Escrow Agent Japan, Inc.
6093・Standard Market・Services
Financial Solutions Business
Core segment providing housing loan and inheritance procedure support services for financial institutions
| Period | Current | Previous | Change |
|---|---|---|---|
| Segment Revenue (Cumulative Q1, FY2027 ending Feb 2027) | ¥466 million | ¥434 million (Cumulative Q1, FY2026 ending Feb 2026) | ↑ |
| Segment Profit (Cumulative Q1, FY2027 ending Feb 2027) | ¥241 million | ¥183 million (Cumulative Q1, FY2026 ending Feb 2026) | ↑ |
| Segment Profit Margin (Cumulative Q1, FY2027 ending Feb 2027) | approx. 51.8% | approx. 42.2% (Cumulative Q1, FY2026 ending Feb 2026) | ↑ |
| Segment Revenue (Full Year, FY2026 ending Feb 2026) | ¥1,947 million | — | — |
| Segment Profit (Full Year, FY2026 ending Feb 2026) | ¥793 million | — | — |
Business Details
Provides various services to financial institutions that contribute to convenience, safety, and operational efficiency in housing loan administration and inheritance procedures, through the cloud system "EPS (Escrow Platform System)". The consolidated subsidiary Mitra Trust Co., Ltd. operates Trust Services / Inheritance Procedure Agency Services, addressing needs for settlement safety assurance and asset protection. This is the largest segment, accounting for approximately 37% of group-wide revenue, and boasts a high-margin revenue base.
Recent Overview
Achieved revenue and substantial profit growth driven by an increase in trust service contracts
In Q1 of FY2027 (ending March 2027) (March to May 2026), trust fee income increased primarily due to a rise in the number of contracts in trust services, resulting in segment revenue of ¥466 million (up 7.3% year on year) and segment profit of ¥241 million (up 31.8% year on year). The profit margin improved significantly to approximately 51.8%, up from approximately 42.2% in the same period of the prior year. Note that effective March 1, 2026, the company's trade name was changed from Escrow Agent Japan Co., Ltd. to Mitra Group Co., Ltd., and the consolidated subsidiary trust company was also renamed Mitra Trust Co., Ltd.
Key Products
Growth Drivers
- Expansion of services provided to internet-based financial institutions (such as SBI Sumishin Net Bank) and acquisition of new customers
- Business expansion of inheritance and end-of-life planning services amid continued demand growth
- DX support for professional service providers, leveraging synergies between EPS (cloud system) and subsidiary Sam Poronia
- Deepening penetration of the inheritance-related market through focus on family register collection and relationship diagram services
- Capturing demand for operational efficiency through promotion of non-face-to-face, digital, and automated housing loan processes
Risks
- Business performance is linked to trends in the number of housing loans handled by financial institutions, creating a risk of declining housing demand amid rising interest rates
- Credit risk from deteriorating business and financial conditions at some business partners (a bad debt allowance of over ¥100 million was recorded at the end of the prior consolidated fiscal year, with a partial reversal in the current first quarter)
- Risk that rising housing loan interest rates increase housing acquisition costs, suppressing housing demand
- Risk of stagnation in the real estate market due to sustained high land prices and rising construction costs
- Risk of service substitution due to financial institutions' in-house system development or competition from rival companies
Last updated: May 22, 2026