At the financial results briefing for the fiscal year ending March 2026, discussions included the projected increase in guaranteed debt by approximately 130 billion yen and maintaining an operating profit margin of over 50%, along with progress in implementing AI and partner sales models.<\/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,"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":"E-Garanti","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-05-20","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/05\/8771-20260520-02.pdf","jir_short_summary":"At the financial results briefing for the fiscal year ending March 2026, discussions included the projected increase in guaranteed debt by approximately 130 billion yen and maintaining an operating profit margin of over 50%, along with progress in implementing AI and partner sales models.","jir_summary":"### Performance Overview\nIn the fiscal year ending March 2026, the presentation indicated a planned net increase in guaranteed debt of about 130 billion yen annually, with an outlook to maintain a sales operating profit margin exceeding 50%. The guarantee fee rate is expected to slightly increase, and costs are trending positively. The company aims to expand the guarantee balance and improve business performance through the advancement of AI and partner sales model deployment, although challenges remain regarding system integration and practical implementation.\n\n### Future Outlook and Impact on Investors\nEarly realization of AI and smartphone-based partner sales models is expected to improve sales efficiency and expand the guarantee balance. Meanwhile, ongoing attention is given to developments in guarantee fee rates and costs, with measures in place for cost management and risk hedging. The shareholder return policy will maintain a high payout ratio based on the necessary capital calculations, adhering to a long-term capital policy.","jir_financial_highlights":"Guaranteed debt: Approximately 130 billion yen (Expected to increase compared to the previous year)\nSales operating profit margin: Over 50% (Expected to remain flat or improve YoY)\nGuarantee fee rate: Slightly increasing (Expected to slightly rise from flat levels)","jir_category":"","jir_hashtags":"#E-Garanti #FinancialResults #JapanStocks","jir_key_figures":"Guaranteed debt: approximately 130 billion yen (plan)\nSales operating profit margin: over 50% (forecast)\nGuarantee fee rate: expected to slightly increase","jir_meta_title":"E-Garanti FY2026 March Financial Results | Increase in Guaranteed Debt and AI Deployment Progress","jir_meta_description":"Detailed explanation of the FY2026 financial results briefing. Summarizes guaranteed debt, profit margin outlook, and progress in AI and partner sales for investors.","jir_og_title":"E-Garanti FY2026 March Financial Results | Growth in Guaranteed Debt and AI Integration","jir_og_description":"Focused on increased guaranteed debt and expansion through AI utilization, this report explains FY2026 financial results to investors.","jir_og_image_url":"\/assets\/og\/company-general_ir.jpg","jir_chart_data_collection":"[]","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-53428","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n