Komori
Horai (9679) · InitiativeAdvanced

Adding value to insurance contracts and developing new markets

First written in FY2016-Q3. 14 of 36 entries say "Advanced", first in FY2018-Q1. Latest entry: 2026-07-30.

36entries
11years
2from disclosures
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How it moved
ProgressHeldSoftenedWorseRestatedFY2016-Q3 – FY20172016: 220162017: 420172018: 420182019: 320192020: 420202021: 420212022: 320222023: 420232024: 320242025: 220252026: 32026
Same theme, other companies
Expanding the Insurance Business’s Policy Base and Achieving Early ProfitabilityA theme 11 companies write about · 0 as a headwind · 12 as a tailwind

The whole theme swung hardest in 2019: 1 of 6 companies on the "Worse" side.

4 other companies' latest entry also says "Advanced".

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.
Full recordFilings, disclosures and news, newest first
  1. 2026-07-30AdvancedEarnings

    「Operating revenue increased by ¥127 million year on year to ¥957 million, as new life insurance policies increased and renewals of non-life insurance policies reaching their renewal dates progressed smoothly.」

    The increase in new life insurance policies and continued progress in renewing non-life insurance policies resulted in higher operating revenue in the insurance business year on year.
  2. FY2026-H1AdvancedAnnual report

    「Operating revenue increased by ¥101 million year on year to ¥631 million, as new life insurance policies increased and renewals of non-life insurance policies that had reached their renewal dates progressed smoothly.」

    An increase in new life insurance policies and progress in non-life insurance policy renewals increased operating revenue from the insurance business by ¥101 million year on year.
  3. 2026-04-28AdvancedEarnings

    「New life insurance policies increased, while renewals of non-life insurance policies reaching their renewal dates also progressed smoothly, resulting in an increase of ¥101 million year on year to ¥631 million.」

    Higher sales in the insurance business were driven by an increase in new life insurance policies and progress in renewing non-life insurance policies.
  4. FY2025Insurance business revenue declined due to the reversal of large non-life insurance contractsAnnual report

    「Although new life insurance policies increased, operating revenue decreased by ¥5 million from the previous fiscal year to ¥1,173 million, reflecting the reversal of the effect of large non-life insurance policies obtained in the previous fiscal year.」

    Although new life insurance policies increased, the reversal of the effect of large non-life insurance policies obtained in the previous fiscal year reduced operating revenue from the insurance business by ¥5 million year on year.
  5. FY2025-H1Lower revenue due to a decline in new life insurance policiesAnnual report

    「Operating revenue decreased by ¥21 million year on year, mainly because fewer new policies were obtained in the life insurance segment, resulting in operating revenue of ¥530 million.」

    Fewer new life insurance policies reduced operating revenue from the insurance business by ¥21 million year on year.
  6. FY2024AdvancedAnnual report

    「Operating revenue in the life insurance segment fell below the previous fiscal year, mainly because fewer new policies were obtained, while operating revenue in the non-life insurance segment exceeded the previous fiscal year as renewals of policies reaching their renewal dates progressed smoothly and many new policies were also obtained, resulting in total operating revenue of ¥1,179 million, up ¥27 million year on year.」

    Although new life insurance policies decreased, non-life insurance policy renewals and new policies increased, raising operating revenue from the insurance business by ¥27 million year on year.
  7. FY2024-Q2Higher non-life insurance renewals were offset by lower life insurance revenue due to fewer policies, resulting in an overall decline in revenueAnnual report

    「Operating revenue in the non-life insurance segment exceeded the year-earlier level, mainly because renewals of policies reaching their renewal dates progressed smoothly, but operating revenue in the life insurance segment fell below the year-earlier level, mainly because fewer new policies were obtained, resulting in total operating revenue of ¥551 million, down ¥17 million year on year.」

    Although non-life insurance renewals progressed smoothly, fewer new life insurance policies reduced total insurance business revenue by ¥17 million year on year.
  8. FY2024-Q1Higher life insurance revenue from an increase in new policies was offset by lower non-life insurance revenue due to fewer renewalsAnnual report

    「Operating revenue fell below the year-earlier level, mainly because fewer non-life insurance policies reached their renewal dates and renewals declined, despite many new life insurance policies being obtained, resulting in operating revenue of ¥244 million, down ¥30 million year on year.」

    Although new life insurance policies continued, fewer non-life insurance policies being due for renewal reduced total operating revenue from the insurance business by ¥30 million year on year.
  9. FY2023Expansion into growth initiatives, including M&A of insurance agenciesAnnual report

    「■Pursuing M&A of high-quality insurance agencies」

    In addition to increasing the value of existing policies and developing new markets, M&A of high-quality insurance agencies is identified as a growth initiative.
  10. FY2023-Q3Higher life insurance revenue was offset by lower non-life insurance revenue due to sluggish renewals, resulting in an overall decline in revenueAnnual report

    「Operating revenue increased in the life insurance segment as many new policies were obtained, but decreased in the non-life insurance segment, mainly because policy renewals were sluggish, resulting in total operating revenue of ¥849 million, down ¥23 million year on year.」

    New life insurance policies increased revenue, while sluggish non-life insurance policy renewals reduced revenue, resulting in a ¥23 million year-on-year decline in total insurance business revenue.
  11. FY2023-Q2Higher life insurance revenue was offset by lower non-life insurance revenue due to fewer renewals, resulting in an overall decline in revenueAnnual report

    「Operating revenue increased in the life insurance segment as many new policies were obtained, but decreased in the non-life insurance segment, mainly because fewer policies reached their renewal dates, resulting in total operating revenue of ¥568 million, down ¥7 million year on year.」

    Although new life insurance policies increased, lower non-life insurance revenue due to fewer policies being due for renewal reduced total operating revenue from the insurance business year on year.
  12. FY2023-Q1AdvancedAnnual report

    「Operating revenue increased in both segments, mainly because many new policies were obtained in the life insurance segment and many customers renewed existing policies in the non-life insurance segment, resulting in total operating revenue of ¥275 million, up ¥28 million year on year.」

    New life insurance policies and renewals of existing non-life insurance policies increased operating revenue from the insurance business by ¥28 million year on year.
  13. FY2022AdvancedAnnual report

    「Operating revenue increased in both segments, mainly because many new policies were obtained in the life insurance segment and many customers renewed existing policies in the non-life insurance segment, resulting in total operating revenue of ¥1,188 million, up ¥66 million year on year.」

    New life insurance policies and renewals of existing non-life insurance policies increased operating revenue from the insurance business by ¥66 million year on year.
  14. FY2022-Q3RestatedAnnual report

    「Operating revenue increased in the life insurance segment as many new policies were obtained, but decreased in the non-life insurance segment, mainly because fewer policies reached their renewal dates, resulting in total operating revenue of ¥872 million, down ¥21 million year on year.」

    Although the increase in new life insurance policies continued, lower non-life insurance revenue due to fewer policies being due for renewal reduced total insurance business revenue by ¥21 million year on year.
  15. FY2022-Q1Higher life insurance revenue from an increase in new policies was offset by lower non-life insurance revenue due to fewer renewalsAnnual report

    「Operating revenue increased in the life insurance segment as many new policies were obtained, but decreased in the non-life insurance segment, mainly because fewer policies reached their renewal dates, resulting in total operating revenue of ¥246 million, down ¥62 million year on year.」

    New life insurance policies increased, while non-life insurance revenue decreased because fewer policies were due for renewal, reducing total operating revenue from the insurance business by ¥62 million year on year.
  16. FY2021AdvancedAnnual report

    「Operating revenue increased in both segments, mainly because renewals of existing policies progressed smoothly in the non-life insurance segment and many new policies were obtained in both the non-life and life insurance segments, resulting in total operating revenue of ¥1,121 million, up ¥23 million year on year.」

    In addition to renewing existing policies, new policies were obtained in both the non-life and life insurance segments, increasing operating revenue from the insurance business by ¥23 million year on year.
  17. FY2021-Q3AdvancedAnnual report

    「Operating revenue increased in both segments, mainly because renewals of existing policies progressed smoothly in the non-life insurance segment and many new policies were obtained in both the non-life and life insurance segments, resulting in total operating revenue of ¥893 million, up ¥89 million year on year.」

    In addition to renewing existing policies, new policies were obtained in both the non-life and life insurance segments, increasing operating revenue from the insurance business by ¥89 million year on year.
  18. FY2021-Q2AdvancedAnnual report

    「Operating revenue increased in both segments, mainly because renewals of existing policies progressed smoothly in the non-life insurance segment and many new policies were obtained in both the non-life and life insurance segments, resulting in total operating revenue of ¥643 million, up ¥115 million year on year.」

    In addition to renewing existing policies, new policies were obtained in both the non-life and life insurance segments, increasing operating revenue from the insurance business by ¥115 million year on year.
  19. FY2021-Q1AdvancedAnnual report

    「Operating revenue increased in both segments, mainly because renewals of existing policies progressed smoothly in the non-life insurance segment and many new policies were obtained in both the non-life and life insurance segments, resulting in total operating revenue of ¥308 million, up ¥72 million year on year.」

    In addition to renewing existing policies, new policies were obtained in both the non-life and life insurance segments, increasing operating revenue from the insurance business by ¥72 million year on year.
  20. FY2020RestatedAnnual report

    「Operating revenue increased in the non-life insurance segment, mainly because renewals of existing policies progressed smoothly, but decreased in the life insurance segment due to the impact of product reviews, resulting in total operating revenue of ¥1,097 million, down ¥50 million year on year.」

    The note describes revenue fluctuations resulting from renewals of existing non-life insurance policies and product reviews in life insurance, and states that the operating policy of continuing to solicit and propose insurance policy renewals remains in place.
  21. FY2020-Q3RestatedAnnual report

    「Operating revenue declined in both fields, mainly because of the impact of product reviews in the life insurance field and the decline following the long-term renewal of a large fire insurance contract in the same period of the previous year in the non-life insurance field, totaling ¥803 million, down ¥61 million year on year.」

    Revenue declines in both fields have continued because of product reviews in life insurance and the decline following the renewal of a large fire insurance contract in non-life insurance.
  22. FY2020-Q2Continued decline in insurance business revenue and profitAnnual report

    「Operating revenue declined in both fields, mainly because of the impact of product reviews in the life insurance field and the decline following the long-term renewal of a large fire insurance contract in the same period of the previous year in the non-life insurance field, totaling ¥528 million, down ¥68 million year on year. Operating costs exceeded the same period of the previous year because of higher expenses, and gross operating profit was ¥154 million, down ¥83 million year on year.」

    Product reviews in life insurance and the decline following the renewal of a large fire insurance contract in non-life insurance caused revenue to decline in both fields, while gross operating profit in the insurance business also fell.
  23. FY2020-Q1Insurance business revenue and profit declineAnnual report

    「Operating revenue declined in both fields, mainly because of the impact of product reviews in the life insurance field and the decline following the long-term renewal of a large fire insurance contract in the same period of the previous year in the non-life insurance field, totaling ¥236 million, down ¥32 million year on year. Operating costs exceeded the same period of the previous year because of higher expenses, and gross operating profit was ¥48 million, down ¥40 million year on year.」

    In life insurance, product reviews, and in non-life insurance, the decline following the renewal of a large fire insurance contract, caused revenue to decline in both fields, and gross operating profit also fell in the insurance business.
  24. FY2019-Q3AdvancedAnnual report

    「Operating revenue increased in both fields, mainly because of new corporate contracts in the life insurance field and contracts acquired from new customers and smooth renewals of existing contracts in the non-life insurance field, totaling ¥865 million, up ¥17 million year on year.」

    New corporate contracts, contracts acquired from new customers and renewals of existing contracts resulted in year-on-year revenue growth in both the life and non-life insurance fields.
  25. FY2019-Q2Overall insurance business revenue declined, with new life insurance contracts providing supportAnnual report

    「Operating revenue in the life insurance field exceeded the same period of the previous year, mainly because of new corporate contracts. In the non-life insurance field, however, revenue fell below the same period of the previous year because of the significant decline following the long-term renewal of a large fire insurance contract in the same period of the previous year, resulting in total operating revenue of ¥596 million, down ¥4 million year on year.」

    New corporate contracts continued, but non-life insurance revenue declined because of the decrease following the large fire insurance contract in the same period of the previous year, resulting in an overall year-on-year decline in insurance business revenue.
  26. FY2019-Q1AdvancedAnnual report

    「Operating revenue increased in both fields, mainly because new corporate life insurance contracts were concluded in the life insurance field and contracts were acquired from new customers and existing contracts were renewed smoothly in the non-life insurance field, totaling ¥269 million, up ¥24 million year on year.」

    New corporate contracts, contracts acquired from new customers and renewals of existing contracts increased operating revenue in the insurance business by ¥24 million year on year.
  27. FY2018AdvancedAnnual report

    「Operating revenue increased in both fields, mainly because new corporate life insurance contracts were concluded in the life insurance field and contract renewals progressed smoothly in the non-life insurance field, totaling ¥1,131 million, up ¥74 million from the previous fiscal year.」

    New corporate contracts and non-life insurance contract renewals increased full-year operating revenue in the insurance business by ¥74 million year on year.
  28. FY2018-Q3RestatedAnnual report

    「Operating revenue increased in both fields, mainly because new corporate life insurance contracts were concluded in the life insurance field and contract renewals progressed smoothly in the non-life insurance field, totaling ¥848 million, up ¥60 million year on year.」

    Revenue growth in both fields has continued through new corporate contracts and renewals of non-life insurance contracts.
  29. FY2018-Q2RestatedAnnual report

    「Operating revenue increased in both fields, mainly because new corporate life insurance contracts were concluded in the life insurance field and contract renewals progressed smoothly in the non-life insurance field, totaling ¥600 million, up ¥76 million year on year.」

    Revenue growth in both fields has continued through new corporate contracts and renewals of non-life insurance contracts.
  30. FY2018-Q1AdvancedAnnual report

    「Operating revenue increased in both fields, mainly because new corporate life insurance contracts were concluded in the life insurance field and contract renewals progressed smoothly in the non-life insurance field.」

    The company reports revenue growth in both fields, driven by new corporate life insurance contracts in life insurance and progress in non-life insurance contract renewals.
  31. FY2017RestatedAnnual report

    「As a result, renewals of non-life insurance contracts and acquisition of new life insurance contracts, mainly business-owner insurance, progressed smoothly.」

    We continue to renew non-life insurance contracts and acquire new life insurance contracts, mainly business-owner insurance.
  32. FY2017-Q3RestatedAnnual report

    「Renewals of non-life insurance contracts and acquisition of new life insurance contracts progressed smoothly, but acquisition of new non-life insurance contracts fell below the same period of the previous year.」

    We continue to renew non-life insurance contracts, acquire new life insurance contracts and develop new lines and contracts, but acquisition of new non-life insurance contracts fell below the same period of the previous year.
  33. FY2017-Q2RestatedAnnual report

    「In the non-life insurance field, we worked to expand the range of insurance lines and develop new markets, but this was insufficient to offset the decline following the long-term renewal of a large fire insurance policy in the same period of the previous year. In the life insurance field, new contracts struggled to grow in both the corporate and individual markets.」

    We continue to expand insurance lines and develop new markets, but were unable to offset the decline following the renewal of a large contract, and new life insurance contracts also struggled to grow.
  34. FY2017-Q1RestatedAnnual report

    「In the non-life insurance field, renewal contracts remained at the previous year's level, but new contracts, including additional insurance lines, struggled to grow and fell below the same period of the previous year. In the life insurance field, results fell below the same period of the previous year, mainly in business-owner insurance for corporations.」

    The company is pursuing the retention of insurance contracts, development of new contracts and business-owner insurance for corporations, but new non-life insurance contracts and life insurance fell below the same period of the previous year during the quarter.
  35. FY2016RestatedAnnual report

    「In the non-life insurance field, we worked to add value to renewal contracts and develop new markets, but」

    The company continues to add value to renewal contracts and develop new markets, but explains that non-life insurance revenue fell below the previous fiscal year because of a decline following the renewal of large contracts.
  36. FY2016-Q3First statedAnnual report

    「The non-life insurance business exceeded the same period of the previous year, mainly because of the addition of value to renewed contracts and contributions from developing new markets, while the life insurance business also exceeded the same period of the previous year, mainly because of an increase in insurance contracts for business owners.」

    Identifies adding value to renewed contracts and developing new markets in non-life insurance, and increasing insurance contracts for business owners in life insurance.
Moved together

"Increase in the equity ratio to 37.5%" moved the same way as this thread, in the same document, in 13 of its 36 moves.

13119877★123456
  1. ★This thread
  2. 1Increase in the equity ratio to 37.5%13×
  3. 2Strengthening customer attraction through event planning and large-group tournament solicitation11×
  4. 3Planned redemption of golf membership deposits9×
  5. 4Fluctuations in Senbonmatsu Farm visitor numbers due to consumer preferences, economic conditions, weather and other factors8×
  6. 5Investment in facility upgrades and strengthening the customer-acceptance structure7×
  7. 6Revitalizing the Senbonmatsu Farm and golf businesses and strengthening stable revenue bases in insurance and real estate7×

★ 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
Horai's next results are scheduled for 2026-10-30. Read the earnings preview It last moved in the Earnings of 2026-07-30: "Advanced".
News
No news is linked to this thread yet. When an article touches it, it will appear here by date.
Adding value to insurance contracts and developing new markets | HORAI Co.,Ltd. (9679) | Komori