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Kiyo Bank, First Half Ordinary Profit Increases by 41%

Mon Nov 10, 2025 2:30 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 November 10th (14:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) expanded 14.6 billion yen, an increase 40.7% compared to the same period last year. Progress toward the full-year plan of 29.2 billion yen was 50.2%, it was below the five-year average of 91.2%.

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 grow 12.8% from the same period last year, reaching 14.5 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit grew 10.4% from the same period last year, reaching 5.83 billion yen.

Kabutan News

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 40,328 ー 9,570 6,532 100.0 47.5 Nov 13, 2023 J-GAAP
Apr - Sep, 2024 45,804 ー 10,428 7,598 116.6 44.7 Nov 11, 2024 J-GAAP
Apr - Sep, 2025 52,926 ー 14,669 8,933 139.4 50.2 Nov 10, 2025 J-GAAP
YoY +15.5% － +40.7% +17.6% +19.6%

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 53,100 ー 13,300 7,800 121.7 58 May 12, 2025 J-GAAP
Apr - Sep, 2025 Results 52,926 ー 14,669 8,933 139.4 58 Nov 10, 2025 J-GAAP
Revision Rate -0.3% － +10.3% +14.5% +14.5%

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 52,916 ー 12,880 10,020 155.0 65 May 12, 2025 J-GAAP
Oct - Mar, 2025 Guidance 53,674 ー 14,531 9,567 148.5 58 Nov 10, 2025 J-GAAP
YoY +1.4% － +12.8% -4.5% -4.2%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 84,782 ー 20,136 15,020 229.7 50 May 13, 2024 J-GAAP
Mar, 2025 98,720 ー 23,308 17,618 272.5 110 May 12, 2025 J-GAAP
Mar, 2026 Guidance 106,600 ー 29,200 18,500 287.2 116 May 12, 2025 J-GAAP
YoY +8.0% － +25.3% +5.0% +5.4%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
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
Jan - Mar, 2025 30,460 ー 6,787 6,190 95.8 0.0 May 12, 2025 J-GAAP
Apr - Jun, 2025 27,189 ー 8,830 6,304 98.4 0.0 Aug 4, 2025 J-GAAP
Jul - Sep, 2025 25,737 ー 5,839 2,629 41.0 0.0 Nov 10, 2025 J-GAAP
YoY +16.5% － +10.4% -32.4% -31.2%

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