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Yokohama Financial GroupYokohama Financial Group, Inc.7186東証プライム銀行業FY ending Mar 2026, consolidated, J-GAAP

Yokohama Financial Group FY ending Mar 2026 results

Yokohama Financial Group brought in ¥490.7B in ordinary revenue.

Out of every ¥100 of ordinary revenue, about ¥32 is left as ordinary profit.

Ordinary revenue changed +23.0% from the prior year, ordinary profit +26.3%.

Revenue and profit pattern

Revenue and profit upProfit grew faster

Revenue +23.0% · profit +26.3%, calculated from disclosed figures.

Operating leverage: 1.14× (profit growth ÷ revenue growth)

What changed from last year

FY ending Mar 2025 → FY ending Mar 2026

Revenue
+23.0%¥399.1B → ¥490.7B
Net income attributable to owners
+28.6%¥82.8B → ¥106.5B
Operating cash flow
-132.3%¥376.3B → -¥121.7B
Free cash flow
-140.2%¥360.5B → -¥145.1B

Results at a glance

  • Revenue for FY ending Mar 2026 was ¥490.7B, up +23.0% from ¥399.1B.
  • Net income attributable to owners grew +28.6%, from ¥82.8B to ¥106.5B.
  • Operating cash flow went from ¥376.3B to -¥121.7B.

What drove the change

  • Interest from loans and securities rose, lifting net interest income.
  • Few new defaults kept credit costs down.
  • The newly consolidated L&F Asset Finance added to profit, while pay raises pushed up operating expenses.

Things to watch

  • Falling rates would shrink lending margins, while rising rates could cause losses on its government bond holdings.
  • A large share of its loans goes to small businesses, households, and real estate companies, so trouble there would hit results.
  • Its business is centered on the Tokyo area, so a regional downturn would raise credit risk.

Amended Annual Securities Report (10th term) / 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 Securities Report (10th term) / 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) Yokohama Financial Group earns, how much goes where, and how much is kept.

FY ending Mar 2026
Ordinary expenses
¥68
Ordinary profit
¥32
Net profit kept
¥22

Annual margin trends

Ordinary margin31.6%
FY ending Mar 2021: 14.2%14.2%FY ending Mar 2022: 28.7%28.7%FY ending Mar 2023: 25.5%25.5%FY ending Mar 2024: 21.5%21.5%FY ending Mar 2025: 30.8%30.8%FY ending Mar 2026: 31.6%31.6%FY21FY22FY23FY24FY25FY26
Net margin21.7%
FY ending Mar 2021: 8.7%8.7%FY ending Mar 2022: 18.8%18.8%FY ending Mar 2023: 17.9%17.9%FY ending Mar 2024: 18.7%18.7%FY ending Mar 2025: 20.7%20.7%FY ending Mar 2026: 21.7%21.7%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)

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

    ID S100YDG12026-06-17Open

  • EDINET (FSA Japan)

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

    ID S100VWWW2025-06-12Open

  • EDINET (FSA Japan)

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

    ID S100TNGG2024-06-19Open

  • EDINET (FSA Japan)

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

    ID S100RVX12023-09-22Open

  • EDINET (FSA Japan)

    訂正有価証券報告書－第6期(2021/04/01－2022/03/31)

    ID S100QOF12023-05-02Open

  • 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 S100LMJ02021-06-23Open

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

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

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