Worth reading
70In focus
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Improvement
Direction inferred from the company’s description.Scale
300
Hundreds of millions of yenWording
Conditional
How definitive the wording is.Items stated in the management plan
FormulatedNet income for the current fiscal year+9,118.2%
基準 22Target2,028Hundreds of millions of yen
ROE+2,020.0pt
基準 8Target2,028％
Each line is the climb from the baseline the document states to the target it sets. The slope is scaled against the largest climb in this document. For metrics expressed as percentages, differences are shown in percentage points (pt).The increase shown by the dotted line is calculated from the two reported figures because the company did not provide the amount of growth.
What happened to the previous plan¥22 billion or more (previous target under the Fifth Medium-Term Management Plan Plus) → ¥16.5 billion (FY25 estimate)+13.6%Calculated from the two disclosed figures
Statements about the use of capital
Payout ratio / DOE policyA payout ratio of 40% as a guideline. The Company will pay progressive dividends in line with profit growth. The applicable period is Not disclosed.The payout ratio is the proportion of profit paid out as dividends, while DOE is the ratio of dividends to net assets.
Treasury share acquisition policyThe Company will repurchase its own shares flexibly. The repurchase limit, specific timing and conditions are Not disclosed.
Key initiatives
01Pursuit of community-based solution-oriented sales
02Diversifying the Earnings Structure
03Development of sustainability- and local-issue-focused finance
04Promotion of human capital management and organizational transformation
05Promotion of the digital strategy and productivity improvement
06Initiatives to enhance corporate value
Plan assumptionsPolicy interest rate of 1.25% in fiscal 2028 (currently 0.75%).
Segment targetApproximately ¥750 billion (FY25 estimate) → ¥1 trillion (FY28), ¥4.6 billion (FY25 estimate) → ¥5.6 billion (FY28), ¥600 million (FY25 estimate) → ¥2 billion (FY28), ¥23.5 billion (FY25 estimate) → ¥74.5 billion (FY28), ¥800 million (FY25 estimate) → ¥4 billion (FY28)
Non-financial targetsIndicator Corporate sales personnel / Target value Increase of 40 people (220 → 260) / Timing Not disclosed
Size of the Target Marketnot_stated
Risks identified by the company
Population decline
Labor Shortages
Intensifying competition accompanying the transition to a world with interest rates
Geopolitical risk
Decline in the number of companies
Declining birth rate and aging population
Decline in the working-age population
Competition for talent
Response to decarbonization and ESG
Changes in the operating environment resulting from the spread of generative AI and robots
The possibility that the plan or its assumptions may become inaccurate in the future or may not be realized
| Item | Details |
|---|---|
| Plan name | Long-Term Management Strategy / Sixth Medium-Term Management Plan: “Opening a New Stage Through Our Purpose: Moving Quickly, Going Deeper, Advancing Together” |
| Plan period | The next 10 years (Long-Term Management Strategy); fiscal 2026 through fiscal 2028 (3 years) (Sixth Medium-Term Management Plan) |
| Progress against the plan | Formulated |
| Net income target | ¥22 billion or more (previous target) → ¥30 billion (fiscal 2028) |
| ROE target | 8% or more (previous target) → 10% (fiscal 2028) |
| Payout ratio / DOE policy | A payout ratio of 40% as a guideline. The Company will pay progressive dividends in line with profit growth. The applicable period is Not disclosed. |
| Treasury share acquisition policy | The Company will repurchase its own shares flexibly. The repurchase limit, specific timing and conditions are Not disclosed. |
| Segment target | Approximately ¥750 billion (FY25 estimate) → ¥1 trillion (FY28), ¥4.6 billion (FY25 estimate) → ¥5.6 billion (FY28), ¥600 million (FY25 estimate) → ¥2 billion (FY28), ¥23.5 billion (FY25 estimate) → ¥74.5 billion (FY28), ¥800 million (FY25 estimate) → ¥4 billion (FY28) |
| Non-financial targets | Indicator Corporate sales personnel / Target value Increase of 40 people (220 → 260) / Timing Not disclosed |
| Plan assumptions | Policy interest rate of 1.25% in fiscal 2028 (currently 0.75%). |
| Key initiatives | Pursuit of community-based solution-oriented sales, Diversifying the Earnings Structure, Development of sustainability- and local-issue-focused finance, Promotion of human capital management and organizational transformation, Promotion of the digital strategy and productivity improvement, Initiatives to enhance corporate value |
| Results under the previous plan | ¥22 billion or more (previous target under the Fifth Medium-Term Management Plan Plus) → ¥16.5 billion (FY25 estimate) |
| Size of the Target Market | not_stated |
| Risks identified | Population decline, Labor Shortages, Intensifying competition accompanying the transition to a world with interest rates, Geopolitical risk, Decline in the number of companies, Declining birth rate and aging population, Decline in the working-age population, Competition for talent, Response to decarbonization and ESG, Changes in the operating environment resulting from the spread of generative AI and robots, The possibility that the plan or its assumptions may become inaccurate in the future or may not be realized |
| Publication date | 30 March 2026 |
Items this document does not state (10)
Sales TargetOperating profit targetOperating profit margin targetROIC targetCost of capitalSelf-assessment of PBR and share priceTotal investment planInvestment amount by sectorReason for revision or withdrawalDate of board resolution
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.Against a backdrop of expected intensifying competition due to population decline, labor shortages and the transition to a world with interest rates, the Company aims to strengthen its ability to respond to change, contribute to local communities, achieve sustainable profit growth and further reinforce the confidence of its stakeholders.
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.