Komori
Cosmos Initia (8844) · RiskWorsened

Guarantee obligations for home-loan customers

First written in FY2018-Q2. 22 of 29 entries say "Mitigated", first in FY2018. Latest entry: FY2026.

29entries
10years
0from disclosures
Share on X
How it moved
ProgressHeldSoftenedWorseMitigatedFY2020-Q1 – FY2021-Q3MitigatedFY2022-Q1 – FY2024WorsenedFY2025-H1 – FY20262017: 12018: 420182019: 420192020: 320202021: 420212022: 420222023: 420232024: 320242025: 120252026: 12026
Same theme, other companies
Credit Exposure of Guarantee Obligations for Mortgage BorrowersA theme 30 companies write about · 31 as a headwind · 1 as a tailwind

Cosmos Initia moved to the "Worse" side of this theme in 2025, 2 years after the typical company in this theme (2023).

The whole theme swung hardest in 2025: 7 of 27 companies on the "Worse" side.

9 other companies' latest entry also says "Worsened".

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 30 companies compared. The sentences above are computed from all 30.
Full recordFilings, disclosures and news, newest first
  1. FY2026WorsenedAnnual report

    「Mortgage-loan customers ¥2,878 million ¥7,791 million」

    Guarantee obligations for mortgage-loan customers increased from ¥2,878 million at the end of the previous fiscal year to ¥7,791 million.
  2. FY2025WorsenedAnnual report

    「Mortgage-loan customers ¥1,663 million ¥2,878 million」

    Guarantee obligations for mortgage-loan customers increased from ¥1,663 million at the end of the previous fiscal year to ¥2,878 million.
  3. FY2025-H1WorsenedAnnual report

    「Mortgage-loan customers ¥1,663 million ¥3,245 million」

    Guarantee obligations for mortgage-loan customers increased from ¥1,663 million at the end of the previous consolidated fiscal year to ¥3,245 million at the end of the interim period.
  4. FY2024MitigatedAnnual report

    「Mortgage-loan customers ¥4,392 million ¥1,663 million」

    Guarantee obligations for mortgage-loan customers decreased from ¥4,392 million at the end of the previous fiscal year to ¥1,663 million.
  5. FY2024-Q3MitigatedAnnual report

    「Mortgage-loan customers ¥4,392 million ¥1,103 million」

    Guarantee obligations for mortgage-loan customers decreased from ¥4,392 million at the end of the previous consolidated fiscal year to ¥1,103 million at the end of the third quarter.
  6. FY2024-Q2MitigatedAnnual report

    「Mortgage-loan customers ¥4,392 million ¥2,872 million」

    Guarantee obligations for mortgage-loan customers decreased from ¥4,392 million at the end of the previous consolidated fiscal year to ¥2,872 million at the end of the second quarter.
  7. FY2024-Q1MitigatedAnnual report

    「Mortgage-loan customers ¥4,392 million ¥1,724 million」

    Guarantee obligations for mortgage-loan customers decreased from ¥4,392 million at the end of the previous consolidated fiscal year to ¥1,724 million at the end of the first quarter.
  8. FY2023MitigatedAnnual report

    「Mortgage-loan customers ¥5,404 million ¥4,392 million」

    Guarantee obligations for mortgage-loan customers decreased from ¥5,404 million at the end of the previous fiscal year to ¥4,392 million.
  9. FY2023-Q3MitigatedAnnual report

    「Home-loan customers ¥5,404 million ¥652 million」

    Guarantee obligations for home-loan customers decreased from ¥5,404 million at the end of the previous consolidated fiscal year to ¥652 million at the end of the third quarter.
  10. FY2023-Q2MitigatedAnnual report

    「Home-loan customers ¥5,404 million ¥3,679 million」

    Guarantee obligations for home-loan customers decreased from ¥5,404 million at the end of the previous consolidated fiscal year to ¥3,679 million at the end of the second quarter.
  11. FY2023-Q1MitigatedAnnual report

    「Home-loan customers ¥5,404 million ¥967 million」

    Guarantee obligations for home-loan customers decreased from ¥5,404 million at the end of the previous consolidated fiscal year to ¥967 million at the end of the first quarter.
  12. FY2022MitigatedAnnual report

    「Home-loan customers ¥15,616 million ¥5,404 million」

    Guarantee obligations for home-loan customers decreased from ¥15,616 million at the end of the previous year to ¥5,404 million.
  13. FY2022-Q3MitigatedAnnual report

    「Home-loan customers ¥15,616 million ¥3,016 million」

    Guarantee obligations for home-loan customers decreased from ¥15,616 million at the end of the previous year to ¥3,016 million.
  14. FY2022-Q2MitigatedAnnual report

    「Home-loan customers ¥15,616 million ¥2,294 million」

    Guarantee obligations for home-loan customers decreased substantially from ¥15,616 million at the end of the previous consolidated fiscal year to ¥2,294 million.
  15. FY2022-Q1MitigatedAnnual report

    「Home-loan customers ¥15,616 million ¥2,448 million」

    Guarantee obligations for home-loan customers decreased substantially from ¥15,616 million at the end of the previous year to ¥2,448 million at the end of the first quarter.
  16. FY2021WorsenedAnnual report

    「Home-loan customers ¥8,093 million ¥15,616 million」

    Guarantee obligations for home-loan customers increased from ¥8,093 million at the end of the previous year to ¥15,616 million at the end of the current year.
  17. FY2021-Q3MitigatedAnnual report

    「Home-loan customers ¥8,093 million ¥880 million」

    Guarantee obligations for home-loan customers decreased from ¥8,093 million at the end of the previous year to ¥880 million at the end of the third quarter.
  18. FY2021-Q2MitigatedAnnual report

    「Home-loan customers ¥8,093 million ¥2,024 million」

    Guarantee obligations for home-loan customers decreased from ¥8,093 million at the end of the previous year to ¥2,024 million at the end of the second quarter.
  19. FY2021-Q1MitigatedAnnual report

    「Home-loan customers ¥8,093 million ¥423 million」

    Guarantee obligations for home-loan customers decreased from ¥8,093 million at the end of the previous year to ¥423 million at the end of the first quarter.
  20. FY2020-Q3MitigatedAnnual report

    「Home-loan customers ¥5,451 million ¥415 million」

    Guarantee obligations for home-loan customers decreased from ¥5,451 million at the end of the previous consolidated fiscal year to ¥415 million at the end of the third quarter.
  21. FY2020-Q2MitigatedAnnual report

    「Home-loan customers ¥5,451 million ¥1,640 million」

    Guarantee obligations for home-loan customers decreased from ¥5,451 million at the end of the previous consolidated fiscal year to ¥1,640 million at the end of the second quarter.
  22. FY2020-Q1MitigatedAnnual report

    「Home-loan customers ¥5,451 million ¥781 million」

    Guarantee obligations for home-loan customers decreased from ¥5,451 million at the end of the previous year to ¥781 million at the end of the first quarter.
  23. FY2019WorsenedAnnual report

    「Home-loan customers ¥5,382 million ¥5,451 million」

    Guarantee obligations for home-loan customers increased from ¥5,382 million at the end of the previous year to ¥5,451 million.
  24. FY2019-Q3MitigatedAnnual report

    「Home-loan customers ¥5,382 million ¥1,111 million」

    Guarantee obligations for home-loan customers decreased from ¥5,382 million at the end of the previous consolidated fiscal year to ¥1,111 million at the end of the third quarter.
  25. FY2019-Q2MitigatedAnnual report

    「Home-loan customers ¥5,382 million ¥4,895 million」

    Guarantee obligations for home-loan customers decreased from ¥5,382 million at the end of the previous year to ¥4,895 million at the end of the second quarter.
  26. FY2019-Q1MitigatedAnnual report

    「Home-loan customers ¥5,382 million ¥1,832 million」

    Guarantee obligations for home-loan customers decreased from ¥5,382 million at the end of the previous consolidated fiscal year to ¥1,832 million at the end of the first quarter.
  27. FY2018MitigatedAnnual report

    「Home-loan customers ¥8,165 million ¥5,382 million」

    Guarantee obligations for home-loan customers decreased from ¥8,165 million at the end of the previous year to ¥5,382 million at the end of the current year.
  28. FY2018-Q3Changes in guarantee obligationsAnnual report

    「Home-loan customers ¥8,165 million ¥4,341 million」

    Guarantee obligations for home-loan customers were ¥4,341 million at the end of the third quarter, down from ¥8,165 million at the end of the previous consolidated fiscal year.
  29. FY2018-Q2First statedAnnual report

    「Home-loan customers ¥8,165 million ¥2,483 million」

    Guarantee obligations for home-loan customers were ¥2,483 million, down from ¥8,165 million at the end of the previous consolidated fiscal year.
Moved together

"Expansion of New Construction, Existing Stock Revitalization, Renovation, and Post-Occupancy Services" moved the same way as this thread, in the same document, in 21 of its 29 moves.

211313121212★123456
  1. ★This thread
  2. 1Expansion of New Construction, Existing Stock Revitalization, Renovation, and Post-Occupancy Services21×
  3. 2Investment Property Development and Redevelopment of Existing Properties13×
  4. 3Increase in Assets and Liabilities Associated with Acquisitions of Investment Real Estate, etc.13×
  5. 4Strengthening the Construction Business and Large-Scale Renovation Projects12×
  6. 5Resumption of a ¥7 year-end dividend and planned dividend for the next fiscal year12×
  7. 6Nine-Month Revenue Growth and Operating Profit Improvement12×

★ 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
No upcoming earnings preview for Cosmos Initia yet.
News
No news is linked to this thread yet. When an article touches it, it will appear here by date.
Guarantee obligations for home-loan customers | COSMOS INITIA Co.,Ltd. (8844) | Komori