Kiyo Bank, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 8%, Oct-Dec Ordinary Profit Increases by 8%

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Mon Feb 3, 2025 3:00 pm JST Earnings

8370 The Kiyo Bank, Ltd. 【J-GAAP】

Earnings Report

The Kiyo Bank, Ltd. <8370> [TSE Prime] announced its financial results in the afternoon session on February 3rd (15:00). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2025 (April to December) increased 8.5% from the same period last year, reaching 16.5 billion yen. The progress rate toward the full-year plan of 21.1 billion yen was 78.3%, also surpassing the progress rate of 75.6% from the same period of the previous year.

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 decrease 6.7% from the same period last year to 4.57 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit grew 7.7% from the same period last year, reaching 6.09 billion yen.

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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	62,772	ー	19,800	13,967	212.6	390.4	Feb 3, 2023	J-GAAP
Apr - Dec, 2023	61,426	ー	15,228	10,065	154.0	75.6	Feb 2, 2024	J-GAAP
Apr - Dec, 2024	68,260	ー	16,521	11,428	176.3	78.3	Feb 3, 2025	J-GAAP
YoY	+11.1%	－	+8.5%	+13.5%	+14.4%

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	44,454	ー	10,566	8,488	129.8	25	May 13, 2024	J-GAAP
Oct - Mar, 2024 Guidance	39,796	ー	10,672	6,902	107.7	45	Nov 11, 2024	J-GAAP
YoY	-10.5%	－	+1.0%	-18.7%	-17.0%

Current Period Guidance

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2023	84,449	ー	5,072	3,924	59.8	40	May 12, 2023	J-GAAP
Mar, 2024	84,782	ー	20,136	15,020	229.7	50	May 13, 2024	J-GAAP
Mar, 2025 Guidance	85,600	ー	21,100	14,500	226.3	90	Nov 11, 2024	J-GAAP
YoY	+1.0%	－	+4.8%	-3.5%	-1.5%

Quarterly Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Oct - Dec, 2023	21,098	ー	5,658	3,533	54.1	0.0	Feb 2, 2024	J-GAAP
Jan - Mar, 2024	23,356	ー	4,908	4,955	75.8	0.0	May 13, 2024	J-GAAP
Apr - Jun, 2024	23,707	ー	5,138	3,711	56.7	0.0	Aug 5, 2024	J-GAAP
Jul - Sep, 2024	22,097	ー	5,290	3,887	59.6	0.0	Nov 11, 2024	J-GAAP
Oct - Dec, 2024	22,456	ー	6,093	3,830	59.1	0.0	Feb 3, 2025	J-GAAP
YoY	+6.4%	－	+7.7%	+8.4%	+9.3%