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Resona HoldingsResona Holdings, Inc.8308東証プライム銀行業FY ending Mar 2026, consolidated, J-GAAP

Resona Holdings FY ending Mar 2026 results

Resona Holdings brought in ¥1.36T in ordinary revenue.

Out of every ¥100 of ordinary revenue, about ¥29 is left as ordinary profit.

Ordinary revenue changed +21.5% from the prior year, ordinary profit +33.8%.

Revenue and profit pattern

Revenue and profit upProfit grew faster

Revenue +21.5% · profit +33.8%, calculated from disclosed figures.

Operating leverage: 1.58× (profit growth ÷ revenue growth)

What changed from last year

FY ending Mar 2025 → FY ending Mar 2026

Revenue
+21.5%¥1.12T → ¥1.36T
Net income attributable to owners
+21.3%¥213.3B → ¥258.7B
Operating cash flow
Loss-¥293.4B → -¥4.74T
Free cash flow
Loss-¥320.6B → -¥4.77T

Results at a glance

  • Revenue jumped from ¥1.12T to ¥1.36T, up +21.5%.
  • Net income attributable to owners rose +21.3% to ¥258.7B.
  • Operating cash flow swung to -¥4.74T, against -¥293.4B the year before.

What drove the change

  • After the Bank of Japan's rate hikes, Resona earned more on each loan and had more loans outstanding on average.
  • The corporate division's payment business grew.
  • Swapping bonds as rates rose cut bond losses.

Things to watch

  • Borrowers hit by trade disruption or a downturn could push up credit costs.
  • Falling stocks or rising rates would hurt the value of securities it holds.
  • A deposit price war could make funding scarcer or costlier.

Annual securities report, 25th 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, 25th 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) Resona Holdings earns, how much goes where, and how much is kept.

FY ending Mar 2026
Ordinary expenses
¥71
Ordinary profit
¥29
Net profit kept
¥19

Annual margin trends

Ordinary margin28.8%
FY ending Mar 2021: 23.2%23.2%FY ending Mar 2022: 18.8%18.8%FY ending Mar 2023: 26.2%26.2%FY ending Mar 2024: 23.7%23.7%FY ending Mar 2025: 26.1%26.1%FY ending Mar 2026: 28.8%28.8%FY21FY22FY23FY24FY25FY26
Net margin19.1%
FY ending Mar 2021: 15.1%15.1%FY ending Mar 2022: 13.0%13.0%FY ending Mar 2023: 18.5%18.5%FY ending Mar 2024: 16.9%16.9%FY ending Mar 2025: 19.1%19.1%FY ending Mar 2026: 19.1%19.1%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25期(2025/04/01－2026/03/31)

    ID S100YDP32026-06-19Open

  • EDINET (FSA Japan)

    訂正有価証券報告書－第24期(2024/04/01－2025/03/31)

    ID S100W98R2025-07-01Open

  • EDINET (FSA Japan)

    有価証券報告書－第23期(2023/04/01－2024/03/31)

    ID S100TO8A2024-06-24Open

  • EDINET (FSA Japan)

    有価証券報告書－第22期(2022/04/01－2023/03/31)

    ID S100R3ZD2023-06-27Open

  • EDINET (FSA Japan)

    有価証券報告書－第21期(令和3年4月1日－令和4年3月31日)

    ID S100OEJM2022-06-28Open

  • EDINET (FSA Japan)

    有価証券報告書－第20期(令和2年4月1日－令和3年3月31日)

    ID S100LOV92021-06-25Open

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

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

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