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Shinkin Central Bank, First Half Ordinary Profit Increases by 3%

Thu Oct 30, 2025 4:00 pm JST Earnings

8421 Shinkin Central Bank 【J-GAAP】

Earnings Report

Shinkin Central Bank <8421> [TSE] announced its financial results after the market closed on October 30th (16:00). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) was 30.2 billion yen, a 3.0% increase compared to the same period last year. Progress toward the full-year plan of 55.0 billion yen was 55.1%, it was below the five-year average of 68.6%.

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 decrease 15.3% from the same period last year to 24.7 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit increased 53.5% from the same period last year, reaching 15.7 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 189,202 ー 23,049 16,810 2,505.9 52.1 Oct 27, 2023 J-GAAP
Apr - Sep, 2024 219,636 ー 29,404 21,160 2,430.0 50.2 Oct 30, 2024 J-GAAP
Apr - Sep, 2025 312,608 ー 30,280 21,851 2,509.3 55.1 Oct 30, 2025 J-GAAP
YoY +42.3% － +3.0% +3.3% +3.3%

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 ー ー － － May 20, 2025 J-GAAP
Apr - Sep, 2025 Results 312,608 ー 30,280 21,851 2,509.3 － Oct 30, 2025 J-GAAP
Revision Rate － － － － －

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 262,947 ー 29,181 21,289 2,322.4 6,500 May 20, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 24,720 18,149 2,705.5 6,500 Oct 30, 2025 J-GAAP
YoY － － -15.3% -14.7% +16.5%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 427,435 ー 44,230 32,145 4,464.3 6,500 May 17, 2024 J-GAAP
Mar, 2025 482,583 ー 58,585 42,449 4,630.7 6,500 May 20, 2025 J-GAAP
Mar, 2026 Guidance ー ー 55,000 40,000 5,962.8 6,500 May 20, 2025 J-GAAP
YoY － － -6.1% -5.8% +28.8%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 108,268 ー 10,247 7,233 830.6 0.0 Oct 30, 2024 J-GAAP
Oct - Dec, 2024 124,982 ー 17,268 12,123 1,392.1 0.0 Jan 30, 2025 J-GAAP
Jan - Mar, 2025 137,965 ー 11,913 9,166 999.9 0.0 May 20, 2025 J-GAAP
Apr - Jun, 2025 150,498 ー 14,546 10,737 1,233.1 0.0 Jul 30, 2025 J-GAAP
Jul - Sep, 2025 162,110 ー 15,734 11,114 1,276.3 0.0 Oct 30, 2025 J-GAAP
YoY +49.7% － +53.5% +53.7% +53.7%

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