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Chugin Financial, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 56%, Oct-Dec Ordinary Profit Increases by 2.5 times

Wed Feb 4, 2026 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 February 4th (14:00). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) expanded 45.4 billion yen, an increase 55.8% compared to the same period last year. Progress toward the full-year plan of 50.0 billion yen was 91.0%, also surpassing the five-year average of 87.1%.

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 significant drop 50.5% from the same period last year to 4.50 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit surged 2.5 times that of the same period last year, reaching 20.2 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 136,104 ー 26,319 18,373 100.4 84.4 Feb 2, 2024 J-GAAP
Apr - Dec, 2024 160,081 ー 29,210 20,383 113.2 76.3 Feb 4, 2025 J-GAAP
Apr - Dec, 2025 182,386 ー 45,496 31,577 177.2 91.0 Feb 4, 2026 J-GAAP
YoY +13.9% － +55.8% +54.9% +56.5%

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 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
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
Oct - Dec, 2025 67,871 ー 20,295 14,209 79.7 0.0 Feb 4, 2026 J-GAAP
YoY +18.7% － +146.7% +146.5% +149.1%

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