded the previous year, with segment profit up 12.8% year on year.
  11. FY2023-Q3AdvancedAnnual report

    「As a result, domestic business segment transaction volume was ¥4.085005 trillion, up 4.6% year on year, segment operating revenue was ¥112.925 billion, up 3.2%, and segment profit was ¥24.138 billion, up 12.2%.」

    Domestic business transaction volume, operating revenue and segment profit all exceeded the previous year, with segment profit up 12.2% year on year.
  12. FY2023-Q2AdvancedAnnual report

    「As a result, domestic business segment transaction volume was ¥2.672477 trillion, up 3.1% year on year, segment operating revenue was ¥74.644 billion, up 2.9%, and segment profit was ¥14.891 billion, up 11.5%.」

    Domestic business transaction volume, operating revenue and profit all exceeded the previous year, with segment profit up 11.5% year on year.
  13. FY2023-Q1AdvancedAnnual report

    「In the domestic business, transaction volume increased, driven by the credit business. As a result, domestic business segment transaction volume was ¥1.325763 trillion, up 1.4% year on year, segment operating revenue was ¥37.296 billion, up 2.7%, and segment profit was ¥8.153 billion, up 19.7%.」

    The credit business drove domestic business, and transaction volume, operating revenue and segment profit all exceeded the previous year.
  14. FY2022AdvancedAnnual report

    「As a result, domestic business segment transaction volume was ¥5.221113 trillion, up 5.9% year on year, segment operating revenue was ¥145.970 billion, up 2.9%, and segment profit was ¥26.180 billion, up 32.8%.」

    Domestic business transaction volume, operating revenue and segment profit all increased, with segment profit up 32.8% year on year.
  15. FY2022-Q3AdvancedAnnual report

    「As a result, domestic business segment transaction volume was ¥3.903994 trillion, up 7.1% year on year, segment operating revenue was ¥109.451 billion, up 3.1%, and segment profit was ¥21.515 billion, up 31.0%.」

    Domestic business transaction volume, operating revenue and segment profit all exceeded the previous year, with segment profit up 31.0% year on year.
  16. FY2022-Q2AdvancedAnnual report

    「As a result, domestic business segment transaction volume was ¥2.592443 trillion, up 9.4% year on year, segment operating revenue was ¥72.565 billion, up 3.2%, and segment profit was ¥13.353 billion, up 29.4%.」

    Domestic business transaction volume, operating revenue and segment profit all increased, with segment profit up 29.4% year on year.
  17. FY2022-Q1AdvancedAnnual report

    「As a result, domestic business segment transaction volume was ¥1.307540 trillion, up 14.8% year on year, segment operating revenue was ¥36.303 billion, up 4.1%, and segment profit was ¥6.810 billion, up 35.6%.」

    Domestic business transaction volume, operating revenue and segment profit all exceeded the previous year, with segment profit particularly strong at 35.6% growth year on year.
  18. FY2021AdvancedAnnual report

    「As a result, domestic business segment transaction volume was ¥4.929607 trillion, up 0.3% year on year, segment operating revenue was ¥141.897 billion, up 1.7%, and segment profit was ¥19.719 billion, up 22.6%.」

    For the full fiscal year, domestic business transaction volume, operating revenue and segment profit all exceeded the previous year.
  19. FY2021-Q3AdvancedAnnual report

    「As a result, domestic business segment transaction volume was ¥3.645446 trillion, down 0.3% year on year, segment operating revenue was ¥106.180 billion, up 1.9%, and segment profit was ¥16.421 billion, up 30.2%.」

    Domestic business transaction volume declined 0.3% year on year, while operating revenue increased 1.9% and segment profit increased 30.2%.
  20. FY2021-Q2AdvancedAnnual report

    「As a result, domestic business segment transaction volume was ¥2.369672 trillion, down 3.4% year on year, segment operating revenue was ¥70.329 billion, up 2.3%, and segment profit was ¥10.323 billion, up 24.2%.」

    Although domestic business transaction volume declined 3.4% year on year, operating revenue increased 2.3% and segment profit increased 24.2%.
  21. FY2021-Q1AdvancedAnnual report

    「As a result, domestic business segment transaction volume was ¥1.139280 trillion, down 5.6% year on year, segment operating revenue was ¥34.887 billion, up 2.8%, and segment profit was ¥5.023 billion, up 29.5%.」

    Although domestic business transaction volume declined, operating revenue increased 2.8% and segment profit increased 29.5% year on year.
  22. FY2020AdvancedAnnual report

    「Domestic business segment transaction volume was ¥4.914008 trillion, up 9.5% year on year, segment operating revenue was ¥139.513 billion, up 7.1%, and segment profit was ¥16.086 billion, up 14.4%.」

    Transaction volume, operating revenue and profit in the domestic business increased year on year.
  23. FY2020-Q3AdvancedAnnual report

    「As a result, domestic segment transaction volume was ¥3.655785 trillion, up 10.0% year on year, segment operating revenue was ¥104.224 billion, up 7.4%, and segment profit was ¥12.615 billion, up 15.4%.」

    Domestic transaction volume, operating revenue and segment profit all increased year on year.
  24. FY2020-Q2AdvancedAnnual report

    「As a result, domestic segment transaction volume was ¥2.454123 trillion, up 12.5% year on year, segment operating revenue was ¥68.779 billion, up 7.4%, and segment profit was ¥8.313 billion, up 15.6%.」

    Domestic transaction volume, operating revenue and segment profit all increased year on year.
  25. FY2020-Q1AdvancedAnnual report

    「As a result, domestic segment transaction volume was ¥1.206679 trillion, up 10.5% year on year, segment operating revenue was ¥33.922 billion, up 6.7%, and segment profit was ¥3.880 billion, up 9.8%.」

    Transaction volume, operating revenue and profit in the existing domestic business all increased year on year.
  26. FY2019-Q3AdvancedAnnual report

    「As a result, domestic segment transaction volume was ¥3.322383 trillion, up 9.2% year on year, segment operating revenue was ¥97.034 billion, up 5.2%, and segment profit was ¥10.928 billion, up 5.8%.」

    The disclosure states that transaction volume, operating revenue and profit in the existing domestic business all increased year on year.
  27. FY2019-Q2AdvancedAnnual report

    「Shopping credit transaction volume increased as major sectors such as motorcycles and luxury watches performed steadily and housing-related products gained momentum.」

    In the existing shopping-credit business, transaction volume increased as housing-related products grew in addition to motorcycles and luxury watches.
  28. FY2018AdvancedAnnual report

    「Transaction volume in the credit business increased as major sectors, including housing-related products, luxury watches, home appliances and motorcycles, as well as imported vehicles, used vehicles and auto leasing, performed strongly.」

    The disclosure states that the existing credit business saw strong performance across multiple major sectors and channels, resulting in higher transaction volume.
  29. FY2016First statedAnnual report

    「• Strengthening the earnings base through innovation in existing businesses」

    The company indicated a policy of innovating its existing businesses and strengthening its earnings base.
Moved together

"Expanding the earnings base with a focus on consolidated management" moved the same way as this thread, in the same document, in 20 of its 29 moves.

201714131111★123456
  1. ★This thread
  2. 1Expanding the earnings base with a focus on consolidated management20×
  3. 2Diversification of the earnings base through new businesses and overseas operations17×
  4. 3Diversification of Funding Sources and Liquidity Management through ALM14×
  5. 4Expansion of Auto Loan and Individual Credit Sales Channels13×
  6. 5Diversification of housing-related products in response to sluggish solar loan performance11×
  7. 6Expansion of Personal-Loan Guarantees with Financial Institutions11×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

When this could move next
Jaccs's next results are scheduled for 2026-11-05. Read the earnings preview It last moved in the Earnings of 2026-05-15: "Advanced".
News
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Strengthening the Earnings Base Through Innovation of Existing Businesses | JACCS CO.,LTD. (8584) | Komori