Net sales 5,635 million yen (cumulative 2Q, YoY +2.7%), ordinary income 2,754 million yen (YoY +7.2%), guarantee obligations 9,549 hundred million yen at a record high, and progress to full-year is 49.2% for ordinary income. Guarantee fee rates are trending down despite a high level of bankruptcy cases. Delays in the mid-term plan’s numerical progress have been noted; measures underway include expanding sales resources, introducing sales partners, and leveraging AI. Dividend policy maintains a progressive dividend with a target payout ratio of 100%, and share buybacks will continue.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"price_fetched_at":"","company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"8771","jir_company_name":"eGuarantee, Inc.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-11-13","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/11\/8771-20261113-02.pdf","jir_short_summary":"Net sales 5,635 million yen (cumulative 2Q, YoY +2.7%), ordinary income 2,754 million yen (YoY +7.2%), guarantee obligations 9,549 hundred million yen at a record high, and progress to full-year is 49.2% for ordinary income. Guarantee fee rates are trending down despite a high level of bankruptcy cases. Delays in the mid-term plan's numerical progress have been noted; measures underway include expanding sales resources, introducing sales partners, and leveraging AI. Dividend policy maintains a progressive dividend with a target payout ratio of 100%, and share buybacks will continue.","jir_summary":"### Key Points of Results\nCumulative 2Q results show improvement, with net sales reaching a record high. Guarantee obligations are at a record high; although the number of bankruptcies remains high, guarantee fee rates are declining. The company is advancing initiatives to develop young talent and expand distribution channels (including expanding partnerships with credit unions and considering a sales partner model), and is working on cost-efficiency improvements including AI utilization. Delays in numerical progress under the mid-term plan have been pointed out, making measures to improve progress important in the current fiscal year.\n\n### Outlook and Shareholder Returns\nProgress toward the full-year forecasts is generally steady, with ordinary income reaching approximately 49.2% of the full-year forecast. To achieve ROE\/ROIC targets, the company emphasizes maintaining flexibility for share buybacks and continuing a progressive dividend. Expanding the use of sales partners and strengthening screening capabilities through AI and data utilization are important growth drivers. As future capital policy, the company plans to continue share buybacks and maintain a dividend payout policy targeting 100%.","jir_financial_highlights":"Net Sales: 5,635 (YoY +2.7%)\nGross Profit: 4,145 (YoY +4.2%)\nOrdinary Income: 2,754 (YoY +7.2%)\nGuarantee Obligations (cumulative): 9,549 (YoY +9.9%)\nNet Income Attributable to Owners of Parent: 1,853 (YoY +48.8%)","jir_category":"","jir_hashtags":"#eGuarantee, #Earnings, #Interim, #GuaranteeObligations, #RevenueTrend","jir_key_figures":"Guarantee Obligations (cumulative): 9,549 hundred million yen\nNet Sales: 5,635 million yen\nOrdinary Income: 2,754 million yen","jir_meta_title":"eGuarantee, Inc. \u2014 Earnings Presentation | 2Q FY2026","jir_meta_description":"Earnings presentation for the interim period of fiscal year ending March 2027 by eGuarantee, Inc. Highlights: net sales 5,635 million yen, ordinary income 2,754 million yen, guarantee obligations 9,549 hundred million yen, mid-term plan progress and shareholder return policy explained.","jir_og_title":"eGuarantee, Inc. Earnings Presentation | 2Q FY2026","jir_og_description":"Cumulative 2Q net sales 5,635 million yen and ordinary income 2,754 million yen. Guarantee obligations reached a record 9,549 hundred million yen. Explains mid-term plan delays and countermeasures, and shareholder return policy.","jir_og_image_url":"\/assets\/og\/company-financial_summary.jpg","jir_chart_data_collection":"[{\"jir_chart_id\": \"revenue_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Revenue Trend\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2025\/3\\\",\\\"2026\/3\\\",\\\"2027\/3\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Net Sales (million yen)\\\",\\\"data\\\":[5488,5635,0]}]},\\\"options\\\":{}}\"}, {\"jir_chart_id\": \"operating_profit_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Operating Profit Trend\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2025\/3\\\",\\\"2026\/3\\\",\\\"2027\/3\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Operating Profit (million yen)\\\",\\\"data\\\":[2512,2601,0]}]},\\\"options\\\":{}}\"}, {\"jir_chart_id\": \"margin_analysis\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Margin Analysis\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2025\/3\\\",\\\"2026\/3\\\",\\\"2027\/3\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Ordinary Income Margin\\\",\\\"data\\\":[? , ?, ?]}]},\\\"options\\\":{}}\"}, {\"jir_chart_id\": \"segment_revenue_breakdown\", \"jir_chart_type\": \"pie\", \"jir_chart_title\": \"Guarantee-related Revenue Composition\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"pie\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Guarantee Obligations\\\",\\\"Other\\\"],\\\"datasets\\\":[{\\\"data\\\":[? , ?]}]},\\\"options\\\":{}}\"}]","ir_related_company":16732,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"financial_summary","footnotes":""},"sector":[],"importance":[],"class_list":["post-153347","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n