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JAPAN POST BANK, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 6%, Exceeded Record Profit Forecast, Dividend Revised Upward by 4 Yen

Fri Feb 13, 2026 3:30 pm JST Earnings

7182 JAPAN POST BANK Co.,Ltd. 【J-GAAP】

Earnings Report

JAPAN POST BANK Co.,Ltd. <7182> [TSE Prime] announced its financial results after the market closed on February 13th (15:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) increased 25.0% from the same period last year, reaching 551 billion yen.

In addition, the full-year forecast for consolidated ordinary profit has been revised upward 5.9%, from the previous forecast of 680 billion yen to 720 billion yen (compared to 584 billion yen in the previous period), increasing the growth rate from 16.3% to 23.2%. The company has further increased its previous forecast of record profits for the first time in thirteen years.

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) is expected to increase 12.3%, from the previous forecast of 325 billion yen to 365 billion yen (compared to 263 billion yen in the same period of the previous year), increasing the growth rate from 23.9% to 39.1%.

In light of the strong performance, the company has increased its planned year-end lump-sum dividend for the current fiscal year from the original plan of 66 yen to 70 yen (compared to 58 yen in the previous period).

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit increased 64.8% from the same period last year, reaching 197 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 1,934,183 ー 367,033 263,330 72.8 74.0 Feb 14, 2024 J-GAAP
Apr - Dec, 2024 1,910,267 ー 441,217 308,348 85.3 75.5 Feb 14, 2025 J-GAAP
Apr - Dec, 2025 2,105,315 ー 551,534 377,673 105.6 76.6 Feb 13, 2026 J-GAAP
YoY +10.2% － +25.0% +22.5% +23.9%

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 ー ー 325,912 229,604 64.4 66 Nov 14, 2025 J-GAAP
Oct - Mar, 2025 New ー ー 365,912 259,604 72.8 70 Feb 13, 2026 J-GAAP
Revision Rate － － +12.3% +13.1% +13.1%

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev ー ー 680,000 470,000 131.9 66 May 15, 2025 J-GAAP
Mar, 2026 New ー ー 720,000 500,000 140.3 70 Feb 13, 2026 J-GAAP
Revision Rate － － +5.9% +6.4% +6.4%

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 1,266,909 ー 263,110 191,492 53.0 58 May 15, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 365,912 259,604 72.8 70 Feb 13, 2026 J-GAAP
YoY － － +39.1% +35.6% +37.5%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 2,651,706 ー 496,059 356,133 98.4 51 May 15, 2024 J-GAAP
Mar, 2025 2,522,052 ー 584,533 414,324 114.6 58 May 15, 2025 J-GAAP
Mar, 2026 Guidance ー ー 720,000 500,000 140.3 70 Feb 13, 2026 J-GAAP
YoY － － +23.2% +20.7% +22.4%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 655,124 ー 119,794 85,516 23.7 0.0 Feb 14, 2025 J-GAAP
Jan - Mar, 2025 611,785 ー 143,316 105,976 29.3 0.0 May 15, 2025 J-GAAP
Apr - Jun, 2025 667,236 ー 153,880 104,862 29.3 0.0 Aug 8, 2025 J-GAAP
Jul - Sep, 2025 730,951 ー 200,208 135,534 37.9 0.0 Nov 14, 2025 J-GAAP
Oct - Dec, 2025 707,128 ー 197,446 137,277 38.4 0.0 Feb 13, 2026 J-GAAP
YoY +7.9% － +64.8% +60.5% +62.3%

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