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THE HOWA BANK, Apr-Dec (Cumulative 3Q) Ordinary Profit Decreases by 64%, Oct-Dec Ordinary Profit Turns to Loss

Fri Feb 6, 2026 3:30 pm JST Earnings

8559 THE HOWA BANK,LTD. 【J-GAAP】

Earnings Report

THE HOWA BANK,LTD. <8559> [FSE] announced its financial results after the market closed on February 6th (15:30). The ordinary profit (non-consolidated) for the cumulative third quarter of the fiscal year ending March 2026 (April to December) significantly dropped 64.0% from the same period last year to 0.53 billion yen. Progress toward the full-year plan of 1.15 billion yen was 46.3%, also falling below the five-year average of 137.8%.

Based on the cumulative third-quarter performance announced by the company and the unchanged full-year plan, our calculation indicates that the ordinary profit/loss for the January to March period (4Q) is expected to turn into a profit of 0.61 billion yen (compared to a loss of 0.13 billion yen in the same period last year).

In the most recent three-month period, from October to December (3Q), the ordinary profit/loss turned to a loss of 0.10 billion yen (compared to a profit of 0.47 billion yen in the same period last year).

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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 8,360 ー 996 900 152.7 146.0 Feb 13, 2024 J-GAAP
Apr - Dec, 2024 8,115 ー 1,478 1,317 223.5 110.0 Feb 7, 2025 J-GAAP
Apr - Dec, 2025 8,970 ー 532 231 32.1 46.3 Feb 6, 2026 J-GAAP
YoY +10.5% － -64.0% -82.5% -85.6%

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 4,947 ー 340 149 15.3 10 May 14, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 511 252 16.3 10 Nov 10, 2025 J-GAAP
YoY － － +50.3% +69.1% +6.5%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 10,465 ー 682 877 83.9 10 May 14, 2024 J-GAAP
Mar, 2025 10,380 ー 1,344 1,037 106.7 10 May 14, 2025 J-GAAP
Mar, 2026 Guidance ー ー 1,150 660 42.8 10 May 14, 2025 J-GAAP
YoY － － -14.4% -36.4% -59.9%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 2,682 ー 474 429 72.8 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 2,265 ー -134 -280 -28.8 0.0 May 14, 2025 J-GAAP
Apr - Jun, 2025 2,783 ー 116 65 11.2 0.0 Aug 8, 2025 J-GAAP
Jul - Sep, 2025 3,009 ー 523 343 52.4 0.0 Nov 10, 2025 J-GAAP
Oct - Dec, 2025 3,178 ー -107 -177 -24.6 0.0 Feb 6, 2026 J-GAAP
YoY +18.5% － － － －

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