5838 Rakuten Bank, Ltd. - Financial Results

About Information Provided on This Site

The information provided on our website 'Kabutan.com' is not intended to constitute investment solicitation or investment advisory services.
All investment decisions should be made at your own discretion and judgment.
The data on our website is provided by Tokyo Stock Exchange, Osaka Exchange, Nagoya Securities Exchange, JPX Market Innovation & Research, Japannext, and other sources.
Copyright of the Nikkei Stock Average belongs to Nikkei Inc. Stock price charts displayed on Kabutan.com are provided solely for the purpose of reviewing historical price movements of the securities.
These charts neither suggest nor guarantee future price movements of the securities and do not constitute recommendations to buy or sell.
In our financial results coverage, the term 'Surprise Results' identifies securities that demonstrate a significant degree of surprise in their earnings announcements.
This significance is quantitatively assessed based on multiple factors, including: the nature of the announcement (full-year or quarterly results); types of revisions (earnings or dividend forecasts); and numerical analysis comparing the announced results with both the company's previous forecasts and historical performance.
The 'Surprise Ranking' presents these results in order of their calculated surprise factor. Please note that neither these results nor rankings are intended to suggest or guarantee future performance of the listed securities, nor should they be construed as recommendations to buy or sell.

5838

TSE Prime

Rakuten Bank, Ltd.

6,133

JPY

+83

(+1.37%)

Mar 13, 3:30 pm JST

38.47

USD

Mar 13, 2:30 am EDT

Result

PTS

outside of trading hours

6,100

Mar 13, 11:56 pm JST

Summary Chart Historical News Financial Result

Current Period Guidance

Annual

Result

Guidance History

Growth Rate

Profitability

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2022 ＊	106,026	ー	27,909	20,039	121.8	0	ー	J-GAAP
Mar, 2023 ＊	120,445	ー	38,746	27,692	168.4	0	May 10, 2023	J-GAAP
Mar, 2024	137,950	ー	48,367	34,436	198.4	0	May 13, 2024	J-GAAP
Mar, 2025	184,534	ー	71,524	50,779	291.0	0	May 12, 2025	J-GAAP
Mar, 2026 Guidance	254,376	ー	101,262	71,266	408.4	0	Feb 9, 2026	J-GAAP
YoY	+37.8%	－	+41.6%	+40.3%	+40.3%

Revision Direction	Revision Date	Revenue	Operating Profit	Ordinary Profit	Net Profit	Revised Dividend	Accounting Standards
Mar, 2023	Apr 21, 2023	120,255	ー	37,738	26,714	0*	J-GAAP
- Results	May 10, 2023	120,445	ー	38,746	27,692	0*	J-GAAP
Mar, 2024	May 10, 2023	Available in future release
	Feb 13, 2024
Results	May 13, 2024
Mar, 2025	May 13, 2024
	Nov 11, 2024
	Feb 12, 2025
Results	May 12, 2025
Mar, 2026	May 12, 2025	246,884	ー	91,221	64,348	0	J-GAAP
-	Feb 9, 2026	254,376	ー	101,262	71,266	0	J-GAAP

Fiscal Year	Revenue	YoY	Operating Profit	YoY	Ordinary Profit	YoY	Adj. EPS	YoY
Mar, 2018	79,142	－	Available in future release
Mar, 2019	86,967	+9.9
Mar, 2020	94,704	+8.9
Mar, 2021	103,386	+9.2
Mar, 2022	106,026	+2.6
Mar, 2023	120,445	+13.6
Mar, 2024	137,950	+14.5
Mar, 2025	184,534	+33.8
Mar, 2026 Guidance	254,376	+37.8	ー	－	101,262	+41.6	408.4	+40.3

Fiscal Year	Revenue	Operating Profit	Operating Profit Margin	ROE	ROA	Total Asset Turnover Ratio	Adj. EPS
Mar, 2024	137,950	ー	ー	14.54	0.27	0.01	198.4
Mar, 2025	184,534	ー	ー	18.06	0.36	0.01	291.0
Mar, 2026 Guidance	254,376	ー	ー	20.17	0.42	0.02	408.4

All-Time High

	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS
Record	184,534	ー	71,524	50,779	291.0
Fiscal Year	Mar, 2025	ー	Mar, 2025	Mar, 2025	Mar, 2025

Second Half

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Oct - Mar, 2022	62,054	ー	20,780	14,880	90.5	0	May 10, 2023	J-GAAP
Oct - Mar, 2023	72,029	ー	25,822	18,339	105.7	0	May 13, 2024	J-GAAP
Oct - Mar, 2024	100,878	ー	40,435	28,634	164.1	0	May 12, 2025	J-GAAP
Oct - Mar, 2025 Guidance	136,015	ー	52,974	37,259	213.5	0	Feb 9, 2026	J-GAAP
YoY	+34.8%	－	+31.0%	+30.1%	+30.1%

Cash Flow

Annual

Fiscal Year	Operating Profit	Fee Cash Flow	Operating Cash Flow	Investing Cash Flow	Financial Cash Flow	Cash & Equivalents	Cash Ratio	Accounting Standards
Mar, 2023	ー	401,117	594,695	-193,578	ー	4,050,224	34.95	J-GAAP
Mar, 2024	ー	726,822	1,027,880	-301,058	13,324	4,791,091	35.54	J-GAAP
Mar, 2025	ー	-548,805	183,758	-732,563	0	4,241,852	28.76	J-GAAP

Actual Performance and Financial Trends

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	101,076	ー	35,236	25,077	144.8	72.9	Feb 13, 2024	J-GAAP
Apr - Dec, 2024	131,709	ー	49,497	35,182	201.6	69.2	Feb 12, 2025	J-GAAP
Apr - Dec, 2025	183,263	ー	75,106	53,119	304.4	74.2	Feb 9, 2026	J-GAAP
YoY	+39.1%	－	+51.7%	+51.0%	+51.0%

Quarterly Results

Result

Growth Rate

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Jan - Mar, 2024	36,874	ー	13,131	9,359	53.9	0.0	May 13, 2024	J-GAAP
Apr - Jun, 2024	40,815	ー	15,261	10,921	62.6	0.0	Aug 7, 2024	J-GAAP
Jul - Sep, 2024	42,841	ー	15,828	11,224	64.3	0.0	Nov 11, 2024	J-GAAP
Oct - Dec, 2024	48,053	ー	18,408	13,037	74.7	0.0	Feb 12, 2025	J-GAAP
Jan - Mar, 2025	52,825	ー	22,027	15,597	89.4	0.0	May 12, 2025	J-GAAP
Apr - Jun, 2025	57,504	ー	23,943	16,835	96.5	0.0	Aug 6, 2025	J-GAAP
Jul - Sep, 2025	60,857	ー	24,345	17,172	98.4	0.0	Nov 11, 2025	J-GAAP
Oct - Dec, 2025	64,902	ー	26,818	19,112	109.5	0.0	Feb 9, 2026	J-GAAP
YoY	+35.1%	－	+45.7%	+46.6%	+46.6%

Fiscal Year	Revenue	YoY	Operating Profit	YoY	Ordinary Profit	YoY	Adj. EPS	YoY
Apr - Jun, 2022	29,077	－	Available in future release
Jul - Sep, 2022	29,314	－
Oct - Dec, 2022	30,745	－
Jan - Mar, 2023	31,309	－
Apr - Jun, 2023	32,635	+12.2
Jul - Sep, 2023	33,286	+13.5
Oct - Dec, 2023	35,155	+14.3
Jan - Mar, 2024	36,874	+17.8
Apr - Jun, 2024	40,815	+25.1
Jul - Sep, 2024	42,841	+28.7
Oct - Dec, 2024	48,053	+36.7
Jan - Mar, 2025	52,825	+43.3
Apr - Jun, 2025	57,504	+40.9
Jul - Sep, 2025	60,857	+42.1
Oct - Dec, 2025	64,902	+35.1	ー	－	26,818	+45.7	109.5	+46.6

All-Time High Quarterly Results

	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS
Record	64,902	ー	26,818	19,112	109.5
Fiscal Year	Dec, 2025	ー	Dec, 2025	Dec, 2025	Dec, 2025

Key Balance Sheet Figures

Fiscal Year	BPS	Equity Ratio	Total Asset	Equity	Retained Earnings	Interest-Bearing Debt Ratio	Announce	Accounting Standards
Mar, 2023	1,295.31	1.8	11,589,508	213,032	186,714	ー	May 10, 2023	J-GAAP
Mar, 2024	1,493.84	1.9	13,480,473	260,648	221,151	ー	May 13, 2024	J-GAAP
Mar, 2025	1,729.90	2.0	14,748,639	301,837	271,931	ー	May 12, 2025	J-GAAP
Apr - Dec, 2025	ー	2.1	16,887,125	353,374	325,050	ー	Feb 9, 2026	J-GAAP

Rakuten Bank, Ltd.(5838) Financial Results