Information Planning CO.,LTD.
3712・Standard Market・Information & Communication
Business
Joho Kikaku Co., Ltd. was founded in 1986 and consists of two segments: the Systems Business, whose core operations are the planning, development, sales, and maintenance of packaged systems specialized in credit risk management operations for financial institutions, and the Real Estate Leasing Business, aimed at the effective utilization of available funds. Its main customers are regional financial institutions such as regional banks, shinkin banks, and credit unions, and it offers a lineup of more than 30 packaged products covering the entire credit risk management process, including the Collateral Real Estate Valuation Management System, a corporate rating system, and the Comprehensive Financial Statement Reading System. Listed on the Standard Market of the Tokyo Stock Exchange.
Business Model
The Systems Integration division builds up revenue through new package system sales, customization, and renewals, while the Systems Support division secures stable recurring revenue through annual maintenance contracts—such as roadside land price data updates and rating function updates—and proxy data entry operations. In FY2025 (ended September 2025), Systems Support division sales reached ¥1,290 million (35.9% of the Systems Business), with stock-type revenue underpinning a high profit margin of 41.3%. The Real Estate Leasing Business, operated debt-free using the company's own funds, supplementarily adds stable rental income.
Company Strengths
Since its founding in 1986, the company has specialized in credit risk management for financial institutions, developing over 30 packages including collateral real estate valuation management, corporate credit rating, and self-assessment support. It holds a very high system usage share among regional financial institutions, and has concluded a sublicensing agreement for a jointly-used system for credit unions nationwide through Shinso Joho Service Co., Ltd., forming a stable business foundation.
In FY2025 (ended September 2025), the operating margin was 41.8% and sales per employee was ¥25.8 million, both substantially exceeding the company's own targets (operating margin of 30% or more and sales per employee of ¥20 million or more). Net sales, operating profit, and net income have all increased for four consecutive fiscal periods, confirming the sustainability of the company's highly profitable structure.
The company maintains completely debt-free management, with no borrowings from financial institutions, and cash and cash equivalents of ¥2,847 million at the end of FY2025 (ended September 2025). Capital expenditures of ¥654 million, including real estate acquisitions, were fully funded through internal resources, achieving both financial soundness and investment capacity. Total net assets reached ¥6,951 million.
ENVALITH's Perspective
Performance Trend
Revenue grew for five consecutive periods, rising from ¥3,148 million in FY2021 to ¥3,844 million in FY2025. In H1 FY2026 (ending September 2026), revenue reached ¥2,193 million (up 14.5% year on year), operating income was ¥911 million (up 14.8%), and net income attributable to owners of the parent for the interim period was ¥660 million (up 19.7%), indicating accelerating growth. As an external factor, robust business conditions at financial institutions stemming from the Bank of Japan's policy rate hikes have boosted demand for system investment, with the Comprehensive Financial Statement Reading System, Loan Approval Support System, and Self-Assessment Support System all posting substantial revenue growth. The full-year forecast is set conservatively at revenue of ¥4,100 million (up 6.7% year on year) and operating income of ¥1,540 million (up 0.2%). The equity ratio improved to 86.9% (from 82.6% at the end of the previous fiscal year), further strengthening the financial foundation.
Growth Strategy
Sustainable growth driven by four pillars: deepening credit risk management solutions, expanding into major banks, growing the real estate portfolio, and strengthening shareholder returns
Renewal projects for the Comprehensive Financial Statement Reading System at regional banks and major credit unions (shinkin), expanded sales of the Loan Approval Support System to major credit unions, and rollout of the Self-Assessment Support System to JA Group entities all contributed to substantial revenue growth in the first half of FY2026 (ending September 2026). The company will continue to pursue both renewal demand from existing customers and acquisition of new customers as twin growth drivers.
The Collateral Real Estate Valuation Management System, the company's core system, continues to win orders steadily from major financial institutions and regional banks. Demand from financial institutions for collateral real estate valuation is rising amid the Bank of Japan's shift in interest rate policy, providing a continued tailwind. The company will drive growth in the Systems Integration segment by expanding and deepening its customer base.
The company continues to acquire properties using its own funds without incurring debt, recording ¥901 million in capital expenditures for property, plant and equipment in the first half of FY2026 (ending September 2026). It currently holds a total of 9 properties, comprising 5 Rental Apartments, 1 multi-level parking facility, 1 Rental Office, and 2 rental shops, and first-half rental income expanded to ¥133 million (up 14.1% year on year). The company has also implemented property replacements (sales and purchases) to improve profitability.
The company implemented a 1-for-5 stock split effective April 1, 2026, aiming to lower the investment unit price and thereby expand its retail investor base and improve share liquidity. The year-end dividend is planned at ¥12 per share after adjusting for the split (equivalent to ¥60 before the split), maintaining shareholder returns at the same level as the previous fiscal year (equivalent to ¥60 before the split).
Last updated: July 17, 2026