The Era of “Point-Earning” Through Shareholder Perks! Matsukiyo, Don Quijote… and Other Hot Stocks Where You Can Aim for a Yield of Over 66%

Why the Surge? The Inside Story of “Point Perks”

In recent years, there has been a rapid increase in the number of companies offering “universal points” such as Rakuten Points and d Points, as well as points and e-money usable within their own companies, as shareholder benefits. Behind this trend lies a shift toward prioritizing individual shareholders, as well as companies’ desire to increase their shareholder base in order to meet listing requirements.  

Another major factor is cost reduction on the part of companies. While the company’s own products or paper benefit coupons tend to incur high expenses such as postage and inventory management, points and digital gifts can be issued online, allowing for significant cost savings. For recipients, points that can be used at stores and services they frequent are extremely convenient, making this a win-win situation for both sides.  

In this article, we’ll introduce stocks that offer these points—other than those issued by “universal point” providers—as well as notable stocks that offer valuable “points and e-money” usable within their own companies as shareholder benefits.  

Highest Yield! “Universal Points” Shareholder Benefit Stocks  

◇ Over 15% Yield with Just One Share! [Monex Group (8698)]

Monex Group (8698) is a financial group centered around the online brokerage “Monex Securities.” In October 2023, Monex Securities entered into a capital and business alliance with NTT Docomo, a subsidiary of NTT (9432), and is now a consolidated subsidiary of NTT Docomo.

Shareholders who hold one or more shares of Monex Group as of the end of March or September are awarded “Monex Points,” worth 1 yen per point, based on the number of shares held. Monex Points can be exchanged on a one-to-one basis for d Points, Ponta Points, V Points, and others; if linked to a d Account, they are automatically converted to d Points.

A major feature is that shareholders are eligible for shareholder benefits starting with just one share; the benefit yield for holding a single share is as high as 15.43% (100 benefit points per year / investment of 648 yen). However, it is important to note that to receive these benefits, shares must be held in a Monex Securities account.

While the shareholder benefit yield is highest when holding just one share, the actual profit from a single share is minimal (100 yen worth of points per year plus an estimated dividend of about 30 yen).Since this is also a high-dividend stock with a dividend yield nearing 5%, it’s best to treat the shareholder benefit points as a bonus and invest in the usual 100-share lots, focusing primarily on the dividends to better realize the benefits. You can purchase 100 shares for about 65,000 yen, and the number of points you earn will increase to 200 points per year.

◇ Commemorative Benefits Available! Great Value for Long-Term Holders [Curves Holdings (7085)]

Curves Holdings (7085) operates “Curves,” Japan’s largest women-only fitness chain.As of the end of August, shareholders holding 100 or more shares of Curves Holdings (required investment: 87,400 yen) can choose either a “QUO Card” or “electronic money” (such as PayPay Money Light, au PAY Gift, or Rakuten Point Gift) as their shareholder benefit.Shareholders who are Curves members or have family members who are members can also choose to receive a discount on Curves subscription products.

The value of the shareholder benefit is determined by the number of shares held and the length of continuous ownership; the longer you hold the shares, the greater the benefit. If you hold 100 shares for one year or more, the combined total return from dividends and shareholder benefits will exceed 5%.

Additionally, for the August ’26 record date, a 1,000-yen bonus will be added to the benefit amount as a commemorative benefit marking the 20th anniversary of the Curves chain’s founding.

◇ Monthly Dividends & Preferential Fees! [Resona Holdings (8308)】

Resona Holdings (8308) is a major financial group that owns subsidiaries such as “Resona Bank” and “Saitama Resona Bank.” It combines the characteristics of a city bank, a specialized trust bank, and a regional bank, establishing a unique market position.

Shareholders who hold 100 or more shares of Resona Holdings (required investment of approximately 221,000 yen) are awarded “Club Points” every month.Club Points are earned through banking transactions with the Resona Group and can be exchanged for d Points, Ponta Points, V Points, Rakuten Points, JAL/ANA miles, cashback, and more.The conversion rate varies depending on the destination (per 100 Club Points: 75 Rakuten Points, 90 V Points, and 100 d Points or Ponta Points).

In addition, depending on your status (Pearl, Ruby, or Diamond), which is determined by the number of shares held and your transaction history with Resona Group banks, you can receive preferential rates on ATM and transfer fees.Although the dividend yield itself is modest at 0.11%, for shareholders who regularly use Resona Group banks, this is a stock that offers benefits in the form of both points and fee discounts.  

Amazingly High Returns! “Proprietary Points” Benefits

◇ A Must-See for Dining Out Enthusiasts! The Koro Wide Group 4 [Koro Wide / Atom / Kappa Create / Otoya HD]

The Koro Wide Group is centered around “Koro Wide (7616),” which operates the izakaya chain “Amataro,” and includes “Atom (7412),” which runs conveyor-belt sushi restaurants such as “Kaisen Atom,” “Steak Miya,” and “Kalbi Taisho,”“Kappa Create (7421),” which operates “Kappa Sushi,” and “Ootoya Holdings (2705),” which operates the set-meal restaurant chain “Ootoya Gohan-dokoro.”Note that “Rains International,” which operates “Gyukaku,” “Shabu Shabu On-Yasai,” and “Freshness Burger,” is also part of the Koro Wide Group; however, as it is unlisted, its stores are not included in the shareholder benefits program.

The shareholder benefits for the four listed companies are provided by crediting “benefit points” to the “Shareholder Benefit Card” sent upon initial registration. A key feature of this program is that these points can be used at any eligible store within the group, with 1 point equivalent to 1 yen (excluding certain brands such as “Ootoya Gohan-dokoro”).

In the case of Koro Wide (7616), shareholders holding 500 shares or more are awarded points worth 10,000 yen every three months (40,000 yen annually), resulting in a high shareholder benefit yield of 4.38%. However, since the required investment exceeds 900,000 yen, the barrier to qualifying for these benefits is high.

Atom (7412) and Kappa Create (7421) offer shareholder benefits starting at 100 shares, with the benefit amount increasing in proportion to the number of shares held.With 100 shares, you can receive benefits worth just under 60,000 yen and just over 140,000 yen, respectively, making them more accessible than Korowaid (7616).

A distinctive feature of Otoya Holdings (2705)’s shareholder benefits is that they can be used not only at the participating stores of the three companies mentioned above but also at “Otoya Gohan-dokoro.” However, the stock price is high (requiring an investment of 755,000 yen), and the benefit yield is limited to about 1%.

◇ Exceptionally Practical! [Matsukiyo Kokokara & Company (3088)]

Matsukiyo Cocokara & Company (3088) is one of Japan’s largest drugstore chains, formed through the merger of “Matsumoto Kiyoshi” and “Cocokara Fine.”

Shareholders holding 100 or more shares as of the end of March or September are awarded 2,000 “Matsukiyo Cocokara Points” as a shareholder benefit (minimum investment required: 233,700 yen).

Matsukiyo Kokokara Points can be used at stores at a rate of 200 points = 200 yen, and at the online store at a rate of 1 point = 1 yen. They can also be exchanged for merchandise, d Points, Rakuten Edy, JAL/ANA miles, and other companies’ points and miles.With a shareholder benefit yield of 1.71% and an expected dividend yield of 2.40%, this is a highly practical shareholder benefit.

◇ Unique experiential shareholder benefits! PPIH (Don Quijote) [Pan-Pacific International Holdings (7532)]

Pan-Pacific International Holdings (hereinafter PPIH) (7532) is a major discount store group that operates chains such as “Don Quijote” and “MEGA Don Quijote.”

Shareholders who hold 100 or more PPIH shares as of the end of June or the end of December will receive 300 points (equivalent to 300 yen) in the company’s electronic money, “majica Points” (required investment: 83,720 yen).majica Points can be used at eligible group stores, including “Don Quijote,” “MEGA Don Quijote,” “Nagasakiya,” “Apita,” and “Piago.”

In addition, unique experiential benefits are available, such as a “digital stamp card” that accumulates one stamp for every 1,000 yen spent—which can be exchanged for items from the company’s private label “Jounetsu Kake” line—as well as invitations via lottery to private label product experience events and gift message cards featuring Don Quijote’s signature “handwritten POP” designs.While the benefit yield of 0.72% is modest when considering the points alone, the benefits are highly practical.

◇An astonishing yield of over 66%! [ RIZAP Group (2928)】

RIZAP Group (2928) is a company that operates health and fitness-related businesses centered around the weight-loss gym “RIZAP” and the convenience store gym “chocoZAP.”

As of the end of March, shareholders holding RIZAP Group stock are eligible to receive three types of shareholder benefits based on the number of shares they hold: (1) a coupon for half-price monthly membership at “chocoZAP,” (2) point-based benefits, and (3) RIZAP Group digital gift certificates.

While holding 100 shares entitles you only to six months’ worth of chocoZAP half-price coupons, holding 400 shares adds point benefits and digital gift certificates, causing the benefit yield to jump to 66.79% (the benefit yield is highest when holding 400 shares).You can purchase 100 shares for just under 20,000 yen, and 400 shares for just under 80,000 yen.

The points can be exchanged for products from group companies (over 500 categories and 730,000 items) on the shareholder-exclusive website, and the digital gift certificates can be used on the official e-commerce sites of group companies (such as “RIZAP,” “APORITO,” “BRUNO,” and “Jeans Mate”).Although the company does not pay dividends, the shareholder benefits make this a stock with investment appeal, offering significant advantages especially for those who use or are considering using “chocoZAP.”

The RIZAP Group is listed exclusively on the Sapporo Securities Exchange (SSE), so investors should be aware that liquidity is somewhat low and that the stock cannot be purchased through brokerage firms—such as Rakuten Securities—that do not handle SSE-listed stocks.Currently, the stock price is trading at its lowest level since the beginning of the year. However, the “chocoZAP” business, which had been operating at a loss, has turned a profit. With signs of progress toward a transfer to the Tokyo Stock Exchange (TSE), the groundwork for a stock price rally is taking shape.

Missed the Application Deadline and Suffered a Big Loss? The Pitfalls of Earning Points Through Shareholder Perks

When it comes to point-based shareholder benefits, in addition to how many points you receive for a given investment (the benefit yield), it’s also important to consider whether you can actually use those points effectively. With universal points, there’s generally no risk of them being unusable. On the other hand, you must be careful with proprietary points (e-money), as their usage is often limited to specific merchants.

Furthermore, many point-based shareholder benefits require application via a shareholder-only website or app, and in many cases, there are application deadlines and point expiration dates. Be sure to check your stock-related mail and emails regularly so you don’t miss out on benefits by forgetting to apply.

*This article is intended solely for informational purposes and does not constitute a solicitation to buy or sell any specific stock. Please make your final investment decisions based on your own judgment.The required investment amount, expected dividend yield, and benefit yield (benefit amount / required investment amount) mentioned in this article were calculated based on the stock price (closing price) and benefit details as of the date of writing (June 15, ’26).These figures are subject to change due to fluctuations in stock prices or changes to shareholder benefit programs. Please verify the latest information before considering a purchase.