J-Lease
Basic Information
- Stock Code
- 7187
- Industry
- Other Financial Services
- Category Detail
- Consumer & Business Finance
- Prefecture
- Oita Prefecture
- Establishment Year
- February 2004
- Listing Year
- June 2016
- Official Website
- https://www.j-lease.jp/
- TSE Information
- TSE Information
- Yahoo! Finance
- Yahoo! Finance
- Other Companies
- Nippon Insua, Zenho-Ren, Zenkoku Hosho, Anshin Hosho, Intrast, Casa, e-Guaranty
Overview
J-Lease is a leading company from Oita Prefecture, founded in 2004, with rental debt guarantee as its core business and possessing one of the largest branch networks in the guarantee industry.
Current Situation
J-Lease recorded consolidated sales of approximately 13.2 billion yen and operating profit of approximately 2.6 billion yen in the fiscal year ending March 2024, maintaining sustainable growth. Centering on the rental debt guarantee business, it is diversifying into medical expense guarantees and child support guarantees, expanding its competitiveness and market share in the guarantee-related market. Leveraging its robust network of 36 bases nationwide, it deploys services to a wide customer base with a regional focus. It is concentrating on developing credit screening logic using advanced technologies including AI and strengthening systems. It also gives consideration to employee health, having been certified as a Health Management Excellence Corporation. It has set goals for expanding credit guarantees and contributing to the formation of a sustainable society toward 2030, while strengthening its business foundation through real estate-related subsidiaries and environmental inspection system businesses. It actively implements CSR activities such as sports support for the local community, aiming to differentiate from competitors while envisioning future growth.
Trivia
Interesting Facts
- Company founded in Oita Prefecture in 2004 and expanded nationwide
- Holds the largest network of 36 bases in the rent guarantee industry
- Diversified company also operating medical expense and child support guarantee businesses
- Holds No. 1 industry market share in environmental inspection systems business
- Operates regional youth soccer club J-Lease FC
- Certified as Health Management Excellence Corporation (large corporation category) in 2024
- Oita City's athletic stadium named 'J-Lease Stadium'
- CM featuring Mano Kan nosuke won ACC Bronze Award
- Established General Incorporated Foundation J-Lease Scholarship Fund for social contribution
- Selected for JPX Nikkei Small and Mid-Cap Index in 2024
- Focusing on AI screening logic development for non-continuous growth
- Started credit card guarantees through alliance with JR West Japan Group
- High popularity among inbound foreigners for multilingual real estate brokerage
- Intense market competition with multiple rivals including Zenkoku Hosho
- Grown from Oita-based startup to nationwide listed company since founding
Hidden Connections
- Deeply collaborates with Oita Trinita and regional sports clubs, contributing to sports promotion
- Built medical expense guarantee network with Japan Red Cross Society and Saiseikai Group hospitals
- Collaborates with local governments to promote child support guarantee policies, contributing to administrative support
- Expanding environmental inspection systems business, linking local industries with environmental conservation
- Built partnerships with local banks and financial institutions, involved in regional finance revitalization
- Focusing on social reintegration support for mid-career visually impaired through scholarship fund
- Alliance with JR West Japan Group creates possibilities for new guarantee business expansion
- Strengthens support for inbound tourists and foreign residents through multilingual real estate services
Future Outlook
Growth Drivers
- Market expansion of diversified guarantee businesses
- Operational efficiency improvement through AI and digital technology introduction
- Human resource strengthening through health management promotion
- Social trust through strengthened collaborations with local governments and medical institutions
- Growth in real estate-related business for inbound foreigners
- Sustainability promotion toward building sustainable society
- Development and market penetration of new guarantee services
- High market evaluation as Tokyo Stock Exchange Prime Market listing
- Deepening customer base through regionally focused sales strategy
- Expansion in medical expense and child support guarantee fields
- Improved brand image through CSR activities
- Acceleration of digital transformation
Strategic Goals
- Achieve over 20 billion yen in sales from guarantee-related businesses
- Establish credit service system utilizing AI and digital technology
- Expand nationwide network bases to over 50 locations
- Improve ESG metrics toward realizing sustainable society
- Multifaceted expansion into new guarantee business domains
- Continue and level up Health Management Excellence Corporation certification
- Brand strengthening through regional community and sports support
- Explore overseas expansion possibilities for globalization対応
- Maintain domestic top market share in environmental inspection systems business
- Enhance and expand multilingual real estate services
Business Segments
Rental Guarantee Business
- Overview
- Provides rent guarantees and credit screening services for real estate rentals, reducing credit risk for landlords and tenants.
- Competitiveness
- Extensive network of 36 bases nationwide and regionally focused services
- Customers
-
- Real estate management companies
- Landlords
- Real estate brokers
- Rental brokerage companies
- Local governments
- Public interest corporations
- Products
-
- Rent guarantee service
- Guarantee screening system
- Debt management agency
- Risk analysis tools
- Guarantee fee collection agency
Medical Expense Guarantee Business
- Overview
- Guarantees patient medical expense non-payment risk for medical institutions, supporting stable hospital management.
- Competitiveness
- Strong partnerships with Japan Red Cross Society and Saiseikai Group
- Customers
-
- Hospitals
- Medical institutions
- Corporate welfare divisions
- Financial institutions
- Products
-
- Medical uncollected payment guarantee
- Hospitalization rental linkage service
- Medical expense payment agency service
Child Support Guarantee Business
- Overview
- New guarantee service that reduces child support payment delay risk and supports trust maintenance among related parties.
- Competitiveness
- Flexible product design supporting three-party and two-party contracts
- Customers
-
- Child support recipients
- Child support payers
- Local governments
- Welfare organizations
- Products
-
- Child support guarantee plan
- Collection agency service
- Contract management system
Real Estate Brokerage and Management Business
- Overview
- Comprehensive real estate services accommodating diverse customer segments, addressing regional needs and inbound foreign visitors.
- Competitiveness
- Multilingual staff and proprietary property management system
- Customers
-
- Rental owners
- Corporate customers
- Foreign residents
- Real estate investors
- Products
-
- Rental brokerage
- Property management
- Multilingual services
- Monthly operations
Environmental Inspection and System Development Business
- Overview
- Boasts high market share and technological strength in environmental inspection system development.
- Competitiveness
- Industry-leading packaged software provision
- Customers
-
- Environmental inspection agencies
- Local governments
- Manufacturing industry
- Research institutions
- Products
-
- Environmental inspection software
- Custom system development
- Packaged software sales
Competitive Advantage
Strengths
- Extensive sales network with 36 bases nationwide
- Revenue stabilization through diversified guarantee businesses
- Introduction of advanced credit screening technology
- Long-standing regionally focused services
- Diverse lineup of guarantee products
- Presence of strong real estate-related subsidiaries
- Differentiation through medical institution partnerships
- Sound financial base and growth potential
- Excellent health management promotion system
- Brand strengthening through sports and social contribution activities
- Flexible contract format support
- Industry-leading market share in environmental systems business
- Abundant customer base and transaction track record
- Stable leadership from management team
- Foreign customer segment development through multilingual support
Competitive Advantages
- Possesses one of the largest nationwide base networks in the rental debt guarantee business
- Risk diversification and revenue base strengthening through multiple guarantee businesses
- Achieves differentiation and market expansion with new businesses in medical expenses and child support guarantees
- Unique business model combining regional focus and nationwide expansion
- Advanced credit screening and cost reduction through AI utilization
- Initiatives to enhance corporate value such as sustainability and health management
- Revenue diversification through subsidiary real estate management and brokerage business
- Trust gained based on abundant partners and strong relationship building
- Business expansion leveraging tailwinds from legal amendments and institutional changes
- Enhanced brand recognition through active regional sports support
- Strong compliance response in finance and real estate sectors
- Flexible product offerings and contract formats tailored to customer needs
- Promotion of new service development through capital and business alliances
- Solid financial operations and capital policies within the industry
- Superior differentiation from competitors through multifaceted service deployment
Threats
- Intensifying price competition from competitors
- Risk of strengthened legal regulations on guarantee operations
- Potential for bad debt occurrence due to increased credit risk
- Uncertainty in rental market due to economic fluctuations
- Changes in demand trends due to declining birthrate and aging population
- Market share capture by new entrants
- Risk of property value decline due to disasters
- Increased system investment burden accompanying technology advancements
- Security risks such as information leaks
- Impact of exchange rate fluctuations on overseas transactions
- Competitive disadvantage due to delays in market IT and online transformation
- Risk of customer loss due to loss of social trust
Innovations
2024: AI Utilization Started in Credit Screening
- Overview
- Partnered with Second Sight Analytics to introduce AI-based credit screening logic.
- Impact
- Achieved improved screening accuracy and operational efficiency.
2023: Expansion of Child Support Guarantee Business
- Overview
- Newly established two-party contract product to enhance user convenience.
- Impact
- Contributed to market expansion and accelerated new customer acquisition.
2024: Launch of Monitoring Service with Chubu Electric Power Group
- Overview
- Collaborated with Chubu Mirai Connect to launch tenant monitoring service.
- Impact
- Created new value as elderly peace-of-mind support service.
2022: Subsidiary Acquisition of Environmental Inspection System-Related Business
- Overview
- Acquired all shares of Ebis Co., Ltd. to strengthen system development domain.
- Impact
- Promoted market share expansion in environmental sector.
2023: Selected for JPX Nikkei Small and Mid-Cap Index
- Overview
- Selected also in fiscal 2023, increasing attention in the stock market.
- Impact
- Contributed to fundraising and improved recognition.
2020: Launch of Medical Expense Guarantee Service
- Overview
- Launched J-Hospital service to address medical uncollected payments issue.
- Impact
- Contributed to stable management of medical institutions.
2021: Conclusion of Capital and Business Alliance
- Overview
- Implemented capital and business alliance with Marunouchi Yorozo and Wellon Solutions.
- Impact
- Strengthened new service development.
2024: Introduction of New Personnel System to Strengthen Human Capital
- Overview
- Promotes employee capability development to enhance organizational strength.
- Impact
- Contributes to improved retention and organizational revitalization.
2023: Launch of J-WEST Card Plan
- Overview
- Jointly developed credit guarantee service with JR West Japan Group.
- Impact
- Contributed to customer base expansion.
2024: Launch of Support Plan for Earthquake Disaster Victims in Local Areas
- Overview
- Implemented guarantee fee reduction support plan for disaster victims to strengthen social contribution.
- Impact
- Deepened ties with local communities and improved corporate image.
Sustainability
- Certified as Health Management Excellence Corporation by Ministry of Economy, Trade and Industry
- Certified as Health Management Business by Oita Prefecture
- Certified as Sports Cheer Company by Agency for Cultural Affairs Sports Division
- Deployment of guarantee fee reduction support program for disaster areas
- Guarantee service provision in collaboration with local governments
- Employee health checkups and vaccination subsidies for health promotion
- Support for disabled persons through J-Lease Scholarship Fund
- Strengthened social contribution through regional sports club support
- Promotion of environmental protection via environmental inspection systems business
- Support for sustainable real estate transactions
- Support for inbound foreigners through multilingual services
- Reduced environmental burden and improved efficiency through system development