8559 THE HOWA BANK,LTD. - Financial Results

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8559

FSE

THE HOWA BANK,LTD.

501

JPY

(+0.20%)

Mar 13, 1:33 pm JST

3.14

USD

Mar 13, 12:33 am EDT

Result

PTS

outside of trading hours

ー

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	9,645	ー	959	848	82.7	10	May 12, 2022	J-GAAP
Mar, 2023	9,886	ー	1,456	1,302	159.6	10	May 11, 2023	J-GAAP
Mar, 2024	10,465	ー	682	877	83.9	10	May 14, 2024	J-GAAP
Mar, 2025	10,380	ー	1,344	1,037	106.7	10	May 14, 2025	J-GAAP
Mar, 2026 Guidance	ー	ー	1,150	660	42.8	10	May 14, 2025	J-GAAP
YoY	－	－	-14.4%	-36.4%	-59.9%

Revision Direction	Revision Date	Revenue	Operating Profit	Ordinary Profit	Net Profit	Revised Dividend	Accounting Standards
Mar, 2021	May 15, 2020	ー	ー	530	430	10	J-GAAP
- -	May 7, 2021	ー	ー	800	990	10	J-GAAP
- - Results	May 14, 2021	9,980	ー	803	995	10	J-GAAP
Mar, 2022	May 14, 2021	Available in future release
Results	May 12, 2022
Mar, 2023	May 12, 2022
	May 8, 2023
Results	May 11, 2023
Mar, 2024	May 11, 2023
	May 7, 2024
Results	May 14, 2024
Mar, 2025	May 14, 2024
	May 7, 2025
Results	May 14, 2025
Mar, 2026	May 14, 2025	ー	ー	1,150	660	10	J-GAAP

Fiscal Year	Revenue	YoY	Operating Profit	YoY	Ordinary Profit	YoY	Adj. EPS	YoY
Mar, 2001	16,626	-14.1	Available in future release
Mar, 2002	16,509	-0.7
Mar, 2003	15,608	-5.5
Mar, 2004	16,059	+2.9
Mar, 2005	15,335	-4.5
Mar, 2006	15,592	+1.7
Mar, 2007	13,762	-11.7
Mar, 2008	13,668	-0.7
Mar, 2009	13,761	+0.7
Mar, 2010	12,760	-7.3
Mar, 2011	12,203	-4.4
Mar, 2012	12,557	+2.9
Mar, 2013	11,619	-7.5
Mar, 2014	11,759	+1.2
Mar, 2015	12,037	+2.4
Mar, 2016	11,469	-4.7
Mar, 2017	10,148	-11.5
Mar, 2018	9,836	-3.1
Mar, 2019	9,677	-1.6
Mar, 2020	9,539	-1.4
Mar, 2021	9,980	+4.6
Mar, 2022	9,645	-3.4
Mar, 2023	9,886	+2.5
Mar, 2024	10,465	+5.9
Mar, 2025	10,380	-0.8
Mar, 2026 Guidance	ー	-100.0	ー	－	1,150	-14.4	42.8	-59.9

Fiscal Year	Revenue	Operating Profit	Operating Profit Margin	ROE	ROA	Total Asset Turnover Ratio	Adj. EPS
Mar, 2024	10,465	ー	ー	2.53	0.14	0.02	83.9
Mar, 2025	10,380	ー	ー	2.91	0.17	0.02	106.7
Mar, 2026 Guidance	ー	ー	ー	2.40	0.11	ー	42.8

All-Time High

	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS
Record	27,930	4,406	2,004	1,524	234.0
Fiscal Year	Mar, 1992	Mar, 1997	Mar, 1995	Mar, 2012	Mar, 1993

Second Half

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Oct - Mar, 2022	5,095	ー	926	828	101.5	10	May 11, 2023	J-GAAP
Oct - Mar, 2023	5,078	ー	215	556	53.2	10	May 14, 2024	J-GAAP
Oct - Mar, 2024	4,947	ー	340	149	15.3	10	May 14, 2025	J-GAAP
Oct - Mar, 2025 Guidance	ー	ー	511	252	16.3	10	Nov 10, 2025	J-GAAP
YoY	－	－	+50.3%	+69.1%	+6.5%

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	-24,327	-24,760	433	-451	78,891	12.73	J-GAAP
Mar, 2024	ー	-4,395	-5,696	1,301	3,081	77,577	12.50	J-GAAP
Mar, 2025	ー	-25,156	-19,809	-5,347	-2,055	50,364	8.40	J-GAAP

Actual Performance and Financial Trends

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	8,360	ー	996	900	152.7	146.0	Feb 13, 2024	J-GAAP
Apr - Dec, 2024	8,115	ー	1,478	1,317	223.5	110.0	Feb 7, 2025	J-GAAP
Apr - Dec, 2025	8,970	ー	532	231	32.1	46.3	Feb 6, 2026	J-GAAP
YoY	+10.5%	－	-64.0%	-82.5%	-85.6%

Quarterly Results

Result

Growth Rate

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Jan - Mar, 2024	2,105	ー	-314	-23	-2.2	0.0	May 14, 2024	J-GAAP
Apr - Jun, 2024	2,706	ー	489	481	81.7	0.0	Aug 9, 2024	J-GAAP
Jul - Sep, 2024	2,727	ー	515	407	69.1	0.0	Nov 12, 2024	J-GAAP
Oct - Dec, 2024	2,682	ー	474	429	72.8	0.0	Feb 7, 2025	J-GAAP
Jan - Mar, 2025	2,265	ー	-134	-280	-28.8	0.0	May 14, 2025	J-GAAP
Apr - Jun, 2025	2,783	ー	116	65	11.2	0.0	Aug 8, 2025	J-GAAP
Jul - Sep, 2025	3,009	ー	523	343	52.4	0.0	Nov 10, 2025	J-GAAP
Oct - Dec, 2025	3,178	ー	-107	-177	-24.6	0.0	Feb 6, 2026	J-GAAP
YoY	+18.5%	－	－	－	－

Fiscal Year	Revenue	YoY	Operating Profit	YoY	Ordinary Profit	YoY	Adj. EPS	YoY
Jan - Mar, 2021	2,225	+10.8	Available in future release
Apr - Jun, 2021	2,845	-3.2
Jul - Sep, 2021	2,385	+22.2
Oct - Dec, 2021	2,776	-3.1
Jan - Mar, 2022	1,639	-26.3
Apr - Jun, 2022	2,628	-7.6
Jul - Sep, 2022	2,163	-9.3
Oct - Dec, 2022	2,660	-4.2
Jan - Mar, 2023	2,435	+48.6
Apr - Jun, 2023	2,808	+6.8
Jul - Sep, 2023	2,579	+19.2
Oct - Dec, 2023	2,973	+11.8
Jan - Mar, 2024	2,105	-13.6
Apr - Jun, 2024	2,706	-3.6
Jul - Sep, 2024	2,727	+5.7
Oct - Dec, 2024	2,682	-9.8
Jan - Mar, 2025	2,265	+7.6
Apr - Jun, 2025	2,783	+2.8
Jul - Sep, 2025	3,009	+10.3
Oct - Dec, 2025	3,178	+18.5	ー	－	-107	－	-24.6	－

All-Time High Quarterly Results

	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS
Record	4,196	ー	1,067	1,264	161.7
Fiscal Year	Sep, 2008	ー	Mar, 2010	Mar, 2010	Jun, 2020

Key Balance Sheet Figures

Fiscal Year	BPS	Equity Ratio	Total Asset	Equity	Retained Earnings	Interest-Bearing Debt Ratio	Announce	Accounting Standards
Mar, 2023	814.03	5.2	619,731	32,158	8,985	ー	May 11, 2023	J-GAAP
Mar, 2024	1,051.52	6.0	620,810	37,167	9,441	ー	May 14, 2024	J-GAAP
Mar, 2025	788.57	5.7	599,499	34,056	10,157	ー	May 14, 2025	J-GAAP
Apr - Dec, 2025	ー	4.6	598,236	27,456	9,881	ー	Feb 6, 2026	J-GAAP

THE HOWA BANK,LTD.(8559) Financial Results