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 are point-based shareholder benefits becoming so popular?

Over the past several years, a growing number of companies have begun offering shareholders rewards in the form of common loyalty points, such as Rakuten Points and d Points, as well as company-specific points and electronic money that can be used within their own businesses.

Behind this trend lies a shift in how companies view individual investors, along with a desire to increase shareholder numbers in order to satisfy stock exchange listing requirements.

Another major reason is cost reduction.

Offering company products or paper gift certificates as shareholder perks often involves considerable expenses, including shipping fees and inventory management costs. In contrast, points and digital gift programs can be distributed online, significantly reducing operating costs.

For shareholders, the advantages are equally clear. If the points can be used at stores or services they already use regularly, the rewards become much more convenient and practical.

In other words, the system offers benefits to both companies and investors.

This time, we’ll introduce noteworthy stocks that award shareholders with common loyalty points issued by other companies, along with companies that offer attractive in-house points programs and electronic money as shareholder benefits.

The Highest-Yield Common Points Shareholder Perks

◇ More Than a 15% Yield From a Single Share! — Monex Group (8698)

Monex Group (8698) is a financial group centered on 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 it is now a consolidated subsidiary of NTT Docomo.

Shareholders who own at least one share of Monex Group stock as of the end of March or the end of September receive Monex Points, worth the equivalent of ¥1 per point, according to the number of shares they hold. Monex Points can be exchanged at equal value for d Points, Ponta Points, V Points, and other rewards programs. If the account is linked to a d Account, the points are automatically converted into d Points.

One of the program’s major features is that even a single share qualifies for shareholder benefits. If only one share is held, the shareholder-benefit yield reaches 15.43% (100 reward points per year on an investment of ¥648).

However, investors should note that these benefits are available only if the shares are held in a Monex Securities account.

Although the highest benefit yield is achieved by holding a single share, the actual return is naturally quite small—equivalent to about ¥100 in annual reward points plus an estimated dividend of roughly ¥30.

Because Monex Group also offers a relatively high dividend yield of nearly 5%, investors may find it more worthwhile to treat the reward points as an added bonus and invest in the usual lot size of 100 shares while focusing primarily on dividend income.

A holding of 100 shares can be purchased for approximately ¥65,000, and the annual reward increases to 200 points.

◇ Special Anniversary Bonus! Long-Term Holders Benefit More — Curves Holdings (7085)

Curves Holdings (7085) operates Curves, the largest women-only fitness chain in Japan.

Shareholders who own 100 shares or more of Curves Holdings stock as of the end of August (requiring an investment of ¥87,400) can choose one of the following shareholder benefits: A QUO Card and Electronic money, such as PayPay Money Light, an au PAY gift, or a Rakuten Point gift.

Shareholders who are Curves members themselves, or whose family members belong to Curves, may also choose a discount on products offered through Curves’ subscription delivery service.

The value of the benefits depends on both the number of shares held and the length of ownership, meaning that rewards increase over time.

If an investor holds 100 shares for more than one year, the combined yield from dividends and shareholder benefits exceeds 5%.

In addition, for shareholder benefits granted on the basis of holdings as of August 2026, an extra ¥1,000 will be added to commemorate the 20th anniversary of the Curves chain.

◇ Awarded Every Month, Plus Preferential Fee Benefits! 【Resona Holdings (8308)】

Although the dividend yield itself may seem modest, shareholders receive points every month while also saving on ATM and transfer fees, making this something of a hidden high-value stock. If you use a Resona Group bank as your primary bank, it may be worth considering.

Resona Holdings (8308) is a major financial group that owns subsidiaries such as “Resona Bank” and “Resona Bank.” Combining the characteristics of a city bank, a trust bank, and a regional bank, the group has established a unique position within the industry.

Shareholders who own 100 or more shares of Resona Holdings stock (requiring an investment of ¥220,300) receive monthly Club Points as a shareholder benefit. Club Points are accumulated through transactions with Resona Group banks and can be exchanged for d Points, Ponta Points, V Points, Rakuten Points, JAL or ANA miles, cash back, and other rewards. Conversion rates vary depending on the destination program (for every 100 Club Points, shareholders receive 75 Rakuten Points, 90 V Points, or 100 d Points or Ponta Points).

In addition, shareholders receive preferential treatment on ATM usage fees and bank transfer fees according to their status level (Pearl, Ruby, or Diamond), which is determined by the number of shares held and the extent of their transactions with Resona Group banks.

Although the shareholder-benefit yield itself is only 0.11%, shareholders who regularly use Resona Group banks can enjoy advantages in the form of both reward points and reduced fees.

Remarkably High Returns! Original Point Shareholder Benefits

◇ A Must-See for Dining Lovers! The Colowide Group Four 【Colowide / Atom / Kappa Create / OOTOYA Holdings】

The Colowide Group is a major restaurant group consisting of four listed companies: Colowide (7616), which operates restaurants such as the izakaya chain Amataro; Atom (7412), which runs businesses including conveyor-belt sushi restaurant Kaisen Atom, Steak Miya, and Karubi Taisho; Kappa Create (7421), which operates Kappa Sushi; and OOTOYA Holdings (2705), which operates the set-meal restaurant chain Ootoya Gohandokoro.

In addition, Reins International, which operates brands such as Gyukaku, Shabushabu Onyasai, and Freshness Burger, is also part of the Colowide Group, but because it is not publicly listed, its stores are not included in the shareholder-benefit program.

The benefits offered by the four listed companies are provided by adding shareholder reward points to the “Shareholder Benefit Card” sent out after the initial issuance. These points can be used at eligible stores throughout the group, with 1 point equivalent to 1 yen (excluding some brands such as Ootoya Gohandokoro).

For Colowide (7616), shareholders who own 500 shares or more receive points worth ¥10,000 every three months (¥40,000 annually), resulting in a high shareholder-benefit yield of 4.38%. However, the required investment amount exceeds ¥900,000, making it more difficult to obtain the benefits.

Atom (7412) and Kappa Create (7421) offer benefits starting from 100 shares, with the benefit amount increasing according to the number of shares held. With 100 shares, investors can obtain shareholder benefits with investments of just under ¥60,000 and slightly over ¥140,000 respectively, making them more accessible than Colowide (7616).
(Note: Starting with the shareholder benefit program based on September 2026 as the record date — with points granted in December 2026 — the number of points awarded will be reduced by half.)

The shareholder benefits of OOTOYA Holdings (2705) are notable because they can be used not only at the three companies’ eligible stores but also at Ootoya Gohandokoro. However, its share price is relatively high (requiring an investment of ¥755,000), and the shareholder-benefit yield remains around 1%.

◇ Highly Practical! 【MatsukiyoCocokara & Co. (3088)】

MatsukiyoCocokara & Co. (3088) is one of Japan’s largest drugstore chains, created through the business integration of Matsumoto Kiyoshi and Cocokara Fine.

Shareholders who own 100 or more shares as of the end of March or September receive 2,000 MatsukiyoCocokara Points as a shareholder benefit (requiring an investment of ¥233,700).

MatsukiyoCocokara Points can be used at physical stores at a rate of 200 points = ¥200, while at the online store they can be used from 1 point = ¥1. They can also be exchanged for other companies’ reward programs and miles, including d Points, Rakuten Edy, and JAL/ANA miles.

The shareholder-benefit yield is 1.71%, while the expected dividend yield is 2.40%, making this a highly practical shareholder benefit program.

◇ Unique Experience-Based Benefits Too! PPIH (Don Quijote) 【Pan Pacific International Holdings (7532)】

Pan Pacific International Holdings (PPIH) (7532) is a major discount retail group that operates stores such as Don Quijoteand MEGA Don Quijote.

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

In addition, the company offers unique experience-based shareholder benefits, including a digital stamp card where shareholders earn one stamp for every ¥1,000 spent and can exchange stamps for the company’s private brand products from Jounetsu Kakaku, lottery invitations to private events where participants can experience PB products, and message cards inspired by Don Quijote’s famous handwritten POP displays.

The shareholder-benefit yield is 0.72%, which is modest when considering the points alone, but it is still a highly convenient and enjoyable shareholder benefit program.

◇ An Astonishing Yield of Over 66%! 【RIZAP Group (2928)】

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

Shareholders who hold RIZAP Group shares as of the end of March receive three types of shareholder benefits depending on the number of shares they own: (1) 50% off monthly membership fee coupons for chocoZAP, (2) Point-based shareholder benefits, (3) RIZAP Group digital gift vouchers.

With 100 shares, shareholders receive only six months’ worth of chocoZAP half-price coupons. However, when holdings reach 400 shares, point benefits and digital gift vouchers are added, causing the shareholder-benefit yield to jump to 66.79% (the highest shareholder-benefit yield is achieved when holding 400 shares). The stock can be purchased for less than ¥20,000 with 100 shares, and even 400 shares can be acquired for less than ¥80,000.

The point benefits can be exchanged for products from group companies (more than 500 categories and 730,000 items) through a shareholder-exclusive website, while digital gift vouchers can be used at the official e-commerce sites of group companies such as RIZAP, APORITO, BRUNO, and Jeans Mate. Although the company does not pay dividends, it is a stock with attractive shareholder benefits. In particular, it offers significant advantages for people who already use or are considering using chocoZAP.

RIZAP Group is a stock listed exclusively on the Sapporo Securities Exchange (SSE). Investors should be aware that the stock has somewhat lower liquidity and cannot be purchased through securities companies that do not handle SSE-listed stocks, such as Rakuten Securities.

Recently, the share price has remained sluggish, trading around its year-to-date low levels. However, the previously loss-making chocoZAP business has achieved profitability. With moves being made toward a possible transfer to the Tokyo Stock Exchange (TSE), the groundwork for future share price growth is gradually being established.

Forgetting to Apply Could Mean a Big Loss? The Pitfalls of Shareholder Benefit Point Programs

With point-based shareholder benefits, it is important not only to consider how much investment is required and how many points can be received (the shareholder-benefit yield), but also whether those points can actually be used effectively. In the case of common points, there is generally little risk of being unable to use them. However, company-specific points (electronic money) often have limited places where they can be used, so caution is necessary.

In addition, many point-based shareholder benefits require applications through shareholder-only websites or apps, and there are often set application deadlines and expiration dates for the points. To avoid missing out on benefits due to forgetting to apply, be sure to regularly check stock-related mail and emails.

This article is intended solely to provide information and does not constitute an invitation to purchase or sell any specific stock, nor does it recommend trading. Please make investment decisions based on your own judgment. The required investment amounts, expected dividend yields, and shareholder-benefit yields (benefit value / required investment amount) mentioned in the article were calculated based on stock prices (closing prices) as of the time of writing (June 15, 2026) and the shareholder benefit programs available at that time. These figures may change due to fluctuations in stock prices or changes to shareholder benefit programs. Please check the latest information before considering any purchase.