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CAREER BANK, First Half Ordinary Profit Turns to Profit, Sep-Nov Ordinary Profit Loss Narrows

Tue Jan 13, 2026 1:00 pm JST Earnings

4834 CAREER BANK CO.,LTD 【J-GAAP】

Earnings Report

CAREER BANK CO.,LTD <4834> [SSE] announced its financial results in the afternoon session on January 13th (13:00). The consolidated ordinary profit/loss for the cumulative second quarter of the fiscal year ending May 2026 (June to November) turned into a profit of 9 million yen (compared to a loss of 27 million yen in the same period last year). Progress toward the full-year plan of 149 million yen was 6.0%.

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 December to May period (second half) is expected to decrease 7.3% from the same period last year to 140 million yen.

In the most recent three-month period, from September to November (2Q), the consolidated ordinary loss improved to a deficit of 3 million yen (compared to a loss of 11 million yen in the same period last year). However, the operating profit margin remained almost flat, changing from 2.2% in the same period last year to 2.0%.

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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
Jun - Nov, 2023 3,154 -115 -99 -27 -27.6 ー Jan 9, 2024 J-GAAP
Jun - Nov, 2024 2,530 32 -27 -44 -45.2 ー Jan 14, 2025 J-GAAP
Jun - Nov, 2025 2,589 54 9 -262 -264.1 6.0 Jan 13, 2026 J-GAAP
YoY +2.3% +68.8% － -495.5% -485.0%

First Half Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Jun - Nov, 2025 Guidance ー ー ー ー － 0 Jul 15, 2025 J-GAAP
Jun - Nov, 2025 Results 2,589 54 9 -262 -264.1 0 Jan 13, 2026 J-GAAP
Revision Rate － － － － －

Current Period Guidance

Second Half Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Dec - May, 2024 2,596 77 151 133 134.9 14 Jul 15, 2025 J-GAAP
Dec - May, 2025 Guidance 2,934 76 140 354 356.5 14 Jan 13, 2026 J-GAAP
YoY +13.0% -1.3% -7.3% +166.2% +164.4%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
May, 2024 7,127 263 274 125 126.0 14 Jul 16, 2024 J-GAAP
May, 2025 5,126 109 124 89 90.2 14 Jul 15, 2025 J-GAAP
May, 2026 Guidance 5,523 130 149 92 92.7 14 Jul 15, 2025 J-GAAP
YoY +7.7% +19.3% +20.2% +3.4% +2.7%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Sep - Nov, 2024 1,316 29 -11 -21 -21.6 2.2 Jan 14, 2025 J-GAAP
Dec - Feb, 2024 1,291 54 127 109 110.4 4.2 Apr 8, 2025 J-GAAP
Mar - May, 2025 1,305 23 24 24 24.3 1.8 Jul 15, 2025 J-GAAP
Jun - Aug, 2025 1,289 28 12 -4 -4.3 2.2 Oct 7, 2025 J-GAAP
Sep - Nov, 2025 1,300 26 -3 -258 -260.1 2.0 Jan 13, 2026 J-GAAP
YoY -1.2% -10.3% +72.7% -1,128.6% -1,107.0%

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