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Shizuoka Financial Group (5831) investor relations material
Shizuoka Financial Group Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary7 Aug, 2025
Executive summary
Consolidated net income rose JPY 1.6bn YoY to JPY 22.6bn, driven by higher net interest income and gross operating profit, with progress rates of 27.9% for net income and 26.4% for ordinary profit toward full-year targets.
Ordinary income rose 8.2% YoY to JPY 91.8bn for the three months ended June 30, 2025, driven by higher interest income and loan growth.
Ordinary profit increased 7.2% YoY to JPY 31.1bn, with profit attributable to owners of parent up 7.7% to JPY 22.6bn.
Gross operating profit increased for the third consecutive year, up JPY 5.1bn YoY to JPY 54.2bn, mainly from Shizuoka Bank's nonconsolidated results.
The economic environment showed moderate recovery, though uncertainties remain due to external factors and weak consumer sentiment.
Financial highlights
Net operating profit reached JPY 27.8bn, up JPY 3.8bn YoY, as gross operating profit growth outpaced a JPY 1.3bn rise in expenses.
Net interest income (nonconsolidated) rose JPY 5.5bn YoY to JPY 42.4bn, supported by higher domestic loan interest from rising JPY rates.
Credit-related costs increased to JPY 1.7bn, in line with expectations and up from a net reversal the previous year.
Net gains on equity securities were JPY 4.4bn, up JPY 0.9bn YoY.
Basic earnings per share for the quarter were JPY 41.66, up from JPY 38.15 a year earlier.
Outlook and guidance
FY2025 full-year forecasts: ordinary profit JPY 118.0bn, net income JPY 81.0bn, with 1Q progress rates of 26.4% and 27.9% respectively.
Full-year ordinary profit forecast is JPY 81.0bn, with profit attributable to owners of parent projected at JPY 118.0bn and EPS of JPY 149.35.
ROE targets: 7.0% (net assets), 8.0% (shareholder equity) for FY2025; 1Q actuals at 7.7% and 9.1% respectively.
Annual dividend forecast raised to JPY 72.00 per share.
No changes to the previously announced FY2025 earnings forecast.
Drivers of credit cost increase this quarter?
What drove the improved interest rate spread?
What caused the AFS securities gain swing?
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Next Shizuoka Financial Group earnings date
Q2 20267 Nov, 2025
Next Shizuoka Financial Group earnings date
Q2 20267 Nov, 2025
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Frequently asked questions
Shizuoka Financial Group, Inc. is a Japanese financial services company primarily engaged in banking and related operations. Through its core subsidiary, Shizuoka Bank, the company provides a range of financial products and services, including deposit accounts, loans, asset management, and investment banking, catering to individual and corporate customers. The company is headquartered in Shizuoka, Japan, and its shares are listed on the Tokyo Stock Exchange.
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