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Yamaguchi Financial Group
Yamaguchi Financial Group (8418) investor relations material
Yamaguchi Financial Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary6 Feb, 2026
Executive summary
Ordinary income rose 15.8% year-over-year to ¥183,910 million for the nine months ended December 31, 2025, with profit attributable to owners of parent up 14.5% to ¥28,831 million.
Comprehensive income surged to ¥75,686 million from a loss of ¥725 million in the prior year, driven by a sharp recovery in valuation differences on securities.
Ordinary profit declined slightly by 2.7% year-over-year to ¥37,439 million, despite higher income, due to increased expenses.
Financial highlights
Net interest income decreased by ¥2,573 million year-over-year to ¥86,508 million, while interest on loans and discounts increased by ¥5,510 million.
Net fees and commissions fell by ¥1,261 million to ¥12,791 million.
Net business profit before provision for loan losses dropped by ¥13,245 million to ¥20,404 million.
Non-performing loan ratio improved to 1.56% from 1.71% a year earlier.
Basic earnings per share increased to ¥136.74 from ¥117.15 year-over-year.
Outlook and guidance
Full-year ordinary profit is forecast at ¥45,000 million, down 14.2% year-over-year.
Profit attributable to owners of parent is projected at ¥31,500 million, a 10.9% decrease year-over-year, with basic EPS expected at ¥149.61.
Annual dividend forecast raised to ¥64.00 per share.
Q4 profit forecast implies significant slowdown. Why?
Net interest income decline: Explain margin pressure.
Valuation gains on bonds: Detail comprehensive impact.
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Next Yamaguchi Financial Group earnings date
Q4 202615 May, 2026
Yamaguchi Financial Group
Next Yamaguchi Financial Group earnings date
Q4 202615 May, 2026
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