Kyoto Financial Group (5844) Q1 2026 earnings summary

Executive summary

• Ordinary income rose by ¥5,075 million year-over-year to ¥52,779 million, driven by higher interest on loans and bills discounted.

• Ordinary profit fell by ¥5,491 million year-over-year to ¥17,646 million due to increased deposit interest and operating expenses.

• Net income attributable to owners of parent decreased by ¥3,943 million year-over-year to ¥12,996 million.

Financial highlights

• Total assets increased by ¥167.5 billion from the previous fiscal year-end to ¥12,328.6 billion.

• Net assets rose by ¥150.1 billion from the previous fiscal year-end to ¥1,233.3 billion.

• Equity-to-asset ratio improved to 10.0% from 8.9% at the previous fiscal year-end.

• Net income per share for the quarter was ¥45.12, down from ¥57.98 year-over-year.

• Comprehensive income surged to ¥167,280 million from ¥30,780 million year-over-year, mainly due to valuation gains on securities.

Outlook and guidance

• Full-year forecast for FY2026: ordinary income ¥199,700 million (+19.3% YoY), ordinary profit ¥58,100 million (+14.1% YoY), net income attributable to owners of parent ¥40,000 million (+9.4% YoY), EPS ¥137.94.

• No changes to the previously announced earnings forecast.

• Dividend forecast for FY2026 is ¥70.00 per share, up from ¥60.00 in the previous year.