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Seven BankSeven Bank, Ltd.8410東証プライム銀行業FY ending Mar 2026, consolidated, J-GAAP

Seven Bank FY ending Mar 2025 results

About 65% of Seven Bank's ordinary revenue comes from Domestic Business (Banking business,other ), with Overseas Business and Credit Card and Electronic Money Buisiness making up much of the rest.

Out of every ¥100 of ordinary revenue, about ¥14 is left as ordinary profit.

Ordinary revenue changed +8.4% from the prior year, ordinary profit -0.8%.

Revenue and profit pattern

Revenue up, profit downRevenue grew faster

Revenue +8.4% · profit -0.8%, calculated from disclosed figures.

Operating leverage: -0.09× (profit growth ÷ revenue growth)

What changed from last year

FY ending Mar 2024 → FY ending Mar 2025

Revenue
+8.4%¥197.9B → ¥214.4B
Net income attributable to owners
-43.0%¥32B → ¥18.2B
Operating cash flow
-138.6%¥100.8B → -¥38.9B
Free cash flow
-236.5%¥61.5B → -¥83.9B

Where the money goes

FY ending Mar 2024 → FY ending Mar 2025

Where ¥100 of ordinary revenue goes

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

FY ending Mar 2025
Ordinary expenses
¥86
Ordinary profit
¥14
Net profit kept
¥8

Annual margin trends

Ordinary margin14.1%
FY ending Mar 2020: 26.8%26.8%FY ending Mar 2021: 26.0%26.0%FY ending Mar 2022: 20.7%20.7%FY ending Mar 2023: 18.7%18.7%FY ending Mar 2024: 15.4%15.4%FY ending Mar 2025: 14.1%14.1%FY20FY21FY22FY23FY24FY25
Net margin8.5%
FY ending Mar 2020: 17.6%17.6%FY ending Mar 2021: 18.9%18.9%FY ending Mar 2022: 15.2%15.2%FY ending Mar 2023: 12.2%12.2%FY ending Mar 2024: 16.2%16.2%FY ending Mar 2025: 8.5%8.5%FY20FY21FY22FY23FY24FY25

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 2025

Profit by segment

※ Segment figures include inter-segment sales and do not sum to the company total

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 S100YC1N2026-06-17Open

  • EDINET (FSA Japan)

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

    ID S100VY5C2025-06-18Open

  • EDINET (FSA Japan)

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

    ID S100TMDS2024-06-18Open

  • EDINET (FSA Japan)

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

    ID S100QYPL2023-06-20Open

  • EDINET (FSA Japan)

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

    ID S100PVZG2022-12-27Open

  • 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 S100LKHD2021-06-22Open

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

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

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