Logotype for Yamaguchi Financial Group Inc

Yamaguchi Financial Group (8418) Q2 2026 earnings summary

Event summary combining transcript, slides, and related documents.

Logotype for Yamaguchi Financial Group Inc

Q2 2026 earnings summary

27 Nov, 2025

Executive summary

  • Ordinary income rose 6.3% year-over-year to ¥113,577 million for the six months ended September 30, 2025, with ordinary profit up 8.4% to ¥26,732 million and profit attributable to owners of parent up 33.1% to ¥21,527 million.

  • Comprehensive income surged to ¥50,560 million from a loss of ¥2,244 million in the prior year period, driven by significant gains in valuation differences on available-for-sale securities and hedges.

Financial highlights

  • Net interest income declined by ¥9,339 million year-over-year, but interest on loans and discounts increased by ¥2,705 million.

  • Net fees and commissions fell by ¥927 million, while net other business profit improved by ¥8,804 million, though still negative.

  • Gains (losses) on bonds were negative ¥7,896 million, a ¥5,470 million improvement from the previous year.

  • ROE improved to 6.69% from 4.98% year-over-year; OHR improved to 55.52% from 56.59%.

  • Capital adequacy ratio (consolidated) increased to 13.57% from 12.85% as of March 31, 2025.

Outlook and guidance

  • Full-year forecast for ordinary profit is ¥45,000 million (up 14.2% year-over-year), and profit attributable to owners of parent is projected at ¥31,500 million (up 10.9%), with basic EPS forecast at ¥149.25.

  • Dividend forecast for the fiscal year ending March 31, 2026, is ¥64.00 per share, up from ¥60.00 in the previous year.

Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.
All investor relations material. One API.
Learn more