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Concordia Financial, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 32%, Oct-Dec Ordinary Profit Increases by 50%

Thu Feb 5, 2026 3:30 pm JST Earnings

7186 Yokohama Financial Group, Inc. 【J-GAAP】

Earnings Report

Yokohama Financial Group, Inc. <7186> [TSE Prime] announced its financial results after the market closed on February 5th (15:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) expanded 123 billion yen, an increase 32.0% compared to the same period last year. Progress toward the full-year plan of 151 billion yen was 81.6%, it was below the five-year average of 90.1%.

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 decrease 5.6% from the same period last year to 27.7 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit increased 50.0% from the same period last year, reaching 43.6 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 261,689 ー 55,797 53,918 46.0 72.5 Feb 5, 2024 J-GAAP
Apr - Dec, 2024 288,902 ー 93,320 62,758 54.1 76.0 Feb 5, 2025 J-GAAP
Apr - Dec, 2025 356,759 ー 123,201 85,008 74.7 81.6 Feb 5, 2026 J-GAAP
YoY +23.5% － +32.0% +35.5% +38.2%

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 208,834 ー 58,568 38,499 33.3 16 May 12, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 71,477 47,973 42.8 20 Nov 13, 2025 J-GAAP
YoY － － +22.0% +24.6% +28.4%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 358,303 ー 77,004 66,931 57.2 23 May 13, 2024 J-GAAP
Mar, 2025 399,103 ー 122,764 82,805 71.6 29 May 12, 2025 J-GAAP
Mar, 2026 Guidance ー ー 151,000 103,000 91.8 37 Nov 13, 2025 J-GAAP
YoY － － +23.0% +24.4% +28.2%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 98,633 ー 29,124 18,452 15.9 0.0 Feb 5, 2025 J-GAAP
Jan - Mar, 2025 110,201 ー 29,444 20,047 17.3 0.0 May 12, 2025 J-GAAP
Apr - Jun, 2025 112,939 ー 38,331 27,036 23.7 0.0 Aug 5, 2025 J-GAAP
Jul - Sep, 2025 125,279 ー 41,192 27,991 24.5 0.0 Nov 13, 2025 J-GAAP
Oct - Dec, 2025 118,541 ー 43,678 29,981 26.4 0.0 Feb 5, 2026 J-GAAP
YoY +20.2% － +50.0% +62.5% +65.8%

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