Nippon Insure（5843 TSE Standard）
＋English Summary on This Page
Engaged in guarantee business for rent, nursing expenses and hospitalization expenses debt
Engaged in Guarantee Business Centered on Rent Debt Guarantee Services
Nippon Insure specializes in the guarantee business and is a member of a franchise that operates coin-operated laundries and fitness clubs. The guarantee business accounted for 92.5% of net sales in fiscal year ended September 2022, while other businesses accounted for 7.5%.
The guarantee business provides debt guarantee services for rental housing, nursing care expense debt guarantee services, and hospitalization fee debt guarantee services. About 90% of revenue from this business segment comes from rent debt guarantee services.
The rent debt guarantee service provides a service that also serves as a joint guarantor for tenants in rental housing lease agreements. The company receives applications from potential tenants who wish to move into a property through a real estate management company and conducts an evaluation to determine whether a contract is possible with the tenants. When a tenant is delinquent on rent, the company performs subrogated payments to the real estate management company and collects the rent that was subrogated from the delinquent tenant.
The rent debt guarantee service plan is based on three types of guarantees: residential use, business use and parking lot/container use. The estimate is that residential use accounts for the majority of revenue, while business use accounts for about 30%. In addition, about two-thirds of revenue is spot-type revenue which is the initial guarantee fee, and about one-third is stock-type revenue such as renewal guarantee fees. Since stock-type revenue increases over time and initial guarantee fees and renewal guarantee fees are prorated to net sales over the contracted period rather than when they were received, it is easy to forecast the company’s business performance.
In its nursing expense debt guarantee service, a nursing facility user and Nippon Insure conclude a guarantee consignment agreement. Since the company becomes a joint guarantor for the facility user, it assumes the risk of delinquency, such as for nursing facility usage fees. In the hospitalization expense debt guarantee service, the company undertakes the risk of unpaid hospitalization expenses by becoming a joint guarantor of a hospitalized person.
Engaged in Guarantee Business Centered on Rent Debt Guarantee Services
Nippon Insure specializes in the guarantee business and is a member of a franchise that operates coin-operated laundries and fitness clubs. The guarantee business accounted for 92.5% of net sales in fiscal year ended September 2022, while other businesses accounted for 7.5%.
The guarantee business provides debt guarantee services for rental housing, nursing care expense debt guarantee services, and hospitalization fee debt guarantee services. About 90% of revenue from this business segment comes from rent debt guarantee services.
The rent debt guarantee service provides a service that also serves as a joint guarantor for tenants in rental housing lease agreements. The company receives applications from potential tenants who wish to move into a property through a real estate management company and conducts an evaluation to determine whether a contract is possible with the tenants. When a tenant is delinquent on rent, the company performs subrogated payments to the real estate management company and collects the rent that was subrogated from the delinquent tenant.
The rent debt guarantee service plan is based on three types of guarantees: residential use, business use and parking lot/container use. The estimate is that residential use accounts for the majority of revenue, while business use accounts for about 30%. In addition, about two-thirds of revenue is spot-type revenue which is the initial guarantee fee, and about one-third is stock-type revenue such as renewal guarantee fees. Since stock-type revenue increases over time and initial guarantee fees and renewal guarantee fees are prorated to net sales over the contracted period rather than when they were received, it is easy to forecast the company’s business performance.
In its nursing expense debt guarantee service, a nursing facility user and Nippon Insure conclude a guarantee consignment agreement. Since the company becomes a joint guarantor for the facility user, it assumes the risk of delinquency, such as for nursing facility usage fees. In the hospitalization expense debt guarantee service, the company undertakes the risk of unpaid hospitalization expenses by becoming a joint guarantor of a hospitalized person.
概要（レポートから抜粋）
ニッポンインシュアは、保証事業とフランチャイズに加盟しコインランドリーとフィットネスクラブの運営を行っている。22/9期においては、保証事業が売上高の92.5%、その他（コインランドリーとフィットネスクラブ）が7.5%を占めた。
保証事業では賃貸住宅の家賃債務の保証を行なう「家賃債務保証サービス」、「介護費債務保証サービス」、「入院費債務保証サービス」を提供している。
同事業の収入の約9割は家賃債務保証サービスからであり、残りは介護費債務保証サービスと入院費債務保証サービスからとなる。
介護費債務保証サービスと入院費保証サービスは19年10月から提供を開始されたが、開始直後から新型コロナウイルス感染症が拡大した。このため、感染症対策が厳しい介護施設や病院といった先への営業活動が制限されたことから、売上割合が低い水準にとどまっている。
保証事業では賃貸住宅の家賃債務の保証を行なう「家賃債務保証サービス」、「介護費債務保証サービス」、「入院費債務保証サービス」を提供している。
同事業の収入の約9割は家賃債務保証サービスからであり、残りは介護費債務保証サービスと入院費債務保証サービスからとなる。
介護費債務保証サービスと入院費保証サービスは19年10月から提供を開始されたが、開始直後から新型コロナウイルス感染症が拡大した。このため、感染症対策が厳しい介護施設や病院といった先への営業活動が制限されたことから、売上割合が低い水準にとどまっている。
