Kyoto Financial GroupKyoto Financial Group, Inc.5844東証プライム銀行業FY ending Mar 2026, consolidated, J-GAAP

Kyoto Financial Group FY ending Mar 2026 results

Kyoto Financial Group brought in ¥366.7B in ordinary revenue.

Out of every ¥100 of ordinary revenue, about ¥37 is left as ordinary profit.

Ordinary revenue changed +119.2% from the prior year, ordinary profit +169.4%.

Revenue and profit pattern

Revenue and profit upProfit grew faster

Revenue +119.2% · profit +169.4%, calculated from disclosed figures.

Operating leverage: 1.42× (profit growth ÷ revenue growth)

What changed from last year

FY ending Mar 2025 → FY ending Mar 2026

Revenue: +119.2%¥167.3B → ¥366.7B
Net income attributable to owners: +164.6%¥36.6B → ¥96.7B
Operating cash flow: -318.6%¥501.6B → -¥1.1T
Free cash flow: -322.9%¥495.3B → -¥1.1T

Results at a glance

Revenue for FY ending Mar 2026 was ¥366.7B, up +119.2% from ¥167.3B a year earlier.
Net income rose +164.6%, from ¥36.6B to ¥96.7B.
Much of the jump came from gains on selling shares it held in client companies, though income from lending and fees also grew.
Operating cash flow swung from ¥501.6B to -¥1.1T, mainly because the bank lent out more money.

What drove the change

Large gains from selling cross-held shares, partly offset by losses booked on yen bonds
Higher interest income, led by interest on loans
Record fee and commission income

Things to watch

Higher interest rates or falling stock prices could cut the value of its bonds and shares
A weaker economy or struggling borrowers could push loan losses above expectations
Its business is concentrated in Kansai, centered on Kyoto, so it depends on that region's economy

Annual Securities Report, 3rd fiscal year (Apr 2025–Mar 2026) / 経営者による財政状態、経営成績及びキャッシュ・フローの状況の分析 · Annual Securities Report, 3rd fiscal year (Apr 2025–Mar 2026) / 事業等のリスク

Where the money goes

FY ending Mar 2025 → FY ending Mar 2026

Where ¥100 of ordinary revenue goes

For every ¥100 of ordinary revenue (a bank's or insurer's top line) Kyoto Financial Group earns, how much goes where, and how much is kept.

FY ending Mar 2026

Ordinary expenses: ¥63
Ordinary profit: ¥37
Net profit kept: ¥26

Annual margin trends

Ordinary margin37.4%

Net margin26.4%

Aligned fiscal years compare the shares of revenue remaining as gross, core, and net profit. Missing years are left unconnected.

Sources

Show source documents (3)

EDINET (FSA Japan)
有価証券報告書－第3期(2025/04/01－2026/03/31)
ID S100YEHZ2026-06-19Open
EDINET (FSA Japan)
有価証券報告書－第2期(2024/04/01－2025/03/31)
ID S100W4AU2025-06-25Open
EDINET (FSA Japan)
有価証券報告書－第1期(2023/04/01－2024/03/31)
ID S100TWKN2024-06-28Open

Extracted from XBRL: 44 / Derived from other figures: 1

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