KYUSHU FINANCIAL GROUP (7180) Q4 2025 earnings summary

Executive summary

• Ordinary income rose by ¥28.7 billion year-over-year to ¥251.3 billion, driven by higher interest income and other factors.

• Ordinary profit increased by ¥4.6 billion to ¥43.0 billion, and profit attributable to owners of parent rose by ¥4.0 billion to ¥30.4 billion.

• The Japanese economy saw inflation, a historic BOJ rate hike, and volatile markets, impacting financial performance.

Financial highlights

• Ordinary revenues: ¥251.3 billion, up 12.9% year-over-year.

• Ordinary profit: ¥43.0 billion, up 11.8% year-over-year.

• Profit attributable to owners of parent: ¥30.4 billion, up 15.0% year-over-year.

• Basic EPS: ¥70.19, up from ¥61.01 year-over-year.

• Comprehensive income was negative ¥5.5 billion, down from ¥71.9 billion last year due to valuation losses.

Outlook and guidance

• FY2026 forecast: ordinary profit of ¥48.0 billion (+11.6% YoY), profit attributable to owners of parent of ¥33.5 billion (+10.3% YoY), and basic EPS of ¥77.43.

• Dividend forecast for FY2026: ¥26.00 per share, including a commemorative dividend.