Fiscal Year Ending March 2027: 2nd Quarter (Interim) Earnings Presentation

Performance Overview

In the 2nd quarter (interim) of the fiscal year ending March 2027, revenue was 2,403 million yen (YoY +0.2%) and operating income was 313 million yen (YoY +12.2%), achieving profit growth. The main drivers were expanded sales by the online sales organization, containment of SG&A expenses, and contributions from real estate sales. While impacted by the sale of the ManePro Shop business and changes to single-premium life insurance commission structures, overall progress remained favorable. By segment, the Financial Partner business is the mainstay, with real estate sales making a significant contribution.

Outlook and Shareholder Returns

Progress toward the full-year forecast is considered steady, though the impact of commission structure changes is expected to continue. In the long term, accumulated recurring commissions are expected to enhance stability. Regarding shareholder returns, the company plans to maintain a policy of increasing dividends even if profit forecasts decline, and intends to continue introducing interim dividends and expanding shareholder benefit programs. The policy of balancing growth investment and shareholder returns as a capital allocation pillar will also continue.