Entrust

Basic Information

Stock Code
7191
Industry
Other Financial Services
Category Detail
Consumer & Business Finance
Prefecture
Tokyo
Establishment Year
March 2006
Listing Year
December 2016
Official Website
https://www.entrust-inc.jp/
TSE Information
TSE Information
Yahoo! Finance
Yahoo! Finance
Other Companies
Nippon Insure, Zenhōren, Zenkoku Hosho, Anshin Guarantee, J Lease, Casa, E-Guarantee

Overview

Entrust is a leading company in other financial services, established in 2006 with rent guarantee as its core business, having established a stable revenue base through diverse guarantee services.

Current Situation

Entrust provides comprehensive guarantee services such as rent guarantees and hospitalization/nursing care cost guarantees, achieving stable sales growth and profit securing in 2023. In its mainstay rent guarantee business, it differentiates itself from competitors by leveraging its unique screening system and extensive customer network. Together with competitors like Zenkoku Hosho and E-Guarantee, it leads the credit guarantee market and is focusing on developing new business areas. On the technology front, it has introduced advanced methods using IT for delinquent payer payment management to improve efficiency. In terms of sustainability, it is enhancing social trust through strengthened collaboration with local communities. In the medium to long term, it has set strategic goals of expanding its customer base and diversifying its guarantee business, anticipating stable profit securing and sustainable growth going forward.

Trivia

Interesting Facts

  • Relatively new since establishment but has rapidly expanded market share
  • Specialized in rent guarantee services while pursuing diversified business
  • Pioneer in the industry for introducing AI in delinquency management
  • Nationwide expansion centered on Tokyo
  • Maintains high customer satisfaction with diverse guarantee plans
  • Contributes to market stabilization through collaboration with competitors
  • Strong cooperative relationships with regional financial institutions
  • Rare company handling medical and nursing care expense guarantees
  • Creating new revenue sources through external sales of guarantee know-how
  • Actively fosters young talent and operates training business
  • In-house specialized legal team for swift response
  • High repeat rate from customer base
  • Maintains credit through multilayered risk management
  • IT system development strength is one of its business advantages
  • Frequently speaks at industry events to strengthen communication

Hidden Connections

  • Utilizes the same screening technology vendor as multiple competitors, advancing technology sharing
  • Partnering with regional banks to promote regional expansion of guarantee operations
  • Strengthening relationships with medical institutions through nursing care guarantee business
  • Delinquent receivable IT management system is in-house developed and approaching industry standard
  • Many employees consist of those with experience in both real estate and finance
  • Contributes to industry talent development by handling training for landlord associations and management companies
  • Risk-sharing contracts with major insurance companies for some guarantee contracts
  • Flexibly develops and provides new services based on customer requests

Future Outlook

Growth Drivers

  • Steady increase in demand from rental market
  • Expansion of medical and nursing care guarantee needs in aging society
  • Efficiency improvement in screening and guarantee services using IT technology
  • Deepening collaboration with regional banks and real estate industry
  • Business diversification through external sales of guarantee know-how
  • Expansion of guarantee products responding to diversifying customer needs
  • Promotion of nationwide普及 of guarantee services
  • New customer acquisition through improved social credit
  • Business innovation promotion through digitalization
  • Strengthening adaptability to legal regulations
  • Brand strengthening based on customer satisfaction
  • Active contribution to environmental and social issues for recognition

Strategic Goals

  • Enter top 3 in rent guarantee market
  • Expansion of medical and nursing care expense guarantee business
  • 40% improvement in operational efficiency via IT systems
  • Nationwide expansion of guarantee know-how external sales
  • Achieve sales over 10 billion yen
  • Improvement in sustainability initiative evaluations
  • Maintain customer satisfaction over 90%
  • Enhancement of regional community support programs
  • Strengthening of employee engagement
  • Advanced compliance system

Business Segments

Rent Guarantee Business

Overview
Supports the management operations of landlords and management companies with rent guarantee services for rental housing at its core.
Competitiveness
Strength in diverse guarantee plans and advanced IT management systems
Customers
  • Landlords
  • Real estate management companies
  • Rental housing owners
  • Real estate brokers
  • Housing-related companies
  • Corporate rental managers
  • Financial institutions
Products
  • Rent delinquency guarantee
  • Tenant credit screening
  • Delinquent receivable collection service
  • Rental guarantee contract support
  • Landlord risk management
  • Smart guarantee system

Medical and Nursing Care Expense Guarantee Business

Overview
Contributes to social welfare by providing guarantee services for medical and nursing care expenses.
Competitiveness
Comprehensive guarantee system leveraging rent guarantee expertise
Customers
  • Medical institutions
  • Nursing care facilities
  • Medical insurance companies
  • Welfare organizations
  • Patients and insured parties
Products
  • Hospitalization expense guarantee
  • Nursing care expense guarantee
  • Medical expense payment agency

External Sales of Guarantee Expertise

Overview
Provides guarantee know-how and systems to other financial institutions and companies.
Competitiveness
Industry-leading rent guarantee expertise and experience
Customers
  • Regional banks
  • Guarantee-related companies
  • Real estate companies
  • Financial service providers
Products
  • Guarantee operation outsourcing
  • Credit guarantee know-how provision
  • System implementation support

Debt Collection Support Business

Overview
Provides services for the swift collection of delinquent receivables.
Competitiveness
High collection efficiency utilizing the latest IT technology
Customers
  • Financial institutions
  • Real estate management companies
  • Corporate customers
  • Guarantee companies
Products
  • Delinquent receivable management system
  • Collection agency service
  • Legal procedure support

IT System Development and Operation

Overview
Develops and provides operational support for management systems tailored to guarantee businesses.
Competitiveness
Customization capabilities specialized for business needs
Customers
  • Internal business divisions
  • External guarantee providers
  • Real estate management companies
Products
  • Guarantee management system
  • Customer management platform

Risk Consulting

Overview
Advisory services on guarantee risk management and debt evaluation.
Competitiveness
Precise recommendations based on extensive guarantee practice experience
Customers
  • Landlords
  • Real estate companies
  • Corporate entities
Products
  • Risk assessment reports
  • Debt guarantee review support

Training and Seminar Business

Overview
Plans and conducts training on rent and financial guarantees.
Competitiveness
Practical education programs tailored to on-site needs
Customers
  • Real estate companies
  • Guarantee companies
  • Financial institutions
Products
  • Guarantee knowledge training
  • Latest ordinance briefing sessions

Partnership Business

Overview
Supports new product development and provision through collaboration with the insurance industry.
Competitiveness
Partnership strength from extensive industry networks
Customers
  • Insurance companies
  • Financial service companies
Products
  • Guarantee collaboration services
  • Joint product development

Real Estate Management Solutions

Overview
Provides IT solutions for improving real estate management efficiency.
Competitiveness
Integrated management possible in linkage with guarantee business
Customers
  • Real estate management companies
  • Landlords
Products
  • Management operation support tools
  • Contract management support

Credit Investigation Services

Overview
Credit information analysis services used for rental contract screening.
Competitiveness
High accuracy through utilization of multifaceted screening criteria
Customers
  • Guarantee companies
  • Real estate companies
  • Financial institutions
Products
  • Individual credit investigation
  • Corporate credit investigation

Legal Support Services

Overview
Provides legal support services related to guarantee contracts.
Competitiveness
Rapid response utilizing a network of specialists
Customers
  • Landlords
  • Real estate companies
  • Guarantee-related organizations
Products
  • Contract document creation support
  • Dispute response advice

Customer Support and Call Center

Overview
Operates a call center to handle various customer inquiries.
Competitiveness
High-quality service by specialized staff
Customers
  • Tenants
  • Landlords
Products
  • Inquiry response
  • Delinquency consultation

Competitive Advantage

Strengths

  • Diverse range of guarantee services
  • Introduction of proprietary IT screening system
  • Accumulated know-how in landlord risk management
  • Stable revenue base
  • Extensive industry network
  • Swift debt collection infrastructure
  • High customer satisfaction
  • Expanding scope of guarantee services
  • Solid financial foundation
  • Enhanced legal collaboration
  • Credit investigation capabilities based on track record
  • Customizable guarantee plans
  • Talent development through education and training
  • Flexible partnership structure
  • Regionally focused sales expansion

Competitive Advantages

  • Customer needs coverage through numerous rent guarantee plans
  • Securing competitive edge with technology-utilized delinquency management
  • Business diversification through medical and nursing care expense guarantee business
  • Broad customer base and industry collaboration foundation
  • Risk reduction via high efficiency in screening and debt collection
  • Suppression of non-performing loans with reliable screening system
  • External sales business leveraging guarantee know-how
  • Improved customer satisfaction through prompt service response
  • Specialized legal and risk consulting services
  • Environmental setup for sustainable business operations
  • Well-regarded customer support and service
  • Product development capabilities in collaboration with industry leaders
  • Improved management accuracy through real-time data utilization
  • Differentiation based on software development capabilities
  • Proven track record of strategic entry into growth markets

Threats

  • Intensifying price competition from rivals
  • Risk of rising rent delinquency rates
  • Potential business restrictions from strengthened regulations
  • Loan default concerns due to socioeconomic uncertainty
  • Impacts from natural disasters or pandemics
  • Increasing IT security risks
  • Screening risks accompanying credit information fluctuations
  • Funding impacts from financial market volatility
  • Strengthened personal information protection regulations
  • Financial strain from sudden surge in guarantee liabilities
  • Delays in responding to diversifying customer needs
  • Intensified competition from increasing new entrants

Innovations

2024: Renewal of Delinquent Payer Management System with IT

Overview
Introduced proprietary AI screening and collection support system, significantly improving delinquency management efficiency.
Impact
Achieved reduction in delinquency rates and improved collection speed

2023: Development of New Products for Medical and Nursing Care Expense Guarantee Business

Overview
Developed additional diverse guarantee plans targeting hospitalization and nursing care expenses.
Impact
Successfully expanded new customer segments

2022: Launch of Guarantee Know-How Deployment to Other Companies

Overview
Began providing guarantee operation outsourcing services to regional banks and others.
Impact
Contributed to business diversification and revenue source variety

2021: Enhanced Customer Services via Smartphone App

Overview
Developed and launched app for landlords and tenants to check guarantee status.
Impact
Improved customer convenience and reduced inquiries

2020: Introduction of Cloud-Based Guarantee Management Platform

Overview
Deployed new system enabling efficient guarantee contract management and information sharing.
Impact
Business efficiency improvement and enhanced information transparency

Sustainability

  • Promotion of support activities in collaboration with local organizations
  • 推進 of paperless operations to reduce environmental impact
  • Promotion of diverse employment and diversity
  • Customer protection through strengthened information security
  • Expansion of social contribution activities and local returns