Mebuki Financial Group (7167) Q4 2025 earnings summary

Executive summary

• Net income attributable to owners rose 34.2% year-over-year to ¥58.2bn, marking a record high since business integration.

• Ordinary income rose 16.1% year-over-year to ¥360.2bn for FY2024.

• Ordinary profit increased by ¥19.7bn to ¥82.8bn, reflecting strong core banking performance.

• Comprehensive income dropped sharply to ¥9.6bn from ¥116.6bn, mainly due to a decline in unrealized gains on securities.

Financial highlights

• Gross business profit grew to ¥172.8bn, up ¥17.4bn year-over-year; net interest income rose to ¥155.4bn.

• Net fees and commissions reached ¥45.4bn, both up year-over-year.

• Ordinary profit increased to ¥82.8bn; consolidated ROE improved to 5.9%.

• Loans outstanding increased by ¥675.8bn (+5.4% YoY); deposits rose by ¥126.3bn (+0.7% YoY).

• Total assets stood at ¥21.4 trillion, with net assets at ¥966.0bn as of March 31, 2025.

Outlook and guidance

• FY2025 forecast: ordinary profit of ¥100.0bn (+20.7% YoY), net income of ¥70.0bn (+20.2% YoY), and ROE of 7.0%.

• Dividend per share planned to rise to ¥24.0; payout ratio targeted at 40% or more by FY2027.

• Strategic focus on fee income growth, asset allocation, and productivity under the Fourth Medium-Term Plan.

• Interim (six months) guidance: ordinary profit ¥51.5bn, net income ¥36.5bn.