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Rakuten Bank, First Half Ordinary Profit Increases by 55%, Jul-Sep Ordinary Profit Increases by 54%

Tue Nov 11, 2025 3:35 pm JST Earnings

5838 Rakuten Bank, Ltd. 【J-GAAP】

Earnings Report

Rakuten Bank, Ltd. <5838> [TSE Prime] announced its financial results after the market closed on November 11th (15:35). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) expanded 48.2 billion yen, an increase 55.3% compared to the same period last year. Progress toward the full-year plan of 91.2 billion yen was 52.9%, also surpassing the four-year average of 45.5%.

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 October to March period (second half) is expected to grow 6.2% from the same period last year, reaching 42.9 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit increased 53.8% from the same period last year, reaching 24.3 billion yen.

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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
Apr - Sep, 2023 65,921 ー 22,545 16,097 93.3 46.6 Nov 7, 2023 J-GAAP
Apr - Sep, 2024 83,656 ー 31,089 22,145 126.9 43.5 Nov 11, 2024 J-GAAP
Apr - Sep, 2025 118,361 ー 48,288 34,007 194.9 52.9 Nov 11, 2025 J-GAAP
YoY +41.5% － +55.3% +53.6% +53.6%

First Half Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Apr - Sep, 2025 Guidance ー ー ー ー － 0 May 12, 2025 J-GAAP
Apr - Sep, 2025 Results 118,361 ー 48,288 34,007 194.9 0 Nov 11, 2025 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
Oct - Mar, 2024 100,878 ー 40,435 28,634 164.1 0 May 12, 2025 J-GAAP
Oct - Mar, 2025 Guidance 128,523 ー 42,933 30,341 173.9 0 Nov 11, 2025 J-GAAP
YoY +27.4% － +6.2% +6.0% +6.0%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
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 246,884 ー 91,221 64,348 368.8 0 May 12, 2025 J-GAAP
YoY +33.8% － +27.5% +26.7% +26.7%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
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
YoY +42.1% － +53.8% +53.0% +53.0%

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