YAMADA SERVICER SYNTHETIC OFFICE
4351・Standard Market・Other Financing Business
Servicer Business
Core business handling debt purchase and management/collection operations as a Minister of Justice-licensed debt collection company
| Period | Current | Previous | Change |
|---|---|---|---|
| Revenue (Q1 FY2026 (ending December 2026)) | ¥114 million | ¥88 million (Q1 FY2025 (ending December 2025)) | ↑ |
| Segment profit (Q1 FY2026 (ending December 2026)) | ¥8 million | ¥1 million (Q1 FY2025 (ending December 2025)) | ↑ |
| Segment profit margin (Q1 FY2026 (ending December 2026)) | 7.3% | 1.2% (Q1 FY2025 (ending December 2025)) | ↑ |
| Purchased receivables balance (period-end) | ¥3,520 million (end of March 2026) | ¥3,425 million (end of December 2025) | ↑ |
Business Details
As a servicer licensed by the Minister of Justice under the Act on Special Measures Concerning Claim Management and Collection Businesses, the Company purchases specified monetary claims from financial institutions and other entities and collects them itself, and also undertakes debt management and collection operations outsourced by financial institutions, investors, funds, and others. In addition to due diligence, debt management, and collateral collection, the Company also operates, as a subsidiary business, consulting services such as business revitalization, personal rehabilitation, and business closure support, real estate and debt due diligence services, and brokerage/sale of specified monetary claims.
Recent Overview
Collection from existing purchased receivables progressed largely as planned, with both revenue and profit improving significantly year-on-year
In Q1 of FY2026 (ending December 2026) (January-March 2026), collection from existing purchased receivables progressed largely smoothly, resulting in revenue of ¥114 million (up 29.8% year-on-year) and segment profit of ¥8 million (up 719.0% year-on-year). The balance of purchased receivables also increased by ¥94 million from the end of the prior fiscal year to ¥3,520 million, building up future collection resources.
Key Products
Growth Drivers
- Continued acquisition of proceeds from collateral property sales as collection of secured receivables progresses
- Expansion of outsourced projects driven by increasing needs among financial institutions to address rescheduled and problem loans
- Acquisition of business revitalization projects through strengthened collaboration with SME revitalization support councils
- Continued securing of debt purchase opportunities centered on megabanks and regional financial institutions
- Increased demand for non-performing loan resolution and business revitalization as problems related to COVID-19 relief loans surface
Risks
- Risk of period-to-period revenue fluctuation due to delays in the timing of collateral property sales
- Risk of deteriorating purchase profitability due to persistently high transaction prices in the debt sale market
- Risk of shrinking future collection income as the balance of purchased receivables declines
- Risk of business constraints from amendments to or tightening of servicer-related laws and regulations
- Risk that business revitalization projects are highly individualized, making continuous project acquisition difficult
Last updated: March 27, 2026