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Concordia Financial, 18% Increase in Ordinary Profit, Update Record High for Second Consecutive Term, Dividend Raised by 5 yen

Mon May 12, 2025 3:30 pm JST Earnings

7186 Yokohama Financial Group, Inc. 【J-GAAP】

Earnings Report

Concordia Financial Group, Ltd. <7186> [TSE Prime] announced its financial results after the market closed on May 12th (15:30). The consolidated ordinary profit for the fiscal year ending March 2025 expanded 59.4% from the previous period to 122 billion yen. For the fiscal year ending March 2026, the consolidated ordinary profit is expected to grow by 18.1% to 145 billion yen, marking the second consecutive term of record-high profits.

At the same time, the company has decided to increase the dividend this fiscal year to 34 yen, an increase of 5 yen from the previous fiscal year.

In the most recent three-month period, from January to March (4Q), the consolidated ordinary profit increased 38.8% from the same period last year, reaching 29.4 billion yen.

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Actual Results

Historical Performance
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2023 312,983 79,870 56,159 47.4 19 May 12, 2023 J-GAAP
Mar, 2024 358,303 77,004 66,931 57.2 23 May 13, 2024 J-GAAP
Mar, 2025 399,103 122,764 82,805 71.6 29 May 12, 2025 J-GAAP
YoY +11.4% +59.4% +23.7% +25.3%

Full Year Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2025 Guidance 120,000 78,500 68.8 29 Mar 10, 2025 J-GAAP
Mar, 2025 Results 399,103 122,764 82,805 71.6 29 May 12, 2025 J-GAAP
Revision Rate +2.3% +5.5% +4.2%

Current Period Guidance

H1 Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Apr - Sep, 2024 190,269 64,196 44,306 38.1 13 Nov 14, 2024 J-GAAP
Apr - Sep, 2025 Guidance 17 May 12, 2025 J-GAAP
YoY

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 358,303 77,004 66,931 57.2 23 May 13, 2024 J-GAAP
Mar, 2025 399,103 122,764 82,805 71.6 29 May 12, 2025 J-GAAP
Mar, 2026 Guidance 145,000 95,500 84.5 34 May 12, 2025 J-GAAP
YoY +18.1% +15.3% +18.0%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jan - Mar, 2024 96,614 21,207 13,013 11.1 0.0 May 13, 2024 J-GAAP
Apr - Jun, 2024 92,624 32,676 22,665 19.5 0.0 Aug 5, 2024 J-GAAP
Jul - Sep, 2024 97,645 31,520 21,641 18.6 0.0 Nov 14, 2024 J-GAAP
Oct - Dec, 2024 98,633 29,124 18,452 15.9 0.0 Feb 5, 2025 J-GAAP
Jan - Mar, 2025 110,201 29,444 20,047 17.3 0.0 May 12, 2025 J-GAAP
YoY +14.1% +38.8% +54.1% +56.1%

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