Kyoto Financial Group (5844) Q3 2026 earnings summary

Executive summary

• Ordinary income rose by ¥31.3 billion year-over-year to ¥160.6 billion, driven by higher fund management income and gains on securities sales.

• Ordinary profit increased by ¥9.4 billion year-over-year to ¥54.8 billion, and net income attributable to owners of parent rose by ¥6.8 billion to ¥39.2 billion.

• Comprehensive income improved significantly to ¥134.0 billion from a loss of ¥15.8 billion in the prior year period.

Financial highlights

• Net income per share for the nine months was ¥137.02, up from ¥110.97 year-over-year.

• Total assets stood at ¥12,009.3 billion, down ¥151.8 billion from March 2025, while net assets increased by ¥99.0 billion to ¥1,182.2 billion.

• Equity-to-asset ratio improved to 9.8% from 8.9% at the previous fiscal year-end.

• Gross banking profit increased by ¥2.3 billion year-over-year to ¥88.4 billion, with net interest income and net fees and commissions both rising.

Outlook and guidance

• Full-year forecast for FY2025 remains unchanged: ordinary income of ¥202.2 billion (+20.8% YoY), ordinary profit of ¥63.5 billion (+24.7% YoY), and net income attributable to owners of parent of ¥45.0 billion (+23.1% YoY).

• Dividend forecast for FY2025 is ¥80 per share, with no revisions announced.