Overview
Other Financing Business

Anshin Guarantor Service Co.,Ltd.

Anshin Hosho is a residential rent guarantee (family rent debt guarantee) company that provides institutional surety services as a substitute for the traditional personal joint-guarantor system in Japanese residential lease agreements. The company pioneered the 'advance payment-type' guarantee model, whereby it or its partner (Life Card Co., Ltd.) prepays rent to property management companies before the tenant's due date, eliminating both rent collection burdens and non-payment risks for landlords and property managers. Its core products, 'Life Anshin Plus' (offered in partnership with Life Card) and 'Anshin Plus' (directly funded by the company), generate stable fee-based revenues through initial guarantee fees, renewal fees, and monthly guarantee fees.

Market Cap
¥4.43B
US$28.2M
EV
¥—B
Stock¥255▼-0.39%
US$1 = ¥157.05 (2026-10-22)
ROE
9.0%
* LTM NI / end-of-period equity
PBR
1.8
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+33.6%pt
100
Oct 23, 25 – Oct 8, 26StockTOPIX
AI Briefing
Generating insights…
Performance & Balance
Revenue 5Y (¥B)
4.13US$26.3M'22/34.50US$28.6M'23/34.84US$30.8M'24/35.38US$34.2M'25/36.16US$39.2M'26/3
EBITDA 5Y (¥B)
0.55US$3.49M'22/30.66US$4.23M'23/30.50US$3.16M'24/30.12US$0.76M'25/30.32US$2.05M'26/3
Net Income 5Y (¥B)
0.40US$2.55M'22/30.47US$3.00M'23/30.37US$2.38M'24/30.09US$0.57M'25/30.29US$1.85M'26/3
Capital Structure
69%
31%
EquityD/E 0.44xDebt
Liquidity vs Debt 5Y (¥B)▼ Net Debt
CashInv. Sec.Debt
1.28US$8.16M0.35US$2.23M'22/31.36US$8.68M0.35US$2.23M'23/31.21US$7.72M0.50US$3.18M'24/30.93US$5.92M0.60US$3.82M'25/30.91US$5.80M0.75US$4.78M'26/3
Shareholders
Top 10 hold 64.2%
1
AIFUL CORPORATION
36.90%
2
Ko AMESAKA
10.90%
3
Hideo OGAWA
3.10%
4
Seiichi TAKAHASHI
2.70%
5
Shigenobu MASAOKA
2.40%
6
AG Capital Co., Ltd.
2.20%
7
Masaoka Tochi Co., Ltd.
1.80%
8
Ueda Yagi Tanshi Co., Ltd.
1.70%
9
Kazuhito YOSHINAGA
1.30%
10
Yutaka TANIMURA
1.20%
Management
7 officers
Yoshihide ITO
Representative Director, President
Apr 1994 Joined Aiful Corporation Jul 2011 General Manager, Corporate Management Department, Aiful Corporation Aug 2012 General Manager, Investment Management Department, New Frontier Partners Co., Ltd. (now AG Capital Co., Ltd.) Jan 2016 General Manager, Shanghai Sanshu Financial Leasing Co., Ltd. Nov 2020 Managing Director, Aiful Medical Finance Co., Ltd. (now AG Medical Co., Ltd.); Director, Aiful Business Finance Co., Ltd. (now AG Business Support Co., Ltd.) Aug 2023 Advisor to the Company; Managing Director, AG Medical Co., Ltd.; Director, AG Business Support Co., Ltd.; Managing Director, AG Sumairu Leaseback Co., Ltd. Apr 2024 Advisor to the Company; Executive Officer, Aiful Corporation; Director, AG Medical Co., Ltd.; Director, AG Business Support Co., Ltd.; Director, AG Sumairu Leaseback Co., Ltd. Jun 2024 Senior Managing Director, Senior Managing Executive Officer of the Company; in charge of Sales Division, System Department, and General Affairs and Human Resources Department Oct 2024 Senior Managing Director, Senior Managing Executive Officer of the Company; General Manager, Sales Division and System Department Jun 2025 Representative Director, President, President Executive Officer of the Company; General Manager, Sales Division; General Manager, System Department; General Manager, Compliance Department (current) Jun 2026 Representative Director, President, President Executive Officer of the Company; General Manager, Sales Division; General Manager and in charge of Management Planning Department, General Affairs and Human Resources Department; General Manager, System Department, Customer Center, and Compliance Department
1973-02-21
Akira NAKAJIMA
Director
May 1990 Joined Aiful Corporation Mar 2011 General Manager, Bizience Co., Ltd. Jul 2011 Director and General Manager, Bizience Co., Ltd. Apr 2020 General Manager, West Japan Sales Department, Aiful Corporation Oct 2022 General Manager, East Japan Sales Department, Aiful Corporation Oct 2024 Deputy General Manager, Sales Division, the Company Jun 2025 Director, Executive Officer of the Company; General Manager in charge of Credit Management Department; Deputy General Manager, Sales Division (current) Jun 2026 Director, Executive Officer of the Company; General Manager and in charge of Credit Management Department; Deputy General Manager, Sales Division; General Manager, Sales Department
1967-11-09
Junya ICHIKAWA
Director (Audit and Supervisory Committee Member)
Sep 1995 Joined Aiful Corporation Apr 2006 Assistant Manager, Group Audit Office, Aiful Corporation Jun 2007 Assistant Manager, Group Audit Office, Aiful Corporation; Statutory Auditor, New Frontier Partners Co., Ltd. (now AG Capital Co., Ltd.), Astrai Debt Collection Co., Ltd. (now AG Debt Collection Co., Ltd.), and Businext Co., Ltd. (now AG Business Support Co., Ltd.) Dec 2007 Assistant Manager, Auditor Office, Aiful Corporation; Statutory Auditor, New Frontier Partners Co., Ltd. (now AG Capital Co., Ltd.), Astrai Debt Collection Co., Ltd. (now AG Debt Collection Co., Ltd.), Businext Co., Ltd. (now AG Business Support Co., Ltd.), and Chintai Anshin Hosho Co., Ltd. (now Anshin Hosho Co., Ltd.) Jun 2015 Assistant Manager, Audit and Supervisory Committee Office, Aiful Corporation; Statutory Auditor, New Frontier Partners Co., Ltd. (now AG Capital Co., Ltd.), Astrai Debt Collection Co., Ltd. (now AG Debt Collection Co., Ltd.), and Businext Co., Ltd. (now AG Business Support Co., Ltd.) Apr 2018 Chief, Card Center Section, Business Center, Life Card Co., Ltd. Jul 2019 General Manager, Human Resources and General Affairs Department, Sumishin Life Card Co., Ltd. Apr 2022 Assistant Manager, Brand Promotion Section, Brand Promotion Department, Life Card Co., Ltd. Oct 2022 Chief, Business Management Section, Business Center, Life Card Co., Ltd. Apr 2024 Advisor, Compliance Department, the Company Jun 2024 Director (Audit and Supervisory Committee Member) of the Company (current)
1973-03-19
Akitaka DOMOTO
Director (Non-Executive)
Apr 1994 Joined Aiful Corporation Jan 2010 General Manager, Management Planning Department, Aiful Corporation Apr 2015 General Manager, Second Sales Department, Life Card Co., Ltd. Apr 2016 Deputy General Manager, Sales Division, and General Manager, Sales Planning and Promotion Department, Life Card Co., Ltd. Apr 2019 Executive Officer, Deputy General Manager, Sales Division, and General Manager, Management Promotion Department, Aiful Corporation Apr 2020 Executive Officer, Deputy General Manager, Sales Division; in charge of Management Promotion Department and Management Compliance Promotion Office, Aiful Corporation Apr 2023 Executive Officer in charge of Corporate Management Department and Overseas Business Division, Aiful Corporation; Executive Officer, Life Card Co., Ltd. Apr 2024 Managing Executive Officer in charge of Overseas Business Division, Management Planning Department, and Corporate Management Department, Aiful Corporation; Executive Officer, Life Card Co., Ltd. Apr 2025 Managing Executive Officer in charge of Overseas Business Division, Management Planning Department, and Group Coordination Department, Aiful Corporation; Executive Officer, Life Card Co., Ltd. Jun 2025 Director of the Company (current) Jan 2026 Managing Executive Officer in charge of Overseas Business Division and Group Coordination Department, Aiful Corporation; Executive Officer, Life Card Co., Ltd. (current) Apr 2026 Managing Executive Officer, Muninova Holdings Co., Ltd. (current)
1971-10-29
Keiichiro OKAWA
Director (Non-Executive)
Aug 1990 Joined Aiful Corporation Apr 2006 General Manager, Finance Department, Aiful Corporation Oct 2006 General Manager, East Japan Counseling Center, Aiful Corporation Apr 2008 General Manager, Guarantee Business Division, Aiful Corporation Jul 2011 General Manager, Guarantee Business Division, Aiful Corporation; General Manager, Guarantee Sales Department, Life Card Co., Ltd. Apr 2017 General Manager, Third Sales Department, Life Card Co., Ltd. Jun 2022 Director of the Company (current) Jun 2023 Director (Audit and Supervisory Committee Member), Aiful Corporation; Statutory Auditor, Life Card Co., Ltd. (current) Jun 2024 Director (Audit and Supervisory Committee Member), Aiful Corporation; Statutory Auditor, Life Card Co., Ltd.; Statutory Auditor, Bitcash Co., Ltd. Jun 2025 Statutory Auditor, Bitcash Co., Ltd. (current)
1964-10-30
Etsuo MURAKAMI
Outside Director (Audit and Supervisory Committee Member)
Apr 1992 Joined Toray Industries, Inc. Oct 1996 Joined Abe, Iwakubo & Katayama Law Office; registered with Dai-Ichi Tokyo Bar Association Aug 2002 Pillsbury Winthrop (New York) (now Pillsbury Winthrop Shaw Pittman LLP) Aug 2003 Joined Ohebashi Law Office Tokyo Office (current) Jun 2015 Outside Director (Audit and Supervisory Committee Member) of the Company (current) Mar 2025 Outside Director (Audit and Supervisory Committee Member), KLab Inc. (current)
1969-10-11
Etsuo IWASHITA
Director (Audit and Supervisory Committee Member)
Apr 1978 Joined Metropolitan Police Department Mar 1999 Police Inspector, Tamagawa Police Station Aug 2017 Chief Superintendent, Machida Police Station Feb 2019 Senior Superintendent Dec 2021 Advisor to the Company Jun 2024 Outside Director (Audit and Supervisory Committee Member) of the Company (current)
1960-01-16
Large Shareholding Reports
Ko AMESAKA (Heir Representative: Minako AMESAKA)
2026-07-16
11.14%→8.93%
Correction filing (name/detail fix only) — ratio carried over from the original filing
Ko AMESAKA (Heir Representative: Minako AMESAKA)
2026-07-16
—
Minako AMESAKA
2026-07-16
5.25%
Correction filing (name/detail fix only) — ratio carried over from the original filing
Muninova Holdings Co., Ltd.
2026-07-09
39.50%
Muninova Holdings Co., Ltd.
2026-07-09
39.50%→75.15%
Minako AMESAKA
2026-07-03
5.25%
Ko AMESAKA (Heir Representative: Minako AMESAKA)
2026-07-02
11.14%→8.93%
Ko AMESAKA (Heir Representative: Minako AMESAKA)
2026-07-02
8.93%→0.00%
Aiful Corporation
2026-05-19
36.86%→35.65%
Annual report (as of 2026-03-31): 36.90%
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-08-12
Q1 Earnings Flash
FY ending Mar 2027
EDINETAmended
2026-07-16
Change Report
EDINETAmended
2026-07-16
Change Report
EDINETAmended
2026-07-16
Change Report
EDINET
2026-07-09
Large Shareholding Report
EDINET
2026-07-09
Large Shareholding Report
EDINET
2026-07-03
Large Shareholding Report
EDINET
2026-07-03
公開買付報告書
EDINET
2026-07-02
Large Shareholding Report
EDINET
2026-07-02
Large Shareholding Report
EDINETAmended
2026-06-18
訂正公開買付届出書
EDINET
2026-06-18
Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2026-05-19
Large Shareholding Report
EDINET
2026-05-13
公開買付届出書
EDINET
2026-05-13
意見表明報告書
TDnet
2026-02-10
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-11
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-08-08
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-19
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-10
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-12
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-09
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-24
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-09
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-09
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-10
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-19
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-10
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-10
Quarterly Securities Report
EDINET
2022-08-10
Quarterly Securities Report
Ask AI
I have this company's financials, ownership, and management on hand. Ask me anything from an M&A perspective.
End of Preview

Try the full product

Free demo (no time limit, up to 10 companies). Explore Comps, DCF, LBO, WACC on every screen. Excel export is on the paid plan.

Free Demo (No Time Limit, 10 Companies) →