8395 THE BANK OF SAGA LTD. - Financial Results

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8395

TSE Prime

THE BANK OF SAGA LTD.

2,176

JPY

+71

(+3.37%)

Dec 23, 2:58 pm JST

13.89

USD

Dec 23, 12:58 am EST

Result

PTS

outside of trading hours

2,175.4

Dec 23, 2:58 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, 2021	41,153	ー	4,213	2,465	147.0	70	May 13, 2021	J-GAAP
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 Guidance	54,000	ー	10,100	6,800	402.6	80	May 10, 2024	J-GAAP
YoY	+1.9%	－	+33.4%	+9.4%	+8.8%

Revision Direction	Revision Date	Revenue	Operating Profit	Ordinary Profit	Net Profit	Revised Dividend	Accounting Standards
Mar, 2020	May 14, 2019	40,900	ー	3,700	2,000	70	J-GAAP
- Results	May 13, 2020	41,400	ー	4,602	2,441	70	J-GAAP
Mar, 2021	May 13, 2020	Available in future release
Results	May 13, 2021
Mar, 2022	May 13, 2021
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	54,000	ー	10,100	6,800	80	J-GAAP

Fiscal Year	Revenue	YoY	Operating Profit	YoY	Ordinary Profit	YoY	Adj. EPS	YoY
Mar, 2000	55,741	+0.1	Available in future release
Mar, 2001	56,643	+1.6
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 Guidance	54,000	+1.9	ー	－	10,100	+33.4	402.6	+8.8

Fiscal Year	Revenue	Operating Profit	Operating Profit Margin	ROE	ROA	Total Asset Turnover Ratio	Adj. EPS
Mar, 2023	47,675	ー	ー	4.90	0.18	0.02	327.1
Mar, 2024	53,013	ー	ー	5.38	0.20	0.02	370.1
Mar, 2025 Guidance	54,000	ー	ー	5.58	0.22	0.02	402.6

All-Time High

	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS
Record	99,322	13,804	9,952	7,699	3,068.2
Fiscal Year	Mar, 1992	Mar, 1995	Mar, 2006	Mar, 2008	Mar, 1990

Second Half

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Oct - Mar, 2021	21,625	ー	3,558	2,012	119.9	35	May 12, 2022	J-GAAP
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 Guidance	24,929	ー	4,061	2,487	147.2	40	Nov 8, 2024	J-GAAP
YoY	-5.1%	－	+47.8%	+0.5%	0.0%

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, 2022	ー	-69,433	-1,987	-67,446	-1,183	300,109	9.49	J-GAAP
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

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, 2022	23,439	ー	6,163	4,712	280.8	84.8	Nov 10, 2022	J-GAAP
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	59.8	Nov 8, 2024	J-GAAP
YoY	+8.7%	－	+25.2%	+15.2%	+14.8%

Quarterly Results

Result

Growth Rate

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Oct - Dec, 2022	12,501	ー	1,498	1,421	84.7	0.0	Feb 10, 2023	J-GAAP
Jan - Mar, 2023	11,735	ー	-396	-642	-38.2	0.0	May 11, 2023	J-GAAP
Apr - Jun, 2023	13,993	ー	2,099	1,734	103.3	0.0	Aug 4, 2023	J-GAAP
Jul - Sep, 2023	12,762	ー	2,725	2,010	119.7	0.0	Nov 10, 2023	J-GAAP
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
YoY	+10.9%	－	-9.7%	-8.9%	-9.2%

Fiscal Year	Revenue	YoY	Operating Profit	YoY	Ordinary Profit	YoY	Adj. EPS	YoY
Oct - Dec, 2019	10,724	+2.8	Available in future release
Jan - Mar, 2020	10,157	-15.4
Apr - Jun, 2020	10,241	+1.0
Jul - Sep, 2020	10,544	+1.6
Oct - Dec, 2020	10,246	-4.5
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	ー	－	2,462	-9.7	108.7	-9.2

All-Time High Quarterly Results

	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS
Record	14,914	ー	5,309	3,501	209.8
Fiscal Year	Jun, 2024	ー	Dec, 2012	Dec, 2012	Dec, 2012

Key Balance Sheet Figures

Fiscal Year	BPS	Equity Ratio	Total Asset	Equity	Retained Earnings	Interest-Bearing Debt Ratio	Announce	Accounting Standards
Mar, 2022	6,887.64	3.7	3,164,026	115,535	76,541	ー	May 12, 2022	J-GAAP
Mar, 2023	6,462.14	3.6	3,009,245	108,502	80,824	ー	May 11, 2023	J-GAAP
Mar, 2024	7,275.60	3.9	3,161,031	122,569	86,131	ー	May 10, 2024	J-GAAP
Apr - Sep, 2024	ー	3.9	3,119,519	121,908	89,605	ー	Nov 8, 2024	J-GAAP

THE BANK OF SAGA LTD.(8395) Financial Results