THE Howa BankTHE HOWA BANK,LTD.8559東京証券取引所・福岡証券取引所銀行業FY ending Mar 2026, non-consolidated, J-GAAP

What does THE Howa Bank do with its cash?

A bank's or insurer's cash flow statement swings with deposits, loans and securities trading, so it doesn't show how earnings are used. Instead, this shows how net income is split between dividends, buybacks and retained earnings.

Operating cash flow: -¥5.78B
Capex: ¥348M; of revenue 2.9%
Free cash flow: -¥6.12B
Returned to shareholders: ¥7.51B; of net income: 917%
Dividend per share: ¥10
Payout ratio (reported): 14.4%

Five-year trend

Operating cash flow-¥5.78B

Free cash flow-¥6.12B

Net income¥819M

How to read this

Operating cash flow is the cash the core business actually brought in, including changes in receivables and inventory.
Free cash flow = operating cash flow − capital expenditure: a gauge of cash available for other uses.
Large "borrowing" or "cash drawdown" flows mean the company spent more than it generated that year.

Sources

Show source documents (6)

EDINET (FSA Japan)
有価証券報告書－第108期(2025/04/01－2026/03/31)
ID S100YF852026-06-19Open
EDINET (FSA Japan)
有価証券報告書－第107期(2024/04/01－2025/03/31)
ID S100W0EY2025-06-20Open
EDINET (FSA Japan)
有価証券報告書－第106期(2023/04/01－2024/03/31)
ID S100TV4H2024-06-27Open
EDINET (FSA Japan)
有価証券報告書－第105期(2022/04/01－2023/03/31)
ID S100R8Q52023-06-29Open
EDINET (FSA Japan)
訂正有価証券報告書－第104期(令和3年4月1日－令和4年3月31日)
ID S100P3ZJ2022-08-31Open
EDINET (FSA Japan)
有価証券報告書－第103期(令和2年4月1日－令和3年3月31日)
ID S100LSPN2021-06-29Open

Extracted from XBRL: 39 / Derived from other figures: 1

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