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Kyoto Financial, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 9%, Raises Record High Profit Forecast, Dividend Revised Upward by 10 Yen

Fri Nov 14, 2025 3:30 pm JST Earnings

5844 Kyoto Financial Group,Inc. 【J-GAAP】

Earnings Report

Kyoto Financial Group,Inc. <5844> [TSE Prime] announced its financial results after the market closed on November 14th (15:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 26.3% from the same period last year, reaching 37.4 billion yen, exceeded the previous forecast of 31.4 billion yen.

In addition, the full-year forecast for consolidated ordinary profit has been revised upward 9.3%, from the previous forecast of 58.1 billion yen to 63.5 billion yen (compared to 50.9 billion yen in the previous period), increasing the growth rate from 14.1% to 24.7%, 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 22.5% from the same period last year, reaching 26.0 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 70 yen to 80 yen (compared to 60 yen in the previous period).

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit surged 3.0 times that of the same period last year, reaching 19.8 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 69,982 ー 26,834 19,217 64.6 61.6 Nov 13, 2023 J-GAAP
Apr - Sep, 2024 82,762 ー 29,692 21,247 72.7 58.3 Nov 14, 2024 J-GAAP
Apr - Sep, 2025 105,512 ー 37,492 26,861 93.7 59.0 Nov 14, 2025 J-GAAP
YoY +27.5% － +26.3% +26.4% +28.9%

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 101,500 ー 31,400 21,800 76.5 35 May 15, 2025 J-GAAP
Apr - Sep, 2025 Results 105,512 ー 37,492 26,861 93.7 40 Nov 14, 2025 J-GAAP
Revision Rate +4.0% － +19.4% +23.2% +22.5%

Guidance Update

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev 199,700 ー 58,100 40,000 140.9 70 May 15, 2025 J-GAAP
Mar, 2026 New 202,200 ー 63,500 45,000 158.5 80 Nov 14, 2025 J-GAAP
Revision Rate +1.3% － +9.3% +12.5% +12.5%

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 84,496 ー 21,223 15,305 52.4 30 May 15, 2025 J-GAAP
Oct - Mar, 2025 Guidance 96,688 ー 26,008 18,139 63.9 40 Nov 14, 2025 J-GAAP
YoY +14.4% － +22.5% +18.5% +22.0%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 137,691 ー 43,574 31,572 106.6 55 May 14, 2024 J-GAAP
Mar, 2025 167,258 ー 50,915 36,552 125.1 60 May 15, 2025 J-GAAP
Mar, 2026 Guidance 202,200 ー 63,500 45,000 158.5 80 Nov 14, 2025 J-GAAP
YoY +20.9% － +24.7% +23.1% +26.7%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 35,059 ー 6,555 4,308 14.7 0.0 Nov 14, 2024 J-GAAP
Oct - Dec, 2024 46,484 ー 15,664 11,178 38.3 0.0 Jan 31, 2025 J-GAAP
Jan - Mar, 2025 38,012 ー 5,559 4,127 14.1 0.0 May 15, 2025 J-GAAP
Apr - Jun, 2025 52,779 ー 17,646 12,996 45.1 0.0 Jul 31, 2025 J-GAAP
Jul - Sep, 2025 52,733 ー 19,846 13,865 48.4 0.0 Nov 14, 2025 J-GAAP
YoY +50.4% － +202.8% +221.8% +228.2%

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