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SBI Shinsei BankSBI Shinsei Bank, Limited8303東証プライム銀行業FY ending Mar 2026, consolidated, J-GAAP

SBI Shinsei Bank FY ending Mar 2026 results

SBI Shinsei Bank brought in ¥774.1B in ordinary revenue.

Out of every ¥100 of ordinary revenue, about ¥16 is left as ordinary profit.

Ordinary revenue changed +26.1% from the prior year, ordinary profit +58.6%.

Revenue and profit pattern

Revenue and profit upProfit grew faster

Revenue +26.1% · profit +58.6%, calculated from disclosed figures.

Operating leverage: 2.25× (profit growth ÷ revenue growth)

What changed from last year

FY ending Mar 2025 → FY ending Mar 2026

Revenue
+26.1%¥614B → ¥774.1B
Net income attributable to owners
+34.2%¥84.5B → ¥113.4B
Operating cash flow
-3.6%¥1.98T → ¥1.91T

Results at a glance

  • Revenue for FY ending Mar 2026 was ¥774.1B, up +26.1% from ¥614B a year earlier.
  • Net income attributable to owners grew +34.2%, from ¥84.5B to ¥113.4B.
  • Operating cash flow slipped -3.6%, from ¥1.98T to ¥1.91T.

What drove the change

  • Non-interest income grew on gains from venture investment exits, income from loan securitizations, and higher mortgage fees
  • Credit costs fell as the bank built up better-quality assets
  • Net interest income dipped because paying competitive deposit rates raised funding costs

Things to watch

  • Higher rates could push property prices down and raise losses on non-recourse real estate loans
  • Tougher competition for deposits could lift funding costs
  • In consumer finance, higher funding costs may not be fully passed on to borrowers

Amended annual report: management's analysis / 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 · Amended annual report: business risks / 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) SBI Shinsei Bank earns, how much goes where, and how much is kept.

FY ending Mar 2026
Ordinary expenses
¥84
Ordinary profit
¥16
Net profit kept
¥15

Annual margin trends

Ordinary margin15.9%
FY ending Mar 2021: 11.9%11.9%FY ending Mar 2022: 7.6%7.6%FY ending Mar 2023: 12.4%12.4%FY ending Mar 2024: 11.5%11.5%FY ending Mar 2025: 12.7%12.7%FY ending Mar 2026: 15.9%15.9%FY21FY22FY23FY24FY25FY26
Net margin14.7%
FY ending Mar 2021: 12.1%12.1%FY ending Mar 2022: 5.5%5.5%FY ending Mar 2023: 10.1%10.1%FY ending Mar 2024: 10.9%10.9%FY ending Mar 2025: 13.8%13.8%FY ending Mar 2026: 14.7%14.7%FY21FY22FY23FY24FY25FY26

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

Which businesses earn the money

Revenue by business segment, and the profit each one keeps.

FY ending Mar 2026

    Sources

    Show source documents (6)

    • EDINET (FSA Japan)

      訂正有価証券報告書－第26期(2025/04/01－2026/03/31)

      ID S100YT5Q2026-07-30Open

    • EDINET (FSA Japan)

      有価証券報告書－第25期(2024/04/01－2025/03/31)

      ID S100W0XD2025-06-24Open

    • EDINET (FSA Japan)

      訂正有価証券報告書－第24期(2023/04/01－2024/03/31)

      ID S100UCTS2024-09-11Open

    • EDINET (FSA Japan)

      有価証券報告書－第23期(2022/04/01－2023/03/31)

      ID S100R8GG2023-06-29Open

    • EDINET (FSA Japan)

      有価証券報告書－第22期(令和3年4月1日－令和4年3月31日)

      ID S100OCJI2022-06-23Open

    • EDINET (FSA Japan)

      有価証券報告書－第21期(令和2年4月1日－令和3年3月31日)

      ID S100LMNS2021-06-24Open

    Extracted from XBRL: 43

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

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