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BANK OF SAGA, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 71%, Oct-Dec Ordinary Profit Increases by 8.0 times

Fri Feb 7, 2025 3:30 pm JST Earnings

8395 THE BANK OF SAGA LTD. 【J-GAAP】

Earnings Report

THE BANK OF SAGA LTD. <8395> [TSE Prime] announced its financial results after the market closed on February 7th (15:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2025 (April to December) expanded 8.82 billion yen, an increase 70.6% compared to the same period last year. The progress rate toward the full-year plan of 10.1 billion yen was 87.3%, almost the same as the five-year average of 86.4%.

Based on the cumulative third-quarter performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the January to March period (4Q) is expected to drop 46.7% from the same period last year to 1.27 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit surged 8.0 times that of the same period last year, reaching 2.78 billion yen.

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Actual Results

Accumulated Results 3rd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Apr - Dec, 2022 35,940 ー 7,661 6,133 365.3 105.5 Feb 10, 2023 J-GAAP
Apr - Dec, 2023 39,937 ー 5,172 4,620 275.0 68.3 Feb 9, 2024 J-GAAP
Apr - Dec, 2024 42,487 ー 8,822 6,165 365.6 87.3 Feb 7, 2025 J-GAAP
YoY +6.4% － +70.6% +33.4% +32.9%

Current Period Guidance

Second Half Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
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%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
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%

Quarterly Results

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
YoY +1.8% － +699.7% +111.4% +110.6%

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