Proactive Investment for Further Medium- to Long-Term Growth
First written in FY2017-Q1. 18 of 27 entries say "Restated". Latest entry: FY2026.
The whole theme swung hardest in 2025: 2 of 15 companies on the "Worse" side.
13 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「Capital expenditures by the Anicom Group during the consolidated fiscal year amounted to ¥5,498 million. The main items were the construction and renovation of buildings related to offices and other facilities in the non-life insurance business (¥1,919 million), and the purchase of tools, equipment and fixtures in the veterinary hospital operations business (¥1,693 million).」
The company continued its growth investments, bringing capital expenditures to ¥5,498 million. It invested in buildings for the non-life insurance business and equipment for the veterinary hospital operations business. - 2026-05-12AdvancedResults presentation
「Despite lower profit due to the cost of transferring AXA Direct policies and investment in JARVIS Tokyo, we achieved the plan」
Business investments, including policy transfer costs and investment in JARVIS Tokyo, were incurred, while ordinary income achieved the plan. - FY2026-H1AdvancedAnnual report
「Net cash used in investing activities was ¥4,061 million. This was primarily attributable to expenditures for the acquisition of property, plant and equipment, and represented an increase of ¥2,010 million from the previous interim consolidated accounting period.」
The company continued its growth investments, and cash used in investing activities during the current interim consolidated accounting period amounted to ¥4,061 million. Expenditures for the acquisition of property, plant and equipment were ¥2,031 million. - FY2025AdvancedAnnual report
「Capital expenditures by the Anicom Group during the consolidated fiscal year amounted to ¥1,405 million. The main items were the purchase of tools, fixtures and other equipment in the non-life insurance business (¥123 million), and system development and related expenditures (¥478 million).」
Capital expenditures amounted to ¥1,405 million during the fiscal year, including growth investments such as system development in the non-life insurance business. - FY2025-H1RestatedAnnual report
「Even taking into account aggressive investment to expand the business and the increase in applications for “Doubutsu Kenkatsu” (gut flora testing plus health checkups), the expense ratio on an earned-premium basis improved by 1.3 percentage points year on year to 32.1%.」
The company continues to invest aggressively to expand the business and increase applications for “Doubutsu Kenkatsu.” Despite the continued investment, the expense ratio was 32.1%. - FY2024-Q3RestatedAnnual report
「At the same time, despite continuing aggressive investment to expand the business, expense controls led to the expense ratio on an earned-premium basis improving by 1.7 percentage points year on year to 33.4%.」
The group continues active investments to expand the scale of its pet insurance business while also implementing expense controls. - FY2023AdvancedAnnual report
「Capital expenditures by the Anicom Group during the consolidated fiscal year amounted to ¥913 million. The main items were the purchase of buildings and other assets related to asset management in the non-life insurance business (¥190 million), system development and related expenditures (¥301 million), and the purchase of equipment for veterinary medical institutions in the other business segment, which covers clinical and research activities in the animal healthcare field (¥113 million).」
The company made ¥913 million in capital expenditures during the fiscal year, allocated to buildings and other assets, system development, and equipment for veterinary medical institutions. - FY2023-Q3RestatedAnnual report
「At the same time, despite continuing aggressive investment to expand the business, expense controls led to the expense ratio on an earned-premium basis improving by 2.4 percentage points year on year to 35.1%.」
The group continues active investments to expand the scale of its pet insurance business while also implementing expense controls. - FY2023-Q2RestatedAnnual report
「Despite active investments to expand the scale of the business and an increase in applications for “Doubutsu Kenkatsu” (gut flora measurement plus health checkups), the expense ratio based on earned premiums improved by 2.7 percentage points year on year to 35.3%.」
The group continues active investments to expand the scale of its pet insurance business and the increase in applications for “Doubutsu Kenkatsu.” - FY2023-Q1RestatedAnnual report
「Despite active investments to expand the scale of the business and an increase in applications for “Doubutsu Kenkatsu” (gut flora measurement plus health checkups), the expense ratio based on earned premiums improved by 3.1 percentage points year on year to 35.5%.」
The group continues active investments to expand the scale of the business and the increase in applications for “Doubutsu Kenkatsu.” The expense ratio was 35.5%. - FY2022-Q3RestatedAnnual report
「While continuing active investments to expand the scale of the business, the group also implemented expense controls. As a result, the expense ratio based on earned premiums remained at 37.5%, unchanged from the previous fiscal year.」
The group continues active investments to expand the scale of the business while also implementing expense controls. The expense ratio was 37.5%, unchanged from the previous fiscal year. - FY2022-Q1RestatedAnnual report
「The expense ratio based on earned premiums rose 1.9 percentage points year on year to 38.6%, due to active investments to expand the scale of the business and an increase in applications for “Doubutsu Kenkatsu” (gut flora measurement plus health checkups).」
The group continues active investments to expand the scale of its pet insurance business. The increase in applications for “Doubutsu Kenkatsu” was also cited as a factor behind the higher expense ratio. - FY2021AdvancedAnnual report
「Capital expenditures by Anicom Group during the current consolidated fiscal year totalled ¥1,399 million. Major items included ¥237 million for purchases of buildings and other assets related to asset management and ¥134 million for system development and related expenditures in the non-life insurance business, and ¥503 million for purchases of equipment for veterinary medical institutions in Other, comprising research and clinical operations in veterinary medicine.」
Capital expenditures during the current fiscal year totalled ¥1,399 million, including investments in buildings related to asset management, system development and veterinary medical institution equipment. - FY2021-Q3RestatedAnnual report
「While continuing active investments to expand the scale of the business, the group also implemented expense controls. As a result, the expense ratio based on earned premiums rose 0.2 percentage points year on year to 37.5%.」
The group continues active investments to expand the scale of its pet insurance business while also implementing expense controls. - FY2021-Q2RestatedAnnual report
「While continuing active investments to expand the scale of the business, the group also implemented expense controls, resulting in a 0.6 percentage-point year-on-year decline to 37.2%.」
The group continues active investments to expand the scale of its pet insurance business while also implementing expense controls. - FY2020-Q3RestatedAnnual report
「The expense ratio based on earned premiums rose 3.3 percentage points year on year to 37.3% due to continued active investment to expand the scale of the business.」
The group continues to make active investments to expand the scale of its pet insurance business. The expense ratio was 37.3% due to these investments. - FY2019AdvancedAnnual report
「Capital expenditures by Anicom Group during the current consolidated fiscal year totalled ¥599 million. Major items included ¥33 million for purchases of fixtures and equipment and ¥365 million for system development in the non-life insurance business, and ¥172 million for purchases of equipment for veterinary medical institutions in Other, comprising research and clinical operations in veterinary medicine.」
The group continued its growth investments, with capital expenditures of ¥599 million during the current fiscal year, including ¥365 million for system development and ¥172 million for veterinary medical institution equipment. - FY2019-Q3RestatedAnnual report
「While continuing to invest in expanding the scale of the business, the group reduced some expenses and improved the expense ratio based on earned premiums by 1.4 percentage points year on year to 34.0%.」
The group has reaffirmed its policy of continuing to invest in expanding the scale of its pet insurance business. - FY2019-Q2RestatedAnnual report
「While continuing to invest in expanding the scale of the business, the group reduced some expenses and improved the expense ratio based on earned premiums by 1.6 percentage points year on year to 33.9%.」
The group has reaffirmed its policy of continuing to invest in expanding the scale of its pet insurance business. The improvement in expenses will be recorded in the thread on the expense structure associated with growth investments. - FY2018AdvancedAnnual report
「Capital expenditures by the group during the current consolidated fiscal year totalled ¥911 million. Major items included ¥51 million for purchases of fixtures and equipment and ¥660 million for system development in the non-life insurance business, ¥38 million for system development in the veterinary hospital support business, and ¥73 million for purchases of equipment for veterinary medical institutions in Other, comprising research and clinical operations in veterinary medicine.」
The group continued its growth investments, with capital expenditures of ¥911 million during the current fiscal year, including ¥660 million for system development in the non-life insurance business. - FY2018-Q3RestatedAnnual report
「Although the group has implemented strict expense controls and operational improvements centred on systems, the expense ratio based on earned premiums rose 3.4 percentage points year on year to 35.4%, due to higher agency commissions resulting from stronger new-business sales and investments to expand the scale of the pet insurance business, including increased web advertising. As a result, the combined ratio based on earned premiums rose 3.5 percentage points year on year to 95.6%. The current fiscal year was positioned as a growth investment phase, and results were in line with the plan.」
The group continues to invest in expanding the scale of its pet insurance business, including strengthening new-business sales and web advertising, and maintains its explanation that the current fiscal year is a growth investment phase. - FY2018-Q2RestatedAnnual report
「Although the group has implemented strict expense controls and operational improvements centred on systems, the expense ratio based on earned premiums rose 3.6 percentage points year on year to 35.5%, due to higher agency commissions resulting from stronger new-business sales and investments to expand the scale of the pet insurance business, including increased web advertising.」
The group continues to invest in expanding the scale of its pet insurance business, including strengthening new-business sales and web advertising. - FY2018-Q1RestatedAnnual report
「Although the group has implemented strict expense controls and operational improvements centred on systems, the expense ratio based on earned premiums rose 2.6 percentage points year on year to 35.4%, due to higher agency commissions resulting from stronger new-business sales and investments to expand the scale of the pet insurance business, including increased web advertising.」
The group states that it continues to invest in expanding the scale of its pet insurance business, including strengthening new-business sales and web advertising. - FY2017RestatedAnnual report
「As a result, the combined ratio based on earned premiums improved by 0.2 percentage points year on year to 91.0%, and the profit structure continued to improve even during the phase of continuing growth investments.」
The group continues to describe the current period as a phase of continuing investment for growth. - FY2017-Q3RestatedAnnual report
「The group is making active investments for further medium- to long-term growth funded by pet insurance profits, including the head-office relocation in the third quarter of the previous fiscal year, securing personnel not only in specialist positions but also mainly in sales, and enhancing research facilities.」
The group continues its policy of investing pet insurance profits in its head office, personnel and research facilities. - FY2017-Q2RestatedAnnual report
「Although management efficiency has improved, the expense ratio based on earned premiums rose 3.0 percentage points year on year to 31.9%, as the group continued to make active investments for further medium- to long-term growth funded by pet insurance profits, including the head-office relocation in the third quarter of the previous fiscal year, securing personnel not only in specialist positions but also mainly in sales, and enhancing research facilities.」
The group continues to allocate profits from pet insurance to growth investments in its head office, personnel and research facilities. - FY2017-Q1First statedAnnual report
「The group is making active investments for further medium- to long-term growth, funded by profits from its pet insurance business.」
Profits from pet insurance are being allocated to growth investments, including relocating the head office, securing personnel and enhancing research facilities.