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San-in Godo Bank, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 23%, Oct-Dec Ordinary Profit Increases by 21%

Fri Jan 30, 2026 1:00 pm JST Earnings

8381 The San-in Godo Bank,Ltd. 【J-GAAP】

Earnings Report

The San-in Godo Bank,Ltd. <8381> [TSE Prime] announced its financial results in the afternoon session on January 30th (13:00). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) increased 23.4% from the same period last year, reaching 23.9 billion yen. Progress toward the full-year plan of 29.8 billion yen was 80.3%, also surpassing the five-year average of 76.7%.

Based on the cumulative third-quarter performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the January to March period (4Q) is expected to decrease 19.7% from the same period last year to 5.87 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit grew 21.3% from the same period last year, reaching 8.88 billion yen.

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Actual Results

Accumulated Results 3rd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Apr - Dec, 2023 88,593 15,559 10,420 67.3 62.9 Jan 31, 2024 J-GAAP
Apr - Dec, 2024 96,307 19,392 13,147 86.2 72.6 Jan 31, 2025 J-GAAP
Apr - Dec, 2025 115,444 23,922 16,776 110.7 80.3 Jan 30, 2026 J-GAAP
YoY +19.9% +23.4% +27.6% +28.5%

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 71,817 14,646 10,381 68.1 24 May 13, 2025 J-GAAP
Oct - Mar, 2025 Guidance 84,225 14,761 10,293 68.2 28 Nov 13, 2025 J-GAAP
YoY +17.3% +0.8% -0.8% +0.1%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 120,176 24,727 16,800 109.3 39 May 13, 2024 J-GAAP
Mar, 2025 135,314 26,716 18,737 122.9 48 May 13, 2025 J-GAAP
Mar, 2026 Guidance 160,300 29,800 21,000 139.1 56 Nov 13, 2025 J-GAAP
YoY +18.5% +11.5% +12.1% +13.2%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 32,810 7,322 4,791 31.4 0.0 Jan 31, 2025 J-GAAP
Jan - Mar, 2025 39,007 7,324 5,590 36.7 0.0 May 13, 2025 J-GAAP
Apr - Jun, 2025 36,269 4,185 3,222 21.2 0.0 Jul 31, 2025 J-GAAP
Jul - Sep, 2025 39,806 10,854 7,485 49.4 0.0 Nov 13, 2025 J-GAAP
Oct - Dec, 2025 39,369 8,883 6,069 40.1 0.0 Jan 30, 2026 J-GAAP
YoY +20.0% +21.3% +26.7% +27.5%

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