6093.T

• Corporate Vision and Value Proposition

  • The company provides BPaaS (Business Process as a Service) solutions to solve operational challenges for specialized industries including finance, real estate, construction, and professional services
  • BPaaS standardizes and automates specialized professional workflows on a cloud platform, driving client productivity, convenience, and security improvements
  • The company combines expertise, digital transformation (DX), and operational capabilities to enable clients to focus on their core high-value work, with a long-term goal of becoming an essential social infrastructure firm

• Overall 2026 February Term Performance

  • Full-year results delivered increased revenue but decreased profit, with the profit decline driven by two one-time factors: allowance for credit losses and delayed contract/settlement timelines for real estate auction transactions
  • Management states these are temporary factors with no material change to the core underlying profitability of the business
  • Revenue has maintained continuous growth, supported by expanding client demand for administrative efficiency rationalization
  • Quarterly revenue hit all-time record highs and remained broadly strong, with quarterly profit volatility reflecting ongoing investment and business progress
  • The company continued investing in human capital and DX to build a foundation for medium- and long-term revenue expansion

• Initiative Progress by Segment

  • Financial Solutions: Working to diversify revenue opportunities by expanding service scope for existing clients
  • Real Estate Solutions: Prioritizing recovery of transaction volumes for H'OURS via client training, sales support, and strengthened follow-up to boost utilization
  • Construction Solutions: Improving productivity via better project management and utilization of the company's Vietnam base, targeting profit improvements alongside sales growth
  • Professional Services Solutions: Pilot programs for the AI inheritance diagram generation tool "AI Inheritance Mitsuro-kun" are progressing steadily at financial institutions and local governments, with adoption cases accumulating steadily

• Medium-Term Management Plan 2027 Progress

  • The plan is positioned as a period of business structure transformation (rather than incremental growth) focused on improving long-term profitability and growth
  • The 2026 February term was focused on building foundational capabilities for transformation, with steady progress on work standardization, operations center development, talent investment, and organizational strengthening
  • 2026 February term investment focused on human capital, R&D, and business development to lay the groundwork for future growth, with all planned foundational investments completed as scheduled
  • Starting from the 2027 February term, the company will shift to a phase of accelerating existing initiatives to drive productivity improvements and deliver tangible growth results

• For the 2027 February term, management projects full year consolidated revenue of 6.211 billion yen (22.3% year-over-year growth), operating profit of 0.624 billion yen (93.2% year-over-year growth), ordinary profit of 0.619 billion yen, and net income attributable to parent company shareholders of 0.425 billion yen, planning for full year revenue and profit growth
• Revenue and profit growth is expected to come from expanded service scope for existing clients, new customer acquisition, and new service launches, with large profit growth driven by the elimination of 2026 term one-time headwinds and steady improvement in core business profitability; 60% of the projected 0.497 billion yen increase in gross profit will come from the Real Estate Solutions segment
• Segment-level projections:
  • Financial Solutions: 11.6% year-over-year revenue growth to 2.173 billion yen, 10.4% profit growth to 0.876 billion yen, focused on building a less interest-sensitive revenue base via service expansion to existing clients and stronger sales for inheritance-related services
  • Real Estate Solutions: 65.8% year-over-year revenue growth to 1.364 billion yen, 567.9% profit growth to 0.197 billion yen, supported by a 3x increase in pipeline auction projects after sales team strengthening, recovery from 2026 term delays, and H'OURS growth via higher utilization, improved client experience, and unified automated operations
  • Construction Solutions: 29.3% year-over-year revenue growth to 1.656 billion yen, 71.2% profit growth to 0.201 billion yen, driven by expanded one-stop service coverage, productivity improvements from the Vietnam base, and efficiency/quality gains from AI-assisted drawing checking
  • Professional Services Solutions: 0.6% year-over-year revenue decline to 1.013 billion yen, 12.1% profit decline to 0.080 billion yen, with a medium-term focus on expanding distribution for AI-based services to drive future growth
• The company will introduce interim dividends starting in the 2027 February term, with a planned full-year annual dividend of 6 yen per share; the dividend policy prioritizes stability while maintaining ROE above the cost of capital to enable sustained shareholder returns
• The company will continue increasing investment focused on AI and system development to drive work efficiency and automation in the 2027 February term

For the 2026 February term consolidated results:

1. Financial Solutions: Revenue of 1.946 billion yen, segment profit of 0.793 billion yen. Resulted in increased revenue but decreased profit, with performance largely flat due to lower residential mortgage transaction volumes at online-only banks. Contributed 38.3% of total consolidated revenue.
2. Real Estate Solutions: Revenue of 0.822 billion yen, segment profit of -0.042 billion yen. Resulted in decreased revenue and profit, impacted by delayed real estate auction closings, one-time investment costs for the new H'OURS system, and a temporary drop in transaction volumes. Contributed 16.2% of total consolidated revenue.
3. Construction Solutions: Revenue of 1.281 billion yen, segment profit of 0.117 billion yen. Resulted in increased revenue (strong growth driven by expanding customer demand) with flat profit. The segment was the key driver of overall consolidated revenue growth. Contributed 25.2% of total consolidated revenue.
4. Professional Services Solutions: Revenue of 1.019 billion yen, segment profit of 0.091 billion yen. Resulted in increased revenue but decreased profit, due to a pullback after a one-time surge in demand for judicial scrivener support software in the prior year, which was within initial expectations. Contributed 20.1% of total consolidated revenue.

Total consolidated revenue was 5.078 billion yen, with an overall result of increased revenue but decreased profit.

• Lower residential mortgage transaction volumes at online-only banks created a headwind for Financial Solutions performance, creating sensitivity to interest rate and housing market trends
• Real Estate Solutions performance was negatively impacted by unplanned delays in real estate auction contract and settlement timelines, as well as temporary utilization declines following the launch of the new H'OURS system
• Construction Solutions has delivered strong revenue growth but has not yet translated this into profit growth, as the business works through productivity improvement initiatives
• Professional Services Solutions saw a profit decline from a normal pullback after a one-time prior-year demand surge, and AI-based new services are still in the adoption phase with uncertain near-term revenue contribution

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