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Seven Bank, First Half Ordinary Profit Decreases by 12%

Fri Nov 7, 2025 3:30 pm JST Earnings

8410 Seven Bank, Ltd. 【J-GAAP】

Earnings Report

Seven Bank, Ltd. <8410> [TSE Prime] announced its financial results after the market closed on November 7th (15:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) decreased 11.6% from the same period last year to 14.8 billion yen. However, Progress toward the full-year plan of 24.5 billion yen was 60.5%, also surpassing the five-year average of 53.1%.

Based on the first-half performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the October to March period (second half) is expected to decrease 28.5% from the same period last year to 9.68 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit decreased to 8.20 billion yen, a 14.3% decrease compared to the same period last year.

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Actual Results

Accumulated Results 2nd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Apr - Sep, 2023 92,222 ー 16,405 32,610 27.8 53.7 Nov 10, 2023 J-GAAP
Apr - Sep, 2024 106,283 ー 16,751 10,940 9.4 55.3 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 107,552 ー 14,814 9,966 9.4 60.5 Nov 7, 2025 J-GAAP
YoY +1.2% － -11.6% -8.9% 0.0%

First Half Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Apr - Sep, 2025 Guidance 106,000 ー 12,500 8,000 8.2 5.50 May 9, 2025 J-GAAP
Apr - Sep, 2025 Results 107,552 ー 14,814 9,966 9.4 5.50 Nov 7, 2025 J-GAAP
Revision Rate +1.5% － +18.5% +24.6% +14.0%

Current Period Guidance

Second Half Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Oct - Mar, 2024 108,125 ー 13,538 7,281 6.2 5.50 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance 108,448 ー 9,686 6,034 5.2 5.50 Nov 7, 2025 J-GAAP
YoY +0.3% － -28.5% -17.1% -16.9%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 197,877 ー 30,526 31,970 27.3 11 May 10, 2024 J-GAAP
Mar, 2025 214,408 ー 30,289 18,221 15.6 11 May 9, 2025 J-GAAP
Mar, 2026 Guidance 216,000 ー 24,500 16,000 13.7 11 May 9, 2025 J-GAAP
YoY +0.7% － -19.1% -12.2% -12.0%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 54,856 ー 9,573 6,296 5.4 0.0 Nov 8, 2024 J-GAAP
Oct - Dec, 2024 53,207 ー 6,355 4,036 3.5 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 54,918 ー 7,183 3,245 2.8 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 53,323 ー 6,607 4,188 3.7 0.0 Aug 8, 2025 J-GAAP
Jul - Sep, 2025 54,229 ー 8,207 5,778 5.4 0.0 Nov 7, 2025 J-GAAP
YoY -1.1% － -14.3% -8.2% +0.7%

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