Yamaguchi Financial Group (8418) Q4 2025 earnings summary
Event summary combining transcript, slides, and related documents.
Q4 2025 earnings summary
27 Nov, 2025Executive summary
Ordinary income rose 15.5% year-over-year to ¥213.4 billion, with ordinary profit up 40.6% to ¥52.4 billion and profit attributable to owners of parent up 40.2% to ¥35.3 billion.
Comprehensive income turned negative at ¥(12.4) billion, mainly due to large valuation losses on securities.
All three subsidiary banks posted higher ordinary income and profits, with The Yamaguchi Bank leading in profit growth.
Financial highlights
Net interest income increased by ¥5.1 billion year-over-year, driven by higher interest on loans and securities.
Net fees and commissions slightly decreased, while net trading income and other business profit declined.
Credit-related expenses decreased by ¥2.9 billion, supporting profit growth.
ROE improved to 5.55% from 3.98% year-over-year.
Adjusted OHR (excluding one-time items) improved to 56.18% from 60.73%.
Outlook and guidance
For FY2026, ordinary profit is forecast at ¥45.0 billion (down 14.2% year-over-year), and profit attributable to owners of parent at ¥31.5 billion (down 10.9%).
Dividend per share is projected to rise to ¥64.00 for FY2026.
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