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Mebuki Financial Group (7167) investor relations material
Mebuki Financial Group Q4 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Consolidated net income reached ¥84.2bn, up 44.5% YoY, marking a record high for the group.
Core net business income rose by ¥27.3bn YoY to ¥119.6bn, driven by higher loan-deposit interest margins and securities income.
Ordinary income rose 23.0% YoY to ¥443.3bn, with ordinary profit up 39.6% to ¥115.7bn.
Comprehensive income surged to ¥161.1bn from ¥9.6bn the previous year, reflecting strong market gains.
Loans grew by ¥588.7bn (+4.5% YoY), with strong growth in both corporate and individual segments.
Financial highlights
Net interest income increased by ¥32.0bn YoY, supported by a ¥36.5bn rise in interest on yen-denominated loans and a ¥20.9bn increase in securities income.
Consolidated gross profit was ¥214.2bn, up from ¥206.1bn, with net interest income at ¥50.7bn.
Credit related costs were ¥14.8bn, up YoY, mainly due to downgrades of major borrowers.
OHR improved to 49.0% (down from 54.2%), reflecting top-line growth and cost control.
Annual dividends per share increased to ¥28 (payout ratio 31.4%), with a forecast of ¥40 (39.5%) for FY2026.
Outlook and guidance
FY2026 forecast: consolidated ordinary profit of ¥139.0bn (+¥23.3bn YoY) and net income of ¥95.0bn (+¥10.8bn YoY).
Fiscal year 2027 forecasts ordinary profit of ¥139.0bn (+20.1% YoY) and net income attributable to owners of ¥95.0bn (+12.8% YoY).
ROE expected to rise to approximately 9.0%.
Medium-term plan targets ordinary profit of ¥130.0bn+ and net income of ¥90.0bn+ by FY2027.
Basic earnings per share forecast for FY2027 is ¥101.21.
- Record profit growth, strong loan expansion, and higher shareholder returns on upward forecast.7167
Investor presentation24 Feb 2026 - Record profit and comprehensive income surge, driven by higher margins and valuation gains.7167
Q3 20266 Feb 2026 - Record profit growth, higher forecasts, and major share buyback drive strong shareholder returns.7167
Q2 202621 Nov 2025 - Net and ordinary income surged over 21% YoY, with strong outlook and share cancellation ahead.7167
Q1 20266 Aug 2025 - Record profit growth and higher dividends drive upward forecast revisions and strong returns.7167
Q2 202513 Jun 2025 - Net and ordinary profit rose, but comprehensive income was negative on securities losses.7167
Q1 202513 Jun 2025 - Record net income and robust loan growth set the stage for higher returns in FY2025.7167
Q4 20256 Jun 2025 - Net income and profit soared YoY, prompting an upward revision of full-year guidance.7167
Q3 20256 Jun 2025
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Next Mebuki Financial Group earnings date
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