8395 THE BANK OF SAGA LTD. - Financial Results

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8395

TSE Prime

THE BANK OF SAGA LTD.

3,800

JPY

+105

(+2.84%)

Dec 5, 1:36 pm JST

24.51

USD

Dec 4, 11:36 pm EST

Result

PTS

outside of trading hours

3,794.5

Dec 5, 1:31 pm JST

Summary Chart Historical News Financial Result

Current Period Guidance

Annual

Result

Guidance History

Growth Rate

Profitability

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2022	43,861	ー	6,975	4,076	243.0	70	May 12, 2022	J-GAAP
Mar, 2023	47,675	ー	7,265	5,491	327.1	70	May 11, 2023	J-GAAP
Mar, 2024	53,013	ー	7,571	6,218	370.1	80	May 10, 2024	J-GAAP
Mar, 2025	55,231	ー	11,001	7,496	444.4	90	May 12, 2025	J-GAAP
Mar, 2026 Guidance	56,000	ー	11,500	8,000	473.3	100	Oct 24, 2025	J-GAAP
YoY	+1.4%	－	+4.5%	+6.7%	+6.5%

Revision Direction	Revision Date	Revenue	Operating Profit	Ordinary Profit	Net Profit	Revised Dividend	Accounting Standards
Mar, 2021	May 13, 2020	40,000	ー	3,400	2,000	70	J-GAAP
- Results	May 13, 2021	41,153	ー	4,213	2,465	70	J-GAAP
Mar, 2022	May 13, 2021	Available in future release
Results	May 12, 2022
Mar, 2023	May 12, 2022
	Apr 25, 2023
Results	May 11, 2023
Mar, 2024	May 11, 2023
	Apr 23, 2024
Results	May 10, 2024
Mar, 2025	May 10, 2024
	Apr 22, 2025
Results	May 12, 2025
Mar, 2026	May 12, 2025	56,000	ー	11,500	8,000	90	J-GAAP
-	Oct 24, 2025	56,000	ー	11,500	8,000	100	J-GAAP

Fiscal Year	Revenue	YoY	Operating Profit	YoY	Ordinary Profit	YoY	Adj. EPS	YoY
Mar, 2001	56,643	+1.6	Available in future release
Mar, 2002	46,349	-18.2
Mar, 2003	49,574	+7.0
Mar, 2004	50,158	+1.2
Mar, 2005	42,888	-14.5
Mar, 2006	44,648	+4.1
Mar, 2007	44,257	-0.9
Mar, 2008	46,056	+4.1
Mar, 2009	45,921	-0.3
Mar, 2010	42,515	-7.4
Mar, 2011	40,957	-3.7
Mar, 2012	40,482	-1.2
Mar, 2013	42,573	+5.2
Mar, 2014	42,621	+0.1
Mar, 2015	41,910	-1.7
Mar, 2016	49,017	+17.0
Mar, 2017	44,106	-10.0
Mar, 2018	39,622	-10.2
Mar, 2019	46,664	+17.8
Mar, 2020	41,400	-11.3
Mar, 2021	41,153	-0.6
Mar, 2022	43,861	+6.6
Mar, 2023	47,675	+8.7
Mar, 2024	53,013	+11.2
Mar, 2025	55,231	+4.2
Mar, 2026 Guidance	56,000	+1.4	ー	－	11,500	+4.5	473.3	+6.5

Fiscal Year	Revenue	Operating Profit	Operating Profit Margin	ROE	ROA	Total Asset Turnover Ratio	Adj. EPS
Mar, 2024	53,013	ー	ー	5.38	0.20	0.02	370.1
Mar, 2025	55,231	ー	ー	6.28	0.24	0.02	444.4
Mar, 2026 Guidance	56,000	ー	ー	6.51	0.25	0.02	473.3

All-Time High

	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS
Record	99,322	13,804	11,001	7,699	3,068.2
Fiscal Year	Mar, 1992	Mar, 1995	Mar, 2025	Mar, 2008	Mar, 1990

Second Half

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Oct - Mar, 2022	24,236	ー	1,102	779	46.4	35	May 11, 2023	J-GAAP
Oct - Mar, 2023	26,258	ー	2,747	2,474	147.3	45	May 10, 2024	J-GAAP
Oct - Mar, 2024	26,160	ー	4,962	3,183	188.7	50	May 12, 2025	J-GAAP
Oct - Mar, 2025 Guidance	26,200	ー	4,539	2,978	176.2	50	Nov 7, 2025	J-GAAP
YoY	+0.2%	－	-8.5%	-6.4%	-6.6%

Cash Flow

Annual

Fiscal Year	Operating Profit	Fee Cash Flow	Operating Cash Flow	Investing Cash Flow	Financial Cash Flow	Cash & Equivalents	Cash Ratio	Accounting Standards
Mar, 2023	ー	-232,539	-188,817	-43,722	-1,184	66,380	2.21	J-GAAP
Mar, 2024	ー	134,971	113,056	21,915	-1,176	200,178	6.33	J-GAAP
Mar, 2025	ー	71,681	-23,726	95,407	-1,433	270,425	8.51	J-GAAP

Actual Performance and Financial Trends

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	26,755	ー	4,824	3,744	222.9	63.7	Nov 10, 2023	J-GAAP
Apr - Sep, 2024	29,071	ー	6,039	4,313	256.0	54.9	Nov 8, 2024	J-GAAP
Apr - Sep, 2025	29,800	ー	6,961	5,022	297.2	60.5	Nov 7, 2025	J-GAAP
YoY	+2.5%	－	+15.3%	+16.4%	+16.1%

Quarterly Results

Result

Growth Rate

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Oct - Dec, 2023	13,182	ー	348	876	52.1	0.0	Feb 9, 2024	J-GAAP
Jan - Mar, 2024	13,076	ー	2,399	1,598	95.1	0.0	May 10, 2024	J-GAAP
Apr - Jun, 2024	14,914	ー	3,577	2,482	147.7	0.0	Aug 5, 2024	J-GAAP
Jul - Sep, 2024	14,157	ー	2,462	1,831	108.7	0.0	Nov 8, 2024	J-GAAP
Oct - Dec, 2024	13,416	ー	2,783	1,852	109.8	0.0	Feb 7, 2025	J-GAAP
Jan - Mar, 2025	12,744	ー	2,179	1,331	78.9	0.0	May 12, 2025	J-GAAP
Apr - Jun, 2025	13,595	ー	1,669	1,242	73.5	0.0	Aug 4, 2025	J-GAAP
Jul - Sep, 2025	16,205	ー	5,292	3,780	223.7	0.0	Nov 7, 2025	J-GAAP
YoY	+14.5%	－	+114.9%	+106.4%	+105.9%

Fiscal Year	Revenue	YoY	Operating Profit	YoY	Ordinary Profit	YoY	Adj. EPS	YoY
Oct - Dec, 2020	10,246	-4.5	Available in future release
Jan - Mar, 2021	10,122	-0.3
Apr - Jun, 2021	11,327	+10.6
Jul - Sep, 2021	10,909	+3.5
Oct - Dec, 2021	10,809	+5.5
Jan - Mar, 2022	10,816	+6.9
Apr - Jun, 2022	11,821	+4.4
Jul - Sep, 2022	11,618	+6.5
Oct - Dec, 2022	12,501	+15.7
Jan - Mar, 2023	11,735	+8.5
Apr - Jun, 2023	13,993	+18.4
Jul - Sep, 2023	12,762	+9.8
Oct - Dec, 2023	13,182	+5.4
Jan - Mar, 2024	13,076	+11.4
Apr - Jun, 2024	14,914	+6.6
Jul - Sep, 2024	14,157	+10.9
Oct - Dec, 2024	13,416	+1.8
Jan - Mar, 2025	12,744	-2.5
Apr - Jun, 2025	13,595	-8.8
Jul - Sep, 2025	16,205	+14.5	ー	－	5,292	+114.9	223.7	+105.8

All-Time High Quarterly Results

	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS
Record	16,205	ー	5,309	3,780	223.7
Fiscal Year	Sep, 2025	ー	Dec, 2012	Sep, 2025	Sep, 2025

Key Balance Sheet Figures

Fiscal Year	BPS	Equity Ratio	Total Asset	Equity	Retained Earnings	Interest-Bearing Debt Ratio	Announce	Accounting Standards
Mar, 2023	6,462.14	3.6	3,009,245	108,502	80,824	ー	May 11, 2023	J-GAAP
Mar, 2024	7,292.42	3.9	3,161,031	122,569	86,131	ー	May 10, 2024	J-GAAP
Mar, 2025	6,879.45	3.7	3,177,787	116,119	91,469	ー	May 12, 2025	J-GAAP
Apr - Sep, 2025	ー	3.8	3,203,327	122,935	95,656	ー	Nov 7, 2025	J-GAAP

THE BANK OF SAGA LTD.(8395) Financial Results