Information Planning Co.,LTD.【JP:3712】Stock Price

Our group operates an information planning business focused on providing operational support services to financial institutions. We specialize in planning, developing, selling, and implementing package software that supports credit risk management, collateral valuation, credit rating, lending support, and sales support.

Our primary customers are financial institutions such as banks and credit unions. In addition to software sales, we generate revenue through data entry services during implementation, maintenance and data update contracts, implementation support, and business improvement consulting. We secure recurring revenue through maintenance and data update services, while our consolidated subsidiaries also provide stable revenue through real estate rental income.

Our business is divided into two main segments: "Systems Business" and "Real Estate Rental Business." The Systems Business comprises a systems development division and an operations support division. The development division provides and customizes various business support software, while the support division handles maintenance, provides nationwide database updates, performs data entry services, and manages strict information security.

The company aims for stable growth and maximum corporate value. Its management targets include an operating profit margin of 30% or higher on sales and per-employee sales of 20 million yen or more. In the most recent period, the company achieved an operating profit margin of 41.8% and per-employee sales of 25.8 million yen. The core growth strategy focuses on maintaining market share among existing regional financial institution customers and strengthening the revenue base through expanded recurring income. The company will secure stable earnings through specific initiatives including expanded maintenance and data update contracts, standardized implementation services, and monetization of implementation support offerings.

Priority investment areas are credit risk-related systems and sales promotion solutions that integrate these systems. The company will expand its product lineup by linking core products—collateral real estate valuation management, corporate credit ratings, and self-assessment support—through a database, and providing one-stop support for sales-side operations including loan approval support, contract document creation support, and project management. The company differentiates itself through specialized expertise in accounting, taxation, and finance, combined with operational support including nationwide databases and data entry outsourcing. Leveraging these strengths, the company is also expanding horizontally into fixed asset management and settlement support for general affairs and accounting departments.

For new market development, the company plans to expand sales channels to major banks and pursue cross-selling to general affairs, accounting, and human resources departments within financial institutions. Building on its strong market share and customer trust among regional financial institutions, the company will strengthen customized proposals and implementation support for major banks. Sales channels will include enhanced direct sales, partnerships with existing partners, and bundled offerings of business improvement consulting. The company will also utilize stable rental income from real estate leasing to secure investment capacity for business expansion.

Regarding technological innovation, the company will progressively transition to designs based on generative text creation technology, character recognition technology (AI and OCR), web-based platforms, and cloud-based data storage and utilization. Specifically, the company plans to pilot automatic draft generation of loan approval documents and contracts using AI, and rapid digitization of handwritten and paper documents using AI-OCR, with successful features incorporated into core products. Alongside these technology implementations, the company will strengthen security measures and data management systems, and invest in talent recruitment and training to advance both technological and operational expertise.