Kyoto Financial Group (5844) Q3 2025 earnings summary

Executive summary

• Ordinary income rose by ¥20.2 billion year-over-year to ¥129.2 billion, driven by higher fund management income, including interest on loans and securities.

• Ordinary profit increased by ¥2.4 billion year-over-year to ¥45.4 billion, and net income attributable to owners of parent grew by ¥846 million to ¥32.4 billion.

Financial highlights

• Ordinary income: ¥129.2 billion (up 18.5% year-over-year).

• Ordinary profit: ¥45.4 billion (up 5.6% year-over-year).

• Net income attributable to owners of parent: ¥32.4 billion (up 2.6% year-over-year).

• Net income per share: ¥110.97 (diluted: ¥110.90).

• Comprehensive income: ¥122.7 billion, a significant turnaround from a loss of ¥15.8 billion in the prior year.

Outlook and guidance

• Full-year forecast remains unchanged: ordinary income ¥161.6 billion (+17.3% YoY), ordinary profit ¥49.5 billion (+13.5% YoY), net income attributable to owners of parent ¥35.0 billion (+10.8% YoY), EPS ¥119.78.