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THE HOWA BANK, 14% Decrease in Ordinary Profit for The Current Fiscal Year

Wed May 14, 2025 4:00 pm JST Earnings

8559 THE HOWA BANK,LTD. 【J-GAAP】

Earnings Report

THE HOWA BANK,LTD. <8559> [FSE] announced its financial results after the market closed on May 14th (16:00). The ordinary profit (non-consolidated) for the fiscal year ending March 2025 expanded 97.1% from the previous period to 1.34 billion yen. However, for the fiscal year ending March 2026, the ordinary profit is expected to decrease by 14.4% from the previous period to 1.15 billion yen.

In the most recent three-month period, from January to March (4Q), the ordinary loss improved to a deficit of 0.13 billion yen (compared to a loss of 0.31 billion yen in the same period last year).

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Actual Results

Historical Performance
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
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
YoY -0.8% － +97.1% +18.2% +27.3%

Full Year Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2025 Guidance ー ー 1,340 1,030 105.5 10 May 7, 2025 J-GAAP
Mar, 2025 Results 10,380 ー 1,344 1,037 106.7 10 May 14, 2025 J-GAAP
Revision Rate － － +0.3% +0.7% +1.2%

Current Period Guidance

H1 Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Apr - Sep, 2024 5,433 ー 1,004 888 150.7 0 Nov 12, 2024 J-GAAP
Apr - Sep, 2025 Guidance ー ー 500 390 66.2 0 May 14, 2025 J-GAAP
YoY － － -50.2% -56.1% -56.1%

Current Period Guidance

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

Quarterly Results

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
YoY +7.6% － +57.3% -1,117.4% -1,210.0%

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