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Chugin Financial, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 5%, Highest in Twelve Terms, Dividend Revised Upward by 5 Yen

Fri Nov 14, 2025 2:00 pm JST Earnings

5832 Chugin Financial Group,Inc. 【J-GAAP】

Earnings Report

Chugin Financial Group,Inc. <5832> [TSE Prime] announced its financial results in the afternoon session on November 14th (14:00). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 20.1% from the same period last year, reaching 25.2 billion yen.

In addition, the full-year forecast for consolidated ordinary profit has been revised upward 5.0%, from the previous forecast of 47.6 billion yen to 50.0 billion yen (compared to 38.3 billion yen in the previous period), increasing the growth rate from 24.3% to 30.5%, reaches new record high for the first time in twelve 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 expand 43.1% from the same period last year, reaching 24.7 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 74 yen to 79 yen (compared to 62 yen in the previous period).

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit increased 40.8% from the same period last year, reaching 10.2 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 88,355 ー 15,036 10,436 56.9 48.2 Nov 10, 2023 J-GAAP
Apr - Sep, 2024 102,919 ー 20,984 14,619 81.0 54.8 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 114,515 ー 25,201 17,368 97.3 50.4 Nov 14, 2025 J-GAAP
YoY +11.3% － +20.1% +18.8% +20.2%

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 112,600 ー 23,400 15,800 88.9 37 May 14, 2025 J-GAAP
Apr - Sep, 2025 Results 114,515 ー 25,201 17,368 97.3 37 Nov 14, 2025 J-GAAP
Revision Rate +1.7% － +7.7% +9.9% +9.5%

Guidance Update

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev 231,000 ー 47,600 33,000 185.6 74 May 14, 2025 J-GAAP
Mar, 2026 New 242,000 ー 50,000 35,000 196.9 79 Nov 14, 2025 J-GAAP
Revision Rate +4.8% － +5.0% +6.1% +6.1%

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 108,815 ー 17,324 12,815 71.3 35.50 May 14, 2025 J-GAAP
Oct - Mar, 2025 Guidance 127,485 ー 24,799 17,632 99.2 42 Nov 14, 2025 J-GAAP
YoY +17.2% － +43.1% +37.6% +39.1%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 184,661 ー 31,191 21,389 117.1 47 May 10, 2024 J-GAAP
Mar, 2025 211,734 ー 38,308 27,434 152.6 62 May 14, 2025 J-GAAP
Mar, 2026 Guidance 242,000 ー 50,000 35,000 196.9 79 Nov 14, 2025 J-GAAP
YoY +14.3% － +30.5% +27.6% +29.0%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 50,484 ー 7,256 5,221 28.9 0.0 Nov 8, 2024 J-GAAP
Oct - Dec, 2024 57,162 ー 8,226 5,764 32.0 0.0 Feb 4, 2025 J-GAAP
Jan - Mar, 2025 51,653 ー 9,098 7,051 39.2 0.0 May 14, 2025 J-GAAP
Apr - Jun, 2025 56,606 ー 14,984 9,887 55.3 0.0 Jul 30, 2025 J-GAAP
Jul - Sep, 2025 57,909 ー 10,217 7,481 41.9 0.0 Nov 14, 2025 J-GAAP
YoY +14.7% － +40.8% +43.3% +45.0%

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