Iyogin Holdings (5830) Q4 2025 earnings summary

Executive summary

• Achieved record-high consolidated profit of ¥53.3 billion, up 35.1% year-over-year, driven by core business growth, higher interest income, and gains on securities sales.

• Ordinary income rose 20.3% year-over-year to ¥231,888 million, supported by increased loan balances, improved interest margins, and strategic securities sales.

• Initiated restructuring of business and human resource portfolios, focusing on withdrawal from unprofitable businesses and optimizing headquarters staff.

• Enhanced digital channels, with AGENT app users exceeding 230,000, and expanded consulting and asset management services.

• Increased annual dividend to ¥45 per share for FY24 and ¥50 forecast for FY25, alongside treasury stock purchases totaling up to ¥11 billion.

Financial highlights

• Consolidated gross profit rose by ¥17,770 million year-over-year to ¥126,075 million, with core business gross profit at ¥109.4 billion.

• Net income attributable to owners of parent increased 35.1% year-over-year to ¥53.3 billion.

• Net interest and dividend income increased by ¥6,585 million to ¥89,530 million.

• Expenses increased by ¥13.2 billion, mainly due to higher personnel and strategic investment costs.

• Credit costs declined by ¥0.9 billion year-over-year, with non-performing loan ratio at 1.54%.

Outlook and guidance

• FY25 profit attributable to owners of parent is forecast at ¥51.5 billion, maintaining a high level.

• Consolidated ROE target for FY26 revised upward to 7%.

• Total payout ratio to be raised to 50% or higher by FY26.

• Annual dividend per share for FY25 planned at ¥50, up ¥5 year-over-year.

• Planned treasury stock purchase of up to ¥4.0 billion in the first half of FY25.