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Shizuoka Financial Group (5831) investor relations material
Shizuoka Financial Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income rose JPY 17.2 bn year-over-year to JPY 69.7 bn, driven by higher net interest income from rising JPY interest rates and gains on stocks.
Ordinary income increased 24.3% YoY to JPY 304,027 million, and ordinary profit rose 32.3% to JPY 98,348 million.
Profit attributable to owners of parent grew 32.7% to JPY 69,694 million, with comprehensive income surging to JPY 133,536 million, up 254.2% YoY.
Upward revision of full-year net income forecast to JPY 88.0 bn, JPY 2.0 bn above the November 2025 plan and JPY 7.0 bn above the initial plan.
Progress rate toward revised plan goals reached 81.0%.
Financial highlights
Core gross operating profit increased by JPY 21.8 bn YoY to JPY 164.8 bn; gross operating profit was JPY 143.4 bn, down slightly due to lower bond-related profits.
Net interest income increased to JPY 122,647 million, and net gains on equity securities reached JPY 35,906 million.
Net operating profit decreased by JPY 6.2 bn YoY to JPY 66.5 bn due to higher expenses and bond sale losses.
Total assets as of December 31, 2025, were JPY 15,878.3 billion, up JPY 163.4 billion from March 31, 2025.
Consolidated ROE (net assets) improved to 7.6% (up 1.8 pts YoY).
Outlook and guidance
Full-year net income forecast revised upward to JPY 88.0 bn, reflecting strong core business and gains on securities.
Full-year ordinary profit forecast revised upward to JPY 127.0 bn.
Dividend per share raised to JPY 80, up JPY 20 YoY; total payout ratio projected at 82.9%.
Year-end dividend forecast increased to JPY 41.00 per share, with total annual dividends projected at JPY 80.00 per share.
Consolidated ROE projected to improve to 7.3%.
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