Fiscal Year Ending March 2027 Interim Financial Presentation

Performance Overview

For the cumulative 2Q of the fiscal year ending March 2027, consolidated results recorded operating revenue of 4.11 billion yen, operating income of 900 million yen, and net income of 608 million yen. Revenue rose 9.7% YoY and operating income rose 20.0% YoY, with all segments achieving increases in both revenue and profit. Diversification across the Housing Finance business, Residential Defect Insurance and related businesses, and Housing Academia business, along with cross-selling initiatives, has helped stabilize the revenue base. The full-year forecast remains unchanged.

Business Portfolio and Market Environment

The market environment is influenced by a rebound in new housing demand and higher interest rates, while supported by expansion in the used housing market and strengthening of renovation-related businesses. By segment, the Housing Finance business, Defect Insurance and related businesses, and Academia business are growing complementarily. Even during the transition from a low-rate to a high-rate environment, the company plans to disperse micro-risks and enhance earnings stability through platform strategies leveraging open-book platforms and BaaS.