Worth reading
53Recurring
Scored from 5 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
629
Millions of yen (year-on-year improvement in operating income (loss))Wording
Conditional
How definitive the wording is.Contents of this document
Presentation materials for financial resultsSecond quarter of the fiscal year ending September 20266 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Net Sales¥3,406 million+9.2%
Operating profit¥18 million
Ordinary income¥-16 million
Net income¥-31 million
Gross Profit Margin
Rate77.3%
Year-on-year change (points)+0.2 percentage points
Operating profit margin
Rate0.5%
Year-on-year change (points)+20.1 percentage points (−19.6% in the same period of the previous year)
Full-year earnings forecast
Net Sales
¥7,950 million
Operating profit (loss)
¥650 million
Ordinary profit or loss
¥550 million
Net income (loss) for the current fiscal year
¥450 million
What the company explained in this material
New initiatives
- Expansion of social media video marketing
- Automating inquiry handling with generative AI
- Initial interviews for insurance consultations conducted by AI avatars
- Sales training using generative AI
- Providing the Avatore service as a sales agent for AVITA株式会社
- Appointing younger employees as branch managers and accelerating their development into fully productive personnel
- Expanding variable insurance sales
Key KPIsA metric the company considers important as a management benchmark.
- Submitted ANP (total across channels, cumulative)¥3,060 millionYear on year against the same period last year-6.6%
- Collaborative-channel submitted ANP (cumulative)¥733 millionYear on year against the same period last year+37.5%
- Remote-sales submitted ANP (cumulative)¥142 millionYear on year against the same period last year-52.5%
- Face-to-face sales submitted ANP (cumulative)¥2,184 millionYear on year against the same period last year-10.7%
- Variable insurance submitted ANP¥200 million
- Number of employees311 people
- LINE friends1,300,000 people
- folder app downloads230,000 Engagements
Segment results
Insurance agency business (life insurance)
Net Sales¥2,205 million
Year on year against the same period last year+4.5%
Insurance agency business (non-life insurance)
Net Sales¥264 million
Year on year against the same period last year+90.9%
ASP business
Net Sales¥145 million
Year on year against the same period last year-3.6%
Operating profit (loss)¥50 million
Operating income (loss)_yoy_pct¥-13.1 million
Media Business
Net Sales¥178 million
Year on year against the same period last year-58.2%
Operating profit (loss)¥24 million
Operating income (loss)_yoy_pct¥-69.4 million
Media Rep Business
Net Sales¥507 million
Year on year against the same period last year+100.3%
Operating profit (loss)¥-59 million
Reinsurance Business
Net Sales¥525 million
Year on year against the same period last year+3.3%
Operating profit (loss)¥23 million
Operating income (loss)_yoy_pct¥-28 million
Financial targets
ROE— for both the full-year forecast and historical results
Equity ratio— for the full-year forecast
Number of employees
Number of Employees311 people
Record date30 June 2026
Capital expenditures
¥107 millions cash flow from investing activities for the acquisition of intangible assets
| Item | Details |
|---|---|
| Document type | Presentation materials for financial results |
| Fiscal Period Covered | Second quarter of the fiscal year ending September 2026 |
| Net Sales | ¥3,406 million (YoY +9.2%) |
| Operating profit | ¥18 million |
| Ordinary income | ¥-16 million |
| Net income | ¥-31 million |
| Gross Profit Margin | Rate 77.3% / Year-on-year change (points) +0.2 percentage points |
| Operating profit margin | Rate 0.5% / Year-on-year change (points) +20.1 percentage points (−19.6% in the same period of the previous year) |
| Full-year earnings forecast | Net Sales ¥7,950 million / Operating profit (loss) ¥650 million / Ordinary profit or loss ¥550 million / Net income (loss) for the current fiscal year ¥450 million |
| Segment results | Insurance agency business (life insurance) Net Sales ¥2,205 million / yoy_pct ¥4.5 million / Operating profit (loss) Not disclosed / Insurance agency business (non-life insurance) Net Sales ¥264 million / yoy_pct ¥90.9 million / Operating profit (loss) Not disclosed / ASP business Net Sales ¥145 million / yoy_pct ¥-3.6 million / Operating profit (loss) ¥50 million / Operating income (loss)_yoy_pct ¥-13.1 million / Media Business Net Sales ¥178 million / yoy_pct ¥-58.2 million / Operating profit (loss) ¥24 million / Operating income (loss)_yoy_pct ¥-69.4 million / Media Rep Business Net Sales ¥507 million / yoy_pct ¥100.3 million / Operating profit (loss) ¥-59 million / Operating income (loss)_yoy_pct Not disclosed / Reinsurance Business Net Sales ¥525 million / yoy_pct ¥3.3 million / Operating profit (loss) ¥23 million / Operating income (loss)_yoy_pct ¥-28 million |
| Key KPIs | Indicator name Submitted ANP (total across channels, cumulative) / Value ¥3,060 million / Year on year against the same period last year ¥-6.6 million, Indicator name Collaborative-channel submitted ANP (cumulative) / Value ¥733 million / Year on year against the same period last year ¥37.5 million, Indicator name Remote-sales submitted ANP (cumulative) / Value ¥142 million / Year on year against the same period last year ¥-52.5 million, Indicator name Face-to-face sales submitted ANP (cumulative) / Value ¥2,184 million / Year on year against the same period last year ¥-10.7 million, Indicator name Variable insurance submitted ANP / Value ¥200 million / Year on year against the same period last year Not disclosed, Indicator name Number of employees / Value 311 people / Year on year against the same period last year Not disclosed, Indicator name LINE friends / Value 1,300,000 people / Year on year against the same period last year Not disclosed, Indicator name folder app downloads / Value 230,000 Engagements / Year on year against the same period last year Not disclosed |
| Number of employees | Number of Employees 311 people / Record date 30 June 2026 |
| Financial targets | ROE — for both the full-year forecast and historical results / Equity ratio — for the full-year forecast |
| Capital expenditures | ¥107 millions (cash flow from investing activities for the acquisition of intangible assets) |
| New initiatives | Expansion of social media video marketing, Automating inquiry handling with generative AI, Initial interviews for insurance consultations conducted by AI avatars, Sales training using generative AI, Providing the Avatore service as a sales agent for AVITA株式会社, Appointing younger employees as branch managers and accelerating their development into fully productive personnel, Expanding variable insurance sales |
Items this document does not state (16)
Selling, general and administrative expensesResults for the three months of the current quarterProgress against full-year forecastSelf-assessment against the planBreakdown of Factors Affecting the ChangeUnit price and quantity metricsNumber of stores and locationsAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookMedium-term management plan targetsAnnual DividendPayout ratioAcquisition of treasury sharesOrders received and order backlogMarket Size / ShareKey points of the Q&A
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 main drivers of the revenue increase were higher productivity at directly operated branches in the insurance agency business, steady sales performance, and an increase in PV sales resulting from higher insurance policy persistency through policy maintenance activities. The improvement in interim net income was attributed in part to a decrease in extraordinary losses. The corrections to prior-period results were attributed to inappropriate accounting practices involving advertising transactions and the capitalization of software, among other matters.
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.