Earnings Results for the Fiscal Year
Ended June 2022
August 23, 2022
&Do Holdings Co., Ltd

1Copyright(c)2022&Do Holdings Co., Ltd. All rights reservedAbout the Initiatives in FY6/2022

Aggressive development in Real Estate Buying and Selling Business

Expansion of stores in the Kanto area in Franchisee Business
Strengthen purchase in House -Leaseback businessNew alliance and strengthen initiatives in Reverse Mortgage
Guarantee Business2Copyright(c)2022 &Do Holdings Co., Ltd. All rights reserved

Highlights of FY6/2022

Sales continue to reach record-high41.39
bn yen

+6.0% YoYOperating Profit

Ordinary Profit

2.87

2.94+10.9+17.2

bn yenYoY3bn yen

Copyright(c)2022

YoY&Do Holdings Co., Ltd. All rights reserved

FY6/22 Results by Business Segment

Sales by Business Segment

Operating Profit by Business Segment(Millions of yen)

(Millions of yen)

(Year-on-year comparison)

FY6/21

FY6/22

YoY change

FY6/21(Year-on-year comparison)

FY6/22

YoY change

Franchisee Business

3,335

3,387+ 1.6%

Franchisee Business

2,226

2,301+ 3.4%

House-Leaseback Business

13,732

14,533+ 5.8%

House-Leaseback Business

1,729

1,717

( 0.7%)Finance Business

1,094

767

( 29.9%)Finance Business

76137+ 81.1%

Real Estate Buying and Selling Business

16,23318,441+ 13.6%

Real Estate Buying and Selling Business

1,192

1,691

+ 41.8%

Real Estate Brokerage Business

2,464

2,324

( 5.7%)

Real Estate Brokerage Business

541

730

+ 34.9%Renovation Business

2,716

2,658

( 2.1%)

Renovation Business

171

195

+ 14.1%105( 50.0%)

Other

( 5)

(11)

－

Adjustment

(550)

(723)

-Adjustment( 3,343)(3,892)－Total

39,03741,395+ 6.0%

Total

2,589

2,871

+ 10.9%Other

4Copyright(c)2022&Do Holdings Co., Ltd. All rights reservedFranchisee Business No. of Franchised Store by area

Stores in Japan

Hokkaido : 52（ ▲3 ）683 stores
1,000 storesNote: As of end of Jun. 2022
( ): Year-on-year changes

Koshinetsu : 26
（ +7 ）
Tohoku : 21（ ▲7 ）Hokuriku : 14（ +2 ）Kanto : 130（ +8 ）Chugoku : 44（ ▲５ ）Tokai : 189（ ▲12 ）Kyushu : 62
（ +4 ）

Kinki :105
（ ▲19 ）
Shikoku :18（ ±０ ）Okinawa :22（ +6 ）5Copyright(c)2022&Do Holdings Co., Ltd. All rights reservedHouse-Leaseback BusinessChanges in Net Sales / Operating Profit

Changes in Number of Contracts and Properties
Purchased(Millions of yen)

FY6/21
Net sales(Millions of yen)

Operating profit(Millions of yen)

Operating margin (%)

FY6/22

YoYchangeFY6/23(fct.)

13,732

14,533+ 5.8%

19,1611729

1717( 0.7%)

2,387

11.8%

-12.5%

12.6%

No. of House-Leaseback
contracts

903

1090

20.7%

1,140

No. of properties
purchased

801

1010

26.1%

1,112

Total no. of properties
owned339

645-

800

4,594

8,914-

10,600Total amount of propertiesowned (Millions of yen)

6No. ofcontract

Up 20.7% YoY

Contracts

Properties purchased

1,090
903

1,010

1,140 1,112

801

FY6/21
FY6/21

FY6/22
FY6/22

Copyright(c)2022

FY6/23&Do Holdings Co., Ltd. All rights reservedHouse-Leaseback BusinessChanges in Sales

Changes in Operating Profit

Millions of yen

Millions of yen

Up 5.8% YoY
Rent income
Income from sales
Profit sales

14,00140307

15,501
632

Fees and others
Leasing revenue

3,000

19,161
13,732228
780

Down 0.7% YoY

2,500

2,387
2,095

14,5332,000601

Operating margin

Operating profit

2,024
1,729

1,717

13.1%

12.6%

11.8%

12.5%

FY6/20FY6/21

FY6/22
FY6/22

FY6/23(fct.)

1,500
12,623

13,919

11,68912,4871,000500
254
777

400548589
447670773

FY6/19FY6/20FY6/21

FY6/22
FY6/2219,161
FY6/23(fct.)015.0%

FY6/19Note: Results prior to FY6/2020 are reference values reclassified to the new business segment classifications.

7Copyright(c)2022&Do Holdings Co., Ltd. All rights reserved

Total Amount and No. of Properties Owned
No. of properties
owned

Total amount ofproperties owned(Millions of yen)

Total amount of properties owned

12,000No. of properties owned

1,200

Note: Total amount of properties owned is the sum of the purchase prices (before depreciation)

10,0008,803

9,110 8,887

9,098

7,772

800

7,186

626

4,487

513

3,913

4,000
2,977

2,000

397

564

674

595

5,314

613
559

228

5,757

5,300

4,924
4,342

445

3,410

397
314

274

343 330

338

4,685
486

645

16/6
4Q

17/6
2Q

17/6
4Q

18/6
2Q

18/6
4Q

19/6
2Q

19/6
4Q

8

20/6
2Q

20/6
4Q

600

541

400

448
339

285

200

217

167

16/6
2Q

5,908 685

543

332

1,912

123

0

6,274

5,138

6,990

6,815

6,135 6,386

6,000

1,000

8,324

7,927

8,000

9,866

9,487

21/6
2Q

21/6
4Q

Copyright(c)2022

22/6
2Q

22/6
4Q

0&Do Holdings Co., Ltd. All rights reserved

Finance BusinessChanges in Net Sales

Changes in Operating Profit

Millions of yen

Millions of yen

Down 27.7%
29.9% YoY
1,007

Up 81.1% YoY
Operating profit

1,094185
767

757

Operating margin

137

785

76
1.7%
-0.5%

177.0%

FY6/20FY6/21

18.0%

23.6%

FY6/22
FY6/22

FY6/23(fct.)▲3FY6/19

FY6/20FY6/21

FY6/22
FY6/22

FY6/23(fct.)

FY6/199

Copyright(c)2022&Do Holdings Co., Ltd. All rights reserved

Finance BusinessChanges in Number and Amount ofRevers Mortgage Guarantees

Changes in Loans Outstanding

Millions of yen

Millions of yen

Balance ofGuarantees¥ 8.80 bn

Total amount of outstanding¥4.82 bn

Loans Outstanding
Balance

11,045

Total no. of contracts

9,744

17,700

8,163

8,805

2,614

3,400237362

FY6/19FY6/204,8225,000

FY6/22
FY6/22

FY6/23(fct.)

1,6005,343829562
FY6/21

FY6/22
FY6/22

FY6/19FY6/23(fct.)10

FY6/20FY6/21

Copyright(c)2022&Do Holdings Co., Ltd. All rights reserved

Alliance with Financial Institutions
in Reverse Mortgage Guarantees Business39 Alliance withas of Aug. 15, 2022

Kanto Area

Financial Institutions

Note

based on head released dateTohoku・Hokuriku
The Taiko bank,Ltd.

Fukushima Bank

Toyama Shinkin Bank

Shiga Chuou Shinkin Bank

Osaka Shinkin BankThe Tajima Bank

Keiji Credit Association

Nagahama Shinkin Bank

Kanagawa BankToei shinkin bank

Kawaguchi-Shinkin BankThe Tokyo Star bank

Kiraboshi BankTokyo Higashi Shinkin BankShowa Shinkin Bank

Rakuten Bank

Shiba Shinkin Bank

Tokai Area

Koto Shinkin Bank

Enshu Shinkin Bank

Hamamatsu Iwata shinkin bank

San ju San bank
Bisai Shinkin bank
The Seishin Shinkin Bank Mishima Shinkin Bank
Shizuoka Bank
Fuji Shinkin Bank
Chita Shinkin bank

Chugoku/Shikoku Area
Ehime bankKasaoka Shinkumi Bank

Chunan shinkin bank

Komatsugawa Shinkin Bank Tokyo Bay Shinkin
The Sawayaka Shinkin Bank Hanno Shinkin Bank

Kansai Area
Osaka Shoko Shinkin Bank

Adachiseiwa Shinkin bankTamashima Shinkin BankChugoku Bank

The Bank of Kochi

Note

11

the syllabary order and Area is classified based on head office location
Copyright(c)2022&Do Holdings Co., Ltd. All rights reserved

Toward Further Expansion of Reverse Mortgages"Rakuten Bank Reverse Mortgage“with Rakuten Bank as its affiliated bankObtained Bank Agency License

As an agent for Rakuten Bank, we will act as an intermediary for applications associated with “Rakuten Bank Reverse Mortgage.”
12

Copy right(c)2021 Housedo co ltd. All rights reserved

Real Estate Buying and Selling BusinessChanges in Net Sales / Operating ProfitChanges in Inventories
Millions of yen

Amount of Inventories

No. of Inventory

15,339(Millions of yen)

FY6/21
Net sales(Millions of yen)

Operating profit(Millions of yen)

16,233

FY6/22

18,441

YoYchange+ 13.6%

FY6/23(fct.)

10,43818,89010,928
729

1,192

1,691

+ 41.8%

6,565

1,600

Operating margin (%)

7.3%

9.2%

－8.5%

Number of transactions

734590( 19.6%)1,000556
466

384

FY6/19FY6/20FY6/21

FY6/22Inventory = Real Estate for sale + Real Estate for sale in process
13Copyright(c)2022&Do Holdings Co., Ltd. All rights reserved

Real Estate Buying and Selling BusinessChanges in Net sales

Changes in Operating Profit

Millions of yen

Millions of yen

Up 41.8% YoY

Up 13.6% YoY

Operating profit

16,233Operating margin

18,441 18,890

1,691

1,600

1,192

9,040

8,870

778
412
8.6%
4.6%

FY6/19FY6/20FY6/21

FY6/22
FY6/22

FY6/23(fct.)

FY6/19FY6/207.3%
FY6/21

9.2%

8.5%

FY6/22
FY6/22

FY6/23(fct.)

Note: Results prior to FY6/2020 are reference values reclassified to the new business segment classifications.

14Copyright(c)2022&Do Holdings Co., Ltd. All rights reserved

Selling, General and Administrative Expenses
FY6/21(MillionsMillionsof yen)of yen

FY6/22% to sales% to sales

YoY change

SG&A expenses

10,32426.4%

10,91226.4%+ 5.7%

Personnel

4,704

12.1%

4,756

11.5%

+ 1.1%

1,692

4.3%

1,810

4.4%

+ 6.9%

404

1.0%

399

1.0%

(1.3%)

3,522

9.0%

3,946

9.5%

+ 12.0%12,91433.1%

13,784

33.3% ）

Advertising andpromotion
OfficemaintenanceOthers（ Gross profit15

Copyright(c)2022&Do Holdings Co., Ltd. All rights reservedConsolidated Balance Sheet(Millions of yen)

(Millions of yen)

FY6/21

FY6/22

ChangeLiabilities

44,42951,643+ 7,213(2,500)

Current liabilities

20,86022,807+ 1,947

16,131+ 4,514

Non-current liabilities

23,56928,835+ 5,266

10,834

6,424(4,409)

Non-current assets

18,03528,619+ 10,584

Net assets

12,877

13,852+ 975

Property, plant and equipment

13,741

22,838+ 9,096

12,876

13,850+ 974

990

1,372+ 381

(41)

(37)

+3Investments and other assets

3,302

4,408+ 1,106

Shareholders’ equity
Accumulated othercomprehensive income
Subscription rights to shares4238(3)

Total assets

57,30665,495+ 8,189

Total liabilities and net assets

57,30665,495+ 8,189

Shareholder’s equity ratio

22.4%

21.1%

FY6/21

FY6/22Current assets

39,27136,875(2,395)

Cash and deposits

16,81914,319Inventories

11,617

Other

Intangible assets

Change16

Copyright(c)2022&Do Holdings Co., Ltd. All rights reservedFuture Growth Strategy

Medium-Term Management PlanThree Growth Strategies
Further expansion of Growth-driving Businesses
Deepening Real Estate x Financial Services

Promotion of a highly profitable structure
17Copyright(c)2022 &Do Holdings Co., Ltd. All rights reservedMid-term Management Plan (FY6/2023- FY6/2025)
Sales of ¥51.8 bn and Ordinary profit of ¥4.0 bn in FY6/25.

¥bn

Change from FY6/22

55.0+25.2%¥bn

3.1

Change from FY6/22+35.7%
4.0
4.0

500
50.0
50.0

45.0
40.0

413
41.30300
0

6/22

41.7

46.5
465

45.7

48.4
484
48.4

51.8
518
51.8

4.0
2.906/23(fct.) 6/24(fct.) 6/25(fct.)186/22

3.3

3.66/23(fct.) 6/24(fct.) 6/25(fct.)
Copyright(c)2022 &Do Holdings Co., Ltd. All rights reserved

Medium-Term Management Plan FY6/2023 – FY6/2025
FY6/2022
ResultFY6/2023
fct.

FY6/2024fct.

FY6/2025
fct.

Net Sales

41.39

46.58

48.44

51.81

Operating Profit

2.87

3.45

3.75

4.17

Ordinary Profit

2.94

3.30

3.60

4.00

Profit

1.95

2.17

2.37

2.64

Ordinary Margin

7.1%

7.1%

7.4%

7.7%
Note : FY6/23 figure released on Aug. 15, 2022

19

Copyright(c)2022&Do Holdings Co., Ltd. All rights reserved

FY6/2023 Consolidated Earnings Forecast

Ordinary profit

Net Sales(Millions of yen)

FY6/2022
ResultFY6/2023(fct.)

YoY

41,39546,582+ 12.5%

2,871

3,452+ 20.2%

2,947

3,300

+ 12.0%

Profit1,955

2,178+ 11.4%

Earning pershare(Yen)

100.00111.33－

Net sales
Operatingprofit
Ordinaryprofit+ 12.5 %41,395+ 12.0 %46,582
2,947

FY6/2220

YoY

FY6/232023/6(fct.)
Copy right(c)2021

FY6/22

3,300

FY6/232023/6(fct.)

HOUSE DO Co., Ltd. All rights reserved

YoYFY6/2023 Sales and Profit by segment(Millions of yen)

Net sales

YoY

Operating profit

YoY

Franchisee Business

3,700+ 9.2%

2,538+ 10.3%

House-Leaseback Business

19,161+ 31.8%

2,387+ 38.9%

785+ 2.3%

185+ 34.2%

Real Estate Buying and Selling Business

18,890+ 2.4%

1,600( 5.4%)

Real Estate Brokerage Business

2,021( 13.1%)623( 14.7%)

Renovation Business

2,635( 0.9%)

230+ 17.5%Adjustment(610)－(4,111)－Total

46,582+ 12.5%3,452+ 20.2%

Finance Business21

Copy right(c)2021

HOUSE DO Co., Ltd. All rights reserved

Initiatives for FY6/2023

Real Estate Buying and Selling Business
Strengthen visiting small and medium sized sales officeHouse-Leaseback business
Strengthen purchase incl. House-Leaseback

Franchisee Business
Expansion of stores in the Kanto area

Reverse Mortgage Guarantees Business
Expand alliance and number of contracts
22

Copyright(c)2022 &Do Holdings Co., Ltd. All rights reservedFurther outlook for Real Estate Market

23

Copyright(c)2022 &Do Holdings Co., Ltd. All rights reserved

Significance and Possibility of Reverse Mortgage☑ Dissemination is urgent for Japanese Economy and Elderly people☑As long as awareness is spread, it's only natural that it will spread.

24

Copyright(c)2022 &Do Holdings Co., Ltd. All rights reserved

Innovate the industry!
- Making the industry that benefit customers Japan 1,000 stores Asia 50,000 stores

25

Copyright(c)2022&Do Holdings Co., Ltd. All rights reserved

Forward-looking Statements
Materials and information provided in this announcement contain forward-looking statements. These statements are based on expectations,forecasts and assumptions incorporating risk and uncertainties that may cause actual performance to differ from these statements.
Risk factors and other uncertainties include general economic conditions in Japan and other countries, such as industry and market conditions,and changes in interest rates and foreign exchange rates.
Even in the event of new information, a future event or some other event, the HOUSEDO Group has no obligation to update or revise theforward-looking statements in this announcement.
Note: Regarding the data by segment before the previous two fiscal year, the data before the segment classification review is included.

■ IR information : https://www.housedo.co.jp/and-do/en/■ For inquiry : housedo-ir@housedo.co.jp

26

Copyright(c)2022&Do Holdings Co., Ltd. All rights reserved