Kyoto Financial Group (5844) Q2 2026 earnings summary

Executive summary

• Net income and ordinary profit reached record highs for the fifth consecutive year, with net income attributable to owners of parent up 5.6 billion yen year-over-year to 26.8 billion yen and ordinary profit up 7.8 billion yen to 37.4 billion yen for the six months ended September 30, 2025.

• Growth was driven by higher interest income, especially from loans and bills discounted, and gains on sale of securities.

Financial highlights

• Ordinary income rose 27.4% year-over-year to 105.5 billion yen; ordinary profit increased 26.2% to 37.5 billion yen; net income attributable to owners of parent grew 26.4% to 26.9 billion yen.

• Net income per share was 93.70 yen, up from 72.72 yen a year earlier.

• Comprehensive income surged to 182.9 billion yen from a loss of 49.6 billion yen in the prior year.

• Total assets stood at 12,155.8 billion yen, with total net assets at 1,245.1 billion yen as of September 30, 2025.

• Equity-to-asset ratio improved to 10.2% from 8.9% at the previous fiscal year-end.

Outlook and guidance

• Full-year forecast for FY2025 projects net income attributable to owners of parent at 45.0 billion yen, an upward revision of 5.0 billion yen, and ordinary profit at 63.5 billion yen.

• Net income per share is forecast at 157.96 yen.

• Full-year dividend forecast raised to 80 yen per share, up 10 yen from the initial forecast.