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San ju San Financial, First Half Ordinary Profit Increases by 11%

Fri Nov 7, 2025 3:40 pm JST Earnings

7322 San ju San Financial Group,Inc 【J-GAAP】

Earnings Report

San ju San Financial Group,Inc <7322> [TSE Prime] announced its financial results after the market closed on November 7th (15:40). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 10.5% from the same period last year, reaching 7.76 billion yen. However, Progress toward the full-year plan of 15.7 billion yen was 49.5%, also falling below the five-year average of 60.1%.

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 expand 67.9% from the same period last year, reaching 7.93 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit grew 19.1% from the same period last year, reaching 4.00 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 33,822 ー 4,265 3,994 153.6 43.7 Nov 9, 2023 J-GAAP
Apr - Sep, 2024 36,053 ー 7,028 4,882 187.7 59.8 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 44,723 ー 7,768 5,674 217.9 49.5 Nov 7, 2025 J-GAAP
YoY +24.0% － +10.5% +16.2% +16.1%

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 7,600 5,400 207.4 64 May 9, 2025 J-GAAP
Apr - Sep, 2025 Results 44,723 ー 7,768 5,674 217.9 64 Nov 7, 2025 J-GAAP
Revision Rate － － +2.2% +5.1% +5.0%

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 38,860 ー 4,723 3,771 144.9 63 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 7,932 5,426 208.6 64 Nov 7, 2025 J-GAAP
YoY － － +67.9% +43.9% +43.9%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 67,848 ー 9,755 6,904 265.5 80 May 9, 2024 J-GAAP
Mar, 2025 74,913 ー 11,751 8,653 332.5 100 May 9, 2025 J-GAAP
Mar, 2026 Guidance ー ー 15,700 11,100 426.6 128 May 9, 2025 J-GAAP
YoY － － +33.6% +28.3% +28.3%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 17,837 ー 3,362 2,301 88.5 0.0 Nov 8, 2024 J-GAAP
Oct - Dec, 2024 18,526 ー 2,751 1,711 65.8 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 20,334 ー 1,972 2,060 79.2 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 21,704 ー 3,763 2,789 107.2 0.0 Aug 8, 2025 J-GAAP
Jul - Sep, 2025 23,019 ー 4,005 2,885 110.8 0.0 Nov 7, 2025 J-GAAP
YoY +29.1% － +19.1% +25.4% +25.2%

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