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Concordia Financial, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 4%, Raises Record High Profit Forecast, Dividend Revised Upward by 3 Yen

Thu Nov 13, 2025 3:30 pm JST Earnings

7186 Yokohama Financial Group, Inc. 【J-GAAP】

Earnings Report

Yokohama Financial Group, Inc. <7186> [TSE Prime] announced its financial results after the market closed on November 13th (15:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 23.9% from the same period last year, reaching 79.5 billion yen.

In addition, the full-year forecast for consolidated ordinary profit has been revised upward 4.1%, from the previous forecast of 145 billion yen to 151 billion yen (compared to 122 billion yen in the previous period), increasing the growth rate from 18.1% to 23.0%, further surpassing the previous forecast of record-high profits for two consecutive terms.

Based on the first-half performance announced by the company and the full-year plan, our calculation indicates that the consolidated ordinary profit for the October to March period (second half) is expected to grow 22.0% from the same period last year, reaching 71.4 billion yen.

In light of the strong performance, the company has increased its planned annual dividend for the current fiscal year from the original plan of 34 yen to 37 yen (compared to 29 yen in the previous period).

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit increased 30.7% from the same period last year, reaching 41.1 billion yen.

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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 177,745 ー 32,093 37,838 32.2 41.7 Nov 10, 2023 J-GAAP
Apr - Sep, 2024 190,269 ー 64,196 44,306 38.1 52.3 Nov 14, 2024 J-GAAP
Apr - Sep, 2025 238,218 ー 79,523 55,027 48.2 52.7 Nov 13, 2025 J-GAAP
YoY +25.2% － +23.9% +24.2% +26.8%

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 ー ー ー ー － 17 May 12, 2025 J-GAAP
Apr - Sep, 2025 Results 238,218 ー 79,523 55,027 48.2 17 Nov 13, 2025 J-GAAP
Revision Rate － － － － －

Guidance Update

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev ー ー 145,000 95,500 84.5 34 May 12, 2025 J-GAAP
Mar, 2026 New ー ー 151,000 103,000 91.2 37 Nov 13, 2025 J-GAAP
Revision Rate － － +4.1% +7.9% +7.9%

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 208,834 ー 58,568 38,499 33.3 16 May 12, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 71,477 47,973 42.5 20 Nov 13, 2025 J-GAAP
YoY － － +22.0% +24.6% +27.5%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 358,303 ー 77,004 66,931 57.2 23 May 13, 2024 J-GAAP
Mar, 2025 399,103 ー 122,764 82,805 71.6 29 May 12, 2025 J-GAAP
Mar, 2026 Guidance ー ー 151,000 103,000 91.2 37 Nov 13, 2025 J-GAAP
YoY － － +23.0% +24.4% +27.3%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 97,645 ー 31,520 21,641 18.6 0.0 Nov 14, 2024 J-GAAP
Oct - Dec, 2024 98,633 ー 29,124 18,452 15.9 0.0 Feb 5, 2025 J-GAAP
Jan - Mar, 2025 110,201 ー 29,444 20,047 17.3 0.0 May 12, 2025 J-GAAP
Apr - Jun, 2025 112,939 ー 38,331 27,036 23.7 0.0 Aug 5, 2025 J-GAAP
Jul - Sep, 2025 125,279 ー 41,192 27,991 24.5 0.0 Nov 13, 2025 J-GAAP
YoY +28.3% － +30.7% +29.3% +32.0%

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