Iyogin Holdings (5830) Q4 2026 earnings summary

Executive summary

• FY25 profit attributable to owners of parent reached a record ¥74,253 million, up 39.3% YoY, driven by higher loan balances, improved interest margins, and securities gains.

• EPS rose to ¥253.96; share price gained 160.3% since the FY24 plan began, and P/B reached 1.00x at end-May 2026.

• FY26 priorities include expanding consulting and digital services, reallocating resources to growth businesses, and targeting ROE of at least 8.5%.

Financial highlights

• Consolidated ordinary income rose 14.8% to ¥266,118 million; ordinary profit increased 32.2% to ¥99,206 million.

• Consolidated core business net income rose 64.9% to ¥67,640 million; core business gross profit increased 20.3% to ¥131.6bn.

• Net interest and dividend income grew ¥14,902 million to ¥104.4bn; expenses fell ¥4,426 million to ¥63.9bn, while credit costs rose ¥5,976 million to ¥7.8bn.

• Securities gains increased ¥3,711 million to ¥36.6bn; stock-related gains rose ¥12.2bn to ¥28.4bn.

• Total assets reached ¥9,539.8bn, up ¥338.2bn; net assets rose ¥75.1bn to ¥877.8bn.

Outlook and guidance

• FY26 forecast: ordinary income ¥270,000 million, ordinary profit ¥111,000 million, and profit attributable to owners of parent ¥77,000 million.

• FY26 consolidated core business net income is forecast at ¥72.5bn and core business gross profit at ¥139.0bn; interest and dividend income is projected to rise ¥13.6bn to ¥118.0bn.

• Guidance assumes two domestic policy-rate hikes totaling 0.50%; planned consolidated ROE is at least 8.5%, with core OHR ~48%.

• FY26 annual dividend is planned at ¥80 per share; total payout ratio target is at least 50%.