Kyoto Financial Group (5844) Q4 2025 earnings summary

Executive summary

• Ordinary profit rose by ¥7.3 billion year-over-year to ¥50.9 billion, and net income attributable to owners of parent increased by ¥4.9 billion to ¥36.5 billion, both reaching record highs.

• Growth was driven by higher interest income, especially from loans, and increased fees and commissions, notably from corporate transactions.

Financial highlights

• Consolidated ordinary income increased 21.4% year-over-year to ¥167.3 billion; ordinary profit up 16.8% to ¥50.9 billion; net income attributable to owners of parent up 15.7% to ¥36.6 billion.

• Net income per share was ¥125.11, up from ¥106.55 year-over-year.

• Total assets grew by ¥584.5 billion to ¥12,161.1 billion; total net assets decreased by ¥57.8 billion to ¥1,083.1 billion.

• Cash and cash equivalents at period-end increased by ¥392.7 billion to ¥1,322.2 billion.

Outlook and guidance

• For FY2025, consolidated ordinary income is forecast at ¥199.7 billion, ordinary profit at ¥58.1 billion, and net income attributable to owners of parent at ¥40.0 billion.

• Full-year dividend for FY2025 is planned at ¥70 per share, up ¥10 year-over-year.