Kyoto Financial Group (5844) Q4 2026 earnings summary

Executive summary

• Achieved record-high ordinary profit of ¥137.1 billion and net income attributable to owners of parent of ¥96.7 billion, up ¥86.2 billion and ¥60.1 billion year-over-year, respectively, driven by higher interest income and gains on strategic equity sales.

• Even excluding the one-time gain from the sale of Nintendo shares, net income attributable to owners of parent reached a record ¥45.0 billion.

Financial highlights

• Ordinary income rose to ¥366.7 billion, up ¥199.4 billion year-over-year, with ordinary profit at ¥137.2 billion and net income attributable to owners of parent at ¥96.7 billion.

• Core gross banking profit increased by ¥8.5 billion to ¥117.7 billion, with net interest income up ¥6.7 billion to ¥91.0 billion and net fees and commissions at a record high for the sixth consecutive year.

• Total assets decreased by ¥335.4 billion to ¥11,825.6 billion, while net assets increased by ¥53.0 billion to ¥1,136.2 billion.

• Deposits grew by ¥313.9 billion to ¥9,575.0 billion; loans increased by ¥322.6 billion to ¥7,590.9 billion.

• Securities holdings decreased by ¥653.9 billion to ¥2,650.9 billion.

Outlook and guidance

• For FY2026, forecasts consolidated ordinary income of ¥225.9 billion, ordinary profit of ¥77.6 billion, and net income attributable to owners of parent of ¥52.0 billion.

• Excluding the Nintendo share sale, underlying profit is projected to rise by ¥7.0 billion year-over-year.

• Plans to increase the full-year dividend to ¥105 per share for FY2026, up ¥25 from the previous year's ordinary dividend.