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Seven Bank, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 10%

Fri Feb 6, 2026 3:30 pm JST Earnings

8410 Seven Bank, Ltd. 【J-GAAP】

Earnings Report

Seven Bank, Ltd. <8410> [TSE Prime] announced its financial results after the market closed on February 6th (15:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) decreased 5.3% from the same period last year to 21.8 billion yen.

However, the full-year forecast for consolidated ordinary profit has been revised upward 10.2%, from the previous forecast of 24.5 billion yen to 27.0 billion yen (compared to 30.2 billion yen in the previous period), and the declining rate is expected to decrease from 19.1% to 10.9%. However, the full-year forecast for consolidated net income has decreased 31.3%, from the previous forecast of 16.0 billion yen to 11.0 billion yen (compared to 18.2 billion yen in the previous period), leading to an increase in the profit decline rate from 12.2% to 39.6%.

Based on the full-year plan announced by the company after the upward revision, our estimate of the consolidated ordinary profit for the October to March period (second half) has been revised upward 25.8%, from the previous forecast of 9.68 billion yen to 12.1 billion yen (compared to 13.5 billion yen in the same period of the previous year), and the declining rate is expected to decrease from 28.5% to 10.0%.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit grew 11.3% from the same period last year, reaching 7.07 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 144,807 ー 22,950 36,584 31.2 75.2 Feb 9, 2024 J-GAAP
Apr - Dec, 2024 159,490 ー 23,106 14,976 12.8 76.3 Feb 7, 2025 J-GAAP
Apr - Dec, 2025 162,878 ー 21,884 8,775 8.0 81.1 Feb 6, 2026 J-GAAP
YoY +2.1% － -5.3% -41.4% -37.2%

Guidance Update

Second Half Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Oct - Mar, 2025 Prev 108,448 ー 9,686 6,034 5.2 5.50 Nov 7, 2025 J-GAAP
Oct - Mar, 2025 New 108,448 ー 12,186 1,034 0.9 5.50 Feb 6, 2026 J-GAAP
Revision Rate 0.0% － +25.8% -82.9% -82.8%

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev 216,000 ー 24,500 16,000 13.7 11 May 9, 2025 J-GAAP
Mar, 2026 New 216,000 ー 27,000 11,000 9.4 11 Feb 6, 2026 J-GAAP
Revision Rate 0.0% － +10.2% -31.3% -31.2%

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 108,125 ー 13,538 7,281 6.2 5.50 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance 108,448 ー 12,186 1,034 0.9 5.50 Feb 6, 2026 J-GAAP
YoY +0.3% － -10.0% -85.8% -85.7%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 197,877 ー 30,526 31,970 27.3 11 May 10, 2024 J-GAAP
Mar, 2025 214,408 ー 30,289 18,221 15.6 11 May 9, 2025 J-GAAP
Mar, 2026 Guidance 216,000 ー 27,000 11,000 9.4 11 Feb 6, 2026 J-GAAP
YoY +0.7% － -10.9% -39.6% -39.5%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 53,207 ー 6,355 4,036 3.5 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 54,918 ー 7,183 3,245 2.8 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 53,323 ー 6,607 4,188 3.7 0.0 Aug 8, 2025 J-GAAP
Jul - Sep, 2025 54,229 ー 8,207 5,778 5.4 0.0 Nov 7, 2025 J-GAAP
Oct - Dec, 2025 55,326 ー 7,070 -1,191 -1.1 0.0 Feb 6, 2026 J-GAAP
YoY +4.0% － +11.3% － －

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