Financial Presentation Materials for the Fiscal Year Ending November 2025

Overview of Performance

For the fiscal year ending November 2025, net sales amounted to 32,104 million yen, a decrease of 9.9% year-over-year. Operating income was 2,984 million yen, down 44.0% YoY. Ordinary income stood at 3,153 million yen, and net income attributable to owners of parent was 2,042 million yen, both showing significant declines compared to the previous year. Operating margin was 9.3% and net profit margin was 6.4%, indicating a decrease in profitability. Numbers of sales staff, new contracts, and prospective insurance customers also declined; however, the number of contract transfer agreements increased significantly by 51.0% YoY, including the Prestige Corporation portion.

Impact on Shareholders and Future Outlook

The dividend for the fiscal year ending November 2025 is planned at 94 yen per share (47 yen interim and 47 yen year-end). Although there are decreases in the number of sales staff and new contracts, the sharp increase in the number of contract transfer agreements could contribute to improved future profitability. Quarterly product sales are trending downward, but efforts to strengthen sales capabilities and improve product mix are underway to build a solid foundation. Customer attraction at major partner companies is recovering, and the partnership with Yamada Denki is expected to drive further growth.