eGuarantee (8771) Q1 2026 earnings summary

Executive summary

• Net sales rose 13.9% year-over-year to ¥2,741 million for the quarter ended June 30, 2025, driven by new contract accumulation and high renewal rates.

• Guarantee liabilities increased 8.6% year-over-year to ¥847.6 billion.

• Ordinary profit grew 9.0% year-over-year, despite higher guarantee and reinsurance expenses and increased personnel costs.

• Operating profit increased 8.1% year-over-year to ¥1,262 million.

• Profit attributable to owners of parent grew 11.0% year-over-year to ¥865 million.

Financial highlights

• Gross profit increased 9.9% year-over-year to ¥2,031 million.

• Basic EPS was ¥18.09, up from ¥16.34 in the same quarter last year.

• Total assets decreased to ¥30,728 million from ¥33,014 million as of March 31, 2025.

• Net assets declined to ¥24,750 million from ¥26,391 million at the previous fiscal year-end.

• Profit attributable to owners of parent was ¥865 million, an 11.0% year-over-year increase.

Outlook and guidance

• Full-year FY2026/3 forecast: net sales ¥11,300 million (+10.5%), operating profit ¥5,200 million (+1.9%), ordinary profit ¥5,300 million (+1.9%), profit attributable to owners of parent ¥3,550 million (+1.7%), and basic EPS ¥74.07.

• Management expects to achieve increases in net sales and ordinary profit for 24 consecutive years.