Company profile

SBI Shinsei Bank, Limited

EDINET
E03530
Securities
8303
Industry
Banks
Latest annual securities report
2026-07-30 Amended Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-08-24 Shelf Registration Statement PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Very strong Based on ROE Current Top 9% 5-year trend Improving
Financial strength Average Based on Equity ratio Current Top 46% 5-year trend Deteriorating
Growth Strong Current Top 28% 5-year trend Improving

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥118.43 billion, up 42.4% year over year. Net income was ¥113.42 billion, up 34.2% year over year. ROE was 9.2%; equity ratio was 5.0%; free cash flow was ¥724.85 billion.

Revenue ¥118.43B up 42.4% year over year
Operating income —
Net income ¥113.42B up 34.2% year over year
Total assets¥18.75T
Total equity—
Operating cash flow¥1.91T
Free cash flow¥724.85B

Industry position details

Banks

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Very strong
Based on ROE

ROE Top 10%

Financial strength Average
Based on Equity ratio

Equity ratio Top 47%

Growth Strong

Revenue growth Top 25% / 3-year revenue CAGR Top 33%

Profitability Industry position history Improving
2026 Top 9% 2025 Top 2% 2024 Top 9% 2023 Top 26% 2022 Bottom 18%
Financial strength Industry position history Deteriorating
2026 Top 46% 2025 Top 45% 2024 Top 13% 2023 Top 9% 2022 Top 2%
Growth Industry position history Improving
2026 Top 28% 2025 Top 25% 2024 Top 35% 2023 Top 36% 2022 Bottom 8%
Profitability ROE 9.2% Industry median 5.6% Top 10% Comparison sample 83
Financial strength Equity ratio 5.0% Industry median 4.9% Top 47% Comparison sample 83
Growth Revenue growth +42.4% Industry median +32.7% Top 25% Comparison sample 83
Growth 3-year revenue CAGR +27.9% Industry median +21.3% Top 33% Comparison sample 76

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated Japanese GAAP 118434000000 118434000000 113415000000 113415000000 190091000000 18750408000000 18556476000000 1233041000000 1175900000000 1233041000000 1914143000000 -1189291000000 126952000000 724852000000 4623613000000 137.66 12.22 1682.2052 1506414756600.0000 1381.19 895500000 0.0657607557 0.05 0.0919799098 0.0060486684 1.0 0.9576219667 16.1621071652 6.1203032913 0.423810726 0.423810726 0.3422052332 0.1845874314 0.2854232843 -0.0355145 0.0797981158 3.6196735519 0.0471683121 0.2257953424 -0.9999999133 0.0244331165 5828
FY2025 Consolidated Japanese GAAP 83181000000 83181000000 84499000000 84499000000 55280000000 15828640000000 15655928000000 959249000000 983280000000 959249000000 1984626000000 -1292424000000 -48461000000 692202000000 3771929000000 1588579698.82 16119618138.51 0.0606021111 0.047 0.0880887027 0.0053383614 1.0 1.0158449646 23.8591264832 8.3216359505 0.2933374796 0.2933374796 0.4587908294 0.2939335543 -0.0077323 0.6703314276 -14.4949410573 0.3040712285 -0.4608741571 0.2058423073 0.6032470524 0.0069026549 5689
FY2024 Consolidated Japanese GAAP 64315000000 64315000000 57924000000 57924000000 70745000000 12232962000000 12379736000000 966724000000 961767000000 966724000000 1188163000000 95771000000 -69635000000 1283934000000 3128045000000 990851470.11 17828740928.75 0.079026159 0.06 0.0599178256 0.0047350756 1.0 0.9006297131 18.4741195678 19.9632123144 0.1373724512 0.1373724512 0.354282107 0.0874523099 0.0002255547 -0.0909005354 1.1002242648 -14.0464563526 2.653767786 0.6345594617 4730277.656179883 0.0183850036 5650
FY2023 Consolidated Japanese GAAP 56547000000 56547000000 42771000000 42771000000 46804000000 11249194000000 10972902000000 966506000000 973831000000 966506000000 1306967000000 -955567000000 -4628000000 351400000000 1913693000000 209.47 11.13 2331.4011 478018099472.7579 4712.33 205034689 0.0859178 0.07 0.0442532173 0.0038021391 1.0 0.7563796488 23.1129326047 6.2142996092 0.8237437915 0.8237437915 1.0981604121 0.3633079784 0.0456445631 3.7770584111 -4.8070853436 0.7671212197 2.599941721 0.2211458023 1.1643934697 -0.2084662877 -0.0106990014 5548
FY2022 Consolidated Japanese GAAP 31006000000 31006000000 20385000000 20385000000 17037000000 8251396000000 7116843000000 924316000000 936101000000 924316000000 -470630000000 250997000000 -19873000000 -219633000000 1567129000000 96.78 23.11 2236.5858 579353307124.8162 4484.01 259034689 0.112019348 0.089 0.022054146 0.0024704911 1.0 0.6574533961 -15.1786750951 -7.0835644714 -0.2935842523 -0.2935842523 -0.5480946153 -0.0196247426 -0.0069041689 -2.8883360751 33.9286111884 0.2730897253 -1.8565495133 -0.132532288 -0.521270281 0.0 0.0005352364 5608
FY2021 Consolidated Japanese GAAP 43892000000 43892000000 45109000000 45109000000 47483000000 8416569000000 7287502000000 930742000000 935324000000 930742000000 249230000000 7186000000 -27339000000 256416000000 1806556000000 202.16 8.85 1789.1160 463443106644.9240 4283.92 259034689 0.1105844911 0.086 0.0484656328 0.0053595473 1.0 1.0277271485 5.6782557186 5.8419757587 -0.1433868733 -0.1433868733 -0.010224904 0.0266950729 0.0222485818 -0.186891343 -0.8538034301 -0.178760833 -0.2790579979 0.1446475368 0.060706228 0.0 0.047859413 5605
FY2020 Consolidated Japanese GAAP 51239000000 51239000000 45575000000 45575000000 36307000000 8197730000000 7015625000000 910485000000 919214000000 910485000000 306515000000 49153000000 -23193000000 355668000000 1578264000000 190.59 7.57 1442.7663 373726519820.1807 3913.4 259034689 0.1110655023 0.088 0.0500557395 0.0055594659 1.0 0.889459201 5.9820644431 6.9413532661 -0.0791805194 -0.0791805194 -0.1289015463 0.0405261341 0.0154387147 20.9787035709 1.3222196729 0.5376011803 3.5661657011 0.2667966963 -0.0977561068 0.0 0.0328248697 5349
FY2019 Consolidated Japanese GAAP 55645000000 55645000000 52319000000 52319000000 49492000000 7878447000000 6561268000000 896642000000 899544000000 896642000000 13946000000 -152545000000 -50158000000 -138599000000 1245870000000 211.24 7.46 1575.8504 408199918274.5256 3636.92 259034689 0.1138094855 0.093 0.0583499323 0.0066407758 1.0 0.9402282325 0.2506244946 -2.4907718573 0.0665069478 0.0665069478 0.0176022095 0.0299145891 0.0474373681 -0.9166980259 -2.4444645155 -1.7353438403 -2.1256497304 -0.1315400948 0.0614541983 -0.024119088 5179
FY2018 Consolidated Japanese GAAP 52175000000 52175000000 51414000000 51414000000 47474000000 7649612000000 6647403000000 856034000000 862538000000 856034000000 167415000000 -44287000000 -18337000000 123128000000 1434574000000 199.01 8.22 1635.8622 3376.39 0.111905545 0.09 0.0600606985 0.0067211252 1.0 0.9854144705 3.2087206517 2.3599041687 -0.0364905542 -0.0364905542 0.0129041155 0.0226583112 0.0429442023 -0.047024067 -1.327065809 0.7018955651 -0.6041956648 0.0787349412 9.226618705 -0.0098880597 5307
FY2017 Consolidated Japanese GAAP 54151000000 54151000000 50759000000 50759000000 50617000000 7480125000000 6428401000000 820786000000 823710000000 820786000000 175676000000 135407000000 -61512000000 311083000000 1329867000000 19.46 10.53 204.9138 316.38 0.109728915 0.088 0.0618419417 0.0067858492 1.0 0.9373603442 3.2441875496 5.7447323226 -0.251064948 -0.251064948 -0.1672162885 -0.0018450879 0.0348772701 -0.0007167154 -0.2726857671 0.4298584656 -0.1405977192 0.2309514355 -0.1524390244 0.000746826 5360

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Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp