Shizuoka Financial GroupShizuoka Financial Group, Inc.5831東証プライム銀行業FY ending Mar 2026, consolidated, J-GAAP

Shizuoka Financial Group FY ending Mar 2026 results

About 89% of Shizuoka Financial Group's ordinary revenue comes from Banking, with Leasing and Other making up much of the rest.

Out of every ¥100 of ordinary revenue, about ¥30 is left as ordinary profit.

Ordinary revenue changed +28.5% from the prior year, ordinary profit +27.7%.

Revenue and profit pattern

Revenue and profit upSimilar growth

Revenue +28.5% · profit +27.7%, calculated from disclosed figures.

Operating leverage: 0.97× (profit growth ÷ revenue growth)

What changed from last year

FY ending Mar 2025 → FY ending Mar 2026

Revenue: +28.5%¥341.3B → ¥438.5B
Net income attributable to owners: +21.2%¥74.6B → ¥90.5B
Operating cash flow: Loss-¥521B → -¥272.7B
Free cash flow: Loss-¥535.9B → -¥293.1B

Results at a glance

Revenue for FY ending Mar 2026 was ¥438.5B, up +28.5% from ¥341.3B the year before.
Net income attributable to owners climbed +21.2% to ¥90.5B, from ¥74.6B.
Operating cash flow stayed negative at -¥272.7B, but the outflow was smaller than the prior year's -¥521B.

What drove the change

The group sold down shares it held for business relationships and booked gains on those sales.
Net interest income and fee income both grew.
Losses from reshuffling its bond portfolio and higher staff and IT costs pulled profit down.
The negative operating cash flow mainly reflects growth in lending.

Things to watch

A downturn in Shizuoka and its other home markets could hurt borrowers and raise credit costs.
A sharp rise in interest rates could cause valuation losses on bonds it holds, including Japanese government bonds and US mortgage-backed securities.
A major earthquake centered on Shizuoka could damage both the group's own operations and its borrowers' businesses.

Annual Securities Report (FY ending Mar 2026) / Management's analysis of financial position, results and cash flows · Annual Securities Report (FY ending Mar 2026) / Business risks

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) Shizuoka Financial Group earns, how much goes where, and how much is kept.

FY ending Mar 2026

Ordinary expenses: ¥70
Ordinary profit: ¥30
Net profit kept: ¥21

Annual margin trends

Ordinary margin29.7%

Net margin20.6%

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

Banking¥389.7B
89%
Op. margin 31.5%Industry: Regional Banks
Leasing¥32.3B
7%
Op. margin 5.0%Industry: Leasing
Other¥16.5B
4%
Op. margin 381.7%Industry: Securities & Asset Management

Profit by segment

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

Sources

Show source documents (4)

EDINET (FSA Japan)
有価証券報告書－第4期(2025/04/01－2026/03/31)
ID S100Y9RT2026-06-12Open
EDINET (FSA Japan)
有価証券報告書－第3期(2024/04/01－2025/03/31)
ID S100VW4E2025-06-17Open
EDINET (FSA Japan)
有価証券報告書－第2期(2023/04/01－2024/03/31)
ID S100TLFZ2024-06-17Open
EDINET (FSA Japan)
有価証券報告書－第1期(2022/04/01－2023/03/31)
ID S100QZ412023-06-19Open

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

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

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