Mebuki Financial Group (7167) Q3 2026 earnings summary

Executive summary

• Net income attributable to owners rose to ¥64.656bn, up 31.6% year-over-year, marking the highest third-quarter profit since business integration, driven by higher interest margins and securities income.

• Ordinary profit for the period increased to ¥89.211bn, up 26.7% year-over-year.

• Comprehensive income surged 646.6% year-over-year to ¥140.836bn, reflecting significant gains in other comprehensive income.

Financial highlights

• Gross business profit reached ¥164.39bn, up ¥22.794bn year-over-year.

• Net interest income increased to ¥141.596bn, with the difference of interests between loans and deposits up ¥7.6bn.

• Securities income rose ¥16.5bn year-over-year, reflecting successful portfolio rebalancing and higher BOJ deposit interest.

• Expenses increased by ¥4.7bn year-over-year to ¥85.5bn, mainly due to investments in human capital and sales.

• Basic earnings per share increased to ¥68.23 from ¥49.02 year-over-year.

Outlook and guidance

• FY25 net income forecast revised up to ¥75.0bn, ordinary profit to ¥106.0bn, both exceeding initial forecasts.

• ROE guidance raised to 7.5%, up 0.5 percentage points from the initial plan.

• Basic earnings per share for the full year is projected at ¥79.34.

• Annual dividend forecast is ¥26.00 per share.