Shinkin Central Bank, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 52%, Oct-Dec Ordinary Profit Increases by 2.3 times

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Thu Jan 30, 2025 4:00 pm JST Earnings

8421 Shinkin Central Bank 【J-GAAP】

Earnings Report

Shinkin Central Bank <8421> [TSE] announced its financial results after the market closed on January 30th (16:00). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2025 (April to December) expanded 46.6 billion yen, an increase 52.1% compared to the same period last year. The progress rate toward the full-year plan of 55 billion yen was 84.9%, almost the same as the five-year average of 86.0%.

Based on the cumulative third-quarter performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the January to March period (4Q) is expected to drop 38.5% from the same period last year to 8.32 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit surged 2.3 times that of the same period last year, reaching 17.2 billion yen.

Kabutan News

Actual Results

Accumulated Results 3rd Quarter

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Progress Rate vs. First Half	Announce	Accounting Standards
Apr - Dec, 2022	259,852	ー	38,278	27,890	4,157.7	106.2	Jan 27, 2023	J-GAAP
Apr - Dec, 2023	307,287	ー	30,690	22,592	3,367.9	69.4	Jan 30, 2024	J-GAAP
Apr - Dec, 2024	344,618	ー	46,672	33,283	3,822.0	84.9	Jan 30, 2025	J-GAAP
YoY	+12.1%	－	+52.1%	+47.3%	+13.5%

Current Period Guidance

Second Half Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Oct - Mar, 2023	238,233	ー	21,181	15,335	2,129.7	6,500	May 17, 2024	J-GAAP
Oct - Mar, 2024 Guidance	ー	ー	25,596	18,840	2,808.5	6,500	Oct 30, 2024	J-GAAP
YoY	－	－	+20.8%	+22.9%	+31.9%

Current Period Guidance

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2023	373,723	ー	36,027	26,221	3,592.2	6,500	May 19, 2023	J-GAAP
Mar, 2024	427,435	ー	44,230	32,145	4,464.3	6,500	May 17, 2024	J-GAAP
Mar, 2025 Guidance	ー	ー	55,000	40,000	5,962.8	6,500	May 17, 2024	J-GAAP
YoY	－	－	+24.3%	+24.4%	+33.6%

Quarterly Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Oct - Dec, 2023	118,085	ー	7,641	5,782	862.0	0.0	Jan 30, 2024	J-GAAP
Jan - Mar, 2024	120,148	ー	13,540	9,553	1,326.7	0.0	May 17, 2024	J-GAAP
Apr - Jun, 2024	111,368	ー	19,157	13,927	1,599.3	0.0	Jul 26, 2024	J-GAAP
Jul - Sep, 2024	108,268	ー	10,247	7,233	830.6	0.0	Oct 30, 2024	J-GAAP
Oct - Dec, 2024	124,982	ー	17,268	12,123	1,392.1	0.0	Jan 30, 2025	J-GAAP
YoY	+5.8%	－	+126.0%	+109.7%	+61.5%