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Fukuoka Financial Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary4 Feb, 2026
Executive summary
Consolidated core business profit reached ¥101.1 billion, up ¥13.2 billion year-over-year, achieving 78.8% of the annual projection.
Ordinary income rose 18.5% year-over-year to ¥401.9 billion for the nine months ended December 31, 2025, with ordinary profit up 15.7% to ¥99.97 billion and net income attributable to owners of the parent up 15.8% to ¥70.35 billion.
Consolidated net income was ¥70.3 billion, up ¥9.6 billion year-over-year, representing 87.9% progress toward the annual projection.
Comprehensive income swung from a loss of ¥17.85 billion to a gain of ¥152.3 billion year-over-year, reflecting improved market conditions and valuation gains.
Core gross business profit rose by ¥22.6 billion, driven by higher domestic net interest and external system sales from Minna Bank.
Financial highlights
Core gross business profit (consolidated) was ¥228.9 billion, up ¥22.6 billion year-over-year.
Net income per share increased to ¥372.17 from ¥321.24 year-over-year.
Total assets grew to ¥34.01 trillion from ¥32.26 trillion as of March 31, 2025.
Overhead expenses increased by ¥9.5 billion, mainly due to higher base pay and DX-related investments.
Net interest income increased to ¥194.3 billion, up ¥17.6 billion year-over-year.
Outlook and guidance
Consolidated net income projection revised upward to ¥85.0 billion from ¥80.0 billion.
Full-year FY2025 ordinary profit is projected at ¥124.0 billion, up 19.7% year-over-year, with net income attributable to owners of the parent forecast at ¥85.0 billion, up 17.8%.
Year-end dividend per share forecast raised to ¥95 from ¥85, with annual DPS up to ¥180.
Net income per share for the full year is projected at ¥449.72.
Upward revision reflects strong core business profit and net interest income trends.
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All-time high profit and cash flow, with robust Marine and Energy growth and major investments.
Next Fukuoka Financial Group earnings date
Q4 202612 May, 2026
Fukuoka Financial Group
Next Fukuoka Financial Group earnings date
Q4 202612 May, 2026
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Frequently asked questions
Fukuoka Financial Group Inc. is a Japanese financial holding company operating through subsidiaries such as Bank of Fukuoka, Kumamoto Bank, Juhachi-Shinwa Bank, and Minna Bank. The group offers a range of services, including deposits, loans, investment solutions, and credit cards. Additionally, it provides securities business, loan guarantees, business consulting, factoring, information processing, communication services, and insurance solutions. Fukuoka Financial Group Inc. is headquartered in Fukuoka, Japan, and its shares are listed on the Tokyo Stock Exchange.
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