Vizora日本語

Mebuki Financial GroupMebuki Financial Group,Inc.7167東証プライム銀行業FY ending Mar 2026, consolidated, J-GAAP

Mebuki Financial Group FY ending Mar 2026 results

Mebuki Financial Group brought in ¥443.3B in ordinary revenue.

Out of every ¥100 of ordinary revenue, about ¥26 is left as ordinary profit.

Ordinary revenue changed +23.1% from the prior year, ordinary profit +39.7%.

Revenue and profit pattern

Revenue and profit upProfit grew faster

Revenue +23.1% · profit +39.7%, calculated from disclosed figures.

Operating leverage: 1.72× (profit growth ÷ revenue growth)

What changed from last year

FY ending Mar 2025 → FY ending Mar 2026

Revenue
+23.1%¥360.2B → ¥443.3B
Net income attributable to owners
+44.5%¥58.2B → ¥84.2B
Operating cash flow
Loss-¥981.4B → -¥1.12T
Free cash flow
Loss-¥989.4B → -¥1.14T

Results at a glance

  • Revenue for FY ending Mar 2026 was ¥443.3B, up +23.1% from ¥360.2B.
  • Net income attributable to owners grew +44.5% to ¥84.2B, from ¥58.2B a year earlier.
  • Operating cash flow was -¥1.12T, a larger outflow than the prior year's -¥981.4B. For a bank, making more loans shows up as an operating cash outflow, so this is not a sign of losses.

What drove the change

  • Lending grew across individuals, businesses and public-sector borrowers
  • Yields on loans and securities rose, lifting interest income
  • The operating cash outflow reflects more lending and a drop in borrowed money

Things to watch

  • A weaker economy in its home region of Ibaraki and Tochigi could slow growth and raise credit losses
  • A sharp rise in interest rates could hurt the value of its bond holdings and push up deposit costs as banks compete for funds
  • Loans are relatively concentrated in real estate and manufacturing, so trouble in those industries could raise bad loans

Annual Securities Report, 10th 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, 10th 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) Mebuki Financial Group earns, how much goes where, and how much is kept.

FY ending Mar 2026
Ordinary expenses
¥74
Ordinary profit
¥26
Net profit kept
¥19

Annual margin trends

Ordinary margin26.1%
FY ending Mar 2021: 19.7%19.7%FY ending Mar 2022: 24.2%24.2%FY ending Mar 2023: 14.2%14.2%FY ending Mar 2024: 20.3%20.3%FY ending Mar 2025: 23.0%23.0%FY ending Mar 2026: 26.1%26.1%FY21FY22FY23FY24FY25FY26
Net margin19.0%
FY ending Mar 2021: 13.3%13.3%FY ending Mar 2022: 16.0%16.0%FY ending Mar 2023: 9.8%9.8%FY ending Mar 2024: 14.0%14.0%FY ending Mar 2025: 16.2%16.2%FY ending Mar 2026: 19.0%19.0%FY21FY22FY23FY24FY25FY26

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

Sources

Show source documents (6)

  • EDINET (FSA Japan)

    有価証券報告書－第10期(2025/04/01－2026/03/31)

    ID S100YAVM2026-06-12Open

  • EDINET (FSA Japan)

    有価証券報告書－第9期(2024/04/01－2025/03/31)

    ID S100VZSO2025-06-19Open

  • EDINET (FSA Japan)

    有価証券報告書－第8期(2023/04/01－2024/03/31)

    ID S100TS1N2024-06-27Open

  • EDINET (FSA Japan)

    有価証券報告書－第7期(2022/04/01－2023/03/31)

    ID S100R0IA2023-06-23Open

  • EDINET (FSA Japan)

    有価証券報告書－第6期(令和3年4月1日－令和4年3月31日)

    ID S100OFGE2022-06-27Open

  • EDINET (FSA Japan)

    有価証券報告書－第5期(令和2年4月1日－令和3年3月31日)

    ID S100LP142021-06-25Open

Extracted from XBRL: 43 / Derived from other figures: 1

Spotted an error? Report it (corrections keep the original record)

Other periods

Analyze this page with AI

Markdown with figures, units, periods and sources, ready to paste into ChatGPT or Claude.

Open MarkdownShare on XSave image