Kyoto Financial Group (5844) Q4 2025 earnings summary

Executive summary

• FY2025 ordinary profit rose 16.8% to a record ¥50.9bn and parent-attributable net income rose 15.7% to a record ¥36.6bn.

• Higher loan interest income and corporate transaction fees supported growth; higher domestic deposit rates increased funding costs.

Financial highlights

• Ordinary income rose ¥29.6bn to ¥167.3bn; ordinary expenses increased ¥22.2bn to ¥116.3bn.

• Basic EPS increased to ¥125.11 from ¥106.55.

• Comprehensive income was a loss of ¥34.1bn versus income of ¥177.2bn, as available-for-sale securities valuation drove a ¥70.7bn loss in other comprehensive income.

• Operating cash flow was ¥501.6bn versus an outflow of ¥36.8bn; ending cash and equivalents rose to ¥1,322.3bn.

Outlook and guidance

• FY2026 forecast: ordinary income ¥199.7bn, ordinary profit ¥58.1bn and parent-attributable net income ¥40.0bn.

• FY2026 interim forecast: ordinary income ¥101.5bn, ordinary profit ¥31.4bn and parent-attributable net income ¥21.8bn.

• FY2026 annual dividend planned at ¥70/share, comprising ¥35 interim and ¥35 year-end, up ¥10/share YoY.

• Net interest income is projected to increase ¥32.0bn five years after FY2024 at a 1.00% BOJ policy rate, assuming an unchanged balance sheet.