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San-in Godo Bank, Ordinary Profit Forecast for the Fiscal Year Revised Downward by 2%

Thu Nov 13, 2025 1:00 pm JST Earnings

8381 The San-in Godo Bank,Ltd. 【J-GAAP】

Earnings Report

The San-in Godo Bank,Ltd. <8381> [TSE Prime] announced its financial results in the afternoon session on November 13th (13:00). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 24.6% from the same period last year, reaching 15.0 billion yen.

However, the full-year forecast for consolidated ordinary profit has decreased 2.0%, from the previous forecast of 30.4 billion yen to 29.8 billion yen (compared to 26.7 billion yen in the previous period), leading to a reduction in the profit growth rate from 13.8% to 11.5%.

Based on the first-half performance announced by the company and the full-year plan, our calculation indicates that the consolidated ordinary profit for the October to March period (second half) is expected to nearly flat at 14.7 billion yen, up 0.8% from the same period last year.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit increased 97.5% 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 57,588 ー 9,944 6,627 43.0 40.2 Nov 10, 2023 J-GAAP
Apr - Sep, 2024 63,497 ー 12,070 8,356 54.7 45.2 Nov 11, 2024 J-GAAP
Apr - Sep, 2025 76,075 ー 15,039 10,707 70.6 50.5 Nov 13, 2025 J-GAAP
YoY +19.8% － +24.6% +28.1% +29.1%

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 76,300 ー 15,100 10,400 68.6 28 May 13, 2025 J-GAAP
Apr - Sep, 2025 Results 76,075 ー 15,039 10,707 70.6 28 Nov 13, 2025 J-GAAP
Revision Rate -0.3% － -0.4% +3.0% +3.0%

Guidance Update

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev 163,100 ー 30,400 21,000 138.8 56 May 13, 2025 J-GAAP
Mar, 2026 New 160,300 ー 29,800 21,000 138.8 56 Nov 13, 2025 J-GAAP
Revision Rate -1.7% － -2.0% 0.0% 0.0%

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 71,817 ー 14,646 10,381 68.1 24 May 13, 2025 J-GAAP
Oct - Mar, 2025 Guidance 84,225 ー 14,761 10,293 68.1 28 Nov 13, 2025 J-GAAP
YoY +17.3% － +0.8% -0.8% -0.1%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 120,176 ー 24,727 16,800 109.3 39 May 13, 2024 J-GAAP
Mar, 2025 135,314 ー 26,716 18,737 122.9 48 May 13, 2025 J-GAAP
Mar, 2026 Guidance 160,300 ー 29,800 21,000 138.8 56 Nov 13, 2025 J-GAAP
YoY +18.5% － +11.5% +12.1% +13.0%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 33,458 ー 5,497 3,690 24.2 0.0 Nov 11, 2024 J-GAAP
Oct - Dec, 2024 32,810 ー 7,322 4,791 31.4 0.0 Jan 31, 2025 J-GAAP
Jan - Mar, 2025 39,007 ー 7,324 5,590 36.7 0.0 May 13, 2025 J-GAAP
Apr - Jun, 2025 36,269 ー 4,185 3,222 21.2 0.0 Jul 31, 2025 J-GAAP
Jul - Sep, 2025 39,806 ー 10,854 7,485 49.4 0.0 Nov 13, 2025 J-GAAP
YoY +19.0% － +97.5% +102.8% +104.4%

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