)
Visual
test
Yokohama Financial
Yokohama Financial (7186) investor relations material
Yokohama Financial 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
Profit attributable to owners of parent rose 35% year-over-year to ¥85.0 bn, achieving 82.5% of the full-year forecast, aided by the consolidation of L & F Asset Finance, Ltd.
Ordinary income increased by ¥67.8 bn year-over-year to ¥356.7 bn, driven by higher interest income and fees, especially from corporate client services.
ROE improved to 8.4%, up 1.9 percentage points year-over-year, driven by profit growth.
Net interest income increased due to higher yield spreads and growth in loans and deposits.
Credit costs remained extremely low at ¥0.9 bn, with asset quality stable.
Financial highlights
Gross operating income reached ¥206.3 bn, up ¥22.8 bn year-over-year, with a 75.0% achievement rate.
Net income per share for the nine months was ¥74.73, up from ¥54.07 year-over-year.
Total assets increased by ¥427.3 bn to ¥25,220.5 bn; net assets rose by ¥113.0 bn to ¥1,405.6 bn.
Net interest income from domestic operations was ¥131.5 bn, up ¥15.3 bn year-over-year.
Expenses were controlled as planned, with OHR declining to 48.0%.
Outlook and guidance
FY25 profit attributable to owners of parent is forecast at ¥103.0 bn, with ordinary profit forecast at ¥151.0 bn and net income per share of ¥90.70.
Dividend forecast for the fiscal year is ¥37.00 per share.
Share buyback program in progress, with ¥13.0 bn acquired by January 31 against a ¥30.0 bn upper limit.
Estimated impact of a 0.25% policy rate increase is approximately ¥17.0 bn on gross operating income.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebPROV
Q2 FY2026 net income rose 65% year-over-year, with higher margins and strong credit quality. - 6 FebNVDA
AI-driven digital twins and accelerated computing are set to revolutionize industrial design and manufacturing. - 6 FebCDP
2025 FFO/share rose 5.8% to $2.72, with strong leasing and investment; 2026 guidance signals more growth. - 6 FebPECO
2026 FFO per share growth guided at 5.5% with record occupancy and robust acquisitions. - 6 FebCRI
Q1 2025 saw record revenue, a return to profit, and major new contracts in space technology. - 6 FebCRINet loss widened to 7.5m PLN in H1 2024 as revenue fell and R&D costs remained high.
- 6 FebCRINet loss deepened on lower sales and higher costs, but major new contracts and restructuring are underway.
- 6 FebEMBASSY
Record revenue, NOI, and distributions highlight strong growth and robust segment performance. - 6 FebCRIRevenue fell and losses deepened, but ESA contracts and R&D projects drive future prospects.
- 6 FebTUPRS
Net income reached TRY 29.5 billion, with strong dividends and a robust net cash position.
Next Yokohama Financial earnings date
Q4 202612 May, 2026
Yokohama Financial
Next Yokohama Financial earnings date
Q4 202612 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Concordia Financial Group Ltd, established as a bank holding group, incorporates The Bank of Yokohama, Ltd. and The Higashi-Nippon Bank, Ltd., focusing on bank management and operations along with other companies. The group offers a comprehensive suite of financial services, including retail and business banking, lending, deposits, insurance, securities trading, domestic and foreign exchange businesses, trust management, and securities investment solutions. Additionally, Concordia provides back-office services, consulting, and information services. The company is headquartered in Chuo-ku, Tokyo, Japan, and its shares are listed on the Tokyo Stock Exchange.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage