)
Edge6 Feb 2026
SharkNinja: Viral by Design
How SharkNinja built a repeatable growth engine, turning overlooked appliance categories into global brands through consumer insight and iteration.
SBI Shinsei Bank
SBI Shinsei Bank (8303) investor relations material
SBI Shinsei Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary4 Feb, 2026
Executive summary
Achieved record highs for total revenue, ordinary income, and net income for Q3 FY2025, with strong progress toward full-year targets.
Ordinary income for the nine months ended December 31, 2025, rose 23.4% year-over-year to ¥566.3 billion, with profit attributable to owners of parent up 21.7% to ¥90.9 billion.
Net income rose 22% year-over-year, supported by higher revenue, lower net credit costs, and reduced corporate taxes.
Customer and funding bases expanded, with retail accounts reaching 4.17 million and deposits at JPY16.9 tn.
SBI Hyper Deposits exceeded JPY1.1 tn within four months of launch, improving deposit cost structure.
Financial highlights
Total revenue for April–December 2025 was JPY249.6 bn (+10% YoY), achieving 78% of the full-year plan.
Net income reached JPY90.9 bn (+22% YoY), 91% of the full-year forecast.
Noninterest income surged 31% YoY, driven by housing loan fees, capital gains, and securitization revenues.
Net interest income declined YoY but improved in the latest quarter due to narrowing negative deposit spread.
Total assets grew to ¥23.6 trillion from ¥20.3 trillion as of March 31, 2025.
Expense ratio improved to 52.7% from 54.7% YoY, despite higher system and personnel costs.
Net credit costs decreased 30% YoY, totaling ¥25.3 billion, reflecting strong asset quality and recoveries.
Basic earnings per share for the nine months was ¥113.19, up from ¥99.40 year-over-year.
Outlook and guidance
FY2027 targets include income before income taxes up 50% from FY2024, deposits at JPY18 tn, and operating assets at JPY20 tn.
Full-year profit attributable to owners of parent is forecast at ¥100 billion, up 18.3% year-over-year, with basic EPS projected at ¥121.38.
Assumes further Bank of Japan rate hikes and positive GDP growth.
Dividend forecast for FY2025 is JPY34 per share, with a capital adequacy ratio target of at least 8.5%.
No revision to the previously announced earnings forecast.
Impact of public funds repayment on capital structure
Outline the dividend in kind transaction details
Capital changes from TSE Prime Market listing
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next SBI Shinsei Bank earnings date
Q4 202612 May, 2026
SBI Shinsei Bank
Next SBI Shinsei Bank earnings date
Q4 202612 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage