KYUSHU FINANCIAL GROUP (7180) Q3 2025 earnings summary

Executive summary

• Ordinary income for the nine months ended December 31, 2024, decreased by ¥845 million year-over-year to ¥166,889 million, mainly due to lower other ordinary income despite higher interest income.

• Ordinary profit declined by ¥2,502 million year-over-year to ¥30,092 million, with profit attributable to owners of parent down ¥1,742 million to ¥20,931 million.

• Comprehensive income dropped sharply to ¥435 million from ¥43,198 million in the prior year, reflecting significant valuation losses on available-for-sale securities.

Financial highlights

• Ordinary revenues: ¥166,889 million (down 0.5% year-over-year).

• Ordinary profit: ¥30,092 million (down 7.6% year-over-year).

• Profit attributable to owners of parent: ¥20,931 million (down 7.6% year-over-year).

• Basic earnings per share: ¥48.38 (down from ¥52.41 year-over-year).

• Total assets at period end: ¥13,485.3 billion (down ¥35.9 billion from March 31, 2024).

• Net assets at period end: ¥709.9 billion (down ¥7.6 billion from March 31, 2024).

Outlook and guidance

• Full-year forecast for ordinary profit: ¥41,500 million (up 7.9% year-over-year).

• Full-year forecast for profit attributable to owners of parent: ¥28,500 million (up 7.9% year-over-year).

• Basic earnings per share forecast for the year: ¥65.87.

• No changes to previously announced earnings forecasts.