Yamaguchi Financial Group (8418) Q1 2027 earnings summary

Executive summary

• Ordinary income rose 28.5% year-over-year to ¥73,229 million for the quarter ended June 30, 2026, with ordinary profit up 48.7% to ¥20,014 million and profit attributable to owners of parent up 46.4% to ¥14,149 million.

• Comprehensive income increased to ¥33,980 million from ¥19,899 million year-over-year.

Financial highlights

• Net interest income grew by ¥695 million year-over-year to ¥28,477 million, with interest on loans and discounts up ¥5,332 million to ¥34,359 million.

• Consolidated gross business profit increased by ¥13,226 million to ¥39,319 million.

• Consolidated net business profit before provision for loan losses was ¥11,284 million, up ¥98 million year-over-year.

• ROE based on net assets was 8.38%, and OHR improved to 49.03% from 55.83% year-over-year.

• Basic earnings per share rose to ¥69.48 from ¥45.81 year-over-year.

Outlook and guidance

• Full-year forecast for FY ending March 31, 2027: ordinary profit of ¥67,500 million (+49.9% YoY), profit attributable to owners of parent ¥45,000 million (+36.3% YoY), and basic EPS of ¥222.05.

• Interim forecast (six months ending September 30, 2026): ordinary profit ¥30,500 million (+14.1% YoY), profit attributable to owners of parent ¥20,000 million (–7.1% YoY), EPS ¥98.53.

• Dividend forecast for FY27 is ¥96.00 per share, up from ¥64.00 in FY26.