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Kyushu Financial, First Half Ordinary Profit Increases by 41%, Jul-Sep Ordinary Profit Increases by 39%

Fri Nov 14, 2025 1:00 pm JST Earnings

7180 Kyushu Financial Group,Inc. 【J-GAAP】

Earnings Report

Kyushu Financial Group,Inc. <7180> [TSE Prime] announced its financial results in the afternoon session on November 14th (13:00). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) expanded 29.9 billion yen, an increase 41.1% compared to the same period last year. Progress toward the full-year plan of 50.5 billion yen was 59.3%, almost the same as the five-year average of 61.7%.

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 October to March period (second half) is expected to decrease 5.6% from the same period last year to 20.5 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit increased 38.7% from the same period last year, reaching 10.8 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 112,624 ー 22,740 15,729 36.4 59.2 Nov 13, 2023 J-GAAP
Apr - Sep, 2024 108,665 ー 21,227 14,616 33.8 49.4 Nov 14, 2024 J-GAAP
Apr - Sep, 2025 122,536 ー 29,959 20,814 48.1 59.3 Nov 14, 2025 J-GAAP
YoY +12.8% － +41.1% +42.4% +42.4%

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 27,000 19,000 43.9 13 Aug 7, 2025 J-GAAP
Apr - Sep, 2025 Results 122,536 ー 29,959 20,814 48.1 13 Nov 14, 2025 J-GAAP
Revision Rate － － +11.0% +9.5% +9.5%

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 142,627 ー 21,764 15,752 36.4 12 May 12, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 20,541 14,186 32.9 14 Nov 14, 2025 J-GAAP
YoY － － -5.6% -9.9% -9.7%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 222,551 ー 38,438 26,394 61.0 18 May 13, 2024 J-GAAP
Mar, 2025 251,292 ー 42,991 30,368 70.2 21 May 12, 2025 J-GAAP
Mar, 2026 Guidance ー ー 50,500 35,000 81.1 27 Nov 6, 2025 J-GAAP
YoY － － +17.5% +15.3% +15.6%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 51,209 ー 7,811 5,324 12.3 0.0 Nov 14, 2024 J-GAAP
Oct - Dec, 2024 58,224 ー 8,865 6,315 14.6 0.0 Feb 13, 2025 J-GAAP
Jan - Mar, 2025 84,403 ー 12,899 9,437 21.8 0.0 May 12, 2025 J-GAAP
Apr - Jun, 2025 64,132 ー 19,123 13,448 31.1 0.0 Aug 7, 2025 J-GAAP
Jul - Sep, 2025 58,404 ー 10,836 7,366 17.0 0.0 Nov 14, 2025 J-GAAP
YoY +14.1% － +38.7% +38.4% +38.4%

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