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Mebuki Financial Group (7167) investor relations material
Mebuki Financial Group Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary10 Nov, 2025
Executive summary
Net income attributable to owners rose 36.7% YoY to ¥43.773bn, the highest first-half profit since integration, driven by higher interest margins, securities income, and improved market valuations.
Ordinary income for the six months ended September 30, 2025, rose 28.7% YoY to ¥211.549bn.
Core net business income increased by ¥12.3bn YoY to ¥56.0bn, with significant contributions from interest rate rises and securities portfolio management.
The group revised its full-year forecast upward: ordinary profit to ¥106.0bn and net income to ¥75.0bn, with ROE expected at 7.5%.
Annual dividend per share to increase to ¥26.00, reflecting improved earnings.
Financial highlights
Gross business profit reached ¥107.738bn (+¥8.377bn YoY); net interest income rose ¥15.4bn YoY to ¥90.6bn.
Ordinary profit increased 29.6% YoY to ¥59.694bn; basic EPS rose to ¥46.03.
Total assets as of September 30, 2025, were ¥20,976.744bn, with net assets at ¥1,031.670bn.
Expenses increased by ¥3.4bn YoY to ¥57.3bn, mainly due to personnel and strategic investments.
Credit related costs were ¥3.7bn, up ¥0.7bn YoY, in line with the full-year plan.
Outlook and guidance
FY2025 consolidated ordinary profit forecast revised to ¥106.0bn and net income to ¥75.0bn, reflecting strong 1H25 results and positive outlook.
Subsidiary banks (Joyo and Ashikaga) also saw upward revisions in profit and net income forecasts.
Market scenario assumes stable policy rates in Japan and two rate cuts in the U.S. during FY25.
Annual dividend forecast was revised upward to ¥26.00 per share.
Future capital policy post share buybacks
What sustains interest rate spread improvement?
Managing large unrealized securities gains
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Next Mebuki Financial Group earnings date
Q3 20266 Feb, 2026
Next Mebuki Financial Group earnings date
Q3 20266 Feb, 2026
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