Anshin Guarantor Service Co.,Ltd. (7183) Stock Price

Anshin Guarantee is a company that provides rent debt guarantees for lease agreements. Specifically, by taking on the role of joint guarantor as a corporate entity, the company aims to reduce friction between tenants and personal guarantors, while revitalizing the real estate rental industry.

The company offers guarantee products such as "Life Anshin Plus" and "Anshin Plus." These are "advance payment-type" guarantee products in which Anshin Guarantee makes full advance payments to real estate management companies before tenants pay rent. This structure reduces the administrative burden and collection risk for landlords.

"Life Anshin Plus" is a product realized through a partnership with Life Card, where the credit card company advances the rent payment. In contrast, "Anshin Plus" is a product where Anshin Guarantee itself advances the rent. Both operate on a fee-based business model, establishing a stable revenue foundation.

Additionally, Anshin Guarantee is a member of CIC, a credit information agency, and hedges collection risk by accurately assessing applicants' payment capacity. This enables the company to maintain high underwriting capabilities and provide reliable services.

The company also offers delinquency-reporting products. These are services in which Anshin Guarantee receives notification from real estate management companies when tenants fall behind on rent and makes payment on their behalf. This reduces landlord risk and provides a secure environment for rental property management.

Anshin Guarantee is a company that provides rent payment guarantees for lease agreements by taking on the role of joint guarantor as a corporate entity. The company aims to revitalize the real estate rental industry and pursue institutional guarantee adoption and enhanced corporate value through the expansion of its rent guarantee business.

As part of its medium to long-term management strategy, the company is promoting market development in the general property sector. The company positions high-value-added guarantee schemes as its competitive advantage, including co-branded products with credit card companies that offer reward points and advance payment guarantees that prevent landlord payment defaults.

Anshin Guarantee is also strengthening sales of co-branded products with credit card companies and improving credit assessment accuracy through designated credit information agencies. Through these initiatives, the company aims to enter untapped market segments and diversify its business portfolio and revenue streams.

Priority challenges include strengthening sales capabilities, reviewing debt management practices, improving operational efficiency through digital transformation, securing and developing talent, and strengthening internal controls. Through these measures, the company aims to achieve sustainable business operations and earn trust from society.