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THE HOWA BANK, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 48%, Exceeds Full-Year Plan
8559 THE HOWA BANK,LTD. 【J-GAAP】
Earnings ReportTHE HOWA BANK,LTD. <8559> [FSE] announced its financial results after the market closed on February 7th (15:30). The ordinary profit (non-consolidated) for the cumulative third quarter of the fiscal year ending March 2025 (April to December) expanded 1.47 billion yen, an increase 48.4% compared to the same period last year. The progress rate toward the full-year plan of 0.89 billion yen is 166.1%, already exceeding the target and also exceeding the four-year average of 144.7%.
Based on the cumulative third-quarter performance announced by the company and the unchanged full-year plan, our calculation indicates that the ordinary loss for the January to March period (4Q) is expected to expand to a loss of 0.58 billion yen (compared to a loss of 0.31 billion yen in the same period last year).
In the most recent three-month period, from October to December (3Q), the ordinary profit decreased to 0.47 billion yen, a 10.4% decrease compared to the same period last year.
Kabutan News
Actual Results
Fiscal Year | Revenue | Operating Profit | Ordinary Profit | Net Profit | Adj. EPS | Progress Rate vs. First Half | Announce | Accounting Standards |
---|---|---|---|---|---|---|---|---|
Apr - Dec, 2022 | 7,451 | ー | 1,132 | 1,011 | 171.6 | 77.7 | Feb 10, 2023 | J-GAAP |
Apr - Dec, 2023 | 8,360 | ー | 996 | 900 | 152.7 | 146.0 | Feb 13, 2024 | J-GAAP |
Apr - Dec, 2024 | 8,115 | ー | 1,478 | 1,317 | 223.5 | 166.1 | Feb 7, 2025 | J-GAAP |
YoY | -2.9% | - | +48.4% | +46.3% | +46.4% |
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 | 5,078 | ー | 215 | 556 | 53.2 | 10 | May 14, 2024 | J-GAAP |
Oct - Mar, 2024 Guidance | ー | ー | -114 | -228 | -22.7 | 10 | Nov 12, 2024 | J-GAAP |
YoY | - | - | - | - | - |
Current Period Guidance
Fiscal Year | Revenue | Operating Profit | Ordinary Profit | Net Profit | Adj. EPS | Adj. Dividend | Announce | Accounting Standards |
---|---|---|---|---|---|---|---|---|
Mar, 2023 | 9,886 | ー | 1,456 | 1,302 | 159.6 | 10 | May 11, 2023 | J-GAAP |
Mar, 2024 | 10,465 | ー | 682 | 877 | 83.9 | 10 | May 14, 2024 | J-GAAP |
Mar, 2025 Guidance | ー | ー | 890 | 660 | 65.7 | 10 | May 14, 2024 | J-GAAP |
YoY | - | - | +30.5% | -24.7% | -21.7% |
Quarterly Results
Fiscal Year | Revenue | Operating Profit | Ordinary Profit | Net Profit | Adj. EPS | Operating Profit Margin | Announce | Accounting Standards |
---|---|---|---|---|---|---|---|---|
Oct - Dec, 2023 | 2,973 | ー | 529 | 579 | 98.2 | 0.0 | Feb 13, 2024 | J-GAAP |
Jan - Mar, 2024 | 2,105 | ー | -314 | -23 | -2.2 | 0.0 | May 14, 2024 | J-GAAP |
Apr - Jun, 2024 | 2,706 | ー | 489 | 481 | 81.7 | 0.0 | Aug 9, 2024 | J-GAAP |
Jul - Sep, 2024 | 2,727 | ー | 515 | 407 | 69.1 | 0.0 | Nov 12, 2024 | J-GAAP |
Oct - Dec, 2024 | 2,682 | ー | 474 | 429 | 72.8 | 0.0 | Feb 7, 2025 | J-GAAP |
YoY | -9.8% | - | -10.4% | -25.9% | -25.9% |
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