Q&A Collection Regarding Full-Year Financial Results for the Fiscal Year Ending November 2025

Overview of Performance

In the full-year financial results for the fiscal year ending November 2025, sales of protection-type products remained strong, resulting in net sales exceeding the revised forecast. Cost reductions advanced as well, suppressing cost of sales and selling, general and administrative expenses, which contributed to operating income also surpassing expectations and steady performance. The approximately 4 billion yen revenue increase forecast is mainly attributed to the resumption of customer acquisition from partner companies and increased customer traffic from a new partnership with Yamada Denki. The contract assumption business is progressing smoothly, with ANP of about 1.45 billion yen in the previous period and a target of 1.5 billion yen this term.

Outlook and Challenges

This term, under a conservative sales plan, the company will focus on compliance with insurance business law revisions and the implementation of business improvement plans to strengthen its foundation. The number of sales employees declined in the previous term, but a net increase is expected from the second quarter onward due to the resumption of partner company customer acquisition and the Yamada Denki partnership. Efforts such as introducing new systems and enhancing sales employee motivation are underway to capture new contracts after contract assumption and to recover sales of protection-type products, aiming to return to a growth trajectory from the next fiscal year onward.