Business Portfolio Management Based on Risk–Return and Cost–Return Metrics
First written in FY2023. 5 of 7 entries say "Advanced", first in FY2024-Q2. Latest entry: 2026-07-31.
The whole theme swung hardest in 2021: 4 of 10 companies on the "Worse" side.
23 other companies' latest entry also says "Advanced".
- 2026-07-31AdvancedEarnings
「Operating revenue increased year on year due to the pass-through of prices in the individual installment finance business and growth in transaction volume in the card and loan businesses. Ordinary profit, however, decreased year on year because of higher financial expenses resulting from rising market interest rates and other factors. We will continue to expand digital installment finance and consumer auto leasing, both growth areas, and deepen business structure reform centered on the individual installment finance business.」
The company presents price pass-through in the individual installment finance business, higher financial expenses resulting from rising market interest rates, expansion of digital installment finance and consumer auto leasing, and deeper business structure reform as an integrated set of initiatives. - FY2026AdvancedAnnual report
「The fiscal year ending March 2027 is positioned as a year in which we will aim to complete business structural reform and solidify the foundation for our growth strategy, focusing on the following measures.」
Portfolio management based on risk-return and cost-return has been translated into specific measures for completing business structural reform, reallocating resources to growth areas and responding to rising interest rates in the fiscal year ending March 2027. - 2026-05-15AdvancedEarnings
「The human resources made available through digitalization will be strategically reallocated to growth areas, and we will shift them to higher-value-added work, thereby strengthening the competitiveness of the Group as a whole and contributing to sustained enhancement of corporate value.」
The company presented the reallocation of human resources created through business structure reform to growth areas as a specific measure for the next fiscal year. - FY2026-H1AdvancedAnnual report
「For the fiscal year ending March 2026, as an important year marking the first year of the Medium-Term Management Plan, we will work on business structural reform, direct the management resources generated thereby to growth areas, and focus on strengthening business foundations that provide competitive advantages.」
As specific first-year measures under portfolio management based on risk-return and cost-return, business structural reform and the allocation of management resources to growth areas have been set out. - FY2024-Q2AdvancedAnnual report
「We are implementing various measures, including interest rate increases, while conducting a comprehensive review of sales activities, management systems and other aspects in preparation for structural reform of the individual installment sales business.」
Specific measures for the structural reform of the individual installment sales business, including a comprehensive review of sales activities and the management system and interest rate increases, have been put into action. - FY2024-Q1RaisedAnnual report
「As the business environment continues to become more challenging, as described above, we will further strengthen business portfolio management based on risk-return and cost-return and accelerate a fundamental review of the business structure in areas requiring improvement, including the individual installment sales business.」
The policy has been strengthened to further enforce portfolio management based on risk-return and cost-return and accelerate a structural review of businesses including the individual installment sales business. - FY2023First statedAnnual report
「We formulate our business strategy under a business portfolio management framework based on risk-return and cost-return, with the aim of developing our businesses in a focused manner that reflects their profitability and growth potential.」
Business portfolio management based on risk-return and cost-return has been explicitly identified as a new management framework, reflecting business profitability and growth potential.