THE HOWA BANK, Apr-Jun (1Q) Ordinary Profit Decreases by 76%

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Fri Aug 8, 2025 3:30 pm JST Earnings

8559 THE HOWA BANK,LTD. 【J-GAAP】

Earnings Report

THE HOWA BANK,LTD. <8559> [FSE] announced its financial results after the market closed on August 8th (15:30). The ordinary profit (non-consolidated) for the first quarter of the fiscal year ending March 2026 (April to June) significantly dropped 76.3% from the same period last year to 116 million yen. Progress toward the plan for the six months ending September (first half) of 500 million yen was 23.2%, also falling below the five-year average of 94.9%.

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Actual Results

Accumulated Results 1st Quarter

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Progress Rate vs. First Half	Announce	Accounting Standards
Apr - Jun, 2023	2,808	ー	658	620	105.2	140.9	Aug 9, 2023	J-GAAP
Apr - Jun, 2024	2,706	ー	489	481	81.7	48.7	Aug 9, 2024	J-GAAP
Apr - Jun, 2025	2,783	ー	116	65	11.2	23.2	Aug 8, 2025	J-GAAP
YoY	+2.8%	－	-76.3%	-86.5%	-86.3%

Current Period Guidance

H1 Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Apr - Sep, 2024	5,433	ー	1,004	888	150.7	0	Nov 12, 2024	J-GAAP
Apr - Sep, 2025 Guidance	ー	ー	500	390	66.2	0	May 14, 2025	J-GAAP
YoY	－	－	-50.2%	-56.1%	-56.1%

Current Period Guidance

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2024	10,465	ー	682	877	83.9	10	May 14, 2024	J-GAAP
Mar, 2025	10,380	ー	1,344	1,037	106.7	10	May 14, 2025	J-GAAP
Mar, 2026 Guidance	ー	ー	1,150	660	42.8	10	May 14, 2025	J-GAAP
YoY	－	－	-14.4%	-36.4%	-59.9%

Quarterly Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
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
Jan - Mar, 2025	2,265	ー	-134	-280	-28.8	0.0	May 14, 2025	J-GAAP
Apr - Jun, 2025	2,783	ー	116	65	11.2	0.0	Aug 8, 2025	J-GAAP
YoY	+2.8%	－	-76.3%	-86.5%	-86.3%