eGuarantee,Inc. (8771) Stock Price

E-Guarantee operates primarily in the credit guarantee business. The company assumes the risk of uncollected receivables arising from business-to-business transactions and provides credit guarantees. This enables companies to mitigate the risk of counterparty insolvency.

The company maintains sales offices nationwide and has established an extensive distribution network through partnerships with regional banks, major financial institutions, trading companies, leasing companies, and credit unions. Leveraging this network, the company is expanding credit risk assumption across enterprises throughout Japan.

When assuming credit risk, E-Guarantee analyzes and assesses risk based on corporate credit information. The company then securitizes this risk across multiple funds and financial institutions, enabling risk transfer. In this way, the company functions as a market maker.

The company offers two types of services: "Guarantee Services for Business Corporations" and "Guarantee Services for Financial Institutions." For business corporations, the company assumes uncollected risk on sales receivables and export receivables, providing both blanket and individual guarantees. This allows companies to minimize uncollected receivables risk.

For financial institutions, the company's guarantee service assumes credit risk on various receivables held by financial institutions. This service, called "Risk Market Service (RMS)," provides a market for securitizing credit risk held by financial institutions. This enables financial institutions to expand service offerings to new counterparties.

E-Guarantee focuses its growth strategy on credit guarantee services. The company assumes credit risk in business-to-business transactions, helping companies mitigate the risk of counterparty insolvency. Through this, the company aims to encourage new business initiatives and contribute to the growth of a vibrant economy.

Under its medium-term management plan "Accelerate2028," the company pursues accelerated growth by enhancing its credit risk underwriting capacity and increasing resource allocation. Specifically, it strengthens risk underwriting through its proprietary corporate database, increases sales resources, and pursues efficient revenue growth via digitalization. The company also expands its customer base by introducing new distribution channels and products.

E-Guarantee further strengthens its underwriting capabilities by expanding its credit information database and promotes business development leveraging this database. By conducting quantitative and qualitative analysis of credit risk and implementing flexible pricing, the company aims to expand credit risk underwriting.

The company also prioritizes improving contract retention rates and contract value increases. By enhancing service offerings to existing customers and increasing added value beyond guarantee functions, it seeks to improve customer satisfaction and drive contract retention and higher contract values. The company also strengthens back-office operations and systems to handle increased contract volumes.

The company emphasizes smooth service delivery through digital technology, expanding its customer base through web-based products and improving underwriting speed. This enables companies operating in different business environments to access the company's services anytime and anywhere when they need to mitigate risk.

E-Guarantee expands its customer base through increased sales resources and improved sales efficiency to meet growing demand for guarantee services. The company also pursues new value creation through expanded guarantee coverage and entry into adjacent businesses, aiming to increase overall business scale.

Strengthening shareholder returns and improving capital efficiency are also key priorities. The company targets a dividend payout ratio of 50% or higher and continues progressive dividend payments. Additionally, through expanded growth investments, the company develops the credit risk underwriting market for business-to-business transactions and builds brand recognition.