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Yamaguchi Financial Group (8418) investor relations material
Yamaguchi Financial Group Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary13 Nov, 2025
Executive summary
Ordinary income rose 6.3% year-over-year to ¥113,577 million for the six months ended September 30, 2025, with ordinary profit up 8.4% to ¥26,732 million and profit attributable to owners of parent up 33.1% to ¥21,527 million.
Comprehensive income surged to ¥50,560 million from a loss of ¥2,244 million in the prior year period, driven by significant gains in valuation differences on available-for-sale securities and hedges.
Financial highlights
Net interest income declined by ¥9,339 million year-over-year, but interest on loans and discounts increased by ¥2,705 million.
Net fees and commissions fell by ¥927 million, while net other business profit improved by ¥8,804 million, though still negative.
Gains (losses) on bonds were negative ¥7,896 million, a ¥5,470 million improvement from the previous year.
ROE improved to 6.69% from 4.98% year-over-year; OHR improved to 55.52% from 56.59%.
Capital adequacy ratio (consolidated) increased to 13.57% from 12.85% as of March 31, 2025.
Outlook and guidance
Full-year forecast for ordinary profit is ¥45,000 million (up 14.2% year-over-year), and profit attributable to owners of parent is projected at ¥31,500 million (up 10.9%), with basic EPS forecast at ¥149.25.
Dividend forecast for the fiscal year ending March 31, 2026, is ¥64.00 per share, up from ¥60.00 in the previous year.
Reason for H2 profit forecast decline
Explain net interest income decline drivers
Non-recurring gains impact on H1 profit growth
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Q3 20265 Feb, 2026
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