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Kyoto Financial, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 21%

Fri Jan 30, 2026 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 January 30th (15:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) increased 20.8% from the same period last year, reaching 54.7 billion yen. Progress toward the full-year plan of 63.5 billion yen was 86.3%, it was below the five-year average of 101.7%.

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 expand 57.0% from the same period last year, reaching 8.72 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit grew 10.3% from the same period last year, reaching 17.2 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 109,013 ー 42,940 31,578 106.2 98.5 Jan 31, 2024 J-GAAP
Apr - Dec, 2024 129,246 ー 45,356 32,425 111.0 89.1 Jan 31, 2025 J-GAAP
Apr - Dec, 2025 160,585 ー 54,773 39,178 137.0 86.3 Jan 30, 2026 J-GAAP
YoY +24.2% － +20.8% +20.8% +23.5%

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% +21.9%

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 45,000 158.4 80 Nov 14, 2025 J-GAAP
YoY +20.9% － +24.7% +23.1% +26.6%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
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
Oct - Dec, 2025 55,073 ー 17,281 12,317 43.1 0.0 Jan 30, 2026 J-GAAP
YoY +18.5% － +10.3% +10.2% +12.6%

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