CAREER BANK, Jun-Feb (Cumulative 3Q) Ordinary Profit Decreases by 66%, Dec-Feb Ordinary Profit Decreases by 68%

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Tue Apr 8, 2025 1:00 pm JST Earnings

4834 CAREER BANK CO.,LTD 【J-GAAP】

Earnings Report

CAREER BANK CO.,LTD <4834> [SSE] announced its financial results in the afternoon session on April 8th (13:00). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending May 2025 (June 2024 to February 2025) significantly dropped 65.8% from the same period last year to 100 million yen. The progress rate toward the full-year plan of 173 million yen was 57.8%, also falling below the five-year average of 119.6%.

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/loss for the March to May period (4Q) is expected to turn into a profit of 73 million yen (compared to a loss of 18 million yen in the same period last year).

In the most recent three-month period, from December to February (3Q), the consolidated ordinary profit significantly dropped to 127 million yen, a 67.5% decrease compared to the same period last year. The operating profit margin sharply declined from 16.6% in the same period last year to 4.2%.

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
Jun - Feb, 2022	6,078	601	610	350	353.2	149.1	Apr 11, 2023	J-GAAP
Jun - Feb, 2023	5,497	274	292	114	115.5	106.6	Apr 9, 2024	J-GAAP
Jun - Feb, 2024	3,821	86	100	65	65.9	57.8	Apr 8, 2025	J-GAAP
YoY	-30.5%	-68.6%	-65.8%	-43.0%	-43.0%

Current Period Guidance

Second Half Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Dec - May, 2023	3,973	378	373	152	153.2	14	Jul 16, 2024	J-GAAP
Dec - May, 2024 Guidance	2,713	93	200	164	165.2	14	Jan 14, 2025	J-GAAP
YoY	-31.7%	-75.4%	-46.4%	+7.9%	+7.8%

Current Period Guidance

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
May, 2023	7,964	394	409	207	208.8	14	Jul 18, 2023	J-GAAP
May, 2024	7,127	263	274	125	126.0	14	Jul 16, 2024	J-GAAP
May, 2025 Guidance	5,243	125	173	120	120.9	14	Jul 16, 2024	J-GAAP
YoY	-26.4%	-52.5%	-36.9%	-4.0%	-4.1%

Quarterly Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Dec - Feb, 2023	2,343	389	391	141	142.9	16.6	Apr 9, 2024	J-GAAP
Mar - May, 2024	1,630	-11	-18	11	11.1	-0.7	Jul 16, 2024	J-GAAP
Jun - Aug, 2024	1,214	3	-16	-23	-23.7	0.2	Oct 8, 2024	J-GAAP
Sep - Nov, 2024	1,316	29	-11	-21	-21.6	2.2	Jan 14, 2025	J-GAAP
Dec - Feb, 2024	1,291	54	127	109	110.4	4.2	Apr 8, 2025	J-GAAP
YoY	-44.9%	-86.1%	-67.5%	-22.7%	-22.7%