Information Planning CO.,LTD.
3712・Standard Market・Information & Communication
Systems Business
Core business centered on credit risk management systems for financial institutions
| Period | Current | Previous | Change |
|---|---|---|---|
| Net sales (Systems Business, first-half cumulative) | ¥2,061 million | ¥1,800 million | ↑ |
| Segment profit (operating profit, first-half cumulative) | ¥887 million | ¥773 million | ↑ |
| Segment profit margin (first half) | 43.0% | 42.9% | — |
| System Integration net sales (first half) | ¥1,234 million | ¥1,019 million | ↑ |
| System Support net sales (first half) | ¥827 million | ¥782 million | ↑ |
Business Details
The segment targets banks, credit unions (shinkin banks), and credit cooperatives as its primary customers, and consists of two divisions: the "System Integration Division," which plans, develops, sells, customizes, and provides consulting for packaged business support systems related to credit risk management, and the "System Support Division," which handles maintenance, data provision, and proxy data entry for previously sold systems. This segment accounted for approximately 94.0% of consolidated net sales in the first half of FY2026 (ending September 2026), and the company maintains a high market share and a stable business foundation.
Recent Overview
Multiple products for financial institutions achieved substantial revenue growth; first-half net sales rose 14.5% year on year
In the first half of FY2026 (ending September 2026) (October 2025–March 2026), Systems Business net sales were ¥2,061 million (up 14.5% year on year), and segment profit was ¥887 million (up 14.8% year on year). The Comprehensive Financial Statement Reading System, Loan Approval Support System, and Self-Assessment Support System all achieved substantial revenue growth. Robust business conditions at financial institutions, supported by the Bank of Japan's policy interest rate hikes, have underpinned system investment appetite.
Key Products
Growth Drivers
- Increase in renewal orders for the Comprehensive Financial Statement Reading System from regional banks and major credit unions (shinkin banks)
- Expansion of sales of the Loan Approval Support System to major credit unions (shinkin banks)
- Securing of a project for the Self-Assessment Support System from the JA Group
- Steady order intake for the Collateral Real Estate Valuation Management System from major financial institutions and regional banks
- Robust business conditions at financial institutions and rising system investment appetite driven by the Bank of Japan's policy interest rate hikes
- Stable revenue growth in the System Support Division driven by roadside land price data delivery and progress in system implementations
Risks
- Risk of curtailed system investment due to deteriorating business conditions at financial institutions (the primary customer base), amid factors such as rising prices and increasing counterparty bankruptcies
- Customer concentration risk arising from revenue dependence on Shinso Joho Service Co., Ltd.
- Risk of declining competitiveness due to delayed response to IT technological innovation (such as generative AI)
- Risk of weakened development and support capabilities due to difficulty securing and retaining talented personnel
- Risk of fluctuating demand for system modifications due to changes in financial regulations and accounting standards
- Risk of curtailed investment by financial institutions due to heightened uncertainty in the global economy, including the situation in the Middle East
Last updated: December 17, 2025