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Shinkin Central Bank, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 2%, Oct-Dec Ordinary Profit Increases by 1%

Thu Jan 29, 2026 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 January 29th (16:00). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) was 47.7 billion yen, a 2.4% increase compared to the same period last year. Progress toward the full-year plan of 55.0 billion yen was 86.9%, almost the same as the five-year average of 85.4%.

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 39.4% from the same period last year to 7.22 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit amounted to 17.4 billion yen, an increase of 1.3% compared to the same period last year.

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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, 2023 307,287 ー 30,690 22,592 3,367.9 69.4 Jan 30, 2024 J-GAAP
Apr - Dec, 2024 344,618 ー 46,672 33,283 3,822.0 79.7 Jan 30, 2025 J-GAAP
Apr - Dec, 2025 487,526 ー 47,777 34,383 3,948.4 86.9 Jan 29, 2026 J-GAAP
YoY +41.5% － +2.4% +3.3% +3.3%

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
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
Oct - Dec, 2025 174,918 ー 17,497 12,532 1,439.1 0.0 Jan 29, 2026 J-GAAP
YoY +40.0% － +1.3% +3.4% +3.4%

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