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eGuarantee (8771) investor relations material

eGuarantee Q2 2026 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2026 earnings summary6 Nov, 2025

Executive summary

  • Net sales for the six months ended September 2025 rose 12.5% year-over-year to ¥5,488 million, driven by growth in new contracts.

  • Operating profit increased 5.6% year-over-year to ¥2,512 million, and profit attributable to owners of parent rose 6.4% to ¥1,740 million.

  • Comprehensive income increased 4.9% year-over-year to ¥1,769 million.

  • Initiatives to improve employee retention and sales efficiency were implemented, including new systems and data-driven marketing.

  • A share repurchase program was initiated, and the progressive dividend policy was maintained.

Financial highlights

  • Gross profit increased to ¥3,979 million from ¥3,761 million year-over-year, but the cost ratio deteriorated due to increased guarantee payments from a rise in bankruptcies.

  • Guarantee liabilities increased 9.8% year-over-year to ¥869.0 billion.

  • Guarantee obligations surged 43.4% year-over-year to ¥2,312 billion.

  • Basic earnings per share for the six months was ¥36.83, up from ¥34.30 a year earlier.

  • Net assets per share as of September 30, 2025, was ¥466.05, down from ¥505.07 as of March 31, 2025.

Outlook and guidance

  • Full-year forecast for fiscal year ending March 31, 2026: net sales of ¥11,300 million (up 10.5% year-over-year), operating profit of ¥5,200 million (up 1.9%), and profit attributable to owners of parent of ¥3,550 million (up 1.7%).

  • Basic earnings per share for the full year is projected at ¥74.07.

  • Expecting continued growth in net sales and ordinary profit for FY2026, marking 23 consecutive terms of growth.

  • Medium-term plan targets FY2028 consolidated net sales of ¥20 billion and ordinary profit of ¥10 billion, with ROE and ROIC of 20% or more.

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