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JAPAN SYSTEMBANK, First Half Ordinary Profit Unexpectedly Revised Upward by 6%

Fri Feb 13, 2026 3:30 pm JST Earnings

5530 JAPAN SYSTEMBANK CORPORATION 【J-GAAP】

Earnings Report

JAPAN SYSTEMBANK CORPORATION <5530> [NSE Main] announced its financial results after the market closed on February 13th (15:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending June 2026 (July to December) increased 6.2% from the same period last year, reaching 307 million yen, resulting in an increase in profits compared to the previous forecast of a 17.0% decrease.

Progress toward the full-year plan of 375 million yen was 81.9%, also surpassing the four-year average of 60.7%.

Based on the first-half performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the January to June period (second half) is expected to drop 46.5% from the same period last year to 68 million yen.

In the most recent three-month period, from October to December (2Q), the consolidated ordinary profit amounted to 150 million yen, a 0.7% decrease compared to the same period last year. However, the operating profit margin improved from 7.6% in the same period last year to 7.9%.

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Actual Results

Accumulated Results 2nd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Jul - Dec, 2023 3,674 290 285 180 79.1 53.0 Feb 14, 2024 J-GAAP
Jul - Dec, 2024 3,902 292 289 184 80.7 69.5 Feb 14, 2025 J-GAAP
Jul - Dec, 2025 4,017 319 307 244 106.6 81.9 Feb 13, 2026 J-GAAP
YoY +2.9% +9.2% +6.2% +32.6% +32.2%

First Half Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Jul - Dec, 2025 Guidance 3,999 249 240 143 62.4 12 Aug 13, 2025 J-GAAP
Jul - Dec, 2025 Results 4,017 319 307 244 106.6 12 Feb 13, 2026 J-GAAP
Revision Rate +0.5% +28.1% +27.9% +70.6% +70.8%

Current Period Guidance

Second Half Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Jan - Jun, 2025 3,974 134 127 63 27.5 20 Aug 13, 2025 J-GAAP
Jan - Jun, 2026 Guidance 3,887 77 68 -17 -7.4 20 Feb 13, 2026 J-GAAP
YoY -2.2% -42.5% -46.5% － －

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Jun, 2024 7,616 549 538 292 128.1 32 Aug 9, 2024 J-GAAP
Jun, 2025 7,876 426 416 247 107.9 32 Aug 13, 2025 J-GAAP
Jun, 2026 Guidance 7,904 396 375 227 99.1 32 Aug 13, 2025 J-GAAP
YoY +0.4% -7.0% -9.9% -8.1% -8.2%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 1,959 148 151 94 41.2 7.6 Feb 14, 2025 J-GAAP
Jan - Mar, 2025 1,939 31 22 4 1.8 1.6 May 15, 2025 J-GAAP
Apr - Jun, 2025 2,035 103 105 59 25.8 5.1 Aug 13, 2025 J-GAAP
Jul - Sep, 2025 2,023 162 157 105 45.9 8.0 Nov 14, 2025 J-GAAP
Oct - Dec, 2025 1,994 157 150 139 60.8 7.9 Feb 13, 2026 J-GAAP
YoY +1.8% +6.1% -0.7% +47.9% +47.4%

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